Best Credit Card for First Timers

Credit card use is getting more and more popular among Filipinos on the back of an improving economy, a booming E-commerce industry, and modernized banking services.

A credit card offers great convenience when making payments online and offline—wherever you are in the world. With just a shiny plastic card in your wallet, you can buy anything anytime.

Credit card companies prefer applicants that already have a credit history to prove that you 

are a good payer and a low-risk to them. That’s a problem for credit card amateurs – some just can’t provide a credit card billing statement but are willing to pursue applying.

But, with hundreds of credit card products in the market, how do you really choose a credit card in the Philippines?  here's a top 5 list of cards to consider.

1. Metrobank Classic Visa

Annual Fee: ₱1,500 (waived for the first year)
Interest: 3.5% per month

Other Features:
Chip Card
Metrobank Card has an embedded chip that can protect you from credit card fraud due to cloning – an occurrence when your personal and account information are copied and transferred to a fake card.
Rewards
Earn 1 point for every Php20.00 that you spend using your Metrobank Credit Card. Use your points and redeem premium items or air miles from Philippine Airlines, Cathay Pacific Airlines or Singapore Airlines.

2. EastWest Bank Classic Visa

Travel Insurance: Up to  ₱20 million
Annual Fee: ₱1,400
Interest: 3.5% per month

Other Features:
1% of the cash advance amount or Php500, whichever is higher; and 3.50% finance charge imposed on the cash advance amount, which shall accrue from the date of availment until full settlement or payment.

3. RCBC Bankard myDream JCB

Special: Lowest interest rates and annual fees among RCBC Bankard”s classic cards
Annual Fee: ₱800 (waived for the first year)
Interest: 2.9% per month
Other Features:
myDream JCB’s Pay-Easy-Plan is the best in payment flexibility. Cardholders can charge in various currencies abroad and pay in pesos when they get back home. Plus, they have the option to pay the minimum of 1/20 of their outstanding balance or P500, whichever is higher, at a very low effective revolving interest rate 2.5% per month.

4. BPI Blue MasterCard

Travel Insurance: Up to ₱2 million
Annual Fee: ₱1,550 (waived for the first year)
Interest: 3.4%Per month

Other Features:
Accepted in over 29 million establishments worldwide, the BPI Express Credit Blue MasterCard is your start-up international credit card. It gives you P2 million FREE travel insurance. Plus, it lets you withdraw cash up to 30% of your credit limit in over 1 million Maestro/Cirrus ATMs globally.

5. BDO Visa Classic

Annual Fee: ₱ 1,500 (waived for the first year)
Interest: 3.25% per month

Other Features:
Every P50 you charge on your card earns you 1 Credit Card Point. Accumulate these points and use them to redeem from an exciting selection 

of items and amazing finds. You may also use your points to waive your Monthly or Annual Membership Fees.

REQUIREMENTS:

1. Bank’s Application Form
2. Photocopies of 2 valid government-issued identification card you own (Voter’s ID, TIN ID card, SSS ID, Passport, Driver’s License)
3. 
   

For employee applicants:

1. Most recent payslip
2. Certificate of Employment (CoE)
3. Latest Income Tax Return/ BIR stamp or Form 2316
4. 
   

For self-employed applicants:

1. Copy of DTI or SEC registration
2. Latest audited financial statements with bank/BIR stamp
3. Latest Income Tax Return with bank/BIR stamp or form 2316
4. 
   

For foreign applicants:

1. Philippine VISA
2. Alien certificate of registration stating type of Visa held
3. Immigration Certificate of Residence(ICR)
4. 
   

These documents are important for you to provide because it’s your first credit card. You have to prove to the bank that you are decently endowed with a regular cash flow even if you don’t own a credit card yet.

you can check out this great deals  this next time using your selected card!

Using your new credit card 

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I PHONE 6

How to avoid scams this holiday season

Financial scams tend to pop up more around the holidays. Consumers are busy, buying lots of goods and more than willing to shell out extra cash for those in need. While generosity is the theme of the season, it’s vital consumers exhibit caution when making any purchase or donating to a charity.  Here is a compiled a list outlining the top holiday scams:

• Fake Charities: Fake charities are among the most popular holiday scams, soliciting consumers over the phone, e-mail and through direct mail. To avoid these scams, only donate money to charities you know and trust. If a new charity piques your interest, be sure to verify its existence on Charity Navigator or the BBB Wise Giving Alliance. If you can’t locate the charity in question, use the online search tools to find a different charity with a similar mission.
• Fraudulent Travel Packages: Travel costs can skyrocket during the holidays, steering many consumers online in search of deals. Take time to research your options, and again, only purchase travel packages from reputable companies you know and trust. Fake travel sites may offer amazing deals on vacation rentals or hotels to lure you into providing personal information that can be used to steal your identity or tap your bank account. This practice is known as “phishing.” Fake travel sites may require customers to pay for all accommodations upfront, and they may not provide a phone number or e-mail address for customer support.
  
• Fake Contest Alerts: Many scammers use telemarketing to tempt consumers with prizes from fake contests. Be very skeptical if you get a call out of the blue about winning a big ticket item like a luxury vacation. Don’t put down a deposit or provide the caller with any personal data. The call is likely a scam, especially if you can’t recall entering the contest. Similarly, scammers may utilize these same techniques to solicit personal information with cell phone text messages, asking the recipient to call a toll-free number. This is referred to as “smishing.” Be sure to alert children, seniors and others who may not be cell phone savvy about these types of scams.
• Naming a Star: It may sound appealing to have your loved one’s name immortalized in the night sky, but it’s not really going to happen. You are simply paying for a plaque – not an actual star. These types of services have been around for a while, but consumers still fall into the trap. The truth is, the International Astronomical Union is the only organization designated to name stars, and it does not open the opportunity up to the public. You would be much better off making a gift or spending your money in another manner.
  

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Legit work at home jobs

I have been victimized by scammers online that’s the reason why I created this blog.

Now, my friends been asking if there’s really a website or posting on the net where you can work online and do task that will really-really pays.

Luckily I stumbled upon this web which I think is dedicated to all Filipinos who want to earn extra by working online.

This site is called: www.onlinejobs.ph

So, you might be asking, is onlinejobs.ph legitimate? Yes, definitely.

 

http://www.onlinejobs.ph/jobseekers/info/169428

Yes! I have created my account right there.

There’s a lot of opportunity for you see this picture:

Most of the jobs offer website designing, Data entry, virtual assistant, website maintenance, creation, editing and many more:

So in general what is this about?

Well it is simple as outsourcing. People from all parts of the world are looking for someone who can do the job for them, and that’s what your role. You do the job for them, and they will pay you for your hard work.

Easy as pie? Not exactly. There are actually more or less 20,000.00 jobs seekers on this site. So you better be the best over them so they will be able to find you and give you work.

My advice?. Continue to learn new skills.

Additional Tips:

·          Don’t be lazy in rating your skills upon signing up. This way, your employers will get to assess if you are qualified for the job.

·         Be honest in rating yourself. Don’t put 4 stars if you are not the best at it. Remember, it’s alright to admit that there are things you don’t know rather than showing off. Anyway, your employers will eventually know whether you are lying or not.

·         Take onlinejobs.ph tests and post the results to your profile. Don’t worry these are just basic tests that involves IQ, English and a little bit of psychological exams.

·         Upload a government issued identification card and link your profile to your Facebook account to get high ID trust ratings.

·         Don’t apply to jobs you cannot be committed with. Usually, a job at onlinejobs.ph indicates a required time allotment per week. If you think you can do the job, then go for it. But, if not, just give them to more deserving applicants.

So, that’s it. If you have other suggested sites where we can earn money to prepare for the upcoming holiday season, please put them on the comment box.

Good luck for finding your online job.

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