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HSBC Credit Cards: What to Choose?

The fastest and easiest way to earn free local or international flights with Philippine Airlines. Every Php45 you spend earns you 1 mile. That’s the lowest spend-to-Mile conversion requirement among travel mileage cards today. Apply now Sayang ang Miles!
Recommended for Frequent Flyers

The first international credit card in the country designed exclusively for women. It’s loaded with discounts and privileges so you can pamper, indulge and love yourself at any given time.
Specially for Women

A Gold Visa or MasterCard gives you superior spending power. Enjoy higher credit limits, premium rewards and the kind of prestige and international recognition that match your level of success.
A card for the upper class

With a Classic Visa or MasterCard, enjoy instant recognition wherever you travel. You’re sure to enjoy the best value for your money here or abroad.
Recommended for general use

HSBC Balance Transfer 0.70% Add-on Rate

Lighten up your credit card bills today. Enjoy as low as 0.70% add-on interest rate per month* when you transfer your non-HSBC credit card balance to your HSBC credit card.

* Terms and conditions apply.

Benefits and Features

Choose your preferred repayment term and add-on interest charges:
Save on interest charges with HSBC’s low add-on rates.

1.25% interest per month for 7 months
0.70% interest per month for 13 months
0.70% interest per month for 19 months
0.70%% interest per month for 25 months
Repayment terms made even lighter!
We’re giving you 1 extra month to repay your transferred balance making it lighter on your pocket. What’s more, unlike other cards, you have the option to pay as low as 5% of your outstanding balance when needed.**
Earn Bonus Points on your transferred balance and use them to redeem fabulous Rewards Items or free flights.
** Note that the Balance Transfer (”BT”) installment amount shall be posted as a regular transaction and shall form part of the total outstanding balance due on each account statement. If you revolve any portion of the total outstanding balance due in any given month, your BT installment amount shall be included in the computation of interest charges for that month. The Terms and Conditions of HSBC’s Installment Plan / RED Installment apply.
Steps to Apply
Enjoy great savings and lighter installment payments by simply following these steps:

1. Complete and sign the Balance Transfer application form
(BT form)
2. Attach the latest copy of your non-HSBC credit card Statement of Account (SOA).
3. Submit the BT form and your SOA through any of these convenient options:
• Fax to (02) 755-5070
• Drop it off at the HSBC branch nearest you.
Hurry! This is your chance to enjoy an add-on interest rate as low as 0.70% per month! For inquiries, please call (02) 85-800***.
***85-800 or 976-8000 for calls within Metro Manila
(02)85-800 or (02) 976-8000 for local mobile phones
1-800-1-888-8555 for domestic calls outside of Metro Manila
+[63](2) 85-800-00 for international calls
HSBC’s Lighten Up Balance Transfer Promo Mechanics

1. The Balance Transfer Facility of HSBC allows a Cardholder in good standing to transfer his/her outstanding card balances with other banks or credit card companies to his/her HSBC credit card. Under the Lighten Up Balance Transfer Promotion (the “Promo”), approved Balance Transfer Amounts will be subject to the following monthly add-on interest rates (the “Lighten Up BT Rates”), depending on the chosen repayment period:

No. of Months to Pay (Term) Add-On Interest Rate per Month Factor Rate Effective Interest Rate per Annum
7 months 1.25% 0.155357 25.7054%
13 months 0.70% 0.083923 15.2167%
19 months 0.70% 0.059632 15.3735%
25 months 0.70% 0.047000 15.3725%

Above Lighten Up BT Rates are valid from June 01 to August 31, 2008 only.

2. The Promo is open to all primary cardholders of HSBC credit cards (”Cardholders”) who avail of HSBC’s Balance Transfer Facility using HSBC’s Lighten Up Balance Transfer Application Form from June 01 to August 31, 2008. Both the Promo and the Balance Transfer Facility are not open to Supplementary Cardholders.
3. The Cardholder may only transfer balances from a primary, non-HSBC credit card under his/her name to his/her primary HSBC credit card. Balance Transfers from one HSBC credit card to another HSBC credit card are not allowed.
4. In order to qualify under the Promo, the Balance Transfer Amount must result to a monthly installment amount of at least Php500.00.
5. The maximum Balance Transfer Amount is 80% of the assigned limit on the HSBC credit card less the outstanding balance at the time of approval. HSBC shall have the absolute and exclusive right to approve or reject all Balance Transfer applications. Should the Cardholder’s available credit limit not be sufficient to cover the Balance Transfer Amount applied for, HSBC shall, at its sole discretion, determine and approve only a portion of the Balance Transfer Amount applied for without need to inform the Cardholder beforehand. The Cardholder shall be responsible for following up with HSBC on the status of his/her BT application. In case of rejection of a Balance Transfer application, HSBC is not required to notify the Cardholder of such rejection and the reason thereof. For this purpose, the Cardholder may call (02) 85-800 (for Metro Manila) or 1-800-1-888-8555 (for domestic toll-free where available). HSBC shall not be liable for delinquency of the Cardholder’s non-HSBC card, interest or any penalty charge imposed upon the Cardholder as a result of the rejection by HSBC of his/her BT application.
6. The monthly Balance Transfer Installment Amount shall be posted as a regular transaction on the HSBC Credit Card account and shall form part of the Total Amount Due on each statement of account. Cardholders shall have the option to pay the Minimum Amount Due, which is computed as 5% of the Total Amount Due, every month. If he/she does so, or if the Cardholder revolves any portion of the Total Amount Due in any given month, the Balance Transfer Installment Amount shall be included in the computation of the Finance Charge and Late Payment Charge (if applicable) for that month.
7. In case any portion of the Balance Transfer Amount remains unpaid after the chosen repayment period, the remaining unpaid Balance Transfer amount shall be charged the prevailing, standard monthly finance charge of the HSBC credit card.
8. Cardholders may inquire about the status of their Balance Transfer application by calling 85-800 or 976-8000 (within Metro Manila ), (02) 85-800 or (02) 976-8000 (for local mobile phones), 1-800-1-888-8555 (for domestic calls outside of Metro Manila), + [63](2)85-800-00 for international calls.
9. Once a Balance Transfer application is approved, HSBC shall pay, on behalf of the Cardholder, to the nearest payment center of the non-HSBC credit card the amount of the approved Balance Transfer Amount. HSBC shall not be liable for interest, or any over-payment of the credit card outstanding, nor for any late payment or other finance charge that the Cardholder may incur as a result of failure or delay by HSBC in making the payment before the due date of the Cardholder’s non-HSBC credit card.
10. Once approved, the Balance Transfer transaction can no longer be reversed. In case of pre-termination or cancellation of the approved Balance Transfer transaction before the end of the chosen repayment period, HSBC reserves the right to charge to the Cardholder’s account Three Hundred Pesos (Php300.00) or 5% of the Balance Transfer Amount remaining unpaid as of the date of pre-termination, whichever is higher, as a processing fee for the pre-termination of the Balance Transfer transaction.
11. The Terms and Conditions governing the issuance and use of the HSBC Credit Card and the HSBC’s Installment Plan/RED Installment are incorporated herein by reference and made an integral part thereof.
Per DTI-NCR Permit No. 2491. Series of 2008.

ChinaBank’s HomePlus Loan

Make dreams real in a house you can call your own. With China Bank’s HomePlus Loan, get as much as 80% of the appraised value with low interest rates and longer terms.

6 Reasons You Should Get a HomePlus Loan

  • Low Fixed Interest Rates — Available rate fixing are from fixed for one (1) year to fixed for ten (10) years to safeguard you against sudden rate increases
  • Flexible payment terms of up to 20 years *
  • Loan up to 80% of the property’s appraised value
  • Low insurance premiums through CBC Insurance Brokers Inc.
  • Low filing and processing fees
  • Easy and convenient loan payment via auto-debit arrangement

* Up to 10 years for condominium units

With a China Bank HomePlus loan, you can…

Read more

HSBC Balance Transfer

If you’re too burdened with your growing debts, maybe it’s time to avail of this facility from HSBC. So far, 0.70% is the lowest interest I have seen among other banks in competition. This is until August 31, 2008 only so catch it while it’s hot!

Read more

PSBank Money Card Overview

The enhanced PSBank Money Card is the first and only collateral-free personal loan product with the flexibility of a revolving credit line and a fixed term loan. It provides customers access to day and night banking from hundreds of ATM machines.

Revolving credit is a type of credit that does not have a fixed number of payments. The amount you can borrow decreases or increases depending on how much you have repaid. In a term loan, one is required to make periodic payments usually over a certain fixed period. With Money Card, you can choose from amongst terms from 3 to 36 monthly amortizations.

Product Features

Credit Facility
Revolving Credit Line and Fixed Term Loan

Loan Amount
up to PhP250,000

Loan Term
3, 6, 12, 24 or 36 months

Read more

The PSBANK MONEY CARD

FREQUENTLY ASKED QUESTIONS

Q: What is PSBank Money Card?

A: PSBank Money Card is the first and only revolving personal loan
facility that gives you access to cash day or night via ATM.

Q: What collateral will the bank be asking from me to
avail of the facility?

A: No collateral is required from you when applying for a PSBank Money
Card.

Q: How much can I borrow?

A: The minimum credit line that we give is PhP20,000 and can go up to a
maximum of PhP250,000.

Q: How do I use
my Money Card?

A: To access the credit line, you may:

  1. Withdraw cash in any PSBank, Metrobank and BancNet ATMs nationwide
  2. Use it as a debit card to enjoy cashless shopping in any BancNet affiliated merchants
  3. Issue a Money Card check (available only for clients with a minimum credit limit of PhP50,000)

Q: Why is Money
Card better than a credit card?

Read more

Standard Chartered EZ Loan

SC EZ Loan

Reward yourself with the loan that gives you everything…
At only 1.60%* interest rate!

No collateral required
No collateral, no deposit. Get readily available cash when you want it and in any way you choose to use it.

More than enough
Borrow from P20,000 up to a maximum of P1M. Use it to pay for tuition fees, to furnish your home, to repair your car, to travel & for everything else to enjoy a life of convenience and privilege.

Payment Flexibility
Enjoy the flexibility of choosing between 12, 24, and 36 monthly payment terms. The longer the term, the lower the monthly installment.

Fast Approval
Normally decided in a week, but may took up to three weeks depending on volume of applications.

Payment Vacation
Pay your first installment after 90 days from date of loan approval! That’s 3 months deferment!

Qualifications: Read more

Needs webhosting?

Perhaps Kaushal Sheth has something to say about selecting the best web hosting company for you. You may visit his website by clicking the image:

Best webhost

Selecting the best webhost is really inevitable when you want your site to run smoothly. Host Monster, Host Gator, Yahoo Host… thanks Sir Sheth, I would consider them. Hosting competitions were really tight webhosts are forced to drop prices, or offer big affiliate rewards. You’re asking other suggestions, maybe you could try webhostingpad. At only 4.95$ a month, you can enjoy most features to be unlimited. Plus you can get 25$ off with this coupon code: savenow else if that doesn’t work, you can google some other codes. What’s I love most is their affiliate program wherein they give a generous $75 per referral. With one referral, it’s like having your website hosted for free!

The Best Shopping Cart Software!

Are you selling online or wanting to sell online? There’s one software your website shouldn’t miss: an ecommerce software.

Of course, there are many open source softwares out there, but they often come buggy, lacking support, difficult to use, or simply lousy when it comes to features and presentation. So, if you want your online store to have a really good shopping cart, spending as little as 49.95$/month for ashop shopping cart software is a steal for an investment!
Take a peek of their features

From easy installation, you’ll get most of everything to your inventory, site lay-out and design, payment options, shipping and tax, search engine optimization, sales analysis, service and support, repeat customer accommodation, affiliates, sms alerts, database and system, hosting, security…

It’s really a load of feaures, but ashop believes it’s not all about it, more importantly, it’s should be built RIGHT! And that’s what ashop is all about.  They offer free 10 days trial so you can take full control of your ASHOP. Or else, you might want to test drive ashop.

Monetize your blogging prowess!

Blog Advertising - Get Paid to Blog

blog advertising
So, you blog eh? You might already heard of adsense, adbrite, bidvertiser, clicksor, yahoo publisher, and other contextual/targeted advertising methods to monetize your website. With due respect to them, their programs really pay and could be a steady source of income - yet, your website must have high traffic and click-throughs to really earn a decent amount.

If you don’t find your luck on them, you might want to consider smorty. They pay bloggers on a weekly basis to write contents for interested advertisers! You don’t need to rely on site visitors and clicks to earn again!

Just imagine, their minimum pay is $6, how many page impressions or ad clicks is that? With smorty, it’s just an article away. And no worries, you choose
what offer to accept so you’re the one who’s in control of your site’s contents!

Click the image to learn more about the smorty program.

To fire up your interest, you might want to know how much others are earning:

Kannan
$3,375.00

novaangel
$3,187.50

Tracey718
$2,262.20

catwoman25
$2,101.80

Phoebe
$1,995.00

It’s no joke! Join now!

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