this is the first time that I'll be availing of it since my brother needs cash badly and I'm kinda short. I had to look for the paper

containing the PIN number of this credit card and went to a nearby Metrobank ATM to withdraw cash.

I had been prompted several times that the PIN number is incorrect.

I called their CS hotline but they're as useless as their service. Apparently, the only remedy they could offer me is to withdraw money

over the counter - duh? it's way past banking hours!

good thing there's my father - he's open 24/7.

gomi: he doesnt know I'm asking for money in behalf of my brother so no `homily` for now.