Monday 18 July 2011

Online Banking

Online Banking or Internet Banking, this allows the clients to conduct financial transaction anytime of the day. Through online banking you can perform an account to account transfer, the transactional like applying for a loan, paying a bill, apply for new account. You can also perform non - transactional matters, like checking recent transactions, and downloading bank statements. Most banks offers online banking system to serve the client well and meet their satisfaction. It speeds up business transaction usually between bank and clients. 

Most establishments nowadays use online system, it may be a private organization or government agencies, Social Security System and jobs abroad are some of those.

Monday 11 July 2011

Balance Transfer Credit Cards

From the word itself, its the transfer of your remaining balance to your existing credit card, but you must pay then for lower rate or even at 0% interest. In more simple way, the transfer or the moving of your dept from one card to another. Sometimes the transfer of credit cards are used to lower the credit card interest rate. It may be depend on months and the percentage as well. It can be 0% for 20 months, 0% for 18 months, for 15 months. So now, if you have existing credit cards, think if you will practice credit card balance transfer.

Friday 8 July 2011

Prepaid Credit Cards

Like Bad Credit Cards, Prepaid Credit Card, it is given to those who has bad credit history. The difference is that the major credit cards is often used for business transactions like ticket and ticket reservations. This prepaid credit card is given to those who has poor credit that may engage the same transactions. This is also used by some parents for their children to limit their capacity to purchase.We can consider prepaid credit cards as secured credit cards, its most likely the same as the regular credit card, only the credit limit it generally lower than  that of regular credit card. Credit limit of prepaid credit card may base on the  security amount deposited by the account holder.

Thursday 7 July 2011

Bad Credit Card

Bad Credit Card, this are cards given to individual who has Bad Credit History, meaning they don't comply with the terms and condition given by the bank upon getting their previous credit card. This is a given chance to those who has bad credit history to build up again the trust of their previous credit card provider, and to allow them to get the usual credit card. Bad Credit Cards has low credit limit, knowing that someone has bad credit history, why would they give high credit limit when they can't afford to pay it. Right? This will be given to you provided that you must conform with the terms and conditions, and the most important, you must pay it promptly. Having a bad credit card will help you to become responsible and be reliable in terms of financial aspects. Not all credit card provider issues bad credit card, it may depend to the bank.

Chase Bank Credit Cards Application

Chase bank, another bank that offers credit cards. They offer two different cards. The Chase Freedom and the Slate from Chase. You can select one depending on your personality. This usually offers to those who has effective credit history. So if you are one, apply now for Chase Credit Card. To apply online, just visit Chase's official website.

Monday 4 July 2011

HSBC Credit Cards Online Application

Hongkong and Shanghai Banking Corporation, known as HSBC, another major bank in the Philippines that also offers Credit Cards. One of the largest banking and financial group of services.

HSBC Credit Card Application

To be enable to apply for a credit card in HSBC, you must consider some important things. You must be at least 21 years of age, but not more 65 years old. Must be a resident where HSBC operates. Must have at least Php 1,000,000.00 for Platinum Visa Card, Php 360, 000.00 for Gold Visa, P120,000.00 for Classic Visa or Red MasterCard, and two valid Identification Cards (updated). You can also avail HSBC credit card through online application, at online application. i say that it would be more advantage on your part, less expensive and time saving. Please visit their website website www.hsbc.co.uk/.

Sunday 3 July 2011

BPI Credit Cards Application

Bank of Philippines Islands, also known as BPI, is one of the oldest bank that still operates here in Philippines. This is also one of the major provider of credit cards, namely Classic, Blue MasterCard, , Petron-BPI MasterCard, BPI Sky Miles MasterCard Edge, Mini Edge MasterCard, E-Credit, Gold MasterCard and Corporate Cards.

BPI Credit Card Application

To apply for one, applicants must be at least 21 years old. Minimum fixed monthly income (excluding overtime, commissions or service fees) of P20,000 for : BPI Express Credit Classic, BPI Edge MasterCard, BPI Sky Miles MasterCard, BPI Blue MasterCard, Petron-BPI MasterCard and a n income not less than P50,000.00 for BPI Gold MasterCard, P50, 000.00, with two valid Identification Cards (latest). To apply online, please visit the BPI offical website -- www.bpi.com.ph/.

Saturday 2 July 2011

Metrobank Credit Card Application

Metrobank is known to be as the largest bank in the Philippines, and like any other banks, it offers credit cards that makes the selling transaction between the seller and the buyer easier and faster. You can apply for a credit card in Metrobank that vary on your lifestyle, the way of living and on how it will affect you monthly financial aspects. It's better that you will analyze first your fixed expenses and the estimated income to realize why our remaining fund goes that way after several deductions.

Kinds of Metrobank Credit Card
  • Metrobank Femme Visa - This credit card is intended  for women users.
  • Metrobank Dollar Mastercard - the main currency used with this Metrobank credit card is US Dollar. You can pay your bills in dollars.
  • Go! Mastercard - a perfect for the seasoned traveler and frequent shopper at Robinson malls.
  • M Lite and M Free Mastercard – With this card you won't pay annual fees. You also enjoy the bare necessities of having a credit card without much of the frills.
  • Metrobank Credit Card Classic Gold - a Metrobank credit card that has a  rewards program. In every P20.oo you spend on anything you earn one point.
  • Metrobank Platinum Mastercard - has the highest credit limit in all Metrobank credit cards. You also get VIP treatment with any of this bank customer service.
Choose what kind of credit card fits your lifestyle, visit the nearest Metrobank branch and start processing your credit card application. On online application, you may check the Metrobank official website --www.metrobank.com.ph/.

Friday 1 July 2011

BDO Credit Card Application

You may come with two options if you want to apply for a BDO credit card, the old process of application in which you have to go to the nearest BDO branch, ask for requirements and apply. The other one is, the online application, at this kind of application, you can apply anytime and only wait for a sixty second approval.

Credit Card Application

Kinds of BDO credit cards are offered so we can choose what kind of credit card fit our needs, and suit our financial income monthly. We must assure that we can afford to pay our monthly bills. In applying a credit card, we must consider some things. You must be at least 21 years of age, and not more than 70 years old for principal. Must be a Filipino citizen, or a foreign that had been residing here in Philippines for least two years. A monthly income of Php 120,000.00. Permanent status at the present job, or has a business that operates for at least two years. A residence or an office where the BDO branch is located. You must bring two valid ID's update.

Online Application

For online application, well it is more beneficial on your part. Time saving and less expensive. You don't need to drive just to apply for one. You don't need to wait for a line that will take you minutes or even an hour. You can apply online at any time and possibly approved after 60 seconds. If you wanna try this, just visit the BDO website -- http://www.bdo.com.ph/. Provided there the forms you need to fill up and other related concerns.

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