Oooops, I forgot to pay for my credit card bill this month. Maybe because of the long vacation and another long weekend again, now I’m worried about the finance charges. I’ve always been a good payer, I love my BPI credit cards and I’ve been using it for 5 years already even if other banks lured me to their credit card offers. Why I’m worried about the finance charges, it’s because I’ve used it quite often since January. Blame it on my impulse buys at Etude House, online purchases at Amazon and Cebu Pacific’s seat sale. I only use my credit card whenever I’m doing the grocery, just so I can avail of their perks such as free Jollibee or Chowking meals, but this year, I went like a mad swiper. Do you think I’m doomed with a hefty finance charge?
Yes, you can save money using your credit card. You might think that having a credit card is just a temptation waiting to explode, huh? Well, for the wise-spenders, you can actually make use of your credit card to earn perks, freebies and benefits. But first, you should scout for the best credit card out there that suits your preference or needs. For example, if you’re a jetsetter, you might want to consider a credit card that ties up with an airline company that lets you earn travel points like a BPI Worldperks. If you often gas up at Petron, then you might want to get the BPI-Petron credit card to earn rebates. Other credit card companies like Metrobank has an M card that specifically targets their female clients.
Obviously, I’m using BPI credit card for 5 years now, a loyal and very happy client. And throughout those 5 years, I learned some credit card smarts that I want to share to let you save money by using your credit card: