News And Articles


$96
Annual Fee
3.25%
Interest Rate

LJC Credit Card

  • Interest Rate : 3.25%
  • Annual Fee : $96

DESCRIPTIONS:

With the lowest monthly membership fee of only Php80, you get to enjoy the real deal in fine dining and what’s more…

  • Enjoy a 10% all year on your total bill for each transaction
  • Get a bottle of wine as you enter the world of fine dining in any LJC restaurants exclusively for free…
  • Thinking of celebrating your birthday? Where else would you have it for with the RCBC Bankard LJC credit, you get to enjoy an extravagant lunch or a splendid dinner with your friends and family.
  • The more you dine in any LJC Restaurant using your RCBC Bankard, the more you accumulate points and be rewarded fabulous gifts all exclusive for you…

An exclusive, one of a kind fine dining card that let its card holders the advantage of an overflowing and breathless experience that will certainly leave them breathless as they enjoy the joint benefits of great discounts, splendid dining, marvelous rewards and a credit card all in one.

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Featured Credit Cards:

EASTWEST BANK DOLCE VITA


FEATURES:

<ul>
<li>Finance charge of only 3.50% per month</li>
<li>Cash advance of 5% or Php300 whichever is higher</li>
<li>For transactions done in foreign currencies, pay only a conversion fee of 2.50%</li>
<li>&nbsp;Pay an annual fee of just Php1600</li>
</ul>

My Dream JCB


FEATURES:

  • LOWEST annual fee of just Php800, compare and find out
  • Interest rate of only 2.75% per month
  • Cash advance of up to 2.5% of their account or Php500 whichever is higher.

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!

Unionbank Omni Pass


FEATURES:

  • Pay an annual fee of just Php1500 for the primary card!
  • Transfer your old account to your new Union Bank OmniPass with just 1.25%!
  • Avail of Cash Advance service Fee of Php300 or 6%, whichever is higher!
  • Get Cash Advance rate of just 3.50%
  • Travel by sea or plane with the Union Bank OmniPass rewards!
  • Get loads of discounts and bonuses with every transaction charged with your Union Bank OmniPass!

Featured Articles:

Should you let your kid have his own credit card?

Fact: there is already an increase of teens and college students who have their own credit cards. Credit card companies now aim on the two groups since they are the ones who spend more money than adults.

Educate your child on how to manage spending with a credit card. Parents an even use instances in the present state of affairs as an example to discuss to kids the pros and cons of credit cards.

Smaller credit limits are usual with these types of cards and while it may be easy to apply for one, credit card companies charge large interest rates and fees to the teenage credit card holders.

People who are below 18 are not legitimate in obtaining credit cards without the consent of their parents. Unfortunately, some kids fill out forms and receive credit cards without the knowledge of their parents. To avoid this, talk to them and help them realize the importance of beginning a solid credit history with their first card. Emphasize that it is of utmost importance to their future.

As a parent, start by reading the guidelines with your child. Make sure you call to attention all the terms written on the fine print. Avoid coming to the rescue if the bills get way out of control. This will teach him to be responsible in handling his money. A credit card spent by a teenager and paid by his parents initiates bad credit habits

Let the child bear in mind that his credit card sho uld be used in emergencies only. Monitor ALL his spending activities. Some credit cards even allow the parents to create their own credit limit for the supplementary cards. This is very logical especially if you are too busy with your career.

Parents can help their kids spend sensibly with the correct use of credit cards. At this early stage, it is better to prepare them in the reality of life by teaching them not to abuse its benefits.