Friday, June 23, 2017

Secured Credit Card - Letting go of RCBC's Instacard

Just in:

Dear Branch,

Good Day!

In line with issue reference number XXX, please be informed that branch may now release the hold out deposit of Mr. XXX for his Instacard account with card number XXX. Account was cancelled last April 18, 2017 and already completed the required 60 day holding period. The account of client do not have any outstanding obligation.

Thank you.

After reading so many horror stories about how people went through hell and back for their hold out amount to be released, I am so relieved that I didn't went through countless follow ups, calls and emails. All I did was to call RCBC's hotline, state my request, and patiently wait for 60 days clearing period to be over. Thank you RCBC!

My profile:

Php10,000 hold out amount
100% credit limit
Used for a 12 months installment purchase
Occasional usage, about twice in a month
Fully paid before due date
Was given a regular Gold RCBC credit card on my 10th month

With that, it's adios from me for RCBC's Instacard.

Friday, March 17, 2017

Extended! Multiple Entry Visa for BPI and BDO Cardholders and How To Get Yourself One




There was a time that I thought that gaining a single entry Korean visa is impossible, let alone a multiple one. I've also always thought that with way to much Koreans in the Philippines, it is really unfair that we Filipinos are given a hard time entering their country. Thanks to BDO and BPI, more Filipinos are able to get multiple entry visa for being a Gold or higher credit card holder. Yes, getting a credit card is still quite hard for some Pinoys but if you have the will, BDO (and BPI) have the way. :)

Here's some tips on how to get at least a Gold credit card with BPI and BDO.

1. Get a secured credit card. 

I for one did this trick. See my blog post here. In a nutshell, a secured credit card is a type of credit card wherein you have a hold amount as a collateral for the card. It functions like a normal credit card and is also eligible for the promotion. As of writing, you need at least Php75,000 credit limit. This means that your hold out amount should be at least Php94,000 as BPI promises a credit limit of  80%-90% of your hold amount. To make sure that I meet that point, I kissed my Php100,000 goodbye for a year.

BDO on the other hand is a different story. It is not that well known but BDO offers a secured credit card, they just don't have it publicly announced. You have to go to your branch of account and hope that a manager knows about it. It may mean opening a time deposit account. To have a gold credit card, its credit limit should at least be Php50,000.

2. Ask for a credit limit increase

This is applicable for those who has a regular credit card with BDO or BPI but in a lower tier. As soon as your card turns 6 months, you can request for a limit of at least Php75,000 for BPI and Php50,000 for BDO. Pray hard for it to be granted then request for a card upgrade to Gold. This was how my friend got his Gold BDO card. He was luckily given a Shopmore card with Php50,000 limit. He immediately requested for an upgrade upon receipt and after one month, went on to successfully secure himself a three year multiple entry.

This Credit Card promotion was introduced  way back in 2015 and is extended up to December, 2019! You can check it here in the Korean Embassy’s announcement section.



Cheers!

Thursday, March 16, 2017

Bank Codes in the Philippines


In line with my blog post about adding a bank account to your PayPal account, you need to enter a bank code. as with PayPal Philippines, to complete your PayPal withdrawal, you will need to enter the name of your bank, your bank account number and the corresponding 9-digit bank code, which identifies your bank.

Here's a summary of the different bank codes in the Philippines. 

BANK NAME
9 digit bank code
ALLIED BANKING CORP
010320013
AUSTRALIA NEW ZEALAND
010700015
ASIA UNITED BANK
011020011
BANGKO SENTRAL NG PILIPINAS
010030015
BANGKOK BANK
010670019
BANK OF AMERICA
010120019
BANK OF CHINA
011140014
BANK OF TOKYO
010460012
BANCO DE ORO (& EPCIB)
010530667
BANK OF COMMERCE
010440016
BANK OF THE PHIL ISLANDS
010040018
CHINA BANKING CORP
010100013
CHINA TRUST COMML BANK
010690015
CITIBANK N.A.
010070017
DEVT BANK OF THE PHILS
010590018
DEUTSCHE BANK
010650013
EAST WEST BANK
010620014
EXPORT & INDUSTRY BANK
010860010
FUJI BANK
010640010
HONGKONG AND SHANGHAI BANK
010060014
INTL COMML BANK OF CHINA
010560019
INTL EXCHANGE BANK
010680012
JP MORGAN CHASE BANK
010720011
KOREA EXCHANGE BANK
010710018
INTL NEDERLAND BANK
010660016
LAND BANK OF THE PHILS
010350025
MAYBANK OF THE PHILS
010220016
METROPOLITAN BANK & TRUST CO
010269996
PHIL BANK OF COMMUNICATION
010110016
PHIL TRUST COMPANY
010090039
PHIL NATIONAL BANK
010080010
PRUDENTIAL BANK
010150018
PHIL VETERANS BANK
010330016
RIZAL COMML BANKING CORP
010280014
SECURITY BANK & TRUST CO
010140015
STANDARD CHARTERED BANK
010050011
UNITED COCONUT PLANTERS BANK
010299995
UNION BANK OF THE PHILS
010419995
UNITED OVERSEAS BANK
010270189

Cheers!

Wednesday, March 15, 2017

How to Add a Bank Account to your PayPal account

I'm an occasional online seller, and in times of sales, I usually prefer cash on collection or meet ups as it is more reliable and no fees are charged. However, venturing on eBay's international selling, I have no choice but to add PayPal as my accepted payment method. When a buyer pays, I would need to withdraw it to my bank account. At this point, I found another use for my Eastwest account as I've read that no fees are charged when withdrawing funds. Will confirm that when I have a balance to withdraw. Unionbank is another option but it charges php10 per ATM withdrawal. Every peso counts. Haha!  What I know is that it would be PayPal who would charge Php50 for each withdrawal instances. So, here's my mini guide on adding your bank account details on your PayPal account.

1. Log in to your PayPal account
2. Click on the "Wallet"link on top of the page.


3. Click on the "Add bank account"link.


3. Enter your bank details, then click the "Save"button. Make sure you provide correct and similar details as to your PayPal details to avoid that Php250 returned fees.


4. Congratulations! You have added your bank account. Easy peasy!


5. You should also receive a confirmation email to your registered email address.


I've read somewhere that PayPal sends a confirmation code to your bank account whenever you add one. I didn't receive any and was not asked to check my online account for a PayPal code. I guess it's because I already have a credit card on file. Or maybe I will  be once I try withdrawing funds. For now, I wait,

Cheers!

Monday, March 13, 2017

Credit Card Promo - Citi Bankwide Member Get Member Program

If PNB holds a special place in my heart for being the first credit card issuer to grant me a regular credit card, Citibank also holds another place for a different reason.

Citibank, being an international bank, is one, if not the most recognizable brand in terms of credit card brands. Ask anyone for the top three credit card issuer in the country, I'm 100% sure that Citibank would be on the list. This is why aside from having a gold credit card from BDO or BPI for my 3 year multiple entry to Korea hopes, I tried my luck in getting a Citibank credit card.

And I tried. And tried. And yet still tried.

Yes, I tried for at least 8 times before getting approved. I have had one planner, an umbrella and 6 tubs of Chef Tony's popcorn before getting their elusive "Yes".


Now that they have this referral program until March 31, 2017, I hope yours will be a bit easier.


See full terms and conditions here.

Cheers!

Friday, March 10, 2017

Credit Card Promo - PNB Member Get Member Program

Being the first bank that gave me my first regular credit card when all the others have declined me, PNB will always have a special spot in my heart. Arte. Haha! Aside from being  a part of the free for life promo last February 2016 and recently being given another free for life card (The Travel Club Card), it is very easy to connect to their customer support, and they offer one of the most, if not the lowest balance transfer rate among credit card issuer in the Philippines. These were a few of the things I love about PNB. Another credit limit increase would put the icing on top. Hopia.

Kidding aside, this is why I'm making this post. To share, and make others experience what PNB has to offer, and receiving cash credits while doing so. Haha! There are other cards other than BDO, BPI, Metrobank, at Citibank. :)

I know I don't have a lot of readers but at least its worth a try. This is a year round promotion and it covers all referrals received from March 1 to December 15, 2017. All you have to provide me your full name, contact number and email address. I will be the one to forward it to PNB. Do drop a comment with your email address so I can get back to you.


Promo Mechanics:


1. This program is open to all existing PNB Credit Cardholders in good credit standing, excluding Corporate and Distribution Cards.

2. The promo period covers all referrals received from March 1 to December 15, 2017.

3. Existing PNB Credit Cardholders may refer their personal network to apply for PNB Credit Cards. If the referral is approved, the PNB Credit Cardholder who referred the the account shall receive P500 cash credit to his own PNB Credit Card Account.

4. There are no restrictions to the type of card being applied for.

5. Cash Credit Incentive cannot be transferred to another PNB Credit Cardholder nor it can be converted to cash or any other form.

6. Process for Referral:
6.1. PNB Credit Cardholder has to send via email to mgm@pnb.com.ph the following   information regarding their referral:

Complete Name
Contact Number
Email Address
6.2. Only complete referrals shall be processed.
6.3. PNB shall send PNB Credit Card Application form to the referrals within two days from receipt of referral.
6.4. Referred individual to accomplish the application and submit the following to mgm@pnb.com.ph for processing:

Filled out and Signed PNB Credit Card Application Form
Valid Government-Issued ID
Income Documents
For Employed applicants: (any one of the following)

Latest ITR/W-2
One Month Payslip
Latest Certificate of Employment
Latest Credit Card Billing Statement
For Self-employed applicants:

Latest ITR with DTI/SEC Registration and Audited Financial Statements
6.5. Only complete applications shall be processed.
6.6. Once the referral is approved, the cash credit incentive will be credited to the referrer's PNB Credit Card Account within 30 days from date of approval.
6.7. A notification will be sent to the referrer if the referral/application has been approved via email.
6.8. For follow-ups regarding the status of referrals, PNB Credit Cardholder Referrer may send an email to mgm@pnb.com.ph or call 24/7 PNB Customer Service at (02) 818-9-818. Email must contain the name of the referral.
6.9. The PNB Credit Card has to be active at the time of referral and incentive crediting.
6.10. Only new-to-bank, principal approved referrals shall earn cash credit incentive.
6.11. PNB shall have the sole right whether to approve or reject an application. PNB shall have the sole right whether to disclose the reason for rejection of an application.

Official page can be found here.

All the best!

Wednesday, March 08, 2017

Applying for an Eastwest Bank Basic Savings Account

Image from eastwestbanker.com

First, let me admit that the main reason why I opened an Eastwest Bank basic savings account is because of the hopes that I would be asked to apply for their credit card. I've tried applying for an Eastwest credit since last year both via online, direct to bank, or though an agent, and was declined four times already. This time, armed with some knowledge I gathered from the PinoyExchange community, I tried my luck. True enough, during the mandatory Know-Your-Customer (KYC) phase and while filling up their application form, I was asked if I wanted to apply for a credit card. Mission accomplished. Getting approved or not would be in another blog post.

At the same time, I had the need to open a savings account solely for the purpose of maintaining money I make for a small money-making business I am in with an officemate. I would need a savings account with no or minimum maintaining balance, zero ATM withdrawal fee, zero annual fee and easy accessibility within my home and workplace. With these reasons, the choices I have came down to Eastwest and Unionbank. Since I already have the GetGo Debit Card with an annual fee of Php500 and Php10 ATM withdrawal fee, plus the fact that a lime colored debit card is nice to look at, Eastwest took the cake.

Here's a rundown of its features:


Though I have no use of this information at the moment, one would be delighted to know that Eastwest Bank is affiliated with PayPal, and you can have your PayPal earnings be withdrawn to your account with no additional charge.

My Experience


REQUIREMENTS:
1. 2 Valid IDs
2. Billing Statement
3. Initial deposit of Php100
4. Recent photo

I initially opted to open an account on a branch that's nearby my workplace.  However, they were kind of strict when it comes to having complete requirements. I only have one valid ID with me at that time and have no recent ID photo. Good thing the branch that's near my residence address allowed me try apply without a recent photo. It's also a plus factor that the branch in P. Tuazon is more accomodating than the one in Eastwood. That's one important aspect of banking I am looking on a bank. Application only took about 30-40 minutes depending on how fast you fill up the application form. I was then told to wait 5-7 banking days for the card to be claimed.

Fastforward. After only 4 banking days, a representative from the P.Tuazon branch called up my home landline and informed that my card is ready for pick up. That was fast indeed. I just hope that they also approve my credit card application, but for now, it does not matter. I'll just wait for a no annual fee for life promo should I get declined. I'm more excited in using the lime colored card at the moment. Hehe.


Cheers!

Friday, March 03, 2017

2017 Starbucks Philippines You Are Here Series Mug Collection Batch Two

Barely a month after releasing the new You Are Here Series mug collection, Starbucks is at it again with three more designs. Still at Php525 a piece, but you will need to exert more effort in acquiring since all of them are outside of Metro Manila.


Now let the nitpicking begin. Haha! I mean, let's take a look on these three new designs, shall we?


Boracay

Another rehash of the original Global Icon series. They kept the sky blue colorway and the Boracay sand art from the second edition and added some beach stuff. I'm not totally a fan of the island, although I've never been there to justify this but I prefer a more secluded beach where you can be at peace just watching the waves and the sand and at night time, the stars above. Being one if not the most famous beaches in the country, I would not be surprised with its inclusion to the series. Fun fact: Palawan or Puerto Princesa does not have a Starbucks branch and this may be the reason why it does not have a representative to the old global icon series or to this new collection. Bummer.



Baguio

Sunflowers and strawberries from the global icon series edition also grace this design for the summer capital of the Philippines, but this time, red is the dominant color coming from the greens of the old collection. I'm not familiar with the gazebo like structure as the centerpiece (Minesview Park, perhaps?) but I feel I have been on one in Tagaytay at the picnic grove. The design also reminds me of a small Chinese temple. Representations of the summer Malacanang and Burnham Park also made the cut.



Tagaytay

Yet another familiar design from the global icon series, but I do believe Tagaytay is indeed best represented by the Taal Lake and nothing more. I would not settle for anything else. A sunflower also made an appearance. I believe it is because of the cool weather on these areas but I'm never seen an actual sunflower in bloom. Poor me.

Final Thoughts

I may be a bit biased here but if you intend to release a new edition of a collection, would it be better if it would be attacked in a fresher or a unique manner? Seeing these three designs still reminds me of the global icon series. Maybe Starbucks intends to be seen it that way. After all, the You Are Here series collection also aims to remind you of the place they feature. Just my two cents.

Images take from Starbucks Philippines Facebook page.



Thursday, March 02, 2017

2017 Starbucks Philippines You Are Here Series Mug Collection Batch One

I know this is a bit late, as they have outed the first batch last February 7, 2017 and has just recently released the second batch (another post, Haha!) , but Starbucks You Are Here Mug Series is finally here in the Philippines!!! But I do not know if I'm gonna be happy about it.


You see, I've been a collector of their Global Icon '08 Series tumblers. I have always meant to post about my collection here since I started blogging again and I believe I have one lurking among my drafts. As always, I tend to forget about it or I'm feeling too lazy to continue writing it. Now that the You Are Here series is here, I guess it would forever remain that way. The launch of this series means the end of the Global Icon series. I may be wrong, but I no longer see it whenever I chance upon a Starbucks Store. Good thing I have managed to collect all except for one (Naga, which I'm still hunting online).

That's the reason why I'm not too happy about the release of the You Are Here (YAH for short) series here in the Philippines. Nevertheless, as the old saying goes, out with the old, embrace the new. Though I will not be collecting one, I will be happy supporting those who wish to collect them all. In fact, I have an officemate who has just started collecting Starbucks mugs and I'm happy to help him on this endeavor.

Now presenting...




Philippines

Starbucks used the Banaue Rice Terraces (Hagdan-hagdang Palayan ng Banawe) to represent the Philippines in this collection. Commonly referred to as a potential candidate to be the "Eight Wonder of the World," these are 2,000-year-old terraces that were carved into the mountains of Ifugao in the Philippines by ancestors of the indigenous people.

My thoughts: I do love the Banaue Rice Terraces when I've been there so many years ago, I personally think the Philippine Eagle would better represent the country. Don't get me wrong, but rice terraces are common among Asian countries and would not make an excellent recall.



Manila

They went with a combination of the previous Global Icon series: "Kalesa" and "Jeepney", along with what I believe will be the Manila Baywalk.  I love it! These two icons really best describe what Manila is to me: traditional and modern; the old versus the new.


Quezon City

I really don't get the icons featured here on this design. The buildings may represent the various government buildings located in the city. That's just according to me. The film roll actually represents Quezon City being called the "City of Stars", according to my officemate. While one addicted to Starbucks mugs blog, actually pointed out that this film roll detail can also be seen on the "Cannes" YAH mug. This is also another reason for me not to really love these YAH series. Though it is a vibrant and colorful, it lacks the uniqueness that I find with the Global Icon series. And no, this is not an excuse to hate the YAH series. Haha! Anyway, of the first five YAH designs from the Philippines, this is my least favorite, as I find it to dull when compared to the four and totally lacks recall. Sorry.


Cebu

I see that they have also integrated the colorway and the Guitar design from the first version of the Cebu Global Icon series on this one, plus a building that I'm not sure what it represents. You see, another reason why I'm not too gaga over the YAH series. Cebu is best represented by Lapu-lapu, who graced the second edition of Cebu Global Icon Series, or by a danggit (rabbitfish), which I think is represented anyway by the clusters of fishes near the back of the mug, or the Mactan-Mandaue or the Marcelo Fernan bridges. However, their designs are too complicated to be translated into a simpler manner that the YAH series is aiming for, hence the feeling of being borrowed from a database of designs in a Microsoft's clipart kind of way. I hope you get what I mean. Anyway, using green and orange (two of my favorite colors) places this just above the Quezon City design.


Makati

I also see that they have also used the orange colorways of the original Makati Global Icon Series. I believe the design shows Makati as the business and shopping district of the Philippines, plus traffic (Haha!) as represented by buildings, buses and shopping bags. As mentioned, too lame and no recall factor. The fact that it is orange is just the reason I love this mug. Sorry.

There you go. The first five You Are Here Collection mug from the Philippines. Not bad, but not great, at least for me. Good thing another three (Boracay, Baguio, and Tagaytay) went out, which I will write about the next time. Costs Php525 a piece. If I were to rank them in order of purchase, I will be buying them in this order: Manila, Philippines, Makati, Cebu, then Quezon City.

Edit: I did post something about my Global Icon Series after all. Haha!

All images are from Starbucks Philippines' Facebook page.

Sunday, February 26, 2017

Credit Cards - PNB Essentials Mastercard - One Year Later

I remember it as though it only happened yesterday. It was a hot sunny afternoon. Though it was late February and the molten ice from our northern neighbors should have made the weather a slightly chilly one, there was I sweating profusely under the mighty sun. Armed with the requirements I've taken note from their website, I entered Philippine National Bank (PNB) P. Tuazon branch. I'm not exactly sure if their branch is a new one, but it looks like it, especially when compared to the Ali Mall or the Cubao-Harvard branches.

The staff were friendly and accommodating. Even though it was nearly lunch, one of their tellers assisted me with my application. I was initially asked if I had an account with them. I told them that I didn't and asked if it was necessary. Good thing it was not but it could really help with my application since this will be my first credit card if ever. I just told them I would be opening one should I get approved so I can use their online portal.

The process only took 30 minutes of filling up the application form. I was told it could take a month or so for the entire process and I should really see to it that I answer their verification call for me to get approved.

A week later, I received their call and was relieved that I was free to answer it. Basic questions were asked and it took only about 5 minutes. I didn't hear again from them after that. Amidst the tension I faced with applying for a secured credit card, I was totally surprised that around March 7, 2016, a card arrived at the office though I was not there to receive it personally. It was an Essentials MasterCard with a Php20,000 limit. Very low indeed, but at least it's a regular one. My first ever. To top it up, I then learned that it have free annual fee for life. I feel so lucky.

Six months later, I requested for a credit limit increase and was granted one from Php 20,000 to Php 50,000. 10 months after, I requested for a Travel Club Platinum Mastercard which is also free for life. I was initially declined but them got approved after casually mentioning it to a CS on one of my contacts with them. That's a different story for now. Hehe.

Card usage wise, it has the perks of other credit cards: installment plans, balance transfer, transaction conversion; all of which I've used at a certain time. If there's a bad thing that I could think of, it is their overseas usage limit. Though my balance is sufficient enough and a travel advice was given, a CS told me that the card would be blocked after a certain number of swipes. It happened to me when I was in HongKong and then another time in South Korea. I didn't dare use it when I was in Japan so I'll never know.  Otherwise, all was well.

Recently, February 22, 2017, I received the below email. I guess it was February 22 when I got approved and got the card 2 weeks later. Though I'm pretty sure that this is s system generated email, I was touched, and would have been touched more if it came with an automatic credit limit increase. Just kidding. Seriously, two cards from them with no annual fee for life is reason enough for me to stay with this bank.

Image by PNB

Thank you PNB for the trust. I'm really looking forward for a stronger banking relationship with you for the years to come.

Saturday, February 25, 2017

Credit Card Promo - Metrobank's Red Ribbon and Greenwich Treats

One of the perks of having a credit card is getting something out of spending. Granted, it is not technically free as you have to reach a certain amount to be eligible for a certain treat. Nonetheless, if it's for something that you regularly spend on like bills or groceries, then why not?

Though this is my first time posting about these kind of promos, I've actually taken advantage of past credit card promotions like BPI's Starbucks (my favorite) and Jollibee treats (3x) and Metrobank's recently ended McDonald's treats (2x). These are what some of the peeps at PinoyExhange call as "Pantawid Gutom Program"  (Quick hunger fix). Haha! I'm thinking of posting more promotions like these for those who are too lazy to read their emails or those who are on auto delete mode. Plus, it's one of my lame excuses to come up with a blog post. Haha!

Image by Metrobank


A quick run through:

Eligible Cards: All Metrobank credit cards except Metrobank ON Internet Mastercard and Metrobank Dollar Mastercard. Not applicable to YAZZ prepaid card and Metrobank debit and prepaid cards.

Promo Period: February 22, 2017 to May 15, 2017

Redemption Period: February 22, 2017 to July 14, 2017

Promo: FREE Red Ribbon and Greenwich treats when you spend anywhere with your Metrobank credit card.

Click here for the complete promo mechanics.

Sunday, February 12, 2017

Credit Card Tips




It has been a year since I had my first credit card. It all started with with a secured old credit card from BPI, in my desire to avail of their Imagine your Korea promotion wherein Gold and higher credit card holders have the chance of being granted 3-5 years multiple entry to South Korea. 

Fast forward. Along with a 3 year multiple entry visa to South Korea, came multiple credit cards. As Spiderman would put it, with multiple credits card comes multiple responsibilities. It was fun at first. I'm a Starbucks card collector and the idea of collecting multiple credit cards for the different designs came to mind. Further, the idea of being entrusted with a credit limit that I can use anytime at my whims boosts my self esteem. 

A credit card can be a valuable tool if you know how to use it properly.  Below are some tips I've read from various sites, adding more from my own experiences. 

1. Your credit card available limit is not your cash. Do not treat it as an extension of your buying power. Your buying power is your cash limit. Once you have your card swiped, consider the same amount of your cash to be no longer yours.

2. Pay the monthly due on time and in full. This is to avoid paying for interest. Paying just the minimum amount off your credit card balance each month will not only extend the time you are in debt, it will also significantly increase the interest you pay over that time.

3. Never miss a payment. If the above point can't be avoided, it is vital to make a payment of at least the minimum amount by the due date.

 4. Go for credit cards that offer free annual fee for life. If this cannot be avoided, ask for your annual fee to be waived; some credit card companies waive annual fees upon request or upon meeting certain conditions.

5. On installment:
- avail only if installment price is the same as the cash price (0% interest)
- avail only if you can afford to pay the full amount on the purchase date
- take the longest payment scheme possible but only if the last payment date is before your annual fee will be charged. This way, you get to be in a better position when asking your annual fee to be waived. 

5. Unless there's a minimum amount or purchase required, every peso counts. Use your card on each and every purchase that allows you to, provided you follow the previous points. 

6. Check the perks. RCBC Bankard offers unli 0% installments. Unionbank's Getgo Credit Card directly earns you Getgo points which you can use to redeem Cebu Pacific flights. Citibank Rewards card offers accelerated points rewarding system.  This is especially useful for those who have more than one credit card provider. On any given transaction, use the one that will give you better perks. 

7. If you have just enough money to make ends meet and without an emergency fund but with regular salary, get at least 2 cards, but make sure to follow the above advice. Having 2 or more cards gives you some sort of emergency budget. 

8. Treat your credit card information as confidential (Really, it is.)

The Good:

1. You get to keep your money at the bank for a longer period. This gives you:
- insignifcantly higher interest
- available cash in case of emergency

2. You get to receive discounts and freebies without paying for interest.

3. You get to fall in line less often on ATMs

4. In comparison to bringing cash, when you lose your cash, you lose your cash. When you lose your card, you lose a piece of plastic. Just make sure that you report it at the soonest possible time. 

The Bad:

1. You have the tendency to use it on purchases which you will not avail if you are on a cash basis.

2. You don't have the available budget but think you can swipe knowing your payday is drawing near. 

3. You see it as something to give you a better financial image among your friends.

4. You cannot say "No" to pressures of treating your friends even if you do not have budget for such.

Friday, February 03, 2017

Secured Credit Card - RCBC Instacard - One Year Later

Update: Just got an email that my funds have been released! Yey!


Time really flies too fast.

I can't believe that in a matter of weeks, my Instacard from RCBC would turn one year old. It seems only yesterday that I've had my faith tested and have finally gotten my card.


The Bad

Since I only opted to have Php10,000 as my hold amount, I was given a Blue Mastercard with the same credit limit. Yes, it was 100% in my case but I'v read elsewhere that some were only given 70% to 80% due to the remaining amount acting as a maintaining balance of their RCBC account.

Usage wise, I wasn't able to fully utilize this card because of it low credit limit. A big chunk of it was used to pay for an officemate's phone in 12 months installment. I also had another secured credit card with BPI with a much higher hold out amount and therefore a higher credit limit. My Instacard just stayed on my wallet for most months of the year.

Since I'm still yet to request for the hold out amount release, I am hoping it would be a smooth one. I will update this coming March.

The Good

My Instacard was treated like a regular RCBC credit card in cases where I need to swipe it, even though I was not able to fully maximize its features. It's also  great that they have this notification feature where every swipe you make, you will know via a text message or an email.

They also have minimal waiting time when contacting their customer service hotline. Well, at least for me, and when compared to BPI's customer support which really sucks big time.

The Best

I'm not really sure if this was because of my on time and in full monthly payments, or the fact that I have applied several times for a second card, but I was given a Gold Visa card this January even though my card is less than a year old. The credit limit is substantial, and I am now able to use their Unli 0% feature wherein you can have any transactions be converted into 3 months installment.

Thank you RCBC!

Thursday, February 02, 2017

Game of Thrones Season 7 Spoilers and Leaks

I've always been fine with spoilers. Aside from having an advance insight on what may happen on a particular movie or series,  I have a penchant of backreading them to check if one actually came to fruition. This is why I thought of having this entry so I can look it back up once Season 7 airs.

I have seen these stuff November of 2016 and if I remember it correctly, the post came from a Reddit user. I do not claim any information below as my own.

So if you are not a fan of spoilers or leaks, please click on the "Close" button immediately.  You've been warned.

Image taken from Wikipedia

SPOILER ALERT!!!

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Season seven will see Daenerys, Cersei Lannister, and Jon Snow will form an allegiance to battle the White Walkers. Jon says he would give up his seat as King In The North if they fight together against the White Walkers.

Tyrion will face his sister Cersei and we will see a get together of Jorah, Varys, Missandei, Qyburn, Euron Greyjoy, The Mountain and The Hound as well as Daenerys and Jon meeting at the Dragon Pit in King’s Landing.

To convince the others into forming an alliance, Jon will bring an undead wight and show them why the seven kingdoms need to come together to fight the Night’s King and his undead army. Despite initially agreeing, Cersei goes back on her word and hopes that the two armies wipe each other out enough for her to hold the power. Because of her actions, Jaime finally gives up on his sister and heads north to join the fight against the wights.

Trying to capture the wight, sees Jon Snow’s uncle Benjen (also known as Coldhands) die trying to protect his nephew. Jon’s group are attacked by the Night King’s army and are left surrounded on a frozen lake, where Thoros is killed by a wight polar bear.

Daenerys saves the stranded group but faces her own casualty as one of her dragons, Viserion is taken by the Night’s King. He is the resurrected and is used to destroy The Wall with his powerful blue flame.

Despite their clash, Daenerys and Jon end up sleeping together by episode seven of the season.

Arya is reunited with her direwolf, Nymeria, which she left in season one. Upon her return, Arya uses her skills and the face of Walder to summon the Freys and after sending the women away, gives a toast and kills them all with poison.

Littlefinger threatens to upset the Stark family, as he tries to use a letter which Sansa sent to her brother Rob which she was made to send during her time as a Lannister, but with the help of her little brother Bran, she’s able to expose Littlefinger. He is then executed by Ayra.

Jorah makes a return after having been cured of greyscale by Sam.

Gilly, of all people, finds an account which claims that Rhaegar’s marriage had been annulled and that he had actually married Lyanna Stark, Jon’s mother (complete with a flashback) – which strengthens Jon’s claim to the throne.

Elsewhere, Cersei appears to have a miscarriage, and the Lannister army takes on Dorne and High Garden, killing them off.

Lady Oleanna reveals that she killed Jeoffrey and Jaime lets her commit suicide by poison.

The Lannisters have special anti-dragon artillery, which is designed by Qyburn, but are still killed by an attack from Daenerys. Tyrion is left worrying about Daenery’s hunger for power after she orders Drogon to scorch some Westeros lords, which includes Sam’s tyrant father Randyll, as they choose not to kneel. Euron Greyjoy finds and destroys Yara’s fleet and takes her as a prison but Theon manages to escape. Euron takes Ellaria and kills off two of the Sand Snakes.

But after he casts his eye on the wights, he flees back to Pyke after finding out that they can’t swim. Theon and Jon Snow come face to face, but he is given mercy for saving Sansa’s life.


There you go. I'm so excited!