6 Best Credit Card for Travel in the Philippines
Traveling is one of the most fulfilling experiences that one can have. But it can also be expensive, especially if you don’t have the best
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Frequently Asked Questions (FAQ) - Credit Card Basics
A credit card is basically a payment card with a chip in it. It enables you to pay your expenses to merchants by borrowing the money from a bank with a set limit of credit. The credit card issuer takes a record of your purchases every time you perform a transaction and you will have to pay the bill at the end of the month. If you are unable to pay the whole amount, there is a minimum amount which should be paid otherwise you will be fined a late fees and along with other interest charges.
A credit card is basically a payment card with a chip in it. It enables you to pay your expenses to merchants by borrowing the money from a bank with a set limit of credit. The credit card issuer takes a record of your purchases every time you perform a transaction and you will have to pay the bill at the end of the month. If you are unable to pay the whole amount, there is a minimum amount which should be paid otherwise you will be fined a late fees and along with other interest charges.
Debit card is also a payment card just like credit card but they are quite different from each other. A debit card allows you to pay money from your own savings / checking account. On the other hand, when you use your credit card, you are borrowing from the bank and will be required to pay the bank within a set period of time or risk additional fee/charges.
Using a credit card is quite simple, when you buy from a merchant or a physical location – just swipe or tap your card at the card payment collection device. For digital transactions – you will need to share your full name, card number, card expiry date and CVV (all these details are printed on your credit card).
First, you need to understand your usage requirements – make a list of all the payments and the estimated amounts you plan to make with a credit card. Then identify the categories in which you will spend – is it shopping, dining, fuel, groceries, etc.? And how much do you spend in each of these categories?
Once you have these details, you can easily decide to apply for credit cards, which have the best offering in your spending categories.