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First is to resend your proof of income and allow them to reevaluate your profile or ability to pay and second is to give information about your non BDO credit cards that has a higher credit limit. This gives me a level of security as I don’t want my main credit card information to be exposed over the net. But when BDO charged me on my second year, I called them quickly and negotiate to waive my fees. The mobile app on the other hand can pay bills and has great information on the latest deals like BDO Deal Finder. May a banker will look at many factors when get small business loans evaluating whether to grant you an sba. Other companies process took a lot longer with faxing back and forth but with you everything went smoothly. Most loans deducts a one time processing fee from your loan proceeds like BPI personal loan. When it comes to promotions and special offers both have the same deals but differs from merchant to merchant. 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