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John Pol Gacu
John Pol Gacu
John Pol Gacu
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I am a Filipino call center agent and I love sharing about My Travel, Adulting Journey, and Personal Finance.👇

For business inquiries, you can email me: johnpolmadronagacu@gmail.com. You can also follow and message me on Facebook and Instagram: @johnpol.gacu. Thank you so much for your support! 💖
Комментарии
@frnxlx
@frnxlx Час назад
14 business days - these do not include the weekends
@franciscoperez-bs7yg
@franciscoperez-bs7yg 2 часа назад
sana basahin mo muna yung terms and conditions na nasa app naman para maintindihan mo. napakalinaw namdun lahat ng conditions.
@josemarinazarenevista3073
@josemarinazarenevista3073 5 часов назад
Read muna all the specs before posting. Medyo misleading. 20% is too good to be true, obvious naman. So may catch yan, hanapin ang specifications ng account.
@jinkytacaisan2592
@jinkytacaisan2592 8 часов назад
Hello sir, any type of spending of 20k po ba para makaavail ng NAFFL or merong specifics lang? And need po ba mabayaran din agad yung 20k within 60 days?
@mariegarciadeleon3955
@mariegarciadeleon3955 8 часов назад
Hi John, di ko maactivate yung card ko using the app? Need ko ba icheck sa bank?
@mrnetibochannel5761
@mrnetibochannel5761 9 часов назад
May salary Requirements na 1,200,000 Million Annual
@truytayaba2415
@truytayaba2415 12 часов назад
Good ang ownbank
@madeleinesi6063
@madeleinesi6063 13 часов назад
Actually panget yung nga promo ni CIMB … Hindi mo kasi makikita if totoong magkakaroon k nung promised interest rate niya … unlike maya makikita mo na boosted talaga … nagkaroon na din ako ng ganyan na experience
@johnpolgacu
@johnpolgacu 13 часов назад
Thank you for sharing your feedback Palangga.
@aileenquilala980
@aileenquilala980 17 часов назад
Hello po ask q lng po sana kung san po mkikita ung link ng Do it Duet Promo registration? Thank u
@johnpolgacu
@johnpolgacu 13 часов назад
Hello. Base from my research, ito po: www.bpi.com.ph/personal/rewards-and-promotions/promos/do-it-duet-promo
@ayahkim9670
@ayahkim9670 18 часов назад
What if po 15k lang ang CL tapos need naman to spend ng 20k to avail no annual fee? Pano po yun?
@johnpolgacu
@johnpolgacu 13 часов назад
Hello. 60=2 months di naman, so once nagamit nyo po agad yung available limit, you can pay it naman po agad para mag replenish yung credit limit at makapag spend ulet.
@krispam2178
@krispam2178 19 часов назад
Which is good bpi rewards, bpi amore cash back or bpi edge??. Kukuha sna po ako ng cc sa bpi. Which is better for new user?
@johnpolgacu
@johnpolgacu 13 часов назад
Hi Palangga. Base sa experience ko, goods itong amore cashback. Rewarding sya for essentials and mukhang okay ang cashback rewards compare sa points. Madami nadin akong vlog about this and you may also watch this related video: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-URyoZUDf7Qw.htmlsi=_v5j7JJQ18Wkw2fX
@sobeecarolennyago7544
@sobeecarolennyago7544 День назад
Very helpful thank you so much
@johnpolgacu
@johnpolgacu День назад
Thank you Palangga, I do appreciate this. 😍
@Vince-pe3pl
@Vince-pe3pl День назад
ilang sqm po room nyo?
@johnpolgacu
@johnpolgacu День назад
25sqm po ☺️
@Vince-pe3pl
@Vince-pe3pl День назад
​@@johnpolgacu napapalamig ung buong 25sqm? Pati ung room sa likod mo? Kasama sa 25sqm ung kitchen sa likod?
@johnpolgacu
@johnpolgacu День назад
So far opo, umaabot naman po yung lamig. 😊
@ArnelCalado
@ArnelCalado День назад
Hi po sa ub reward platinum nagbayad ako ginamit ko no.sa harap ng credit card ko pero po hindi po nagreflect po
@johnpolgacu
@johnpolgacu День назад
Hello. If you used other payment processor po like Gcash or Maya, usually it takes 3-5 business days po bago sya mag post.
@belladebird
@belladebird День назад
I dont know about you.. but I am satisfied using CIMB. 😂
@johnpolgacu
@johnpolgacu День назад
Good for you Palangga. 💖
@chrizenzyramamagat3783
@chrizenzyramamagat3783 2 часа назад
Me too 😊 sobrang satisfied din Ako hehehe
@musiceverytime5959
@musiceverytime5959 День назад
Okay po ba sya inomin sa gabi para maganda ang tulog
@johnpolgacu
@johnpolgacu День назад
Yes po. 😊
@JanetCaparoso
@JanetCaparoso День назад
Dami mo satsat
@johnpolgacu
@johnpolgacu День назад
Thank you sa feedback Palangga.
@JomarEstipular-b6w
@JomarEstipular-b6w День назад
Hi po sir ask ko lang po if pwd poba pagsabayin ang enervon sa memo plus gold. Or pwd poba uminom ng memo plus sa umaga then sa gabi ang enervon?
@johnpolgacu
@johnpolgacu День назад
Hi Palangga. I guess mas better yung usa sa umaga at yung isa naman sa gabi. 😊 For health recommendation, kindly consult nalang din po to medical expert.
@albertsunga312
@albertsunga312 День назад
palangga lahat ba ng amore cc is free yung 1st yr ng annual membership fee? or may instances na may bayad na agad yung 1st yr mo?
@johnpolgacu
@johnpolgacu День назад
Hi Palangga. Based sa napapansin ko sa ibang experience ng iba, may instances na may bayad na agad yung 1st year. Pero you can reach out naman sa customer service Nila if nag reflect na yung charge to get assistance if kaya nilang ma waive for you.
@Jeancinth
@Jeancinth День назад
May annual fee din ba ang BPI amore cashback?
@johnpolgacu
@johnpolgacu День назад
Yes po. ₱2,050.
@jimpim0627
@jimpim0627 День назад
Hi sir ... question lg din po ..sakin naman po ngayon lg dumating ang card bale every 10th of the month tapos na use kona po sya nong sept 26. When po kaya yung due ko pag ka ganito sir medyo nallito dn ako since wla pa sa app Yung soa. hehe..thanks. Sa sagot
@johnpolgacu
@johnpolgacu День назад
Hi Palangga. If every 10th month po yung statement date nyo, that means your current cycle starts on 11 Sep - 10 Oct. And your SOA will be generated on 10 Oct. So lahat po ng usages nyo with this billing period will reflect on 10 Oct SOA, same goes for the next billing cycles. Due date po is 15 days after statement date, so possibly magiging due nung first SOA nyo will be around 25Oct. 😊
@ronnelcasilla2523
@ronnelcasilla2523 День назад
Paano po kung lagpas ng 60 days pag na meet yung 20k minimum spend , pasok parin o ba un
@johnpolgacu
@johnpolgacu День назад
Hello Palangga. I guess hindi na po. In your case, I still recommend reaching out padin sa customer service nila for assistance. :)
@michaelmelgar7588
@michaelmelgar7588 День назад
Ung 3.5% divide mo sa 12 and that's your monthly interest
@johnpolgacu
@johnpolgacu День назад
Thank you for this info Palangga.
@lykah9748
@lykah9748 2 дня назад
Hi, medyo nalilito po kasi ako. Ang cut off po namin ay every 15th of the month, so gets ko naman yung 16 to 15th the next month yung billing period. So ganto po ginagawa ko kasi, hinuhulugan ko every akinse at katapusan yung nagiging bill namin, ex. 13k soa, huhulog ako ng 7k ng akinse. Then the rest. Katapusan, pero this month nagkaron ako ng 200+ na interest which i dont know why, pls explain , i made sure naman na nahulugan namin yung monthly due before the due date always.
@johnpolgacu
@johnpolgacu День назад
Hello Palangga. If na ko cover naman po yung totol amount before due date, dapat wala na talaga syang interest. Sa case nyo, possible baka late lang yung posting nung ng payment nyo tuwing katapusan. In your case po, I recommend reaching out po sa CS Nila para matulungan po nila at makapag file po kayo ng dispute if necessary. Watch nyo din po itong isa kong related video: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-Hxjn5qF7wGw.htmlsi=8NcTd5LMtIKZPJFk
@EvelynSantelices-f2f
@EvelynSantelices-f2f 2 дня назад
Hello po! Never niyo po ba sinabi after po ng interview at training na nag-aaral pa po kayo? Much appreciated po sa response❤❤ thank you po😊
@johnpolgacu
@johnpolgacu День назад
Hello po. Sa interview po hindi po. Ito po yung Part 1: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-H0Ea1lsADr8.htmlsi=z87CFxw8mzL1V4K3
@EvelynSantelices-f2f
@EvelynSantelices-f2f 2 дня назад
Hello po! Never niyo po ba sinabi after po ng interview at training na nag-aaral pa po kayo? Much appreciated po sa response❤❤ thank you po
@johnpolgacu
@johnpolgacu День назад
Hello po. Sa interview po hindi po. Ito po yung Part 1: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-H0Ea1lsADr8.htmlsi=z87CFxw8mzL1V4K3
@danielwong1
@danielwong1 2 дня назад
Pathetic VLOG
@AnggeBanggos
@AnggeBanggos 2 дня назад
Sir ask lng po ano po mas magandang I recommend nyo pag mag bayad total Payment amount due ba maganda mag pay kay sa MAD? Tapos po akala ko po walang interest pag maka hiram?
@johnpolgacu
@johnpolgacu День назад
Hi po. Sapay po yung total amount due po. If minimum lang po kasi tapos kapag nag due na sya, magkaka interest kayo dun sa remaining amount na madadagdag on your next statement po.
@victorjosephdolosa3791
@victorjosephdolosa3791 2 дня назад
Ask ko lang po magkaiba ba ung activation nung virtual card sa physical card? Kasi ang naactivate ko lang is ung virtual card last sept 25, papasok pa rin ba un sa sept 30 promo na naffl pag nakabayad ng 20k if ngaun ko lang naactivate ung physical card ko? Tyia
@johnpolgacu
@johnpolgacu День назад
Hi Palangga. Yes po, since connected naman po yung virtual card sa primary card. :)
@victorjosephdolosa3791
@victorjosephdolosa3791 День назад
@@johnpolgacu thank you po! 🫶🏻
@johnpolgacu
@johnpolgacu День назад
you’re welcome po :)
@jayannecato6633
@jayannecato6633 2 дня назад
Need po ba mag spend ng 20k in 60 days? Or d ba sya applicable kung installment bayaran?
@johnpolgacu
@johnpolgacu День назад
Hi Palangga. Yes po, dapat 20K Spending within 60 days. Not sure po lang po with installment. Gawan ko po ng video soon. In the meantime, please reach out nalang po muna sa CS nila for accurate info and assistance.
@gusionray1441
@gusionray1441 2 дня назад
Kay rcbc po wala masyadong hinihinging requirements nagulat nalang ako checking account pala inopen ko wala din minimum hahaha
@johnpolgacu
@johnpolgacu День назад
Ang bait naman ni RCBC. Thank you for sharing this Palangga! 💖
@Mahalkoselfko
@Mahalkoselfko 2 дня назад
Hello po tanong ko lng po hal po meron ako outstanding 15k kasama po doon 5k cash advance kung 10k lng po ma payment ko sa duedate ko pwede po ba yun ok lang po ba yun mababawas napo ba doon yung ni cash advance ko , papasok po ba sya ulit sa cash limit ko salamat po sa tugon❤
@johnpolgacu
@johnpolgacu День назад
Hello po. Yes po. Kung magkano po yung mababayad nyo, same amount amount din po na ma rereplenish sa credit limit na magagamit nyo ulet for cash advance and for purchases.
@crissy_30
@crissy_30 2 дня назад
Tanong lang po need ba dapat taposin ang contract na 6 months bago makapag request ng postpaid to prepaid?😢😢
@johnpolgacu
@johnpolgacu День назад
Hello. Yes po para safe. Pero if you want to end it early, I guess may corresponding penalty sila. You can also reach out po directly sa customer service nila for accurate info. :)
@aimeedjavier
@aimeedjavier 2 дня назад
Kailan po kaya ulit pwede magamit ang CA after mabayaran ng full?
@johnpolgacu
@johnpolgacu День назад
Hello. Once posted na po yung payment, ma rereflenish na po ulet yung credit limit nyo, then you can use it again for cash advance and purchases. :)
@eulsscepter1343
@eulsscepter1343 2 дня назад
Very informative 🎉🎉 a new subs here
@johnpolgacu
@johnpolgacu День назад
Thank you Palangga! 😍
@shielavillegas2450
@shielavillegas2450 2 дня назад
May Bpi rewards card po q den pinadalhan po q ng amore Cashback same lng ng amount shared limit po ba un means or example 20k plus 20k po ba un?
@johnpolgacu
@johnpolgacu 2 дня назад
Hi Palangga. If iisang customer number lang po sila, shared limit po.
@kirk_noviç
@kirk_noviç 3 дня назад
Sa experience ko. yung promo interest kasi ay magrereflect lang 14 banking days after the promo period. So sa case nyo baka ganun din. Baka sa October 19 pa magrereflect.
@johnpolgacu
@johnpolgacu 2 дня назад
Ohh I see. Thank you much sa info Palangga. 💖 So weird na hindi ito masabi ng CS nila saken.
@MarcDumaboc
@MarcDumaboc 3 дня назад
Hi bakit ung cash advance ko greyed out and no option to create PIN
@johnpolgacu
@johnpolgacu 2 дня назад
Hi Palangga. Looks like unavailable yung feature na ito sa app nila. In your case, I recommend reaching out sa CS Nila for assistance.
@truytayaba2415
@truytayaba2415 3 дня назад
20% , it seems good to be true. Pwede sya 20% or more sa AFPSLAI (requires to be soldier member).
@johnpolgacu
@johnpolgacu 2 дня назад
Thank you for sharing this Palangga.
@AprilPerez-r8k
@AprilPerez-r8k 3 дня назад
Goodafternoon po ask ko lang po kakadating kolang po kasi ng cc ko naactivate ko nadin po may creditlimit na sya na 15000 pwede napo ba sya gamitin sa CA or pwede nadin sya iswipe?
@johnpolgacu
@johnpolgacu 2 дня назад
Yes po, you can use your card na for purchases. For cash advance naman, I guess you may need to reach out sa CS nila kasi unaavailable yung feature sa app, para maka request ka ng PIN.
@AprilPerez-r8k
@AprilPerez-r8k 3 дня назад
Goodafternoon po ask ko lang po kakadating kolang po kasi ng cc ko naactivate ko nadin po may creditlimit na sya na 15000 pwede napo ba sya gamitin sa CA or pwede nadin sya iswipe?
@johnpolgacu
@johnpolgacu 2 дня назад
Yes po, you can use your card na for purchases. For cash advance naman, I guess you may need to reach out sa CS nila kasi unaavailable yung feature sa app, para maka request ka ng PIN.
@lowkeygaming4716
@lowkeygaming4716 3 дня назад
Mejo kuripot tlaga si BPI sa CLI. I got my amore with 95k CL as my very first CC last year. pina increase ko after a year to 150k pero tumawad pa ng 10k, 140k lng binigay. Khit 7digits yung annual income n binigay ko as proof.
@johnpolgacu
@johnpolgacu 2 дня назад
Thanks for sharing this Palangga.
@daemonneko
@daemonneko 3 дня назад
Long time user of CIMB. Their promotions are legit. However, unlike other new competitors, you won't see it reflect the following day. You will receive an email after the promotion has ended with the breakdown of interests earned. I understand the frustration, however, people these days tend to get impatient because they're used to instant gratifications, they want everything handed instantly. From someone who has been dealing with finances for quite some time now, being impatient is a no no especially when dealing with investments. Time is your friend. As the old adage say: Patience is a virtue.
@JordanLanuza
@JordanLanuza 3 дня назад
Hi - is your account po ba FastPlus account? Or GSave/UpSave account? Ang alam ko ung 0.75% na base interest is ung fastplus nila or ung parang checking account nila (usually connected sa debit card nila). Ang alam ko ung mga accelerated interest nila is nag aapply lang sa GSave/UpSave type of accounts, baka ung funds mo is ung nasa 0.75%. Base interest without promo for GSave is 2.6% while Upsave is 2.5%. Hope this helps. Pero CS wise, di ko din talaga trip ang CIMB, i just use it to pass through money from my GCash/Metrobank since free cash in sila dun
@johnpolgacu
@johnpolgacu 2 дня назад
Thank you so much for this info! Very helpful. I guess that might be the reason kung bakit di ko sya nakuha kasi FasPlus yung account ko. Ang weird lang kasi originally galing sya sa Gsave ng Gcash. Thank you for this info, mas helpful pa itong info compare dun sa mga CS nila.
@martinilocos
@martinilocos 3 дня назад
Ung akin ka aapprove lng, pangatlong try lol 😂
@johnpolgacu
@johnpolgacu 3 дня назад
Ohh Nice! Dapat pala ginawa ko nading tatlong attempt. 😁
@juliemharmacomao2053
@juliemharmacomao2053 4 дня назад
What if nakapag spend lang po ako ng 1k, 1k lang din po ba babayaran ko for a month or may interest po sya?
@johnpolgacu
@johnpolgacu 4 дня назад
Hi Palangga, once you received your SOA po on your statement date, it should only reflect kung ano lang po yung nagamit nyo, normally due date is 15 days after your statement date. You may also watch yung related vlog ako about this here: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-Hxjn5qF7wGw.htmlsi=0C6bUQHu5WB2OnU5
@JustCommenting-td8vj
@JustCommenting-td8vj 4 дня назад
commenting this while di ko pa tapos yung vid, @3:41 depende yung percentage ng max cash advance may iba 20% lang may iba din from 30% and up to 60%. in your case since you mentioned 35k max limit mo tas 10.5k edi quick math computation is around 1/3 + so around 33%-35% give or take
@johnpolgacu
@johnpolgacu 4 дня назад
Thank you sa feedback Palangga.
@fingirl91
@fingirl91 4 дня назад
hi john, ask ko lang po paano malaman kung waived na ba yung anual fee ko?
@johnpolgacu
@johnpolgacu 4 дня назад
Hello. 👋 Same, wala padin akong na rereceive na notification about No Annual Fee. As per my research sa website Nila: “The qualified Cardholder of a UnionBank Rewards card will receive an SMS confirmation of the No Annual Fee Welcome Gift within thirty (30) business days from meeting the spend requirement. “
@fingirl91
@fingirl91 4 дня назад
Hi john! ask ko lang i already spend the 20k limit kelan ko pala ma recieve yung text or email na na waive na ang anual fee ko?
@johnpolgacu
@johnpolgacu 4 дня назад
Hello. Same, wala padin akong na rereceive na notification about No Annual Fee. As per my research sa website Nila: “The qualified Cardholder of a UnionBank Rewards card will receive an SMS confirmation of the No Annual Fee Welcome Gift within thirty (30) business days from meeting the spend requirement. “
@lykabadiao-lu6gy
@lykabadiao-lu6gy 5 дней назад
I have question po my statement date po ako na 23rd of the month. Tapos gumamit po ako ng Sept 25 kelan po kaya ang due date nya? kase wala pa pong SOA na nagrereflect sa app ko at email.
@johnpolgacu
@johnpolgacu 4 дня назад
Hi Palangga. If your statement date is every 23rd, that means your current billing cycle covers from 24 Sep to 23 Oct. Lahat po ng usages nyo with this period will reflect sa SOA na marereceive nyo on Oct 23 and normslly due date nya is 15 days - so possible due date nun is on Nov 08. :)