I Lost My Credit Card. What Should I Do?
- By Ricky Publico
- October 15, 2020
Ever lost a wallet before? Imagine losing your valid IDs, spare cash, and your credit card. Out of all the things you’ve lost, your lost credit card has the most potential to bury you in a huge mountain of debt, provided you didn’t handle the situation well. Learn more about the importance of this matter and find out what you can do if you do lose your precious credit card. Table of ContentsI Lost My Credit Card, So What?What Should I Do After Losing My Credit Card?Can I Recover My Lost Credit Card?What Should I Do to Protect My Credit Card? I Lost My Credit Card, So What? Losing your credit card is a serious matter. While it’s true that the credit card itself doesn’t have your money contained with it, a fraudulent user can rack up your debt without your knowledge. Whoever got your lost credit card can basically buy whatever they want at your expense. Ignore this problem and you’ll be greeted with a credit card bill you’ll sell your kidney for. This is because typically, any purchases made using a credit card under your name will be held liable to you. The worst part is that fraudsters don’t even need your physical card to use your credit card. All they need is access to your credit card information like its card number, date of expiry, and the card verification code (CVC) found at the back of your card. Read more: INFOGRAPHIC] The Anatomy of a Credit Card What Should I Do After Losing My Credit Card? If you…
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BDO Credit Card Promos You Shouldn’t Miss in 2020
Are you a BDO cardholder looking for credit card promo offers before the year ends? You’re in for a treat! BDO credit card promos never fail to disappoint and in fact, some of these offers extend to next year. Isn’t that exciting? BDO offers plenty of dining, hotel, travel, shopping, and other exciting rewards for both their first time and existing clients. So to make it easier for you, we’ve compiled the best BDO credit card promo offers out there. Table of ContentsBDO Credit Card Promo Offers for New CardholdersEarn Up to 40,000 Bonus PointsFree SM Gift Pass Up to PHP 1,500BDO Credit Card Promo Offers for Shopping12% Off on Items at ShopeePHP 500 Off at PounditUp to 10% Off at Fully BookedPHP 300 Off Every Friday During Your Birth Month at MinisoUp to PHP 1,000 Off at All HomeUp to 18% Off at ZaloraUp to PHP 5,000 Rebate on InstallmentsBDO Credit Card Promo Offers for DiningUp to 50% Off at New World Makati HotelUp to 20% Off at Fairmont MakatiUp to 20% Off at Raffles Makati15% Off at Hotel Okura YamazatoExclusive Pizza Hut DealsBirthday Privileges at Sheraton Manila Hotel10% Off at Brothers BurgerFinal Thoughts BDO Credit Card Promo Offers for New Cardholders Earn Up to 40,000 Bonus Points Eligible Card: BDO Diamond UnionPay Promo Period: January 1, 2020 to December 31, 2020 New BDO Diamond UnionPay cardholders can earn up to 40,000 bonus points by using their card on daily purchases. Meet the minimum spend[1] of PHP 75,000 and instantly earn over 11,000 reward points. So swipe more to earn…
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Moneymax Reviews: Earn Your Cash Back with HSBC Gold Visa
- By Ricky Publico
- October 8, 2020
Don’t blink because you’ll definitely miss another edition of Moneymax Reviews! This week, we’re taking a look at HSBC’s premium cash back credit card, the HSBC Gold Visa. What can this credit card bring to the table? We’ll find out in this HSBC Gold Visa review. The HSBC Gold Visa Cash Back’s main selling point is the 5% rebate on dining expenses. Does that make HSBC Gold Visa the perfect dining partner? What other perks can it offer? Let’s answer all that and more. Table of ContentsHSBC Gold Visa Cash Back Key FeaturesWhy Should I Get an HSBC Gold Visa Cash Back?What Perks Can I Get with My HSBC Gold Visa?Exclusive Privileges0% Installment PlansCash Installment PlanHSBC AutochargeHSBC Gold Visa Cash Back AlternativesFinal Thoughts HSBC Gold Visa Cash Back Key Features A good HSBC Gold Visa review starts with the basics. Looking at its key features, you’ll see how the HSBC Gold Visa stack up with other credit cards out there. Don’t take it on face value just yet—this card definitely deserves a closer look. Annual fee: PHP 2,500 Interest rate: 3.50% Minimum monthly income requirement: PHP 16,667 Cash advance fee: 3% of the amount borrowed or PHP 500, whichever is higher Late payment fee: PHP 700 or unpaid minimum amount due, whichever is lower Overlimit fee: PHP 500 Foreign transaction fee: 2.5% of the converted sum plus reimbursement of the assessment fee charged by Visa/MasterCard to HSBC equivalent to 1% of the converted sum Card replacement fee: PHP 400 Read More: HSBC Credit Card Application: A Guide for First Timers…
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9 Best Travel Credit Cards in the Philippines for 2020
- By Venus Zoleta
- October 6, 2020
As the economy slowly reopens, you may be thinking of traveling with your loved ones soon. Heck, you might have even planned your next dream destination while still on quarantine. So while you’re at it, it’s better if you start thinking of how you can save money while traveling, too. And one of the best ways to do so is by using a travel credit card. Table of ContentsWhy Get a Travel Credit Card?What Features Should I Look for When Getting a Travel Credit Card?10 Best Travel Credit Cards in the Philippines1. Citi PremierMiles Card2. HSBC Platinum Visa3. Metrobank Travel Platinum Visa4. RCBC AirAsia Credit Card5. UnionBank Cebu Pacific GetGo 6. PNB-PAL Mabuhay Miles World Mastercard7. BPI Signature Visa8. BDO Visa Platinum9. Security Bank Platinum MastercardWhich travel credit cards have airport lounge access?Which travel credit cards have no annual fee?Which travel credit cards have travel insurance?Final Thoughts Why Get a Travel Credit Card? A travel credit card is worth it if you’re a frequent traveler. This type of credit card is ideal for individuals who often travel for work or for leisure, and can afford to spend the card’s minimum requirement for racking up air miles and rewards points. Having a travel credit card also allows you to enjoy travel perks such as airport lounge access, hotel and fuel discounts, and exclusive shopping and dining deals from merchants worldwide. Several travel credit cards in the Philippines also offer free travel and accident insurance coverage. What Features Should I Look for When Getting a Travel Credit Card? There are plenty of credit…
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What Happens If I Max Out My Credit Card?
- By Moneymax
- September 30, 2020
When used responsibly, credit cards can help you manage your finances and fund unexpected expenses such as medical bills or repairs. Some cards even offer rewards, cashback, or miles that will help you maximize the money you’re spending. However, if you can’t keep track of your spending, you may end up with a maxed-out credit card—a card that has used up its credit limit. A maxed out credit card can strain your finances and affect your credit score. Keep on reading to learn more about this and how you can avoid maxing out your card. Table of ContentsWhat is the Meaning of Maxing Out a Credit Card?Is Using Up My Credit Limit Bad?What Happens Next?1. Your credit card becomes unusable2. Your credit score may be affected3. Your minimum payments may become unmanageable4. It may become harder to pay off the balance5. Your card is no longer beneficialFees and Penalties in a Maxed Out Credit CardWhat Should I Do If I Maxed Out My Credit Card? 1. Stop using the card2. Restructure your budget3. Pay off the balance4. Get a credit limit increase7 Tips to Avoid Exceeding Your Credit Limit1. Review your credit card balance regularly2. Pay off your balance as soon as possible3. Curb off the shopping4. Track your budget5. Avoid cash advances6. Be careful with multiple cards7. Avoid emotional purchasesFinal Thoughts What is the Meaning of Maxing Out a Credit Card? A credit card typically comes with a credit limit, the maximum amount you can spend using your card. Ideally, you’ll want to keep your credit card balance below…
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Moneymax Reviews: Is HSBC Platinum Visa the Most Rewarding Travel Credit Card?
- By Venus Zoleta
- September 23, 2020
Welcome to the latest edition of Moneymax Reviews! In our previous HSBC Red Mastercard review, we noted how rewarding this credit card is. While it’s an awesome card overall, you might want your credit card rewards leveled up if, say, you’ll travel a lot when the pandemic is over. Which brings us to an HSBC Platinum Visa review. Among HSBC’s credit card offerings, the Platinum Visa is touted as the “ultimate travel card.” Is this travel rewards card really worth considering? This HSBC Platinum Visa review will find that out and more. Table of ContentsHSBC Platinum Visa Review: Credit Card Key FeaturesWhy Should I Get an HSBC Platinum Visa Credit Card?Enjoy Free FlightsEarn Travel, Shopping, and Dining Rewards FastPay for Big-Ticket Purchases at 0% Interest on Up to 36 Monthly InstallmentsWhat Perks Can I Enjoy with My HSBC Platinum Visa?Travel PrivilegesCaltex Fuel Rebates and RewardsExciting Welcome Gift for New CardholdersHSBC Platinum Visa AlternativesFinal Thoughts HSBC Platinum Visa Review: Credit Card Key Features First, let’s check the basic features to see if you qualify for the HSBC Platinum Visa credit card. Annual fee: PHP 5,000 (free for the first year) Interest rate: 3.50% Minimum monthly income requirement: PHP 41,666.67 Cash advance fee: 3% of the withdrawn amount or PHP 500, whichever is higher Late payment fee: PHP 700 or the unpaid minimum amount due, whichever is lower Overlimit fee: PHP 500 Foreign transaction fee: 2.5% of the converted sum plus 1% assessment fee by Visa Card replacement fee: PHP 400 Why Should I Get an HSBC Platinum Visa Credit Card? Enjoy Free Flights Save on your next flights…
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The Pros and Cons of Credit Card Installment Plans
- By Ricky Publico
- September 22, 2020
Aside from the convenience of swiping and the luxury of perks, one great thing about owning a credit card is availing credit card installment plans. And these payment plans aren’t that hard to find, either. Most banks in the Philippines offer flexible terms, low interest rates, and other special promos to sweeten the deal. But is it really a good idea to avail a credit card installment plan? On paper, it’s a great way to pay for almost anything. But you’ll be surprised how it can also be disadvantageous at times. Here are the pros and cons you need to consider before you avail a credit card installment plan for your next purchase. Table of ContentsPro: Convenient way to buy expensive itemsCon: No rewards for installment purchasesPro: Save your money for other needs or wantsCon: Another monthly payment to worry aboutPro: Earn more money from your purchaseCon: Your financial future is uncertainFinal Thoughts Pro: Convenient way to buy expensive items The concept of “buy now, pay later” will always be enticing, especially for the most budget-conscious out there. This is basically the main draw of availing credit card installment plans. After all, why would you fully pay for something when you can space out the payments monthly? And for big-ticket purchases, it’s almost a no-brainer to divide your payments. And technically, you don’t need a credit card to avail an installment plan[1]. But you’ll need to submit a bunch of requirements and not all stores offer such plans anyway. With a credit card, all it takes is a few swipes…
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Balance Transfer Credit Cards: Guide for Cardholders in the Philippines
- By Venus Zoleta
- September 17, 2020
Are your credit card payments becoming too much of a burden? If you’re paying high interest on your balance every month, it’s time to switch to a balance transfer credit card with a lower interest rate. Doing so prevents worst-case scenarios like accumulating huge credit card debt. Manage your credit card payments better through balance transfer. Get started with this guide to balance transfer credit cards in the Philippines. Table of ContentsWhat is a Balance Transfer Credit Card?How to Choose the Best Balance Transfer Credit Card1. Compare Balance Transfer Features and Fees2. Compute and Compare Monthly AmortizationsBest Balance Transfer Credit Cards in the PhilippinesRCBC Bankard Flex VisaCiti Simplicity+Metrobank M Lite MastercardBank of Commerce Platinum MastercardBDO Gold UnionPayChina Bank Freedom MastercardBPI Edge MastercardSecurity Bank Classic Rewards MastercardHow to Transfer Credit Card Balance1. Get a New Credit Card2. Apply For Balance Transfer3. Wait For Balance Transfer ApprovalFinal Thoughts What is a Balance Transfer Credit Card? A balance transfer credit card is a low-interest card where you can move the amount you owe on your other high-interest cards. Because of the lower interest rate, most of your payments will go toward your principal balance instead of the interest charges. This helps you save money on interest payments and pay off your debt faster. This type of credit card also simplifies your payments by consolidating your balances on other cards into one monthly payment and due date. Read more: Credit Card Balance Transfer: 8 Things Cardholders Need to Know How to Choose the Best Balance Transfer Credit Card The right credit card features spell…
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11 Metrobank Credit Card Promos You Shouldn’t Miss
- By Ricky Publico
- September 15, 2020
Do you own a Metrobank credit card? Or maybe you’re planning to get one soon? Whatever your status is, it’s important to take advantage of Metrobank credit card promos. Apart from Metrobank credit card rewards points, cardholders can also enjoy exclusive discounts and deals when they use their card to shop at partner establishments. Here are some of the best ones to check out. Table of ContentsMetrobank Credit Card Promos for New CardholdersRainy Day Rebates Acquisition PromoMetrobank Credit Card Promos for Dining50% Off at Select Grand Hyatt Hotel Restaurants15% Off at California Pizza Kitchen15% Off at Highlands Coffee10% Off at SugarhousePHP 100 Off on First Foodpanda OrderMetrobank Credit Card Promos for ShoppingUp to 30% Off at BalthazarUp to 25% Off at Zalora10% Off at Surplus15% Off at Audio RefineryPHP 4,000 cashback on Samsung Galaxy Note 20 or Note 20 UltraFinal Thoughts Metrobank Credit Card Promos for New Cardholders Rainy Day Rebates Acquisition Promo Eligible Cards: All Metrobank credit cards (except Metrobank Dollar Mastercard, Corporate Card, Commercial Card, Puregold Mastercard, M Free Mastercard, and M Lite Mastercard) Promo Period: July 16, 2020 to October 15, 2020 Thinking of applying for a Metrobank credit card? Do it before October 15, 2020 so you won’t miss just one of the exciting Metrobank credit card promos[1]. Apply for a Metrobank credit card, spend PHP 30,000 within 90 days upon approval, and get rebates worth up to PHP 3,500. Plus, earn 2x reward points on electronics, gadgets, and all online purchases with your newly-minted Metrobank credit card. Metrobank Credit Card Promos for Dining 50% Off at Select…
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Moneymax Reviews: 4x the Fun with HSBC Red Mastercard
- By Ricky Publico
- September 10, 2020
It’s not a bird, it’s not a plane, it’s another edition of Moneymax Reviews! Our exploration of note-worthy credit cards in the Philippines continues with our first entry from HSBC. How well can HSBC’s beginner-friendly credit card fare in this HSBC Red Mastercard review? Let’s find out. Table of ContentsHSBC Red Mastercard Key FeaturesWhy Should I Get an HSBC Red Mastercard?What Perks Can I Enjoy with My HSBC Red Mastercard?HSBC Red Mastercard AlternativesFinal Thoughts HSBC Red Mastercard Key Features Before we go any further, let’s first judge the card by its features. And looking at the list below, it’s easy to see why the HSBC Red Mastercard is a popular choice. Just look at that low annual fee and annual income requirement. Annual fee: PHP 1,500 (free on the first year) Interest rate: 3.50% Minimum monthly income requirement: PHP 16,667 Cash advance fee: 3% of amount or PHP 500, whichever is higher Late payment fee: PHP 700 or unpaid minimum amount due, whichever is lower Overlimit fee: PHP 500 Foreign transaction fee: 2.5% of the converted sum plus reimbursement of the assessment fee charged by Visa/MasterCard to HSBC equivalent to 1% of the converted sum Card replacement fee: PHP 400 Why Should I Get an HSBC Red Mastercard? So what do you get for a seemingly affordable credit card? Two words: accelerated rewards. For every PHP 20 spend on qualified spend categories, you earn four (4) bonus points. What are these qualified spend categories, you ask? They just happen to be the four that matter: dining, shopping, overseas, and online…
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What is the Best Credit Card to Pay Bills in the Philippines?
- By Venus Zoleta
- September 8, 2020
Using a credit card is one of the most convenient and safest ways to pay bills. It spares you the hassle of lining up at malls and remittance centers and paying in cash or check. Instead, you can make utility payments online with your card at home. When you pay bills with a credit card, you can track your expenses more easily. You can just view your card’s billing statement to check if all your bills for the month are settled. What’s the best credit card to pay bills, you might ask. It’s the one that provides maximum savings and convenience when used to pay for electricity, water, mobile postpaid, internet, cable, and other utilities. Keep reading to learn more about the best credit cards to pay utility bills in the Philippines. Read More: A Guide to Paying Electricity Bills with Meralco Online Simple Steps to Check and Pay for Your Maynilad Water Bill Online Table of ContentsWhat to Consider When Choosing the Best Credit Card to Pay BillsCashback or Rewards for Bills PaymentAutomatic Payment FeatureBest Credit Cards to Pay Bills in the PhilippinesSecurity Bank Complete Cashback MastercardCiti Cash BackUnionBank Gold MastercardMetrobank Rewards Plus VisaHSBC Red MastercardCiti Rewards MastercardRCBC Flex Gold VisaWhat is the Best Credit Card for Utilities?How to Pay Bills with a Credit Card OnlineFinal ThoughtsDiscover other top credit cards in the Philippines: What to Consider When Choosing the Best Credit Card to Pay Bills Cashback or Rewards for Bills Payment Do I get cashback for paying bills?You might be wondering if you’ll be rewarded for using a…
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Need a Card? Here’s a Guide to Credit Card Online Application
- By Moneymax
- September 3, 2020
The number of credit cardholders in the Philippines increased from 7.5 million in 2013 to 9 million in 2018[1]. Apart from the different credit card types and perks offered by banks, the convenience brought by a credit card online application may have also played a part in the increase. Traditionally, you need to head down your bank’s nearest branch to apply for a credit card. You would have to wait in line for your turn to submit your requirements and wait for approval, which can be time-consuming. Thanks to modern technology, long queues for credit card applications have become a thing of the past. Online application allows potential customers to apply for a card at the comforts of their homes. Table of ContentsWhy You Should Apply for a Credit Card OnlineConvenienceAccess to a wide range of credit card productsShorter processing timeSafer application processWhat to Do Before Applying for a Credit Card OnlineIdentify your needsKnow the different types of credit cardsDon’t rush itCheck the requirementsCredit Card Online Application Basic RequirementsHow to Apply for a Credit Card OnlineUsing Your Credit Card ResponsiblyPay your bills in timeSpend what you can affordTrack your spendingCheck your credit card statementFinal Thoughts Why You Should Apply for a Credit Card Online A credit card online application offers various advantages compared to its traditional counterpart. Here are some of them: Convenience This is probably the number one reason why more and more people prefer online credit card applications. You don’t have to spend time going to your preferred bank’s nearest branch and wait in line. There is no extra…
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Applying for a Credit Card? Prepare These Credit Card Requirements First
- By Moneymax
- September 1, 2020
Credit cards can help you build a good credit history and save money with numerous benefits and rewards. Despite these perks, only less than 10% of Filipinos own a credit card[1]. Perhaps, many are discouraged by credit card requirements imposed by banks. In addition, many individuals are deterred by credit card debt—even if debt and credit cards do not come together[2]. Credit cards, when used responsibly, can be great for your financial well-being. Preparing for the application is vital to ensure that you’re getting the best chance of approval. To help you get your application ready, we listed down the credit card requirements from some of the top banks in the country. Table of ContentsCredit Card Requirements in the PhilippinesAUBBDOBPIChinabankCitibankEastWest BankHSBCMaybankMetrobankPNBRCBCSecurity BankUnionBank5 Tips When Applying for a Credit CardGet a card that fits your budgetCompare credit cards Limit your credit card applicationsPrepare your documents beforehandUnderstand the terms and conditionsFinal Thoughts Credit Card Requirements in the Philippines AUB Credit cards offered: Easy Mastercard Classic Mastercard Gold Mastercard Platinum Mastercard Eligibility: Must be 21 to 65 years old Must be a Filipino citizen or local resident foreigner For employed: must be employed for at least a year For self-employed: business must be operating for at least a year Basic credit card requirements for AUB: One valid ID Accomplished application form Proof of income (pay slips, latest BIR form 2316, Certificate of Employment, etc.) DTI/SEC Registration for self-employed applicants Alien Certificate of Registration for foreign applicants Processing time: Seven to 10 working days upon submission of complete requirements BDO Credit cards offered: Visa…
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Moneymax Reviews: Is AUB Platinum the Right Premium Card for You?
- By Venus Zoleta
- August 28, 2020
We’re back for another edition of Moneymax Reviews! Our past editions explored three of AUB’s credit cards: the Easy, Classic, and Gold Mastercard. This time, we’re doing an in-depth AUB Platinum Mastercard review. Judging from its name, you might expect the Platinum Mastercard to be chock-full of exclusive benefits for affluent clients. Indeed, this is marketed as the most premium AUB credit card, catering to high income earners. Now several questions come to mind. Does the AUB Platinum credit card live up to expectations? Is it the best premium card around? Is it worth signing up for? In this AUB Platinum Mastercard review, let’s see how the card measures up as a premium credit card. Table of ContentsAUB Platinum Mastercard Key FeaturesWhy Should I Get an AUB Platinum Mastercard? No Need to Pay Annual FeesChoose Your Own Due DateGet a High Credit LimitNo Need to Pay Interest on New PurchasesHave Your Bills Paid AutomaticallyWhat Perks Can I Enjoy with My AUB Platinum Mastercard?Earn and Redeem Rewards FastEnjoy Exclusive Travel PrivilegesAUB Platinum Mastercard AlternativesFinal Thoughts AUB Platinum Mastercard Key Features The Platinum Mastercard comes with standard features you’d expect from an AUB credit card. Annual fee: No annual fee for life! Interest rate: 3.50% Minimum monthly income requirement: PHP 100,000 Cash advance fee: None Late payment fee: PHP 700 or the unpaid minimum amount due, whichever is lower Overlimit fee: None Foreign transaction fee: 1% service fee added to the sum of peso conversion and Mastercard fees Card replacement fee: PHP 500 Read more: 6 Easy Steps to Applying for an AUB Credit Card Why Should I Get an AUB Platinum…
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10 Best Credit Cards for Small Businesses in the Philippines
- By Venus Zoleta
- August 25, 2020
For entrepreneurs, a credit card for small business is not just an option but rather a necessity. Whether you’re a freelancer, online seller, or solopreneur with several employees, there’s a card that best meets your needs for managing your business finances. Here’s everything to know about small business credit cards in the Philippines and how to find the perfect card for your business. Table of ContentsBenefits of a Credit Card for Small BusinessHow to Choose the Best Credit Card for Small BusinessDetermine What You Spend the Most onLook for Business-Friendly FeaturesGet a Credit Card with High Credit LimitBest Credit Cards for Small Businesses in the PhilippinesMetrobank Rewards Plus VisaHSBC Red MastercardAUB Gold/Platinum MastercardCiti Cash Back VisaSecurity Bank Gold Rewards MastercardBDO Installment MastercardUnionBank Lazada MastercardUnionBank Suy Sing VisaUnionBank Corporate VisaBPI Corporate MastercardHow to Get a Credit Card for Small BusinessBasic Requirements to Apply for a Credit Card for Small BusinessHow to Apply For Credit Card for Small BusinessFinal Thoughts Benefits of a Credit Card for Small Business Having a small business credit card allows you to conveniently pay for various costs—like equipment purchase, accounts payable, and more—without using cash or issuing a check. When you need to pay with cash, you can use a card as a source of credit instead of getting a loan. Access to cash is faster with a credit card than a business loan. Also, you get to borrow only what you need with a card compared to a loan. The best advantage of a credit card for small business is how it makes tax preparation and…
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Here’s Why You Should Never Miss a Credit Card Payment
- By Moneymax
- August 21, 2020
It’s that dreaded time of the month—your credit card bill arrives, and you aren’t sure if you can pay off your total balance. You have other priorities on your budget, so missing a credit card payment becomes an irresistible option. After all, it won’t hurt as much as losing electricity when you don’t pay your utility bills. Or is it? Yes, it’s easier to forgo your credit card bill for a month. You can still use your card anyway. But the consequences can be more serious than you imagine. Here are five possible scenarios that can happen if you skip a credit card payment. Table of ContentsWhat happens if I miss a credit card payment?It’s a One-Way Ticket to DebtYou’ll Lose Your Credit Card PerksYour Card May Be CancelledYou’ll Ruin Your Credit HistoryIt Will Lead to Financial StressWhy Should I Pay My Credit Card Bill in Full?Avoid Interest on Your Credit Card BillImprove Your Credit ScoreBe More Financially DisciplinedWhat if I Really Can’t Pay for My Credit Card Bill?Pay the minimum amount dueApply for a Balance TransferRestructuring ProgramsFinal Thoughts What happens if I miss a credit card payment? It’s a One-Way Ticket to Debt Think one missed credit card payment won’t make a dent on your budget? Think again. When you start skipping a payment, your unpaid credit card bill will be carried over to the next billing cycle. But that’s not all. You’ll be paying a finance charge[1], which is the interest (with rates ranging from 2% to 3.54%) applied to your total amount due, which includes your remaining…
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HSBC Credit Card Promo 2020: 10 Offers You Should Not Miss
- By Ricky Publico
- August 20, 2020
Do you have a credit card with HSBC? Make the most out of its use with an HSBC credit card promo. If you don’t have an HSBC card yet, you can immediately qualify for certain promos that cater to new customers. Here are 10 HSBC credit card promos you don’t want to miss this 2020. Table of ContentsHSBC Credit Card Promo Offers for New CardholdersPHP 2,500 Cash Rebate with Your First HSBC Credit CardHSBC Credit Card Promo Offers for Travel10% Off on Agoda BookingsUp to 20% Off at Fairmont MakatiUp to 30% Off at Seda HotelsHSBC Credit Card Promo Offers for Dining50% Discount on Cooked Bagnet at XO46 Heritage Bistro15% Off at Nikkei and Nikkei Nama BarHSBC Credit Card Promo Offers for ShoppingUp to PHP 400 Off at Mayani25% Off at ShippingCartUp to 18% Discount at Zalora10% Off at CalyxtaFinal Thoughts HSBC Credit Card Promo Offers for New Cardholders PHP 2,500 Cash Rebate with Your First HSBC Credit Card Eligible Cards: HSBC Red Mastercard, HSBC Gold Visa, and HSBC Platinum Visa Promo Period: May 15, 2020 to December 31, 2020 First-time cardholders are in for a real treat. Apply now for any eligible HSBC credit card online, spend at least PHP 5,000, and receive a PHP 2,500 cash rebate[1], no questions asked. That should set the mood of your first HSBC credit card experience. Read more: Moneymax Reviews: Earn Your Cash Back with HSBC Gold Visa Moneymax Reviews: Is HSBC Platinum Visa the Most Rewarding Travel Credit Card? Moneymax Reviews: 4x the Fun with HSBC Red Mastercard HSBC Credit Card Promo Offers for…
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12 Best Supplementary Credit Cards to Get for Your Loved Ones
- By Venus Zoleta
- August 18, 2020
Applying for a new credit card? If you have family members who depend on you for financial support, consider getting each of them a supplementary credit card along with your own primary card. Rather than applying for additional principal cards, it’s better to enroll your spouse, child, or elderly parent as a supplementary cardholder under your credit card account. Firstly, your family members may not qualify for a regular credit card. Either they are too young or too old, or lack income documents. With their more relaxed eligibility requirements, supplementary credit cards in the Philippines make it easy for such people to enjoy the convenience and benefits of a principal card. Also, supplementary cards are especially helpful during emergencies. Your child who lives far away can use the card immediately when he or she runs out of cash. Related: Best Credit Cards for Parents in the Philippines Table of ContentsHow to Choose the Best Supplementary Credit Cards for Your Family3 Features to Look for in a Supplementary Card12 Best Supplementary Credit Cards in the Philippines1. AUB Classic Mastercard2. Citi Simplicity+3. Metrobank M Free Mastercard4. Bank of Commerce Platinum Mastercard5. EastWest Platinum Mastercard6. BPI Family Credit Card7. China Bank Prime Mastercard8. HSBC Red Mastercard9. BDO Visa Gold10. RCBC Bankard Visa Infinite11. Metrobank Peso Platinum Mastercard12. Security Bank Complete Cashback MastercardFinal Thoughts How to Choose the Best Supplementary Credit Cards for Your Family If you already have an existing credit card and you don’t plan on getting a new one, your supplementary card options are limited to what your issuing bank offers….
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Moneymax Reviews: Is AUB Gold Mastercard the Gold Standard?
- By Ricky Publico
- August 13, 2020
Another week, another edition of Moneymax Reviews! Let’s leave the budget-friendly credit cards and head straight to the premium ones with this week’s AUB Gold Mastercard review. As we’ve seen from our previous review, AUB knows how to make their cards stand out from the rest. But how well can they fare when it comes to providing the best premium perks? Is the AUB Gold Mastercard the gold standard or can other credit cards steal the crown? So before you pick your next credit card, let Asia United Bank’s golden card entice you with its premium offerings. Table of ContentsAUB Gold Mastercard Key FeaturesWhat is Golden About AUB Gold Mastercard?What Perks Can I Enjoy with My AUB Gold Mastercard?AUB Gold Mastercard AlternativesFinal Thoughts AUB Gold Mastercard Key Features The standard way to start these reviews is to study each credit card’s key features. And just by looking at its features, the AUB Gold Mastercard can make people’s heads turn. Annual fee: No annual fee for life! Interest rate: 3.50% Minimum monthly income requirement: PHP 50,000 Cash advance fee: None Late payment fee: PHP 700 or the unpaid minimum amount due, whichever is lower Overlimit fee: None Foreign transaction fee: 1% service fee added to the sum of peso conversion and Mastercard fees Card replacement fee: PHP 500 What is Golden About AUB Gold Mastercard? AUB is all about giving their cardholders more freedom to pay their credit card bills. While their affordable credit cards are more flexible in this area, the AUB Gold Mastercard isn’t a slouch, either. You can…
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Best Credit Cards for Parents in the Philippines
- By Venus Zoleta
- August 11, 2020
Raising a family isn’t and will never be cheap. Parents have to juggle different household expenses: childcare costs, groceries, bills, rent, home upkeep, and so much more. The financial aspect of parenting is tough. But you can make things a lot easier for you, of course. A credit card for parents helps manage your household spending through billing statements. Credit cards also let you stretch your budget and save money through rewards or cashback. Whether you’re a single, expecting, first-time, or long-time parent looking for a way to keep your family finances in shape, there’s a credit card that matches your needs. Here’s a guide to help you choose the right credit card for managing your household finances. Table of ContentsWhat is the Best Credit Card for Parents? 4 Features to Consider1. Money-Saving Benefits2. Perks for Your Biggest Expenses3. Automatic Charging of Recurring Bills4. Installment PlanBest No Annual Fee Credit Cards for ParentsAUB Classic MastercardCiti Simplicity+PNB Ze-Lo MastercardBest Cashback Credit Cards for ParentsCiti Cash Back VisaSecurity Bank Complete Cashback MastercardBest Rewards Credit Cards for ParentsHSBC Red MastercardRCBC Bankard Flex Gold VisaUnionBank Lazada Credit CardUnionBank Home Depot VisaFinal Thoughts What is the Best Credit Card for Parents? 4 Features to Consider The best credit card comes with family-friendly features that allow parents to maximize their savings and make it easier for them to monitor their card spending. Look for these features when choosing a credit card for parents: 1. Money-Saving Benefits Some credit cards have waived annual fees, late payment fees, and overlimit fees, which can lead to significant yearly savings….
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