Community discussion · Composite borrower case
BDO Refunded ₱75K—Pay ₱400K or ₱475K?
A BDO cardholder says a refund of ₱75,000 for a cancelled purchase posted on October 4, five days before the payment due date. With a ₱475,000 statement balance, the cardholder says they paid ₱400,000 after deducting that refund. Then came an argument: could the remaining ₱75,000 still generate finance charges?
The dates matter: purchase on August 28, statement cut-off around September 14–15, refund posted on October 4 and payment due October 9. According to the cardholder, the credit was already visible in the app. The Reddit thread does not provide the next billing statement, the applied-payment ledger, or a written BDO decision on this specific account.
The five views below are paraphrased from separate Reddit accounts, not comments posted by BorrowTalk members.
Has handled similar refunds before and believes the posted credit should reduce what needs to be paid, without interest.
Thinks BDO usually treats a refund as a credit against the balance, but would still ask customer service and keep a case reference number.
Raises a distinction: a refund may be treated differently for the minimum amount due, although the full balance after refund may be a separate calculation.
Would pay the original statement amount to avoid risking finance charges until BDO confirms how that particular refund was applied.
Takes the stricter position that the ₱475K statement should still have been settled and the ₱75K credit might count as an overpayment for the next period.
The disagreement centers on whether a merchant refund credited after statement cut-off can offset the amount needed to avoid finance charges. BDO publishes general information on card terms and Minimum Amount Due, but its Minimum Amount Due formula is a different question from whether this refund reduced the full billed balance. Neither source answers how this particular account was processed.
The missing evidence is the next statement or a bank-issued explanation confirming how the ₱75,000 credit was applied and whether finance charges appeared. Until then, neither side of the Reddit argument has a verified outcome. Would you rely on the amount shown in the app, or seek written confirmation before the payment deadline?
Bank references: BDO credit-card terms and Minimum Amount Due explanation (general information; not an account-specific decision).
Source: Reddit r/PHCreditCards
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