Savings Account and Debit Card vs. Prepaid Card vs. Credit Card
Even reading a boring book wasn't able to make me sleepy.
Disclaimer: Wala pa 'ko masyaodong alam pagdating sa ganitong bagay. Based on experience 'to halos!
Taglish ulit tayo ngayon, ang hirap mag-isip. ;)
I have accounts on three local banks specifically Banco de Oro, BPI Family Bank and EastWest Bank.
Pati sa Savings Account ko may compartmentalization e noh? Haha!
1. I've had my BDO account way before I started this blog so it's understandable that I don't have a blog post for that but I maintain an account with a passbook and atm card. (Kabayan Savings 'to kaya P 50.00 lang ang ADB kung may remittance ka at least once a year.)
2. I've had my BPI Family Savings Bank account since March.
3. And my latest bank account from Eastwest Bank which I opened today.
What is the common denominator? All of them have low maintaining balance.
Kasi kung sa kagaya ko na hindi pa talaga stable ang pasok ng pera pero infairness, consistent na lumalabas! Malaking tulong 'yung hindi ka kakabahan na mag-fall ka below ADB eh. Saka hindi malaki 'yung kailangan mong pera bago makakuha ng interest 'yung ipon mo.
When the student is ready, the teacher will arrive.
Oh, ako teacher ngayon! Ready ka ba sa isang mahaba-habang kwentuhan?
Ang pinakabanko ko sa tatlong 'to e ang BDO, bale sa BDO nakalagay 'yung revolving fund ko. Hindi naman sa maraming laman 'yung S.A ko. Mas gusto ko lang talaga na ganito ko mini-maintain.
Meron akong S.A na may passbook at atm, prepaid card at credit card.
Meron akong S.A na may passbook at atm, prepaid card at credit card.
Paano ang sistema sa pag-maintain ko ng account na 'to:
Ginagamit ko online banking ng BDO at naka-link dun 'yung Cash Card at Credit Card ko. Online na 'ko magbayad ng bills ko sa Credit Card at madali ko lang nare-reloadan 'yung Cash Card ko pag kailangan ko ng pera. Wala naman bayad ang cash card reload at bills payment online eh. Matipid sa pamasahe at mas convenient pa nga.
Kaya nga tayo gumawa ng ATM natin kasi nakakatakot magdala ng malaking pera, e pag dala mo 'yung totoong ATM mo, hindi ka ba kakabahan lalo kung andun lahat ng savings mo? Ako, oo eh at hindi pa malaki laman nun. Kaya mas minabuti ko na lang kumuha ng Cash Card mas safe pa na walang overspending kasi kung ano lang 'yung naka-load, 'yun lang pwedeng gastusin. Pag wala ka namang pera, mas madaling magpalusot, "Ay sorry, wala kong pera ngayon e hindi ako nakapag-transfer ng pera sa cash card ko." hahahahahahaha!
Napansin ko na maraming tumitingin ng tungkol sa savings bank na posts ko. Nilagay ko 'to rito almost ten years ago and thanks, everyone, for continuously accessing them but we now have better options if we're talking about the interest that our money will gain while deposited.
Unfortunately, I wasn't able to keep the two bank accounts that I wrote about before and stuck with BDO because there's a branch a few blocks away from home making it the most convenient traditional bank for me at the moment. And well, my credit card is still with BDO so yeah.
While the information in this post are still relevant. Digital banks are emerging these days and I made the switch. Here's my review of two Digital Banks here in the Philippines:
Debit Card vs. Prepaid Card vs. Credit Card
Alin kaya ang magwawagi?
Hmm. Depende sa pangangailangan mo.
Debit Card - Parang ATM lang 'yan na naka-direkta sa Savings Account mo. Pwede mo ng pa-swipe swipe lang agad. Iwas sa pila ng ATM lalo na kung araw ng sweldo na karamihan sa ATM e walang lamang pera at sobrang haba ng pila. Paminsan may banko na nagbibigay ng rewards kagaya ng rebate sa mga gumagamit ng debit card. Ang mahirap lang dito kung wala kang self-control baka maubos mo buong savings mo sa isang sale lang. Sa Debit Card, "Buy Now, Pay Now."
Prepaid Card - Parang Debit Card din 'to kaso hindi naka-direkta sa Savings Account mo. Para sa mga kagaya kong malakas gumastos, mas okay 'to para sa'tin. I-connect lang sa savings account mo gamit ang online banking ng banko para makapag-reload ng kailangan mong budget para sa araw na 'yon. Kailangan mong mag-survive sa naka-budget mong pera dahil you can't spend what you don't have, di 'ba? Sa Prepaid Card, "Reload Now, Buy Later."
BDO Cash Card vs. Eastwest Bank Prepaid Card link: here.
BDO Cash Card vs. Eastwest Bank Prepaid Card link: here.
Credit Card - From the word credit itself, utang 'to. Kung meron kang Credit Card, para bang you can spend even if you don't have. Tsk. Gamit kasi ang credit card, makakabili ka ng mga bagay on installment basis without interest pa nga paminsan, makikinabang ka sa float period o 'yung grace period mo bago mo kailanganin bayaran 'yung bagay na binili mo, makikinabang ka rin sa iba't iba pang perks ng pagkakaroon ng CC kagaya nga nitong I Shop. I Choose. I Redeem ng BDO at meron din 'tong points sa bawat paggamit na maaring gamitin pag redeem ng iba pang rewards. Sa Credit Card, "Buy Now, Pay Later."
Ikaw? Paano mo mina-manage S.A account/s mo?
1 comments
Yung cash card po ba pwedeng gamitin as credit card?
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