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CITIBANK in the Philippines

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DESCRIPTIONS:

After more than 100 years of banking service in the Philippines, CitiBank is still one of the largest overseas commercial bank in the country in terms of assets, customers, revenues and domestic branches. It steadily ranks as one of the top five commercial banks in the condition of profitability and is among the top ten in terms of assets, loans and deposits.

You can choose from any of their seven credit card offers that give you a lot more than you have bargained for. If you love traveling with friends and family you can be assured of first class service anytime, all the time. It will also provide you with big discounts whi le shopping not just in the Philippines but also abroad.

Ever been embarrassed about not knowing if your balance is still enough for your purchase? Well, thanks to Citi Bank, you can now check your available balance on your credit card just by texting. They are the ones responsible for SMS banking wherein credit card holders can make charges, inquire about their existing balance and find out the amount or due dates of different bills. Citi Bank was the first to offer this kind of service in 2008.

With Citi, you can receive emails and SMS for free about your different purchases thus helps you avoid going over your credit card limit. You can even view your Rewards points plus redeem your special gifts online.

Guess what, you don’t have to suffer the thought of having to go through different processes just to get a credit card of your own. In Citi Bank, you can apply online anytime and anywhere you are.

Want more great news? You can actually acquire all your credit card statements via email in 5 business days compared to the others. You not only save on paper. You also do away with those piles of paper with your credit card statements.

All in all, Citi Bank Credit cards offer its clients the benefits of relishing a life of comfort. With varied online features with an extensive arrays of expedient and reliable services obtainable with just a click away, nothing is impossible even if you’re away from home.



Featured Credit Cards:

MetroBank M Free MasterCard


FEATURES:

  • NO ANNUAL FEE FOR LIFE!
  • Avail of finance charge rate of just 3.50%
  • Transfer your balance to your new Metrobank M Free MasterCard with just 0.79%
  • Get cash whenever you need it with Php300 or 3%, whichever is higher!

RCBC Bankard Diamond Card


FEATURES:

  • Finance Charge: 2.75 %
  • Balance Transfer Rate: 1.488% (6months)
  • Annual fee of only Php2,500
  • Cash advance service fee 300% or 5%, whichever is higher

MABUHAY MILES PLATINUM CREDIT CARD


FEATURES:

  • Get free Miles with the lowest point conversion ever to hit the market with only Php38!
  • Gain access to your credit card account anywhere in the world!
  • Enjoy as much as 30% of your credit limit in My Ally Instant Cash
  • Also enjoy a revolving Interest Rate of only 3.25%!

HSBC Premier Credit Card


FEATURES:

<ul>
<li>Perpetually waived annual fee for the Primary and supplementary cards</li>
<li>No worries as you shop, dine and travel with the HSBC Premium Credit Card because it is accepted in 24 million establishments worldwide.</li>
<li>Earn 1 Rewards point in every Php5 spent and use these to redeem one of a kind Rewards Item.</li>
<li>Lost your card? HSBC will replace it for you the next day with emergency cash advance of $2,000.<span style="mso-spacerun: yes;">&nbsp;&nbsp; &nbsp; &nbsp;&nbsp;</span></li>
<li>Relish on magnificent discounts when dining, shopping or just going around the world for fun in over 40 countries and territories.</li>
<li>Share the benefits of being an HSBC Premier Credit Cardholder and still manage their spending.</li>
</ul>

Featured Articles:

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.