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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:

Mabuhay Miles VISA Platinum


  • Annual fee of Php5000 and Php2500 for the supplementary cardsEarn free miles with everything you buy.

  • Get insurance for up to Php20,000,000 for your whole family when traveling anywhere.

  • Earn 1 point for just Php35 worth of purchase.

Citibank Rustans Credit Card


  •  Pay an annual fee of just Php2500 and enjoy 2% rebate on all Rustan purchases!
  • Transfer your old account to your new Citi Rustan’s Card absolutely for FREE!
  • Relish on a Cash Advance Rate of 3.50%!
  • Get a Cash Advance Service fee of Php500 or 3% which ever is higher!
  • Go over your credit limit of over Php500! 



<li><span style="font-size: x-small;">Pay an annual fee of Php1500</span></li>
<li><span style="font-size: x-small;">Transfer your balance with just 1.25% to your new account</span></li>
<li><span style="font-size: x-small;">Avail of cash advance of up to 3.50%&nbsp;&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</span></li>
<li><span style="font-size: 15px; line-height: 17px;"><span style="font-size: x-small;">Get finance charge of 3.50%</span></span></li>

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Like majority of things in life, credit cards give us power that we could use to maximize our way of living. We should learn to use it wisely to avoid any hassles in the future.

But what are really the advantages of having a credit card? We, at, did a survey about the merits of having a credit card and you will be surprised at what came out…

It is a lot easier to buy things with a credit card. It gives you purchasing power that can let you buy things without you having to carry huge amounts of cash around.

You get added security if in case something you bought got lost, stolen or damaged. With both your credit Card Company and your credit card statement guaranteeing you made the purchase, you could actually get insurance on whatever you bought.

Having a good credit history not only helps you apply for a new credit card, but also helps you build a solid financial foundation when applying for other things like loans or sometimes even jobs.

Although we should avoid any expenses that is way out of our budget, it is sometimes unavoidable due to emergencies like fire, floods and the like. But the worst thing is it leads to large purchases in huge amounts of money. With a credit card, you can use money with cash advances and worry about paying it later once you’re back on track.

In addition to those, a credit card also presents further benefits like discounts, free air miles and insurances. But you have to remember that credit card companies start making money once you can’t afford paying off your charges!

The benefits of having a credit card are real and are very helpful on the condition that you take into account your spending limits.

Life is made easier with a credit card, but if used unwisely, they become financial break downs for you. If you do decide to get yourself a credit card, keep in mind these following rules:

  • Track all of your purchases.
  • Never spent beyond your budget.
  • Settle your balance at the due date.

Always bear in mind the responsibility of having a credit card. Spend within your budget and use it wisely.