Photo / Canva
Having a credit card is exciting. Having one has many benefits: flexible payments, rewards, and the chance to build your credit history. A credit card is convenient to use, especially on days when you don’t have cash. A credit card, however, is a responsibility. It’s easy to overspend. Credit is real money. Stay mindful of your spending and follow these credit card tips to use your card responsibly and make the most of it.
Take note of your billing cycle
Time your purchases, especially big-ticket ones like appliances or travel tickets, at the start of a cut-off period. That way, you have enough time to collect money to pay during your next billing statement. As they say, paying your credit card bills in full is better to avoid hefty interest charges.
Photo / BDO
Scan to Pay
Having a credit card is already convenient because you don’t have to carry cash, but it’s even easier when you can pay for your purchases through an app. Let’s use BDO as an example. The BDO Pay app consolidates all your cards in one place, allowing you to link all your credit cards and bank accounts. There’s no need to carry physical cards—just open the app, select the card you want to charge, and you’re good to go. You can also use the app to scan QR codes to pay.
Note the rewards you can enjoy
One of the best perks of having a credit card is the privileges you can enjoy, like exclusive dining deals and shopping rewards. For example, you can earn Credit Card Peso Points when you charge your credit card purchases through the BDO Pay app. You can convert your Peso Points to cash credit as payment for your credit card balance or transfer them to your SMAC account to use in the SM Store and SM retail outlets.
Remember these hacks to secure your credit card and make your life as a BDO cardholder so much easier.
Download and sign up for the BDO Online app today. The app is available on the App Store, Google Play, and Huawei AppGallery.
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