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1. What should I remember most about the ECQ/MECQ period as regards my credit card account?

Under the Bayanihan to Heal as One Act or R.A. No. 11469, and IATF Resolution No. 33, BDO Credit Cardholders, regardless of credit status and whose credit card due dates fall from March 16, 2020 up to May 31, 2020 are given a 30-day grace period to settle their balances without incurring penalty interests (interest on interest) and charges.


Please see adjusted due dates below:


Sample due dates within ECQ/MECQ Period Adjusted due dates due to BDO payment extension* offer or R.A. No. 11469**
March 16 May 16*
March 30 May 30*
April 15 June 15*
April 16 May 16**
April 30 May 30**
May 01 June 01**
May 15 June 15**
May 31 June 30**


Please note the following:

  1. Each credit card account will be processed independently based on their assigned due dates and credit status prior to the start of ECQ. 

  2. Credit card accounts in past due status prior to the start of ECQ on March 16, will be required to make payment immediately after the ECQ period.

  3. BDO will comply to any payment extension that will be mandated by the government in accordance with R.A. 11469.


2. My card is enrolled under Auto Debit Arrangement (ADA) facility. Will BDO continue debiting my bank account for card payments?
  1. Credit card payments via ADA was suspended for the March 23 to May 17, 2020 processing period. For your due dates during said period, please expect an “ADA Payment” with corresponding “ADA Payment reversal” on your SOA but no deduction will be made on your bank account.

  2. ADA processing will resume starting May 18, 2020.  If you are unable to fund your ADA account on due dates falling within the ECQ/MECQ grace period, your credit card account will not incur penalty interests (interest on interest) and charges. Moreover, the “Returned ADA Fee” will be reversed on the succeeding SOA.

For any concerns regarding your payments via ADA facility during ECQ period, please call the BDO Customer Contact Center at (02) 8631-8000, for assistance.

3. The 30-day grace period notwithstanding, how can I continue paying my card bills?

You may opt to pay in any of the following channels:


BDO Online Banking & Mobile Banking

BDO or BancNet Automated Teller Machines (ATMs)

GCash (except JCB, UnionPay, and Diners Club)

Select BDO Branches


4. Can I continue to use my credit card even if I did not make payments during ECQ?

You may use your credit card for as long as your account was not past due prior to ECQ and the amount being transacted is within your available limit.


If your account was on past due status prior to ECQ, you will not be able to use your card unless you make the necessary payment to update your credit card account.  You may refer to your latest Statement of Account (SOA) for the minimum amount to be paid in order to bring your credit card account to current status. To access your SOA online, please refer to FAQ #9, letter c.


Note that your regular revolving balance will continue to incur Finance Charge (FC), subject to the monthly Effective Interest Rate (EIR) as stipulated in the Terms and Conditions in the usage of the BDO Credit Card.

5. What will my Statement of Account (SOA) contain after ECQ period?

Your latest SOA will contain new purchases billed within the statement cycle plus all the unpaid balances from your previous SOAs, including billed amortizations of your installments and finance charges, if applicable.

6. I received my latest Statement of Account (SOA), why am I still being charged with penalties for non-payment?
  1. Cardholders tagged as Transactors (pays the Total Amount Due and on current status) prior to start of ECQ, who failed to fully settle on due dates falling from March 16 to May 31, 2020 will incur late payment fees and finance charges during the ECQ/MECQ period but will be automatically reversed.

  2. Cardholders tagged as Revolvers (pays less than the Total Amount Due and on current status) prior to start of ECQ, who failed to settle on due dates falling from March 16 to May 31, 2020 will be levied late payment fees and interest on interest on amounts falling due from March 16 to May 31, 2020 but will be waived and will appear as “Finance Charge Adjustment” in your next SOAs.

7. Will you be waiving the Annual Membership Fee during ECQ?

Annual Membership Fee will continue to be billed as scheduled, but payment is deferred until after the ECQ/MECQ period.

8. What will happen to my monthly bills payments which are being paid through my credit card?

Monthly bills payments (utility, telecommunications, premiums, memberships, etc.) enrolled under the BDO Auto Charge Payment Facility will be uninterrupted for as long as the amount to be paid is within your available credit limit.

9. Will I continue to receive my printed Statement of Account (SOA)? If not, how do I access my credit card account details?
  1. Due to the ECQ/MECQ, delivery of your printed Statement of Account (SOA) will be delayed. Those who are enrolled in our eSOA Facility will continue to receive a copy of their SOA via email. If you are not enrolled in our eSOA Facility but have an email address in our records, we will send you a SOA via email soon.

  2. You may also refer to the SMS advisory we send monthly before your due date with the following information: Statement Balance, Minimum Amount Due and Due Date. Please refer to FAQ #1 for the adjustments made on the Due Dates.

  3. To view your Statement of Account via online:


  1. To get your Statement of Account Balance, Minimum Amount Due and Due Date via online:


  1. You may also call the BDO Customer Contact Center at (02) 8631-8000, Press 1 > 2 > 2 > 2 > Enter BDO Credit Card No. followed by # > 1 > Enter 6-digit birth date (mmddyy) > 1> 1 (for Peso account) or 2 (for Dollar account).