All Articles With Author : Ricky Publico

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

How to Spend Money Wisely When You’re Trying to Save

Struggling to save money? That’s because you’re probably spending it. After all, if you want to increase your savings, just stop buying things you don’t really need. But in this day and age, that advice is too simple and vague when learning how to spend money wisely. And it’s extra difficult when you’re the type of person who subscribes to the idea of retail therapy as a way of life. Good news: you can continue doing that without totally draining your savings. Just follow these concrete steps to get started with your guilt-free shopping.  Learn How to Spend Money Wisely with These 6 Tips Begin Categorizing Your Expenses Say goodbye to the days when you just click Add to Cart on a whim. Whether you like it or not, part of growing up is to start improving your spending habits. Ideally, you should prioritize wants over needs. But if you want to be more meticulous, you can categorize your spendings into fixed, savings, and variable costs.  Fixed costs include monthly expenses like mortgage, rent, bills, and debt payments. Savings are obviously the amount you allot for either personal or emergency savings. Variable costs are the expenses that are within your control like groceries, dining or food delivery costs, and leisure funds, among other things. Prioritize Savings Over Expenses If your goal is to grow your savings, it’s a no-brainer to prioritize it above everything else. Whether you’re using the 50-30-20 rule[1], the envelope method[2], or other budgeting tips and tricks you know, always allot savings first before other expenses. If…

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Need Extra Income? 8 Ways to Make Money Using Your Car

You know the old saying, “With great cars comes great expenses”? You probably don’t, but you won’t find the lie in that statement. You’ll be spending a lot on fuel, maintenance costs, and car insurance in the Philippines. Not to mention that the older your vehicle, the lower its resale value is. Because of this, it’s best to maximize your vehicle until it’s time to say ‘goodbye’ and purchase a new one. According to a research conducted by Toronto Star[1], the average lifespan of newer vehicles is 12.88 years, which means you’ll have more than enough time to figure out how to earn money using your car in the Philippines. Fortunately, the fact that a car can conveniently get you from points A to B means you won’t run out of business ideas. Here are a few ideas you can try out. How to Earn Money Using Your Car in the Philippines 1. Offer Delivery Services to Neighbors If you’re the unofficial social butterfly of your neighborhood, you can offer to be a delivery person for your neighbors. You can take their pets to the groomers, pick up and deliver packages for them, or offer to buy their essentials. Owning a car during the pandemic can be an instant source of income by offering your services to those who don’t own one. You being the neighborhood’s resident “serbis” works wonders in last-minute instances and even emergency situations. After all, people are willing to pay extra for convenience. Target your neighbors who are commuting everyday or running a day-to-day business delivering various products online. 2. Become…

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How to Achieve Financial Goals: One-Year-After-Lockdown Edition

For years, every adult has struggled to figure out how to achieve financial goals. Some were lucky to find the right solution; others failed to even move needles with their efforts. Then the pandemic came and made it even harder for everyone to get any financial goals done. One year in and most of us are still stuck at home with no end in sight. Is it still possible to get things done? Of course it is! It might take a while than usual, but here are some things you can do during lockdown to inch your way closer to your financial goals.  How to Achieve Financial Goals During the Pandemic Practice Delayed Gratification It’s not enough to say save your money because that’s too generic. At this point, saving money is a goal in itself. So how do you end up saving money? One way to do so is to practice delayed gratification[1]. It involves managing expectation and cultivating self-control by delaying satisfaction. Basically, just don’t buy the thing when you don’t need the thing. The best part about delayed gratification is that you can use it to improve other aspects of your life. Delaying a huge purchase saves you money; delaying a video game session to focus on work improves your productivity; delaying a custard cake for later (or not eating it at all) works well for your diet. So during lockdown, find the means to delay instant gratification.  Work Smarter than Harder Don’t get me wrong—working hard is great. It can take you places, but it won’t…

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9 Possible Reasons Your Car Insurance Claim Got Denied

Now that you have auto insurance coverage, you’re guaranteed financial protection from any car-related damage you might incur on the road. However, car insurance doesn’t give you the license to act recklessly out there. You can’t just apply for a claim after a car accident and expect to receive money in an instant. Your insurance provider will evaluate your accident thoroughly before deciding to cover the expenses or not. If you got your car insurance claim denied, don’t freak out just yet. There’s probably a good reason why it was rejected in the first place. 9 Reasons Why Car Owners Get Their Car Insurance Claim Denied 1. Unpaid Premiums Your claim will obviously get denied if you still have unpaid premiums. This is why insurance providers recommend paying your car insurance in full. You’d think you’re saving money by choosing a 90-day or monthly payment plan, but that’s not the case. Accidents tend to happen sporadically. They’re so random that they can happen during the first few days of your payment plan. If that happens, you’ll end up paying for the repairs yourself, together with the remaining balance of your car insurance. 2. Policyholder’s Negligence Another obvious reason for a denied car insurance claim is your negligence. We’ve established earlier how insurance providers evaluate your claim before covering the expenses. So if your insurance provider found that you’re responsible for the accident, expect your car insurance claim to be rejected. If they found out an instance where you could have avoided the accident, the insurance company may also get your…

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Moneymax Reviews: Level Up Your Game with UnionBank PlayEveryday

Who says owning a credit card has to be boring? That’s the stereotype that this UnionBank PlayEveryday review is looking to shatter today. Because after all, you can make a game out of anything and that includes using a credit card for all your daily transactions. So how exactly can the UnionBank PlayEveryday Credit Card gamify your finances? Read our latest edition of Moneymax Reviews because this might as well become your next go-to credit card. UnionBank PlayEveryday Credit Card Key Features To start this UnionBank PlayEveryday review, let’s check out the key features of the credit card of the hour. Annual fee: PHP 1,500 Interest rate: 2% Minimum monthly income requirement: PHP 30,000 Cash advance fee: PHP 200 per cash advance and 1.96% finance charge per month until date of repayment Late payment fee: PHP 750 Overlimit fee: PHP 500 Foreign currency fee: 3% Card replacement fee: PHP 400 Read more: Your Simple 5-Step Guide to UnionBank Credit Card Application Why Should I Play with the UnionBank PlayEveryday? Aside from its unique name, what sets apart the UnionBank PlayEveryday credit card is its focus on gamifying your credit card transactions. To find out more, let’s explore its rewards system and see whether this credit card deserves its name. Exciting Play Points System The UnionBank PlayEveryday prides itself as having the first gamified banking rewards program in the Philippines, and for good reason. For starters, you earn one (1) Play Point for every PHP 10 spend, one of the lowest point conversion rates out there. To earn points, you just need to use the UnionBank PlayEveryday to…

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Quarantine Fatigue is Real: 7 Cheap Ways to Overcome Your Lockdown Blues

It’s been a year since the entire country was first placed on community lockdown in an attempt to contain COVID-19. With the pandemic still looming above our heads, it’s hard not to feel the quarantine fatigue creeping up on everyone’s mental health. Are you struggling to overcome your lockdown blues? Don’t worry, you’re not alone. Fortunately, there are ways to give yourself a break in these trying times without breaking the bank. So roll up your sleeves and change your outlook with these tips.  How to Overcome Quarantine Fatigue Start a Workout Routine Price: Free, additional equipment will cost you more You would probably think moving your tired body is not an ideal way of overcoming your quarantine fatigue. Working from home is now a weak excuse to lead a sedentary lifestyle. If you haven’t started a workout routine after a year in lockdown, start now!  Aside from boosting your physical health, exercise can help you improve your mood and overall well-being[1]. If you’re feeling inspired, you can buy additional workout equipment to recreate a gym environment at home. So get up and start moving already! Treat Yourself to a New Meal Price: Depends on the meal or recipe Tired of the quarantine meals you’ve been preparing for a year now? Go treat yourself to new meals at least twice a week. You can check out your food delivery apps for new restaurants to try and you’ll even discover exclusive promos in the process.  And if you still insist on preparing your own meals, you can take inspiration from thousands…

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Metrobank Credit Card Application: A Beginner’s Guide

Looking for your next credit card? Whether you’re a rookie or a veteran cardholder, Metrobank’s diverse roster of credit cards will surely excite you in more ways than one. Want to try your luck? All you have to do is follow this Metrobank credit card application guide and you’re all set. Metrobank Credit Card Application Steps 1. Check If You’re Eligible for a Metrobank Credit Card Just like with other credit card providers out there, you should check if you’re eligible for a Metrobank credit card. Here are the following criteria you should be able to meet: At least 18 to 70 years old Filipino or foreigner with local residence Must be employed for at least 6 months Must be at least 2 years in business for self-employed 2. Prepare the Metrobank Credit Card Requirements If you’re eligible, you can now start your Metrobank credit card application journey. The next thing you should do is compile all the necessary requirements and make sure all are accounted for before sending your application. You need to have one or two of the following valid IDs: Driver’s license UMID or SSS ID Passport PRC ID TIN ID If you are employed, prepare any of the following: Latest Income Tax Return (ITR) Copy of BIR Form 2316 duly signed by the employer 3 months latest payslips Certificate of Employment (COE) If you are self-employed, prepare the following: Latest Audited Financial Statement (AFS) Latest Income Tax Return (ITR) If you are a foreigner residing in the Philippines, add the following documents: Proof of Income or…

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Brand New or Second Hand Car: Which is the Right Vehicle for You?

Prices of brand new cars in the Philippines have gone up, following the higher excise taxes imposed by the TRAIN or tax reform law. And with a global pandemic affecting everyone’s financial capabilities, it’s now easier to choose between a brand new or second hand car. Because of this, second hand car dealers are expecting more Filipinos to turn to the used car market, at least for the next three to four years. It makes sense—with a limited budget, your choices could as well be limited to the affordable options. Used cars are obviously the cheaper alternative, but is it really wise to buy a second hand car than a brand new one? Or is it the other way around? The right choice varies from one car buyer to another. Brand New or Second Hand Car: Comparing the Costs Before we split hairs between new and used cars, let’s find out what they’re worth first. Here are the top car models in the country and their corresponding prices derived from the latest figures from Autodeal. Toyota Wigo Brand New Price: PHP 568,000 – PHP 700,000Second Hand Price: PHP 310,000 – PHP 580,000 Arguably the most popular small car in the Philippines right now, Toyota Wigo has also become a popular choice for budget-conscious car owners. It is also relatively cheap when it’s brand new, which means you can expect more savings when you buy a used or repossessed one. Read more: Toyota Wigo vs. Hyundai Eon: Choosing the Ideal Mini Hatchback Toyota Vios Brand New Price: PHP 681,000 – PHP…

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Digital Banking in the Philippines: Everything You Need to Know

“The reality is that nobody wants to spend time on banking, especially when it means taking time to visit the bank branches and waiting in line,” ING Bank’s Head of Retail Banking Mohamed Keraine said in an interview [1]. This is where digital banks in the Philippines come in. In a recent McKinsey study, researchers found that only 14% of Filipinos with bank accounts are taking advantage of their respective banks’ online capabilities. The researchers attributed this to the country’s lack of initiative in providing a digital banking experience. But banking institutions should stay optimistic. In the same McKinsey study, they found that 65% of the respondents will consider opening an account with a trusted digital bank. While traditional banks relied on online banking websites and apps to make banking easier, they are without their limitations. These limitations brought us to the technology we have right now: digital banking. As a flashy new tech, digital banking will definitely be a challenging concept to explain to the common Filipino. To help educate the masses, here’s a primer on how digital banks in the Philippines are changing the way we bank. What is Digital Banking? In a nutshell, digital banking allows you to do all banking transactions right on your smartphone. It sounds too simple, but that’s pretty much what it is. Download the bank’s app, open a bank account, deposit money, and manage your account at the comfort of your home. By containing the entire banking process on a single app, digital banking aims to make banking more accessible than ever. Here…

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Tonik Digital Bank: Your Guide to Neobanking in the Philippines

The cashless revolution in the Philippines is in full force with the recent arrival of Tonik Digital Bank, the country’s first digital-only bank. It is also our first introduction into the concept of neobanking, the supposed future of banking. The brazen newcomer promises better interest rates and an even easier application process compared to other digital banks in the Philippines. But that begs the following questions: What is neobanking? How does it compare to digital banking? How good are the interest rates? And how exactly do I get my hands on Tonik? Luckily, there is enough space in this helpful guide to answer all those burning questions. What is a Neobank? Neobanking is the newest way to go about your banking needs in the digital age. For starters, a neobank is a digital-only virtual bank that offers financial products and service 100% online with no physical branches. From opening an account down to applying for a loan, you do all your transactions with a neobank through your smartphone. Note that neobanks aren’t viewed as traditional banks. Instead, they are considered financial technology firms that partner with financial institutions to provide a more accessible approach to banking. Because they don’t operate as banks, they can focus more on improving the overall experience like cutting down fees and offering higher interest rates. But since they’re not considered traditional banks, neobanks offer a limited number of financial products compared to traditional banks. They usually offer savings and checking accounts, money transfer and payment services, and financial education tools, among others. Neobanks vs. Digital…

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9 Useful Features Your Credit Card Should Have

You’ve reached the point in your life when you’ve finally recognized the importance of having a credit card. Congratulations! Now it’s time to determine which credit card to choose. If you’re still undecided, a good way to start is to prepare a wishlist for the perfect credit card. To help you out, here is a list of useful credit card features you should expect from your card. 9 Useful Credit Card Features to Have EMV Chip Fortunately, your credit card is guaranteed to have the Europay, Mastercard, and Visa (EMV) chip technology embedded in it after all banks deactivated all non-EMV cards in 2019[1]. So what’s so special about the EMV chip? Compared to magnetic stripe technology, EMV chips have become the global standard for securing payment transactions.  If you check the anatomy of a credit card, you will see the chip embedded in its face. This is where your personal information is stored. Once the EMV card is used in an EMV-enabled terminal, the chip generates a One-Time Password (OTP) to verify the transaction. This prevents various card-related fraudulent activities like ATM skimming and counterfeiting.   One-Time Password Speaking of OTPs, this is one of the most useful credit card features out there. Aside from verifying payments, OTPs can also be used to verify fund transfers, online banking app logins, and personal information updates, among others. Your OTP will be sent to your mobile number so be sure your information is always updated. Also, don’t share your OTP to anyone. Read more: 8 Credit Cards with Easy Application Requirements Contactless…

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6 Traffic Laws to Remember When Driving in the Philippines

Traffic laws in the Philippines are meant to ensure not just an orderly flow of traffic and discipline among motorists but also the public’s safety on the road. We have laws that require wearing motorcycle helmets and seatbelts and ban people from driving when drunk and while using their phones. The question is, do you know them? You should at least know what laws are responsible for keeping the peace and order on the road. Check out this refresher if you think you need to review some of the driving laws in the Philippines. Traffic Laws in the Philippines You Need to Remember Land Transportation and Traffic Code What is RA 4136? It is arguably the most important driving law ever enacted. Republic Act 4136, also known as the Land Transportation and Traffic Code[1] laid the groundwork for all the traffic regulations we have today. Plus, it also created the Land Transportation Commission in the Philippines, currently known as the Land Transportation Office. RA 4136 required all motor vehicles to be registered in a national registry. It also set the registration requirements and fees for every car owner. Aside from that, this law also required drivers to apply for a professional and non-professional license. RA 4136 also set the penalty fees for failing to comply with the commission’s registration and licensing requirements. In terms of traffic regulations, RA 4136 set the legal speed limits for every driver to follow. Here is a list of speed limits for all vehicles: RA 4136 also set the penalties for the following traffic violations:…

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How to Get a TIN ID in the Philippines: A Complete Guide

Being a taxpayer means understanding the importance of contributing a portion of your earnings for the betterment of the country. As proof that you’re a taxpayer and a responsible member of society, you can request a Tax Identification Number (TIN) ID from your nearest Bureau of Internal Revenue (BIR) branch. But how to get a TIN ID, you ask? It’s not as difficult as you think. Sure, the process can get tricky with all the forms you need to keep track of. Not to mention the TIN card itself isn’t as necessary as other government IDs.  But if you need a valid ID that you can easily get within a day, then this ID is a must-have. Here are the steps on how to get your TIN ID. General TIN ID Requirements Before we proceed to the steps on how to get a TIN ID, you need to prepare the following TIN ID requirements,[1] especially if it’s your first time to register as a taxpayer. Note that the TIN ID application is free. Accomplished BIR registration form[2] (either 1902 or 1904) One valid ID PSA-issued birth certificate Community Tax Certificate 1×1 picture (if applicable) Marriage contract (if applicable) Read more:  What Happens If I Don’t Pay My Taxes? Inheriting Property? Learn About Estate Tax in the Philippines First Where to Get TIN ID  Can you get your TIN ID in any BIR branch? No, you can’t just go to any branch for your TIN ID application. Each taxpayer in the Philippines is assigned only one Revenue District Office (RDO) with…

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Get Your Grub On with these Credit Card Dining Promos for 2021

Your credit card experience just won’t be complete without availing a credit card dining promo every once in a while. That’s why you should always keep your ears on the ground for the latest offerings from your credit card provider. To make the process easier for you, here are the best dining promos you can enjoy in 2021. Credit Card Dining Promo Offers from Citibank Up to 50% off at Alba Restaurante Español Eligible cards: All Citibank credit cardsPromo period: February 1, 2021 to July 30, 2021 Looking to save money on your next dine out? Grab your Citibank credit card and head down to Alba Restaurante Español[1] today. Get 50% off on dine-in transactions at the Prism Plaza branch with a minimum purchase of PHP 2,000. You can also get 15% off at Estancia, Makati, Morato, and Westgate branches with a minimum order of PHP 5,000. 10% off on Fridays to Sundays at Foodpanda Eligible cards: All Citibank credit cardsPromo period: February 26, 2021 to February 20, 2022 Save more on your weekend food delivery with this credit card dining promo for 2021. Just spend a minimum of PHP 800 and use promo code CITIFRIYAY when you’re booking your order from Foodpanda to get 10% off. Because you don’t have to splurge your savings to satisfy your cravings. 2 Yellow Cab Pizzas for Only P449 Eligible cards: All Citibank credit cardsPromo period: Until December 31, 2021 Craving a Yellow Cab pizza? Grab this Buy 1, Get 1 promo[2] using your Citi credit card! Order two 9-inch pizzas (New York Classic/Hawaiian/BBQ Chicken/Cheese) and pay only PHP…

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Ranking the Most Fuel Efficient Cars in the Philippines for 2021

Looking to buy a car? Don’t just look at the price, the model, the color, and the size. Is the car you’re eyeing among the fuel efficient cars in the Philippines? With the rising fuel prices, fuel economy has become the most important factor in choosing a vehicle these days. The less fuel a car consumes and the farther distance it covers per liter, the better it is for your wallet. Buying a fuel efficient car means less frequent trips to the gas station and more savings on fuel expenses. Here are the best-performing vehicles in terms of fuel economy. Top 18 Fuel Efficient Cars in the Philippines 1. BMW X1 xDrive Fuel Economy Rating: 34.8 km/L Vehicle type: SUV Fuel type: Diesel Transmission: Automatic Vehicle price: PHP 3.89 million A recent eco run[1] proved just how fuel efficient the BMX X1 xDrive can be by clocking in at 34.8 km/L. This luxury vehicle is built for fuel efficiency with its BMW Efficient Dynamics Technology, TwinPower Turbo engines, and lightweight, aerodynamic design, making it one of the most fuel-efficient SUVs in the Philippines. Read more: How To Insure Your Souped-up Car The 5 Fastest Cars You Won’t Own (Yet) 2. Ssangyong Rodius Fuel Economy Rating: 33.12 km/L Vehicle type: Multi-purpose vehicle (MPV) Fuel type: Diesel Transmission: Automatic Vehicle price: PHP 1.69 million Ssangyong may not be as popular as other Korean brands like Kia and Hyundai, but it’s actually the fourth largest car manufacturer in Korea. It also has one of the most fuel efficient cars in the Philippines[2]—the nine-seater…

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Avoid These Types of Toxic People When Saving Money

You’ve heard a lot of people tell you the importance of saving money. You’ve read a lot of articles on how to save it, too. Personal finance has become more accessible than ever but for some reason, saving money is still easier said than done. Perhaps because you’re surrounded with different types of toxic people without you knowing it? Similar to losing weight, saving money is a commitment that requires discipline and hardwork to successfully pull off. And in the process, you’ll have to avoid certain types of people the way you have to avoid certain types of food. Here’s a quick guide so you can start saving today.  Types of Toxic People You Need to Avoid Your Kalabit-Penge Friend Think about it: the concept of having a needy friend has been ingrained in Filipino culture that it has its own term. At one point, you were friends with someone who only hangs out with you when you’re loaded. The kalabit-penge friend usually asks you for a lot, ranging from food to even money. Those harmless “Libre ka naman!” quips could end up costing you.     So if you’re still friends with someone with the same MO, send him or her a big FO and GTFO as far away as possible. You don’t need a leech when you’re planning to save as much money as possible. Prioritize avoiding these types of toxic people who will surely derail the financial plans you’ve made. Instead, spend more time with friends you trust the most. Read more: What Type of Spender Are You? Discover…

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4 Signs You Need a Personal Loan in 2021

Borrowing money in the Philippines is usually associated with crippling debt and mishandled finances. But nowadays, applying for a loan has become a common way to reach everyone’s financial needs and goals. Even if you don’t need it, you should always consider when to get a personal loan if the need arises. Because admit it or not, everyone could use it. In fact, the Bangko Sentral ng Pilipinas has encouraged lending as a way to shake up the economy during the pandemic[1]. So if you want to know if you need a personal loan, take a look at these tell-tale signs. Signs That Will Tell You When to Get a Personal Loan You’re Transitioning from One Job to Another Starting a new job this year? Congratulations! It’s great that you still found a better opportunity in the midst of a pandemic. But depending on the company you’re moving into, you probably won’t receive a proper salary for one whole month. Unless you have other people to borrow money from, applying for a personal loan is a good temporary source of income.  If you don’t have an emergency fund, you should apply for a personal loan right before you leave your current employer. That way, you can still submit the proper requirements to apply for a loan while making sure you still have money for that one-month drought. And once you receive your first paycheck, make sure to prioritize your debt over unnecessary expenses. Read more: 10 Sulit Ways to Use a Cash Loan in the New Normal You Feel Like…

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Car Loan Negotiation Tips to Help You Save on Monthly Payments

Planning to buy a car this year? Unless you have lots of cash, you will have to rely on a car loan to finance your big purchase. That means you should know how to negotiate a car loan and make it a lot easier for you to pay what you owe. After all, it will take years to do so. You’ll need all the help you can get. But fortunately, you can easily juggle car loan payments as long as you properly manage your finances. So how can you make owning a car less of a financial burden? Here are some few tips on negotiating lower car loan payments. Tips on How to Negotiate a Car Loan Rely on a Good Credit Score If you’re planning to negotiate your car loan payments, you better have a good bargaining chip in the form of a good credit score. Before you apply for a car loan, make sure to build a stellar credit history to increase your chances of getting a lower interest rate or higher loan amount. To find out what your credit score is, you can request a credit report from the Credit Information Corporation[1] by scheduling an appointment online via their website or the CIBI App for Android users. If you have a low or non-existent credit score, start building your credit history today. Get a Loan From Your Bank You probably have a long-standing account with any of the major banks in the Philippines. If that’s the case, you should apply for a loan from your most trusted…

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10 Metrobank Credit Card Promos You Shouldn’t Miss

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 in 2021. 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. Metrobank Credit Card Promos 2021 for New Cardholders Rainy Day Rebates Acquisition Promo Eligible Cards: All Metrobank credit cards (except Metrobank Dollar Mastercard, Corporate Card, Commercial Card, Puregold Mastercard, and M Free Mastercard) Promo Period: Until February 28, 2021 Thinking of applying for a Metrobank credit card? Do it before February 28, 2021 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 5,500. PHP 500 Rebate Supplementary Card Promo Eligible Cards: Metrobank World Mastercard, Metrobank Peso Platinum Mastercard, Metrobank Travel Platinum, Metrobank Femme Signature Visa, and Toyota Mastercard Promo Period: February 1, 2021 to December 31, 2021 If you’re planning to apply a supplementary card for someone you love, you should definitely do it this year. Celebrate your loved one’s new supplementary card with a PHP 500 cash rebate for every approved card[2]. Now that’s one way to share your finances. Metrobank Credit Card Promos 2021 for Dining 50% Off at The Lounge of Grand Hyatt Manila Eligible Cards: All Metrobank credit cards Promo Period: Until March 31, 2021 Satisfy your sweet…

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Best Credit Cards for Money-Savvy Students in the Philippines

Who says credit cards are for adults only? Students like you can also get a credit card of your own. No need to bother your parents for additional allowance. You can practice financial responsibility as early as now by checking out these credit cards for students in the Philippines. But before you go shopping for credit cards, you should know the types of cards you can apply for as well as the requirements you will need to submit. So take the time to read this guide before deciding on the right credit card for a student like you. Can a Student Apply for a Credit Card in the Philippines? It would be awkward if the answer is no, wouldn’t it? But yes, it is possible for students to apply for a credit card. There are various ways for you to get a credit card and while they don’t require a steady income, having one will certainly help your chances of approval. But the question is do you really need a credit card? If you’re going to use it just for shopping, forget it. A credit card is not a free ticket to spend recklessly. Only apply for one if you don’t have enough allowance and you don’t have a high-paying part-time job to make ends meet. How to Get a Credit Card for Students Before you compare credit cards, find out what types of credit cards you can apply for as a student. Supplementary Cards The easiest way to get a credit card as a student is to ask a…

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