All Articles With Category : Credit Card

The latest and the best financial news, tips and tricks.

Tuition Fee Promos for Credit Cardholders

School season is fast-approaching. Tuition fees, school supplies, uniforms, and other school-related expenses are being considered again on the family’s budget. One of the advantages of owning a credit card these days is that you can always pay in FULL for school tuition fees and pay for it on a later date, or have it differed monthly. Cash advances is also an option, though banks are constantly reminding that it may charge bigger monthly interests. Good thing, some banks offer tuition fee payments on a lighter monthly interest, compare and save: Table of ContentsCitibankMetrobankBDOBPI Citibank With your Citibank Credit Card you can enjoy longer, lighter payments on tuition fees with as low as 0.75%* converted monthly factor rate for 9, 12, 18 and 24-month tenors; 1.00% converted monthly factor rate applies to 3 and 6-month tenors. Applicable for the following Schools and Universities: Alternative Learning Resource School Asian Institute of Management Britesparks International School Center for Culinary Arts Manila Colegio de San Agustin De La Salle University De La Salle Santiago Zobel School Explorations School First Academy of Computer Arts Gymboree (Shangri-la and McKinley Forbes) Keys School La Salle Greenhills Miriam College Modern Academy New England College OB Montessori (Fairview, Greenhills, Makati, Sta. Ana) Our Lady of Perpetual Succor College PAREF Northfield School for Boys PAREF Southridge School Phil. Center for Creative Imaging St. Mary of the Woods School St. Michael College of Laguna St. Paul College of Pasig St. Paul University Quezon City University of Asia and the Pacific University of San Carlos University of Santo Tomas Read more: Citibank Credit Card Application: Easy…

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Credit Card Payments for Taxi Fares?

Taxi commuters have been experiencing problematic taxi drivers. Part of the resolution to address short-changed customers is the House Bill No. 4106 by Paranaque 1st District Representative Eric Olivarez to allow passengers to use credit cards or debit cards to pay for taxi fares, just like what other countries in the world are already doing. Credit card payments would ensure exact charges to the passenger, eliminating the problem of overcharging taxi drivers and those who do not give the change due. Meanwhile, it also aims to protect taxi drivers from dishonest, and short-paying passengers. However, there is a provision that prohibits taxi drivers to accept passengers when their credit card machine is not functioning or if they decline a debit or credit card payment. If and when they can be penalized with suspension or cancellation of the taxi franchise or a fine of PHP20,000 to PHP50,000. Today, it is considered that everyone in the working class, who takes a cab, has an ATM card and/ or credit card, people today are now more knowledgeable about POS transactions on stores. It could be convenient to use on taxis as well. Mabuhay Taxi, a taxi line in Davao, is already accepting credit card payments since July 2012. Do you think this will work fine in Metro Manila as well?

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BPI eCredit Card – A Must for Online Shoppers

There is a growing number of Filipino shifting from the brick-and-mortar shopping to online shopping. You may be interested in joining this trend. In this article, know how the BPI eCredit Card works and helps users shop online. Just read on and find it out! Table of ContentsDon’t Let Fear Get in Your Way from Online ShoppingThe BPI eCredit Card is Not the Regular Credit CardStill Don’t Get How the BPI eCredit Card Works?What is BPI eCredit Card’s limit?You can get the BPI eCredit Card at No CostMake Your Online Shopping Experience a Safe and Rewarding OneIt’s Easy Track Your Spending Online Don’t Let Fear Get in Your Way from Online Shopping The convenience and the variety of selection are attractive features of shopping online. There are still a portion of people who wish to join the ranks of online shoppers yet are deterred by the security issues associated to shopping online. They are wary of exposing their confidential credit card information on the Internet. Read more: Reasons Why You Should be Cautious About Online Shopping However, the benefits of online shopping should outweigh these fears. BPI eCredit Card comes with features to make online shopping safer and more enjoyable. The BPI eCredit Card is Not the Regular Credit Card The BPI eCredit Card is a virtual credit card. It is exclusively designed to ensure that cardholders can shop online safely. The BPI eCredit Card is a companion card for the BPI Express Credit MasterCard variants: •           Classic •           Blue MasterCard •           Gold MasterCard •           Petron-BPI MasterCard •           Edge and Mini Edge…

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Which Metrobank Credit Card Suits You?

One of the largest bank in the Philippines, Metrobank, offers a variety of credit cards to serve your needs. One of the ways to maximize the benefits of your credit card is to apply for the one that really suits your personality and financial behaviour to gain more rewards and promos. Here are Metrobank credit cards to choose from: Table of ContentsMetrobank ON Internet MasterCardMetrobank Classic VisaMetrobank Classic MasterCardMetrobank Toyota MasterCardMetrobank Femme VisaMetrobank Gold MasterCardMetrobank Gold VisaMetrobank Robinsons-Cebu Pacific MasterCard ClassicMetrobank Robinsons-Cebu Pacific MasterCard Gold Metrobank ON Internet MasterCard A more secure payment solution for all your internet transactions Personalize your credit card with your favorite photo through designmycard Receive your monthly statement of account via your email address P20 spent = 1 reward point No points multiplier e.g. P500 Online Shopping Credit (10,000 points) Points only redeemable for Online Shopping Credit ₱ 500First year waived 3.5%Per month Read More: Metrobank Credit Card Promos for March 2015 Metrobank Classic Visa Get discounts, free gifts and great deals at ‘M here! partner establishments Comes with an embedded EMV-chip that protects you from credit card fraud Personalize your credit card with your favorite photo P20 spent = 1 reward point No points multiplier e.g. Union 16″ Stand Fan (35,450 points) Only principal cardholders are eligible to redeem reward points ₱ 1,500First year waived 3.5%Per month Metrobank Classic MasterCard Get discounts, free gifts and great deals at ‘M here! partner establishments Comes with an embedded EMV-chip that protects you from credit card fraud Personalize your credit card with your favorite photo P20 spent = 1 reward point No points multiplier e.g. Union 16″ Stand Fan (35,450…

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Getting the Most Out of Your Credit Card

It is easy to apply for a credit card but using it requires control and discipline. If not used properly, this can cause financial trouble on your end, and you might even end up in huge debts! If you are a credit card owner, read on the following tips on using your credit card wisely and using it to your own advantage: 1. Take advantage of reward points. Credit card providers offer a slew of benefits that most people don’t take advantage of like the reward points. Every time you make a purchase, you earn reward points. You can accumulate these reward points in exchange of special items or other offers such as discounts on airline tickets, gift certificates, hotel accommodations, and a lot more. 2. Use it for your needs. Always identify the thin line between your needs and wants. As much as possible, use your credit card for your needs rather than your wants. For instance, use it to purchase your groceries, your fuel, and any other items that you would normally use your debit card for. The more you spend, the bigger the rewards you get. 3. Use but don’t abuse. Do not use your credit card to pay for that next shoe purchase just because you want to. Try your best to resist on swiping away on an item that you think is a mere want of the moment, especially if you think it is out of the budget. Make sure you purchase something that you will be able to pay on the next billing. 4. Pay in full and pay on…

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How Much is the Annual Fee of a UnionBank Credit Card?

If you wish to get a credit card, one of the unavoidable fees is the annual membership fee. UnionBank Credit Cards are no exception. However, they are reasonable and affordable.  In this article, we will discuss the affordable annual fees of UnionBank Credit Cards. Table of ContentsUnionBank Credit CardsAnnual Fee of UnionBank Brand CardsWhat are Co-Branded Credit Cards? UnionBank Credit Cards UnionBank is known as one of the best banks in the Philippines. Since its establishment in 1981, UnionBank has introduced a wide array of credit cards to cater to the needs of various customers in the Philippine market. Let us have a look first at the annual fee of UnionBank-branded credit cards. Annual Fee of UnionBank Brand Cards Type of Brand Cards Annual Fees(Principal Card) Annual Fees(Supplementary Card) Platinum P3,000 P1,500 Gold P2,500 P1,250 Classic P1,500 P750 The annual fees vary according to the type of card. It is best to pick a card that suit your lifestyle and needs. With UnionBank Credit Card, your every peso spend will earn you the reward points that can be used to redeem goodies, and travel fares. What are Co-Branded Credit Cards? Co-branded cards are credit cards offered by UnionBank that are jointly sponsored by the bank and the retail merchants. There are a lot of co-branded cards issued by the UnionBank. These co-branded cards often come with a great variety of incentives, such as discounts and rebates. We will be discussing the different co-branded cards in the coming articles.

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Rewards Point of The Citi Platinum Card- Get The Most Rewards From Your Purchases

If you are on the lookout to get the most from your hard-earned money, why don’t spend a few minutes and take a look at the Citi Platinum Card? We will be looking at the benefits offered by this card, especially its attractive reward program.  Table of ContentsThe Never-Expiring Citi Reward PointsGet More Rewards Points For Every P30 SpendThe Merchant Category CodesI Want to Get the Bonus The Never-Expiring Citi Reward Points Since we have expenses on everyday necessities, how can we make the most of our every spent peso? With the Citi Platinum Card or even with Citi PremierMiles Card, 1 Citi Reward Point is gained for every P30 spent. The Citi Rewards Point also never expire. Get More Rewards Points For Every P30 Spend The cardholders can earn more points for every P30 spend made at the department stores and shopping boutiques in the Philippines. They can earn 3 points for every P30 spent. The purchases can be made in either at mortar-and-brick stores or online retail shops. This privilege also applies on every P30 spent at restaurants in the Philippines. Three points are earned for every P30 spent overseas, whether in-store or online. Anyone can grab items online and earn the reward points at the same time. The Merchant Category Codes A merchant category code (MCC) is a 4-digit number assigned to a business by the bank when the business begins accepting Visa or MasterCard as a form of payment. Thus, the Citi Platinum Card cardholders need to pay attention to the merchant category codes that vary from…

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All About the EON Visa Debit Card (Part 2)

Are you planning to get your own EON Visa Debit Card?   In this second part, we answer other questions that you may have regarding the EON Visa Debit Card. Table of ContentsCan I immediately use my EON Visa Debit Card once I receive it?Can I replace/renew my card online?Other Errors and QuestionsWhat should I include in my writing complaints? Can I immediately use my EON Visa Debit Card once I receive it? Yes, you can use your new EON Visa Debit Card for any money transactions once you receive it. For online applicants, they can claim their card after submitting their documents at the UnionBank pick-up branches. On the other hand, cardholders who fill out the application form over the counter can only receive their EON Visa Debit Cards after 5 banking days. You can use your EON Visa Debit card at the instant you receive it. You can swipe it at any accredited Visa merchants all around the world and withdraw your money at any Megalink ATMs and Visa Plus ATMs. Apart from these, you can also immediately link the EON Visa Debit Card to your PayPal account. (Click here if you wish to know how to sign up for a PayPal account.) Can I replace/renew my card online? The EON Online Application is only meant for new card EON Visa Debit Cards application. If your EON Visa Debit Card has been damaged or needs to be renewed, the card replacement and card renewal actions cannot be performed online. (UnionBank EON Visa Debit Cards will expire after 3 years.) In…

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All About the EON Visa Debit Card (Part 1)

Applying for UnionBank EON Visa Debit Cards online is very convenient and easy. However, from time to time, some problems may surface during the process In this blog, we will tackle common questions you may face and ways to solve them! However, from time to time, some problems may surface during the process In this blog, we will tackle common questions you may face and ways to solve them. Table of ContentsDid Not Receive Your Reference NumberLost or Forgot the Reference NumberNo UnionBank Pick-up Branch is Nearby Did Not Receive Your Reference Number After filling out the application form, a reference number is given to indicate that the online application was successfully processed by UnionBank. There are certain cases wherein users do not receive their reference number after they have submitted their online application forms. If you do not receive any SMS or email notification from UnionBank after waiting for a couple of hours or a few days, just fill out the online application form again until you receive your reference number. If you did not receive any SMS or email notification from UnionBank after a few days, fill out the online application form again until you receive your reference number. You will not be charged any fee for filling out the form again and again. (Only repeat this action when you still can’t get the reference number.) Lost or Forgot the Reference Number In such cases, go to the selected UnionBank’s pick-up branch and give your name to the representative. The bank will help you validate your request and complete the…

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