32 articles found.
Cancelling a credit card in the Philippines sounds as simple as calling the bank's hotline, but skipping the paperwork is exactly how old cardholders end up disputing a phantom balance or a 'past due' flag on their cr...
Read ArticleA low credit limit can feel like a wall the moment you need to book a flight, cover a medical bill, or consolidate a big purchase, and many Filipino cardholders don't realize their bank will actually raise it if asked...
Read ArticleAdding a spouse, adult child, or parent as a supplementary cardholder on your credit card is one of the most common ways Filipino families manage household spending, emergency funds, or a teen's first taste of using p...
Read ArticleWith dozens of credit cards on the market from BDO, BPI, Metrobank, RCBC, Security Bank, EastWest, and digital-first issuers, picking one can feel overwhelming — especially since credit card ads all lead with rewards ...
Read ArticleGetting approved for your first credit card in the Philippines is less about finding the card with the flashiest rewards and more about matching the card's income requirement, fees, and interest terms to where you act...
Read ArticleGetting your first credit card in the Philippines feels like a milestone, but it comes with rules that aren't always explained clearly at the bank counter or in the app's fine print. Used well, a credit card builds yo...
Read ArticleA lot of Filipino cardholders assume that as long as they pay the minimum amount due, they're avoiding trouble with their credit card — but that habit is exactly what triggers interest charges. There's a real, documen...
Read ArticleCarrying a credit card balance at the Bangko Sentral ng Pilipinas (BSP) cap of 3% monthly finance charge (36% a year) can snowball fast if you're only paying the minimum. Converting that balance into a fixed installme...
Read ArticleIf you're only paying the minimum amount due on your credit card every month, you're paying the maximum interest rate your bank is allowed to charge under Bangko Sentral ng Pilipinas (BSP) rules — currently capped at ...
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