Category: BDO Credit Card

5 Tips When Gadget Shopping with a Credit Card

Abe Olandres Leave a comment

Christmas is fast approaching and this week, most people will be getting their 13th month bonus or Christmas bonus. For the rest of us not getting any extra dough to spend for our holiday gifts, there’s always the ever-reliable credit card.

Here are some of the common tips we’d like to share whenever you’re going to sue your credit card wehn buying or shopping for gifts this holiday season.

  1. Subscribe to SMS Card Charges Alert. A number of credit card companies offer SMS alerts whenever you make a purchase or your card is charged. This gives you a personal confirmation that you actually made the transaction and the amount is correct.

    The alerts become very useful when you are abroad and frequently using the card. And when the unfortunate incident happens that someone else uses it, you get the notification immediately and can call up customer support to cancel or remedy the fraudulent transaction.

  2. Window Shop Online, Buy Offline. In our previous story about “Top 5 Crazy Filipino Gadget Buying Habits“, we pointed out that a lot of Filipinos tend to search online but buy offline. There’s actually a number of inherent benefits in this type of buying behavior which we’ll point out in #3 and #4.

    3. The truth of the matter is, in e-commerce, most customers use the internet for research but prefer the commerce part to be done face to face.

  3. Use Zero Percent Deferred Payment Options. Buying the new iPhone 6 or Samsung Galaxy Note 4 can poke a huge hole in the pocket if you buy in cash or straight charge into your credit card.

    Ask for a deferred payment — but be careful; make sure the deferred payment option has zero interest charge. Remember that some shops may still give you zero-interest but the SRP will be different from the cash price. Insist that you want to get a zero-interest instalment at the same final price as the cash price. Stores normally offer up to 12 months instalment but in rare cases, there are a few that extends this up to 24 months.

    Remember, credit card companies will only make money if you forget to pay your bill on time. So, don’t forget.

  4. Watch out for Promos. Take a good look if there are on-going promos you can avail when using your card. We’ve seen shops giving additional discounts when using either Visa or Mastercard while others have partnership with banks to give you more discounts when you use their card.

    You can visit the bank’s website or download their app (BDO has Deal Finer here) to check what deals you can get with your intended purchase.

  5. Don’t Forget the Points! Almost all credit card providers have some sort of points for every purchase you make. Other even have a specific card type for specific uses like gas, groceries or flight miles.

    Take advantage of those points, especially the ones which allows you to get double the usual points. You can even use your existing points as partial payment for your purchases (I use SM/BDO Rewards Points to make partial payments for purchases).

The post 5 Tips When Gadget Shopping with a Credit Card appeared first on YugaTech | Philippines, Tech News & Reviews.

5 Tips When Gadget Shopping with a Credit Card

Abe Olandres Leave a comment

Christmas is fast approaching and this week, most people will be getting their 13th month bonus or Christmas bonus. For the rest of us not getting any extra dough to spend for our holiday gifts, there’s always the ever-reliable credit card.

Here are some of the common tips we’d like to share whenever you’re going to sue your credit card wehn buying or shopping for gifts this holiday season.

  1. Subscribe to SMS Card Charges Alert. A number of credit card companies offer SMS alerts whenever you make a purchase or your card is charged. This gives you a personal confirmation that you actually made the transaction and the amount is correct.

    The alerts become very useful when you are abroad and frequently using the card. And when the unfortunate incident happens that someone else uses it, you get the notification immediately and can call up customer support to cancel or remedy the fraudulent transaction.

  2. Window Shop Online, Buy Offline. In our previous story about “Top 5 Crazy Filipino Gadget Buying Habits“, we pointed out that a lot of Filipinos tend to search online but buy offline. There’s actually a number of inherent benefits in this type of buying behavior which we’ll point out in #3 and #4.

    3. The truth of the matter is, in e-commerce, most customers use the internet for research but prefer the commerce part to be done face to face.

  3. Use Zero Percent Deferred Payment Options. Buying the new iPhone 6 or Samsung Galaxy Note 4 can poke a huge hole in the pocket if you buy in cash or straight charge into your credit card.

    Ask for a deferred payment — but be careful; make sure the deferred payment option has zero interest charge. Remember that some shops may still give you zero-interest but the SRP will be different from the cash price. Insist that you want to get a zero-interest instalment at the same final price as the cash price. Stores normally offer up to 12 months instalment but in rare cases, there are a few that extends this up to 24 months.

    Remember, credit card companies will only make money if you forget to pay your bill on time. So, don’t forget.

  4. Watch out for Promos. Take a good look if there are on-going promos you can avail when using your card. We’ve seen shops giving additional discounts when using either Visa or Mastercard while others have partnership with banks to give you more discounts when you use their card.

    You can visit the bank’s website or download their app (BDO has Deal Finer here) to check what deals you can get with your intended purchase.

  5. Don’t Forget the Points! Almost all credit card providers have some sort of points for every purchase you make. Other even have a specific card type for specific uses like gas, groceries or flight miles.

    Take advantage of those points, especially the ones which allows you to get double the usual points. You can even use your existing points as partial payment for your purchases (I use SM/BDO Rewards Points to make partial payments for purchases).

The post 5 Tips When Gadget Shopping with a Credit Card appeared first on YugaTech | Philippines, Tech News & Reviews.

Enjoying Life’s Simple Joys with your BDO Credit Card

PRNEWS Leave a comment

Everyday you go through the motions of life not knowing what each day will bring. And life as you know it, is a cycle of ups and downs, a constant rhythm of highs and lows, full of moments that will test you and at times, take your breath away.

In a nutshell, life is one exhilarating roller coaster ride. To enjoy it, you should take pleasure in everything that you do and take things one step at a time.

While most people may not have the luxury to regularly travel to some exotic island or a faraway sanctuary for a blissful escape, the best way to find happiness is to make practical changes in your everyday routine, no matter how mundane. These small changes, coupled with a conscious effort to appreciate the people in your life, the things that you have and your surroundings, will in the end, add up to a more contented and fulfilled life.

Start the day with a smile. Ever experienced a day when you’re feeling a little down and out then suddenly, someone walks in the room wearing a heartwarming smile and everything just seemed to light up? That’s what a simple act of smiling can do – it makes a difference. So, make it a habit to smile as soon as you get up in the morning because simply being able to face a brand new day is reason enough to be happy and grateful. Who knows, you might be able to brighten up someone’s gloomy day just by flashing a big, genuine and contagious smile for everyone to see.

Take a walk, smell the roses. Whether it’s for leisure or your daily commute, walking helps you clear your mind and get rid of thoughts that might weigh you down. Aside from the health benefits, walking around opens up your senses to everything that surrounds you. Take time to notice even the tiniest details as you walk around, as if seeing things for the first time. How the ray of light touches the towering skyscrapers, how parents care for their kids as they bring them to school, how exciting it is to witness unexpected reunions on a bus or MRT ride, how a tree gives you shade as you walk, how nostalgic it can be to see group of friends laughing boisterously or old couples holding hands. How a simple act of chivalry can be empowering, as a man gives up his seat for a woman or by helping an elderly cross the street. Go ahead and walk around and try to see the world in a whole new light.

Spend time with your loved ones. When was the last time you shared an interesting story with your family and friends or shared a meal with them just to catch up? If you haven’t been spending enough time with the people that matter to you most, it’s not yet too late to start now. Bond with your loved ones – talk about anything under the sun, play ball games with your kids, do chores together, listen to music and sing out loud with your best buddy. Doing ordinary things with the most extraordinary people in your life is and will always be, priceless.

Laugh out loud. Remember how that tummy-aching laughing session with your friends felt like? Probably one of the best moments in your life that you won’t ever forget. As the cliché goes, laughter is the best medicine. And best of all, its fun, free, and easy to do. Fact is, there aren’t any downsides to laughing and that’s why you should do it more often – laugh while watching your favorite sitcom or movie, or to the silliest of jokes. But most of all, laugh when you’re in the company of others and relish each and every moment spent with them.

Sleep well. Imagine waking up to a brand new day feeling refreshed after getting 8 hours of sleep. Springing out of bed and singing in the shower feeling completely positive, enthusiastic and ready to accomplish the day’s tasks. That’s what a good night’s sleep does to your system. So tonight, turn off your laptop and tablet, set aside your phone, put the lights out and treat yourself to a full 8 hours of shut eye and soak up the physical and mental benefits as you wake up rejuvenated and energetic the next day.

Free treats with a BDO Credit Card

It’s true, nothing sounds more enticing than the word “free.” Especially when you’re talking about free food and yummy treats. Aside from enjoying the simple things in life, wouldn’t it be nice if you can indulge in your guilty pleasures from time to time… for free?

Yes, you got that right – for FREE – with the BDO I Shop. I Choose. I Redeem. Promo! A minimum spend of P2,500 using your BDO or American Express Credit Card will entitle you to get FREE TREATS from Auntie Anne’s with any of their Specialty Pretzel and a Medium Old Fashioned Lemonade, or get your caffeine fix at Bo’s Coffee with any tall beverage, or indulge your sweet tooth at Brownies Unlimited with 2 packs of Brownie Chips or a box of 6pc. pre-assorted brownies, or perhaps satisfy your hunger pangs with your choice of any Kenny Roger’s Chicken combo meals and more.

The BDO I Shop. I Choose. I Redeem. Promo runs until April 15, 2014. Redemption period is until June 15, 2014. What are you waiting for? You still have plenty of time to indulge and feast on your free treats!

To know more about the best deals and exclusive perks for BDO Credit Cardholders, download the BDO Deal Finder App for FREE from the iTunes App Store or Google Play Store.