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Credit Card Application

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DESCRIPTIONS:

The credit card is an essential addition to your money handling tools, which enable you to pay for products and services easily without having to use cash. After deciding which bank you are getting a credit card from, it is time for you to fill out the credit card application form.

Applying for a credit card requires you to accomplish a few important requirements including the application form and proof of identification and documentation about your flow of income (i.e. your pay slip). Nowadays, it is possible to apply for a credit card online if you do not have time to go to a bank. Whether you are applying in person or via the internet, there a few things you must keep in mind before you complete the application process.

For starters, be familiar with the following:

  • Finance charge: the amount you have to pay for credit.
  • Annual fee: similar to a membership fee. Some credit card companies do not include this.
  • Grace period: the amount of time where you can pay your dues without being asked for a financial charge.
  • Fixed rate: the finance charge’s fixed annual percentage rate given yearly.
  • Annual percentage rate: finance charge’s yearly percentage rate.
  • Introductory rate: a temporary and lower annual percentage rate which goes on for a few months.
  • Variable rate: a varied prime rate in addition to the additional percentage.

Be familiar with the annual percentage rate or APR and the perks mentioned in your credit card application to be sure if they are up to your standards and purposes for using a credit card. It is also possible to have your credit card application approved within minutes if your credit score is good and if you are able to submit all the requirements.

Finally, when signing up for a credit card online, ensure that the website is secure with the latest data encryption technology so no third party can view your sensitive information. CitiBank, HSBC, and BPI are among the banks in the Philippines capable of processing online credit card applications. And if the bank demands that you show up to them for proof of identity, be sure to bring valid identification to complete your credit card application.



Featured Credit Cards:

CITI BANK GOLD CARD


FEATURES:

  • Get privileged service anywhere around the world when you travel with Citibank Gold Card!
  • >Pay an annual fee of Php2500 for your primary card and take advantage of a credit line higher than you imagined!
  • Avail of Rewards point for every Php30 spent with your credit card.
  • Travel the world with no worries with Travel Inconvenience Protection available for all card holders just by paying your ticket in full making use of the Citi Gold Card!
  • Relish on Cash Advance Service of only Php500 or 3% whichever is higher…
  • Avail of 24/7 customer service wherever you maybe!

GOLD CARD ! The BPI Credit Card for the Exec!


FEATURES:

  • Pay an annual fee of just Php2250 for your BPI Express Credit Gold MasterCard!
  • Avail of a finance charge of 3.4%
  • Travel anywhere you want ad get FREE travel insurance of up to Php1000000 once you charge your fare to your BPI Express Gold Credit Card!
  • Shop in more than 30 million establishments here and abroad and enjoy lots of discounts and perks!
  • Convert your foreign purchases into pesos with no processing fees
  • Purchase high ticket item with no worries with the S.I.P. facility available with your BPI Express Credit Gold MasterCard!

PNB Visa Credit Card


FEATURES:

  • Apply for a PNB Visa credit card and the first year’s annual fee is FREE!
  • The PNB Visa Credit Card allows you access to over 25 million establishments all around the world!
  • Need cash? There is no need to worry as PNB Visa Credit Card lets you have cash advance anytime of the day at any PNB ATM outlets near you for emergencies!
  • Avail of financial flexibility and pay for as low as 5% of your whole purchase with their Easy Payment Terms and Installment Plans!

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:

Featured Article

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 comprecreditcards.com.ph 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…