If you wonder why BPI's services are slow go to this branch. They still have typewriters in their office. They can't handle credit applications and will refer you to a phone number where no one will pick-up. Basically they don't have a way to contact their CC applications department over the phone so you have to go to their main office in Ayala if you are wondering why it is taking them ages. Also BPI has the most unreliable ATM services in the entire Ph. They are constantly down and the worst thing is they count failed attempts in your daily balance check allowance. THEY WILL charge you for going over even if it was their fault for having an online system that always crashes every 15th and 30th.