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Banco De Oro

Banco De Oro

Banco De Oro Unibank, Inc. (BDO) has proven its strength over the years as one of the leading banks in the Philippines. It is owned by Henry Sy, the SM mall magnate in the country. BDO is stable and convenient. It has numerous branches across the country—Luzon, Visayas and Mindanao.

BDO provides their clients convenience because there are a lot of branches nationwide. Banking hours are longer compared to most banks in the country. Their branches are found in malls or other commercial areas so it’s easy to do your banking business anywhere and anytime. They also offer internet banking so you can check your bank details or payments on line through their official website. Furthermore, BDO accepts MasterCard, Visa, and JCB cards.

They have a wide array of credit cards such as BDO MasterCard, Black MasterCard, Gold MasterCard, Titanium MasterCard, Platinum Mastercard, Shopmore and Virtual Card.

BDO MasterCard fits your lifestyle because of the low interest rate of 3 percent, 50 percent cash advance limit, EasyPAY installment programs and other perks. The Black MasterCard, on the other hand, allows you to earn 1 rewards point for every P50 charge your credit card earns. The accumulated points are redeemable. You can choose from gift certificates, travel packages, gadgets, etc. Another perk is you may use your points to waive your monthly or annual membership fees. The Gold MasterCard allows you to spend at least P180,000 a year. The annual membership fee is automatically waived. There are five supplementary cards for Gold MasterCard holders. The first supplementary card is free while the others are free for the first year. BDO Titanium MasterCard is suitable for jetsetters because of its flexible spending capacity. Whether it’s for business or vacation travel, it provides you the convenience that you need. It has dual currency feature, flexible credit limit, dual billing, minimum payment options, installment plans, balance transfer, cash advance and most importantly, it is accepted worldwide.

BDO Mastercard Shop More is great for shoppers because it also provides credit card users free SM Advantage Card. You can earn rewards points at SM malls when you use your credit card. There are a wide variety of SM products you can redeem from the points you earned. Moreover, BDO Virtual Card has all year round exclusive perks that is open to all BDO Gold credit cardholders. The minimum transaction amount is P 3,000.

Also, they have the BDO Rewards card (Emerald, Ruby, Sapphire and Diamond) apart from the SM Advantage. The higher points you earn, the higher level of card you’ll be given. Emerald is given to those who got 1,999 points and below. Ruby is for card holders with 2,000 to 3,999 points. Sapphire is for those with 4,000 to 5,999 points. Diamond is for card holders 6,000 points and above. You can earn the points at any SM establishments or affiliates such as SM Department Stores, Kultura, Watsons, Ace Hardware, Ace Builders, Makro, Savemore, and Hypermarket. If you purchase items from Adidas, Our Home, Toy Kingdom, Factory Store outlet, Triumph, Levis and other affiliates stores, you’ll also earn points. Even Petron, Taal Vista Hotel and Asia Pacific College are included. You can get restaurant discounts, invitation to pre-selling real estates, hotel discounts and other perks from earning points.

BDO has a variety of credit cards for each and every individuals—depending on their lifestyles. There are a lot of options for everyone to choose from.



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KEEPING AWAY FROM CREDIT CARD PROBLEMS

Once used properly and efficiently, credit cards are handy and suitable devices for just about anyone who is of age. It can even assist you with upcoming activities like buying a house, getting another degree and sometimes going for a leisure trip somewhere abroad with family and friends. Before you allow your teenager or yourself to get a credit card, know some of its advantages and understand some of its procedures.

A credit card can allow you to bUy products or services which you need right now but can’t afford to pay all of it at once. Sometimes it’s often the single way to pay for hotel accommodations, car rental fees or airline tickets.

Credit cards also allow it holders to purchase items over the phone or sometimes in the internet. You can shop and pay your monthly bills in the convenience of your very home! Some credit card companies offer virtual banking that lets you shop and transact business online.

It is also safer to carry a credit card than to carry cash around wherever you go. For the most part, credit cards are very useful in instant emergencies like accidents, car breakdowns or calamities.

You could actually even give anything you purchase protection, avail of travel insurances, free miles and even cash back bonuses if you charge your transactions with your credit card.

One fact is for sure; having a credit card is convenient at times but also remember that a credit card tempts you to spend money you don’t have. Always have the sense to follow up on your credit card to avoid overspending which can give you a big headache in the future. Use your credit cards in ways that you benefit from them, not them benefiting from you!

Understand what you’re getting into before you start building up credit card balances. Once used wisely, they are an absolute help in budgeting. But if not, they will turn up to be your greatest nightmare.