Alex Wallet Purchased From Instagram Seller

We all know not only is Instagram a great place for sharing photos but it has also been a burgeoning marketplace mainly because of its straightforward marketing capabilities, rivaling Facebook at that. I have purchased from Instagram resellers for a few years already and with some of the sellers I’ve done repeat purchases. The purchases I made from Instagram sellers were mainly beauty/hair products, smartphone accessories, food products and wallets. It is for the wallet department that I want to raise awareness about so other Instagram users can be made aware.

Sometime in April this year I made a purchase of the popular Alex wallet. It supposedly holds more cards than the regular wallet I had. I had seen the Alex wallet before from Instagram sellers I have followed and after a year it was still being advertised. Determined to purchase the Alex wallet at the time, I painstakingly looked through my backup OneDrive gallery to look for the screenshot I took of a few Philippine resellers who were advertising it. Browsing through hashtags for Alex wallet PH was easier though because the results gave me the updated resellers.

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Transaction was swift and soon I received the Alex wallet I purchased at PhP400. However, I did not even use it for more than a month when I opened the portions with zippers and found that from the inside the thin brown cloth lining it had been torn.

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I finally decided to purchase the card wallet at Daiso Japan two days ago and it holds the same number of cards as the Alex wallet one. For PhP88 it does seem to hold the promise of being more reliable than the Alex wallet which I purchased for almost 4x its price.

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Don’t Apply For A GCash MasterCard Until You Have Read This

Globe currently offers GCash American Express virtual card and GCash MasterCard to its customers and having taken advantage of both, I would give this fair warning to anyone to not apply for a GCash MasterCard if you already have an existing GCash American Express.

Back in July I registered for GCash American Express virtual debit card because it allows Philippine residents to purchase via e-commerce sites that ship within the US such as  Amazon and eBay. In partnership with My Shopping Box, the items you ordered via Amazon, for example, would then be sent to your Philippine address.

By November I received a text notification from SmartMoney that they would discontinue SmartMoney MasterCard renewals by January 1, 2017 and that SmartMoney customers can still avail of its services until January 30, 2017 only. My SmartMoney card expires on June 2017 so this is an unfortunate news because I mainly use it for Skrill instant mobile wallet withdrawals. This prompted me to apply for a GCash MasterCard.

The day I applied for a GCash MasterCard, I was at the Globe store to do a GCash cash-out for my GCash American Express mobile wallet. (SmartMoney was down at the time and so was GCash to RCBC MyWallet functionality.) The agent told me I could not register a new GCash account with the same number I used for the American Express. He had to purchase a new Globe sim for me so I can successfully register to a GCash MasterCard. That’s when a string of technical problems started for me.

As required, I had to get KYC’ed again for the GCash MasterCard. (I did my KYC for GCash American Express at the same store back in July and it was hassle-free.) The agent referred me to another Globe store to do the KYC; he said it would take longer if done in their branch (which didn’t make sense at all).

When I went to the Globe store he recommended, the agent told me what she would do was consolidate the information I previously had in my GCash American Express with the current one in my GCash MasterCard. There wasn’t really much difference in the details I entered except perhaps for the employee info; I submitted the same ID (passport).

The day after I got successfully KYC’ed for the GCash MasterCard, I could no longer access my GCash American Express via the GCash mobile app. I could not even top up the Globe number associated with it. It was like my GCash American Express never existed at all.

I had to go back and consult the same agent regarding the issue and she said there wasn’t anything she could do about it. She informed me the Globe number associated with my GCash American Express suddenly shows up as blacklisted in their system, which got her confused as well because she was aware that any Globe customer can have multiple GCash accounts under one name.

It was then that I noticed another problem with my GCash MasterCard. Even though it was activated and KYC’ed, I could no longer do the prepaid load to GCash cash-in with it. After going back and forth with GCash email support about it, the problem was solved. But I had to press them further to fix the issue regarding the GCash American Express.

It’s not the first time this happened as apparent in a Globe Community thread about blacklisted GCash numbers.

To avoid the headache I and others went through with GCash MasterCard and GCash American Express accounts, please pick only one card to register for.

 

How To Activate GCash in RCBC AccessOne

I have had my RCBC AccessOne account for a while but mostly use the mobile application to check my balance and, occasionally, pay my phone bills. A month ago I decided to explore the web features of RCBC AccessOne and found out a conversion of funds from my own RCBC savings account to GCash was possible.

It’s imperative, of course, to activate GCash in your RCBC AccessOne account. Make sure you do this on your desktop because the mobile application does not have activation of GCash available. It confused me for a while how the activation of GCash was supposed to be done and I e-mailed Customer Service. The part about getting the MPIN and the Bank Reference number got me stumped. To save anyone who’s searching through Google about the activation of GCash in RCBC AccessOne the trouble, here’s the step-by-step guide:

 

Once you get that done, you are now ready to transfer some funds from your RCBC Savings account to your GCash account within RCBC AccessOne.

Pros and Cons of Mercury Drug MyWallet VISA Debit Card

I applied for the Mercury Drug MyWallet VISA Debit Card mainly for PayPal verification but in the long run found there was more I could do with it. Over time, however, I understood one card does not always fit the bill.

PROS

Anyone who has ever worked as an oDesk/Upwork freelancer may have heard it to be an alternative to Unionbank’s EON VISA Debit Card. The EON VISA Debit Card was primarily embraced by most freelancers as an viable verification method to lift the imposed minimum amount of fund transfer on unverified PayPal accounts. The Mercury Drug MyWallet VISA Debit Card fulfills the same aforementioned purpose, but while EON has to be linked to a savings account (fundamentally when you apply for an EON VISA Debit Card you are likewise applying for a Unionbank savings account), the Mercury Drug MyWallet VISA Debit Card is the opposite – one does not have to open a savings bank account or be a current RCBC account holder to meet all requirements for the MyWallet VISA Debit Card.

I use my MyWallet card to swipe my Mercury Drug purchases and I earn Suki Points for it. Never had a problem swiping purchases at local garments shops, restaurants, and coffee shops here with it as long as the stores accept debit card payments.

LBC Express, a cargo and courier service, is a ubiquitous institution here so reloading a MyWallet VISA Debit Card is speedy and simple. The reloaded sum is reflected promptly and I always sign in my RCBC AccessOne after the reload transaction to verify if the funds are available for use. Yes, you can view the balance and transaction history of your MyWallet VISA Debit Card using the RCBC AccessOne mobile app. You would need to apply online for the RCBC AccessOne first.

CONS

I use the Etsy mobile application for purchasing crystals and gemstones. Once I encountered a problem with my MyWallet VISA Debit Card not going through and I got stuck with an error message saying my card was not accepted. I had to change to a SmartMoney debit MasterCard and only then did my order go through. Some merchants do not accept the MyWallet VISA Debit Card and you’d be better off with a SmartMoney debit MasterCard if you have one.

With respect to booking cinema tickets online in advance, a year ago I discovered that sureseats.com and limketkaicinemas.com employ the online payment gateway service, iPay88. iPay88’s website is where you’ll get redirected after choosing your seats online for debit/credit card payment confirmation. It seemed iPay88 did not support MyWallet VISA Debit Card.

Recently, though, I tried booking tickets online using my MyWallet VISA Debit Card and it looks like the merchant restriction has been lifted – my ticket purchases went through. I would still caution the use of MyWallet VISA in other online purchases as a customer service representative had once advised that some merchants do not accept the MyWallet VISA Debit Card.

 

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Those are the pros and cons I have discovered so far. I would definitely recommend anyone who can’t open a Unionbank EON account or can’t get accepted for debit card applications in other banks to opt for the Mercury Drug MyWallet VISA Debit Card.

SmartMoney Versus PayMaya

On the off chance that you’ve been unfortunate getting an approved credit card application or you simply need to keep your financial plan under control, the idea of registering for a virtual credit card/debit card may be enticing. Fortunately for credit card rejects like us our present innovation has necessitated the proliferation of virtual credit cards/debit cards.

I’ve had my SmartMoney MasterCard for around 5 years now when I found PayMaya from online ads a month back and since then have alternately used SmartMoney MasterCard and PayMaya Virtual VISA Card in my online purchases.

 

 

Unlike SmartMoney which you need to access through your phone menu’s SIM Applications, PayMaya has a mobile app and you can enroll within the app for free. Note: I associated my PayMaya Virtual VISA Card with my Smart mobile number since the former is affiliated with Smart Communications.

 

 

This is the starting page for you to sign in or register if you don’t have an account yet. The login username is the mobile number you registered it with. Once you’re logged in, you’ll see the primary page showing the balance and transaction history of your PayMaya Virtual VISA Card.

 

 

I regularly top up my PayMaya Virtual VISA Card in 7-11 outlets and Robinsons Bayad Centers. There are absolutely no extra charges to top up and you can start with as little as PhP50.00. 7-11 financial service kiosk is my favourite – it’s a breeze getting a paper slip with a few taps on the screen. You’ll then receive a text confirmation within seconds once the cashier has processed your payment. Most obvious choice for reloading your SmartMoney card is via BDO branches. On the convenience factor for me, PayMaya is more preferable because 7-11 outlets are open 24/7 and BDO branches stick to regular office schedule. Both PayMaya and SmartMoney do not charge extra fees for reloading.

Tapping on the View Card shown above will take you to the enlarged image of your PayMaya Virtual VISA Card.

 

 

The Pay Bills feature will be accessible soon on PayMaya. SmartMoney already has Pay Bills enabled and I have been continually paying my monthly postpaid bill with it. PayMaya would need to review your application first should you wish to secure a physical card and/or to enable the Send Money feature. SmartMoney, on the other hand, can deliver your customized card within 2-3 weeks from the date of application and transferring money to other SmartMoney cards/users has dependably been SmartPadala’s eponymous trademark.

Although both SmartMoney MasterCard and PayMaya Virtual VISA Card are owned by Smart Communications, you won’t need to unlock permissions for any transaction with PayMaya. SmartMoney requires users to go into the Phone Menu –> SIM Applications –> Smart Money to allow a transaction to go through. Generally, you get a text notification if your account has already been unlocked for online purchases and in less than a minute you have to click Confirm Purchase on the web page you opened for the said transaction. Do not let this time frame pass without confirming your online purchase, or you’d have to go back to SIM Applications and request to unlock again.

 

 

I find the swift unlocking process inconvenient due to my location constraints – I would have to get up from my work area at home and walk towards the door to get a signal in order for my text notification to come in. Furthermore, I wouldn’t advise using SmartMoney MasterCard for mall shopping because of the lock and unlock options.

PayMaya can likewise be utilized for paying your MRT and LRT tickets with the so-called PayMaya VISA with beep.

Reviewing Path Version 3

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When I checked my App Store for new updates this morning, I instantly installed the newer version of Path. My favorite social network has just gotten better even though I was kinda worried about the overwhelming effects of too many novel changes. We see the latter happening every day when it comes to technology – changes are too swift to handle and the burden on the electronic gadgets consumers may be subtler than we think.

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I was psyched about the Messaging feature primarily because it looks neat and, alas, Path has added this feature just like Facebook has incorporated it. The downside of Path updates in the past was that everything you post can be seen by your friends. With the Chat feature, it has now become easier to send private messages.

Clicking on the message bubble icon on the upper right corner from your profile page takes you to your Friends list. I have 6 friends on Facebook who use Path and I like how it isn’t as saturated as Facebook.

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I tapped on one friend name to try sending her a message on Path. If you’re trying out the Chat feature for the first time, you will be introduced to a short description of what to expect when sending a private message.

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I tapped on another friend name to test how a smiley icon and an actual text message would look like. I had typed the words first before the icon and waited for the latter to appear beside the text but this is what I got instead:

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Didn’t think the icon was really that big. No wonder it overlapped with the text. I sent a more jovial smiley right after I hit Send for the text. It looks more orderly when you tap Send separately for the text and the smiley icon.

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Moving on to the next feature, The Shop is a tab accessible from the home page which displays some of Path’s paid upgraded features. For the meantime it displays Stickers for Messaging and Filters for Photos and Videos. I personally don’t see a reason to pay to upgrade those features when I have an emoticons-enabled keyboard courtesy of Emoji. Moreover, I could get unique filters for photos in other free Photography apps.

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Path Version 3 is an improvement, not huge, but nonetheless helps diversify and enhance Path members’ social network experience.