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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:

UNIONBANK CLASSIC CREDIT CARD


FEATURES:

<ul>
<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>
</ul>

HSBC Classic and Gold Credit Card


FEATURES:

  • No worries with your annual fees because the initial year will be for free for both the primary and supplementary card holders.
  • Get 1 Rewards point for every Php10 you make!
  • Pay less as you buy more with HIP!
  • Need assistance at the middle of the night? Relax as HSBC Classic and Gold Credit Card has 24/7 customer service ready to help you with everything you need.

EASTWEST BANK PLATINUM MASTERCARD


FEATURES:

  • Get FREE LIFETIME MEMBERSHIP!
  • Delight in your ability to shop anywhere in more than 300 countries with almost 30 million establishments.
  • Finance charge of only 3.75% a month!
  • Cash advance of 5% or Php300 whichever is higher
  • Share your power to purchase to special people by requesting supplementary cards with the annual membership fees waived perpetually.

CITI SILVER MASTERCARD AND VISA


FEATURES:

  • Pay an annual fee of Php1500 for your primary card!
  • Go over your credit limit and pay for just Php500 or 3% whichever is higher!
  • Enjoy a finance charge rate of 3.50%
  • Earn rewards points with every Php30 spent with your Silver Card!
  • Travel with comfort with Travel Inconvenience Insurance provided by your Silver Card when you buy your plane ticket!

Featured Articles:

The Story of Allied Bank

With a continuously evolving world, Allied Banks’ Mission remains constant. Formally known as Allied Banking Corporation, Allied Bank is one the overall largest banks in the Philippines who in terms of assets rank tenth. The other being the United Coconut Planters Bank, Allied Bank is one of the two universal banks in the Philippines that could not be traded to the Philippine Stock Exchange.

Under the laws of the Philippine Republic, Allied Bank was incorporated on April 11, 1977 and awarded by Bangko Sentral ng Pilipinas the Certificate of Authority to run as a commercial bank on May 20, 1977. December 1981, they were granted permission to operate as a universal bank or an expanded commercial bank.

Since December 31, 2007, Allied Bank was the country’s 10th largest in terms of net worth and the 9th largest private domestic commercial bank in terms of total deposits.

Because of Allied Bank’s yearning to provide its cardholders their needs they have created ground breaking services and products that will surely satisfy any customer craving. Allied bank is now delighted to offer their clients the latest and upgraded Allied bank MasterCard Credit Card.

With this new innovation, cardholders are granted the chance to take in enjoyment in both the premium and essential side life offers like dining in fantastic restaurants, shopping in exclusive stores or having that awesome vacation you have always dreamed of.

What’s more, you get to have all these while getting lots of giveaways. Earn one (1) point for every Php50 transaction to redeem them for either free gifts, services, cash points and even Miles.

More than anything else, anyone wants the world to be on the palm of his hand. Allied Bank is here to assist you with getting the life you deserve.

In short, the Allied bank MasterCard Credit Card is here to make everything about life more precious.