So its 2014 and I still hold true to my personal rule - no credit card. I have been using my ATM Debit Card for online buys but I wanted to shake things up and separate my savings from my online shopping budget. Enter BPI, you know they just have the practical solutions in most of my financial needs so I read on their Prepaid Card offering.

Additional perk is that I was able to avail BPI My ePrepaid MasterCard with just Php 350 through LivingSocial former Ensogo instead of regular Php 500 application fee. After signing up, I got an email that the card is already available at my nominated BPI branch.

I picked up my card and submitted the printout of the email notice. Ms. Rosemarie of BPI Ayala FGU also assisted me to register the prepaid card to my savings account. 24 Hours later I already transferred my initial load and started shopping. Hihihi....

While doing your Christmas shopping these days, why not use your BPI ATM in paying the items through the EPS or Express Payment System. No need to withdraw from ATM Machine just present your card at the cashier and input your pin number.

For every single receipts of Php 2,000 / 6,000 / 12,000 you will get a free Jollibee treat. I already claim my free sundae and cheeseburger for my 5K purchase. Also, applicable to BPI Express Credit Classic and MasterCard.

Learn more about this promo in their official website: http://www.bpicards.com/RealThrills/Details/1380

I have been using bpiexpressonline.com since 2009 and I am well satisfied with the website's performance and the functionality that it features like transfer funds, pay my bills and even give my tithes to my church. I also get to make purchases when I avail deals in group buying site. Lastly, I get to learn about the latest promo like this one.

Whoa!!! That is my kind of promo considering I am already doing this anyway. Below are some FAQ from their official promo page:

All new and existing BPI, BPI Family and BPI Direct Accountholders (“Accountholders”) are qualified to join BPI 24/7 Banking's Get Out More promo (“Promo”). Clients who will pay bills through BPI's 24/7 Banking Channels (BPI Express Online, BPI Express Mobile, and BPI Express Phone) during the promo period will earn electronic raffle entries for a chance to win a trip for 2 to Hong Kong, Malaysia, Korea, China, or Boracay (via Kalibo) plus pocket money!

Promo Period is from August 1 to November 30, 2013.

1. What are included in the all-expense paid trips for two (2)? Each winning BPI client (per raffle draw) is entitled to receive Round-trip Airfare Transfers for two(2), 3 days/2 nights accommodations, and PhP 24,700.00 pocket money. Prizes are not convertible to cash. The 20% tax on all prizes will be shouldered by BPI, while all related travel taxes will be shouldered by the winner.
   
2. Are we still eligible for other discounts from BPI aside from the Get Out More raffle promo after I pay bills using the 24/7 Banking Channels?
   Yes, you may avail of other promos/offers aside from the raffle promo.
   
3. How will I know if my account is qualified for the promo?
   If you are an enrolled user of BPI Express Online, BPI Express Mobile, and BPI Express Phone and you have done bills payment transactions within the promo period, you are qualified for the promotion.
   
4. Can I enroll my other BPI accounts to get more promo points after I've received my first?
   No, we will only consider the first bills payment transaction made, using any of the BPI deposit accounts enrolled in BPI Express Online, BPI Express Mobile, and BPI Express Phone. Once a bill has been paid by a certain user, other users may not receive raffle points for the same bill.
   
5. If I will give my prize to my friend as a gift, does she need an authorization letter from me so she can use it?
   Yes, the prizes are fully transferrable.
   
6. How much will I pay to get raffle points? 
   No purchase requirement is required. You just need to pay any bill using BPI Express Online, BPI Express Mobile, and BPI Express Phone within the promo period.
   
7. When can the trips (raffle prizes) be availed? 
   Travel period for the raffle prizes is January 1, 2014- June 30, 2014. Cash prize (pocket money) will be credited to winner's account number upon awarding of the raffle prize.
   
8. How can I check my earned points?
   You may call 89-100 or send an email to expressonline@bpi.com.ph to inquire. The points are updated every Tuesday of the week, as it is system-generated. This would mean that the points that may be viewed are as of the last Monday of the present date

After FOUR months of waiting (versus 15-day promise), my gift from BPI has finally arrived!

I mentioned to you before in this post last March that I qualified for the BPI EPS Promo but I didn't make a big fuzz on the waiting period because @TalkToBPI has always responded accordingly every time I followed-up arranging phone bankers to contact me. The first time I asked, they said that Procter & Gamble had some issue with the production of the "special packaging" for this BPI Promo.

Anyhow, so I was actually puzzled when I received a text message from Air21 regarding an incoming package. Even though I checked out the tracking, I had no clue whatsoever where it was coming from. Lo and behold, right before I step out of the office I got this...

It took such a long time to arrive so I savor every moment unpacking it.

From Olay Website: Olay Total Effects Day Cream Gentle

Olay Total Effects fights the 7 signs of skin aging, such as fine lines and wrinkles, uneven skin tone, dark spots, uneven texture, dryness, dullness and pores. Packed with niacinamide which makes skin younger-looking, Olay Total Effects remains to be the #1 anti-aging skin care choice for women across the region.

About Age Defying Bodywash

The Age Defying Bodywash and Bar has 10X More Moisturizers vs. bar soap, that reveals younger-looking skin not just on the face, but also on the body. It is infused with the same Olay moisturizers, so you can fight aging, not just on the face, but also on the body.

How about you, did you already got your free gift?

When we bought some furniture for our new apartment, we used our BPI ATM Card to pay half of the amount due as we were not able to withdraw enough money to cover the expenses. So as a dutiful wife, I logged in to our BPI Online to double check the transaction and saw this banner being flashed:

BPI Promo Page

Weeeh... I've always wanted to try out this Olay product and 

here is my chance to get it for FREE!!! 

Update: Already got my free gift, read here.

Pay ANYWHERE with BPI E.P.S. and get a FREE Olay Anti-Ageing Solutions Kit

Promo period is from February 1 to March 15, 2013.

Promo Offer:

Cardholder can claim FREE specially-designed Olay Anti-Ageing Solutions Kit for a minimum E.P.S. single receipt of P2,000 from ANY merchant

To redeem, cardholder must confirm his/her EPS transaction via SMS 

Specially-designed Olay Anti-Ageing Solutions Kit will be delivered to cardholder’s nominated mailing address within 15 days (from EPS transaction validation date)

ATM cash withdrawals are not included in the promo

So easy to redeem!

  Confirm your transaction via SMS

  Text MX ON BPI-OLAY (space) Card Number*/Mailing Address/Transaction Date/ Transaction Amount

* Card number as it appears on the face of the card

Example: MX ON BPI-OLAY 5895591234567890/123 Sampaguita St., Makati City/ 02-01-13/P2,000.00

Send SMS to 2800 for Globe, 216 for Smart / Talk N’ Text and 2288 for Sun

Cardholder will receive a notification SMS 

Upon validation, cardholder will receive the specially-designed Olay Anti-Ageing Solutions Kit within 15 days