Posted in Finance, Mobile App, Telco

Skrill To GCash Withdrawal Problem

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For a few years that I’ve been a Skrill member, I have also experienced Skrill to GCash withdrawal problem before and I’m surprised the Globe number 0956 prefix problem is still a huge topic in some forums. Some forum posters have pointed out one needs to enroll a Globe number with a lower prefix into GCash and add it to one’s Skrill mobile wallet.

I am bringing this topic to light again because my cousin recently encountered a Skrill to GCash withdrawal problem specifically with the error “Recipient number can not be found, please review and try again.” He has a freshly verified GCash account so what could have been the problem? His Globe number has a 0906 prefix so this somehow botches the lower prefix theory.

In 2015 I had bought a Globe LTE pocket WiFi at 50% discount and the following year I decided to use the SIM card included in it as my GCash AmEx number. Not long after I decided to apply for a GCash MasterCard because I wanted to have a GCash physical card with me. Right off the bat I already noticed a problem with the new SIM card the agent suggested I enroll for the GCash MasterCard –  the text notification for the GCash registration did not arrive instantaneously and he had to pry open another SIM card packet before he got a successful registration.

I was able to add both of my GCash numbers – the AmEx and MasterCard ones – to my Skrill mobile wallet. It tricked me to think both numbers would be working fine for Skrill to GCash withdrawal. I was already using the GCash AmEx number to withdraw on Skrill and never had a problem with it. Adding the GCash MasterCard proved pointless thereafter when I would get an error message with every withdrawal attempts. Luckily with my 0995 GCash AmEx number already on file, I could (and still can) successfully withdraw from Skrill to GCash instantly and I would then transfer the GCash AmEx funds to my 0956 GCash MasterCard.

For my cousin, this solves his Skrill to GCash withdrawal problem for the meantime, which means he would have to do the Skrill to Skrill transfer and I would have to withdraw to my GCash Amex, forward it to my GCash MasterCard and lastly to his GCash account. Good thing the whole process is instant.

I don’t think we simply have a lower or higher prefix number problem here for Skrill. As has been known with Globe’s practice of recycling inactive numbers, you can bet it’s possible the root of the Skrill to GCash withdrawal problem error “recipient number cannot be found” is that some GCash numbers, regardless of prefixes, were once nulled or deactivated and along the way some quality control went awry.

 

 

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Posted in Finance, Mobile App

GCash Non-Dispense Dispute

As you all know I have been writing about the technical issues I have had with GCash and all of them have been resolved. In this article I am going to write about the GCash non-dispense issue I had with an ATM machine outside the Philippines.

As I have written in a previous article, withdrawing cash in ATM machines overseas can be tricky as some cards may not be accepted in all banks and you run the risk of trial and error as to which bank’s ATM machine would accept your card. Even if the ATM machine lists all the logo, it’s not an assurance that it would work. I have a GCash MasterCard and even though the bank in Hanoi I tried transacting with listed MasterCard on the ATM machine, I still encountered an error and the card ejected my card along with the transaction slip bearing the words “Issuer or Switch Inoperative”.

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No cash came out, of course, so imagine my confusion when I tried withdrawing funds in another bank’s ATM machine and saw the error message on the screen that my funds were insufficient for the transaction. I did not bring my Android phone at the time which has my Globe sim inserted in it so I did not see the text message from GCash that the non-dispense transaction at Shinhan ATM machine got my GCash balance deducted.

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I sent an e-mail to GCash about it and the customer service rep replied that it would take 7-14 business days for my funds to be reverted. My mistake was WAITING and doing nothing for the 7-14 days period. When I tried to follow up with them beyond the 14 business days period, I was told by the agent that she forgot to attach the Dispute Form for me to fill up. The reversal dragged on longer than expected because even when the second 14 business days period right after I submitted the Dispute Form, it took something like a week or so for me to see the funds back in my account and not without badgering GCash on Messenger, Twitter and via e-mail. Not to mention all my follow-up attempts were futile because their reps would not respond to me on time. Two weeks after I got my funds back was the only time when the replies from their customer service agents came in.

I know I have stressed this before in other GCash articles, but I am going to emphasize this issue one more time – please have a Dispute Form downloaded on your laptop or desktop computer to fill up easily in case you encounter any technical issues with GCash services, especially those that involve money reversal. You can download the Dispute Form here.

Posted in Finance, Mobile App, Travel

Withdrawing Funds Using RCBC MyWallet Overseas

When traveling overseas we may overlook the fact that not all debit cards can be used in a lot of ATM machines. I would always recommend to bring two or more debit cards. I currently have the GCash MasterCard and RCBC MyWallet for the meantime.

I also have my PayMaya physical card which is already linked to my verified PayMaya virtual card account but I am excluding it for now because of the Ph500 roaming fee my Smart postpaid account would automatically charge me once I insert my SIM to a working phone here while being overseas. As PayMaya now requires a text verification upon logging in to the PayMaya mobile app, I don’t think it’s worth it using my Smart postpaid SIM when I have two other debit card alternatives.

In Thailand, I could withdraw funds from my GCash MasterCard in most ATM machines. Most 7-Eleven stores in Thailand have ATM machines outside the premises but you have to also make sure the ATM machine is not that of a local bank. As for the RCBC MyWallet, I have tried withdrawing cash from it in both Siam Commercial Bank and Krungsri ATM machines and have been able to transact successfully.

I should also like to mention that solely depending on GCash MasterCard is not a good option because of the monthly withdrawal limit. There were times when I’ve reached my limit in GCash on the last day of the month and I had to wait for the next day, the first day of the next month, to do a withdrawal. In case waiting might pose a hassle for you, it’s good to have other options too.

It gets tricky here in Vietnam for the RCBC MyWallet. Techcom Bank, BIDV Bank, Lienviet Post Bank, Vietcom Bank and Maritime Bank are the most common ATM machines I could run into and GCash would be accepted in all of these. The only ATM where I found I could use my RCBC MyWallet is that of VP Bank. Unlike Vietcom and Techcombank, you won’t come across VP Bank ATM machines in most big malls. I had to research VP Bank ATM locations online.

I do find my travelling situation to be unique but I hope this has helped anyone who has trouble finding a bank in Vietnam they can withdraw their funds with using RCBC MyWallet.

Posted in Finance, Mobile App, Telco

0956 Globe Prefix – Not An Existing Globe Number

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I have been experiencing the unrecognised 0956 Globe number error message since I purchased the sim late last year. At one point the error revolves around not being able to receive GCash funds when transferring from my GCash AmEx number. The app would prompt something like the number is not an existing Globe number. I bought the Globe 0956 number from a GCash MasterCard kiosk in a Globe Center.

In the Globe Rewards mobile app, I cannot add my Globe 0956 number because, again, the system says I must enter an existing Globe number. Nonetheless, I could send text messages with it, make calls and receive calls with it. To redeem my Globe Rewards points, I would need to dial *143# instead of using the Globe Rewards mobile app.

When Skrill was still partners with Upwork for the latter’s withdrawal options, I would withdraw my Upwork funds to Skrill and within the Skrill mobile app I would withdraw it to my mobile wallet. Mobile wallet withdrawal was instant. Here is a sample video of an error message I would get when choosing my Globe 0956 number under Mobile Wallet to withdraw my Skrill funds to. You can see in the video I had to use my Globe 0995 number, which is my GCash AmEx number, to successfully do a Skrill mobile wallet withdrawal. From the GCash mobile app, I am now able to transfer funds from my GCash AmEx 0995 number to my GCash MasterCard 0956 number.

 

Another problem a 0956 Globe prefix number poses is the lengthy refund period. With my GCash AmEx 0995 number, I would get refunds in a shorter period of time and there was no need for me to send a Dispute Form to GCash’s customer support. If you have a GCash number with a Globe prefix that’s experiencing the problems I described in this article, you should always make sure you file a dispute for any pending refunds or chargebacks you are expecting as soon as possible. Better late than never.

Posted in Mobile App, Telco

Resolved: GCash AmEx and GCash MasterCard

This is an update post regarding the GCash AmEx and GCash MasterCard problems I talked about in the previous post. After numerous follow-ups via Messenger and e-mail correspondences with GCash customer support, I was able to access my GCash AmEx again.

According to GCash customer support, the Globe number connected to my GCash AmEx account was barred because a suspicious activity was detected. Understandably so, although I don’t know what attempt was made to access my account which rendered it deactivated for a while. I surmise it had something to do with that day I enrolled for the GCash MasterCard when an attempt was made to register the GCash MasterCard with the same number connected to the GCash AmEx. The suspicious activity also caused my Globe GCash AmEx mobile number to be barred from being used for texting and even from top up capabilities although I could still redeem the Globe Rewards with it.

 

 

I was able to access my GCash AmEx after the Globe number was unbarred. Yup, this was how my balance looked like the last time I accessed it prior to the barred number issue.

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As for my Globe number linked to my GCash MasterCard, the issue about the cash-in via prepaid load has also been resolved, thanks to the help of GCash customer support. The only problem that remains for now is with the Globe Rewards app – the said mobile app doesn’t recognize my Globe number as a valid one although I do receive Globe Rewards text notifications about rewards points I’ve accrued.

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Gifting rewards to the said number is also unavailable as well as sending money to it using the GCash app. The sending money option only works if I access GCash via the sim application or dial *143# to access GCash to send money using my Globe GCash AmEx number to the Globe GCash MasterCard mobile number.

 

Posted in Lifestyle, Mobile App, Telco, Tutorials

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.