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How to Apply for a Credit Card

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Applying for a credit card is a wise move, especially when you are responsible enough to handle your expenses. There are many great benefits that one can get from credit, but it can also be a pain when your bills pile up and your spending is uncontrollable. Before considering availing of a credit card, assess your spending habits and how you manage your expenses.

There are a number of eligibility requirements that should be met before a credit card company or a bank approves of your application. There is also a wide choice of credit card options to choose from, depending on your preference. The first step in applying for a credit card is to explore your options, read about plans, credit rates, as well as their terms and regulations and see which kind of credit card fits you and your lifestyle.

There are also a lot of ways in which you can apply for a credit card. A paper application is one of the oldest and most traditional ways of application, while applying by phone is still pretty common. Today’s technology also gives way to online applications, which is considered more convenient and faster than the earlier methods.

There are certain things that you should take note of when choosing the right credit card, including features such as the interest rates, the credit limit, penalties, interest free days, APR, balance transfer schemes, cash advances, grace periods, and other offers as well as implied costs.

Most companies have preconditions for applying. They will require your including your social security system (SSS) number, driving license number, proof of address as well as proof for your date of birth. There are also some eligibility requirements to be met, from age criteria to annual income, and things of the like.

Credit companies also look into credit scores to determine your eligibility. Your credit history includes the number of credit cards you have or have had, the amount you owe on these credit cards, the loans you have taken out, and other things like your payment scheme, how many you have missed and if you pay your bills on time. This information is important in determining your credit score and your eligibility.



Featured Credit Cards:

RCBC Bankard JCB Credit Card


FEATURES:

  • Worldwide Acceptance in more than 180 countries on all major establishments
  • Shop, dine and travel anywhere and pay in any currency required
  • Convert your outstanding balance to your new RCBC Bankard JCB Credit Card.
  • Enjoy 24/7 customer service wherever you are.
  • Get as much as 30% of your credit limit anywhere you may be!

RCBC Black Card


FEATURES:

  • Highest credit limit
  • Peso Payment convenience (gives cardholders the option to purchase in any currency abroad and then pay in pesos when they get back home)
  • Revolving Facility (allows cardholders to pay the minimum of 5% of their total outstanding balance or P500, whichever is higher.
  • Get Cash Advance of up to 50% of your credit Limit or Php250000
  • Annual fee of Php3,600

MASTERCARD BLACK – BDO Credit Card


FEATURES:

  • Enjoy FREE membership for both your primary card and supplementary card for the initial year!
  • Earn rewards points on every Php50 worth of transactions on your BDO MasterCard Black!
  • Get special assistance whenever you travel with BDO Travel Desk!
  • Stay in the comfort of your homes and let BDO Black MasterCard do the payment of your monthly utility bills!
  • Supervise your finances with simplicity as you get lots of savings and discounts!
  • Avail of 24/7 customer service whenever you need it!

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.