HMO SCAM IN PHILIPPINES? BEWARE! Aug 17, 2018 Yesterday (aug 16,2018) , I went to SM sta rosa to get my new card from BDO.As i was strolling inside the Mall, a man approached me andtold me it was “CARITAS” anniversary and for their celebration they are giving a promotion for just a day. He told me he just need to gain pointsRead the Post