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Credit cards are trendy and popular among Filipinos. Anybody practically has one because it’s convenient. Remember the time when you had to make an emergency purchase and you don’t have any cash with you? How about the feeling of having your credit card being swipe through the machines in one of your favorite stores? Credit cards come in handy these days at the time when the economy is suffering from recession. It’s very practical to have one or two credit cards—depending on your needs and wants.

Credit cards enable you to purchase items in a jiffy without having to worry about paying it on the spot. It’s also better than carrying a bagful of cash for safety reasons. It’s less hassle to write a check.

It’s convenient to purchase items with the plastic cards on your hands. The trend now is purchasing airplane tickets online and using credit cards as mode of payment. Major airlines such as Cebu Pacific or Philippine Airlines have discounts and promos often so you have to be fast in availing them. Some shoppers prefer online shopping at Ebay, Multiply and other online boutiques. Their purchases give them the luxury of having their items delivered to their doorsteps. Even bookstores such as National Bookstore, Powerbooks or Fully Booked now follow the same trend. It’s the new era of shopping. Although there are still a few who prefers going inside the stores to purchase items to their hearts content.

However, credit cards users have to be wise so they don’t end up paying more than what they bargained for. Read and understand the fine print of the credit card you are using. Acquaint yourself with the terms use such as finance charges, credit limit, minimum dues and total amount dues. Understanding the definition of these terms prevent credit card users from going into huge debts. The terms and conditions are also important because it provides information on the proper usage of credit cards.

Most people write down their daily purchases. It helps them keep track where their money goes to. Also, keep receipts and billing statements in case there are discrepancies from credit card companies.

Having a credit card also comes with responsibility so it’s important to know how to use it properly. Due dates for credit cards bills are better paid on time and in full. There are some who charge a percentage of the minimum payment. If you don’t have enough cash to pay in full then give as much as you can instead. Also prioritize paying for the credit card bill with the highest interest rate.

These days, credit cards are for everyone who knows how to use them properly. Researching on what banks has to offer is crucial to finding the right one that fits you and your lifestyle.

Featured Credit Cards:

PNB Astra Secured Kredit (ASK) Card


<li><span style="font-size: x-small; line-height: 11px;">Apply for a credit card and the first year&rsquo;s annual fee is FREE!</span></li>
<li><span style="font-size: x-small; line-height: 11px;">The PNB ASK Card allows you access to over 25 million establishments all around the world!</span></li>
<li><span style="font-size: x-small; line-height: 11px;">Need cash? There is no need to worry as PNB ASK Card allows you to have a cash advance anytime of the day at any PNB ATM outlets!</span></li>
<li><span style="font-size: x-small; line-height: 18px;">Avail of financial flexibility and pay for as low as 5% of your whole purchase with their Easy Payment Terms!</span></li>



  • Earn rebates for your card that is up to Php2000!
  • Get a special 1% rebate via cash coupons for all MERALCO residential accounts
  • Relish on an interest rate of just 3%
  • Go for a practical lifestyle as BDO MasterCard Home through EasyPAY Installment programs!
  • Acquire up to 50% Cash Advance Limit!
  • Enjoy a variety of discounts, promos and perks with BDO MasterCard Home!

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! 



&lt;li&gt;Global Reception. Shop and travel around the world with your EastWest Bank Credit Card and enjoy unlimited control in almost 30 million international establishments all around the world.&lt;/li&gt;
&lt;li&gt;To keep your foreign currency intact, all purchases you have, whether they may be local or international, will be funded in the Philippine peso.&lt;/li&gt;
&lt;li&gt;Enjoy Finance charge of 3.50% per month&lt;/li&gt;
&lt;li&gt;Cash advance of 5% or Php300 whichever is higher&lt;/li&gt;
&lt;li&gt;Avail of the Free Family Accident and Dismemberment Protection&amp;nbsp;&lt;/li&gt;

Featured Articles:

Featured Article 4

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…