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Choosing a Credit Card

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Having your first credit card marks a step on your financial independence – a “privilege” that most consumers desire. However, you need to ensure you are getting the right credit card so you can make the most of your credit line without overextending your finances. Choosing a credit card is easy: You just have to consider your overall financial standing, your needs, and most importantly, your age.

Credit cards for young adults

If you’re a college student or a young working professional, your finances could be tight. It will be wise for you to choose a credit card like you would choose your first bicycle — and end up with “training wheels.”

For starters, ask a willing parent to give you an extension of their credit card. Otherwise, you can go for a prepaid card, which is connected to your collateral money. With a prepaid card, you are basically borrowing your own money so you won’t be tempted to spend too much. This type of card is also ideal if you want to discipline yourself when handling your finances.

Credit card for people in their thirties

More financial responsibilities come when you are nearing your thirties. These may include paying a mortgage, paying for higher education, or expenses related to childcare. Because of several financial duties, you may find yourself relying mostly on your credit card to pay your way through life. Consider signing up for a credit card that lessens the after-effects of your spendings and debt. Check the fees and the interest rate – the lower, the better.

Credit card for people with stable careers

If you’re lucky and able to reach the peak of your dream career and save some money in the bank, you can make the most of your earnings with a good credit card. At this point in time, your main concerns may include business trips and vacations, enabling you to spend more time on the go. In that case, pick a card that offers mileage or travel rewards. Some credit cards also have special features that give you access to an exclusive airport lounge or provide you with concierge services during your trip.

Credit card for retirees

In your retirement years, you are likely to have a complete grasp of your finances. If you do not have huge debt, the rewards can help you make the most of the golden years by enabling you to go on a trip around the entire country or around the world. Still, remember you have to pay the bills at home. If that is the case, pick a credit card that can work together with your accounts (i.e. your checking account). If you just want to lay low, consider a credit card suitable for paying basic needs like groceries, home improvement, meals out, etc.

Featured Credit Cards:

BPI Credit Card – Express Classic


  • Pay for just Php1250 for your primary card!
  • Get the lowest finance charge of just 2.75%!
  • The BPI Classic card lets you shop and dine with friends and family anywhere since it  is accepted in 20,000 establishments nationwide!
  • Avail of FREE Travel Insurance Package when you charge your fare with the BPI Classic card.
  • Avail of BPI Express Classic card’s S.I.P. facility that lifts the problem with you paying high-ticket items by easy to pay installment terms!
  • Get cash advance for up to 30% of your credit limit!
  • Earn free miles with every Php35 worth of transaction charged to your BPI Express card!
  • Transfer your balance with just 1% add-on interest rate per month!
  • Enjoy 24/7 customer service anytime, anywhere!



  • Pay an annual fee of only Php3000 for the Principal card and Php1200 for the supplementary cards. But
  • worry not because the first year is actually FREE.
  • Cash advance limit of 30% of assigned credit limit in both the Peso and Dollar currency.
  • Pay only an interest rate of 3.25% a month

My Dream JCB


  • LOWEST annual fee of just Php800, compare and find out
  • Interest rate of only 2.75% per month
  • Cash advance of up to 2.5% of their account or Php500 whichever is higher.

RCBC Bankard MasterCard


  • Do anything you want, anywhere you want in any currency you want and pay them when your back home
  • Gain cash with RCBC Bankard MasterCard because it allows you as much as 30% of your credit limit.
  • Keep your mind at ease with 24/7 customer service anywhere from 20 countries in the globe

Featured Articles:

Featured Article 3

Ever thought of getting a credit card but don’t know where to start? For majority of cardholders we know, credit cards are terrific tools that certainly have very great advantages.

We at have surveyed many customers and here is what came out…

Its very handy payment. That’s the big thing, right? You don’t have to worry about being robbed or something because you don’t have that big cash with you. Even if you’re just making small purchases, it’s a big help. Plus, the fact that we are in the on-line shopping age, it’s a total must have.

On the spot loans. When you’re short of cash, a credit card will be there to save you from the embarrassment of not being able to pay as it will help you make up for your purchase. To avoid any fees, just pay your balance in full.

You have no idea as to where you’re spending your money? People have the tendency to say they don’t know where half of their money went. With a credit card, you can easily track your purchases on your monthly payments. So if you think your wife spent too much for the month, check on your bill, who knows, it might even be you…

It’s easier to pay off. It’s easy to pay credit card bills. All you have to do is find an ATM with your checking or an easy account transfer. Good news is you don’t have to wait a month to pay it off. And guess what, some even lets cardholders pay their bills ONLINE. So say goodbye long lines; Hello to convenience!

You get rewards.

Every time you make transactions you earn point or “rewards” that you can exchange for either gift checks, vouchers, exclusive items or maybe the cash back system. We’re not saying that you use your credit card non-stop to avail of these, but as a matter of fact, it is a nice bonus.

Very exclusive deals. How would you spell exclusive? Its “c-r-e-d-i-t-c-a-r-d”. Why? Because you get a lot of high class services that are only available for those people who hold the cards. Sometimes its discounts on products, dining and traveling first class. Remember the times when you really wanted to buy something and you were able to buy it because of the discount my credit card was able to give me.

We can go on and on with these, but nothing is really important than learning it by experience. Everything has its ups and downs. It’s up to you, as the card holder, to become responsible in how you manage your money. Look into the bigger picture of how credit cards make life easier and who knows you might just even love it. Just be responsible and a word of advice, pay your dues on time, all the time…