Here are the schedules of selected commercial during the holidays:

-  China Bank branches: Open on December 24, 30 and 31 until noon or up to 1 PM.

-  Metropolitan Bank & Trust Co. will also be opened on Dec. 24, 30 and 31.

- Banco de Oro: select BDO branches will be open until 1 p.m. and those in the malls until 3 p.m. on Dec. 24.

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With BPI Express Online, you can:

• View real-time balances of your Deposits, Consumer Loans, Credit Cards, Investments and Express Cash Accounts.
• Transfer funds between your own deposit accounts enrolled in BPI Express Online and to the accounts of your family members, relatives and friends.
• Pay your utilities, loans, insurance, ISPs, country club fees and a host of other bills online.
• Reload your own or someone else’s Globe Handyphone or TM prepaid phone.
• Apply for a deposit account, auto or housing loan, credit card, E-Credit, or Express Cash accounts online.
• Request for a Stop Payment order of issued checks real time.
• Re-order checkbooks, request for copies of financial documents and other credit card related services.

The BPI Express Online is available to card holders, ATM  and passbook-based accounts.  Enroll now to http://www.bpiexpressonline.com to experience convenience in online banking.

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186. Banco de Oro Unibank Inc. (BDO)
197. Metropolitan Bank & Trust Co. (Metrobank)
200. The Bank of the Philippine Islands (BPI)
264. Land Bank of the Philippines
317. Rizal Commercial Banking Corp. (RCBC)
324. Philippine National Bank (PNB)
338. China Banking Corp.
343. Union Bank of the Philippines (UnionBank)
384. Allied Banking Corp.
387. United Coconut Planters Bank (UCPB)
398. Security Bank
415. BPI Family Savings Bank
449. Bank of Commerce
452. Philippine Savings Bank (PSBank)
466. East West Banking Corp. (EastWest Bank)
497. RCBC Savings Bank

The rankings are based on asset size in the whole Asia Pacific region including the following countries: Australia, Bangalesh, Brunei, China, Hong Kong, India, Indonesia, Japan, Macau, Malaysia, Myanmar, New Zealand, Pakistan, the Philippines, Sri Langka, South Korea, Singapore, Taiwan, Thailand and Vietnam.

Source: The Asian Banker

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BIR offers Electronic Filing and Payment System (eFPS) in cooperation with few Philippine banks. Just enroll an eFPS account then link your bank accounts to it. Participating banks include Land Bank of the Philippines, Philippine National Bank (PNB), and Metrobank. Visit their websites on how to pay your taxes online using these banks’ services.

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Hmmm, I hope to get that the Canon DSLR camera or the LG Home Entertainment set.

Here are the list of Metrobank credit card rewards and their corresponding points:

MCC Rewards

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Citibank Philippines now offers quick inquiry for their credit card holders. I am a Citibank Classic credit cardholder and one thing I avoid is to have finance charges for not paying on time. One of the reasons for Citibank finance charges are over limit and late fees. Finance charges varies, depending on your credit card limit or account type.

One of the reasons of late fees, besides not really paying on time, is the delivery of your credit card billing statement. It maybe due to an address and receiving problems or from the bank delivery process itself. So to avoid late fees because of billing statement, Citibank now offers Quick Inquiry.

With quick inquiry, you can view your transactions, electronic billing statement (PDF Format of your billing statement), balance on last statement, available credit limit, credit used, available limit for cash advance. You can also view your Paylite transactions, and cash advance PIN request. The cash advance PIN will enable you to enroll on Citibank online. With enrollment to Citibank Online, you can pay your credit card bills through your existing accounts.

For more details visit www.citibank.com.ph.

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Currently, I am using 2 credit cards, an RCBC Bankard and Citibank credit card, with credit card limits of Php 15,000.00 and Php 25,000.00, respectively. Although I was satisfied with the credit card limit each company set for my cards, I wished they were higher. After all, nearly everyone who has a credit card always has the goal of a higher line of credit. A higher credit card limit will enable you to make much higher purchases, normally purchases that you are unable to get with your current line of credit.  A higher credit card limit will be of good use, especially when you do your Christmas shopping.

There are ways that you can get a higher credit limit. Below, are some tips that will help you raise the limit of your credit.

The most important thing to do when improving your credit limit is to improve your overall level of credit worthiness. This tells banks and lenders that you can be trusted with credit, and that you are little to no risk for them. When lenders and banks look at your credit report, this is the first thing that they look for.

You can attract a lot of positive attention with a credit card company or bank with your finance purchases. You should pay them every once in a while, although you shouldn’t go out of your way to make a habit of it. Normally, this should be done as a last resort when all else fails to increase your overall chances of raising your line of credit.

Once you prove to a bank or credit card company that you can be trusted to borrow money, they may raise your line of credit. You should be careful with this strategy however, as this could only apply to your bank or current credit card company. Having a higher credit line may allow you to have more purchasing power, although it can also leave you with more fees and even an increase in your current interest and APR charges.

Another great way to increase your credit limit is to use your credit card every chance you get. When you have a credit card, don’t use it just for emergency purposes. If you save your credit card for emergency purposes only, you’ll rarely use it. When this happens, your company will begin to wonder about your spending behavior and ability to pay it back, therefore they will start to think twice about giving you a higher line of credit.

When you send in your payment, always try to pay more than just the minimum amount. If you can afford to, you should try to pay the whole outstanding amount. Doing so shows credit card companies and banks that you are striving for better credit. This way, you’ll show them that you deserve to have a higher line of credit.

If you follow the above tips, you’ll get your credit limit higher in no time at all. Once you get your limit raised, you should protect it at all costs. If you continue to strive for perfection – you’ll get a higher line of credit than you ever thought possible.

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I’ve been a Citibank card bearer for over 6 months now and so far I’ve been satisfied with their service, especially with their exclusive treats. I bought my laptop using Citibank PayLite and I chose the 12 months 0% interest for lighter payments.

I noticed, among the credit cards I’ve used, only Citibank has the greatest offers. Currently, Citibank offers one of their greatest treats to their credit card holders, their Paylite Your Child’s Tuition Fee treat.

PayLite your child’s tuition fee for as low as 0.75% add on rate per month. You can choose from 3 months, 6 months, and 12 months terms with different interest rates. The 3 and 6 months tenors have 1.00% interest rate, with factor rates of 0.343333 and 0.176667, respectively. The 12 months tenor has 0.75% interest rate and 0.090833 factor rate.

To compute for the monthly amortization:

Monthly Amortization = Tuition Fee x Factor Rate of PayLite Tenor.

Participating schools are the following:

Asian Institute of Management
Bikram Yoga Manila
Britesparks International School
Cebu Doctor’s University
Center for Asian Culinary Studies
Colegio De San Agustin
De La Salle University
Gymboree – Shangri-la Mall and Manila Polo Club
La Salle Green Hills
Miriam College
Multiple Intelligence
O.B. Montessori
Our Lady of Perpetual Succor College
PAREF Northfield
PAREF Southridge
Philippine Center for Creative Imaging
Saint Michael’s College of Laguna
St. Mary of the Woods
St. Paul College of Pasig
University of Asia and the Pacific
University of Sto. Tomas
University of San Carlos

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1. Delete the cache and cookies from your computer.

To do this in IE (Older version):

1) Open Internet Explorer and click on Tools
2) Click on Internet Options
3) On the General Tab, in the middle of the screen, click on Delete Files
4) You may also want to check the box “Delete all offline content”
5) Click on OK and wait for the hourglass icon to stop after it deletes the temporary internet files
6) You can now click on Delete Cookies and click OK to delete cookies that websites have placed on your hard drive.
7) Restart your computer and try again.

To do this in IE (Newer version):

1) Open Internet Explorer and click on Tools
2) Click on Internet Options
3) On the General Tab, Locate Browsing History and click on Delete.
4) Click on Delete Files
5) Click on Delete Cookies
6) Restart your computer and try again.

To do this in Mozilla (Netscape, FireFox, etc.)

1) Open your browser and click on Tools
2) Click on Options
3) Select Privacy
4) Locate Private Data and click on Clear Now
4) Click on the buttons to Clear your Cookies and Cache and click Clear Private Data Now
5) Restart your computer and try again

Additional tips for ordering:

*Credit card number should be entered with NO spaces or dashes
*The CVV code on Visa/MC will be a 3 digit number on the BACK of the card
*The American Express CVV is the 4 digit number on the FRONT of the card
*Type your name exactly as it appears on the credit card
*Avoid hitting the back button when making the purchase

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• View your account summary
• View your transaction details
• Inquire the status of the check/s you issued
• Inquire the total amount & total number of check/s you deposited but subsequently returned
• Pay your bills immediately or in the future
• Transfer your funds to your other account/s or to your nominated 3rd party account/s immediately or in the future
• Reorder checkbook/s
• Report your lost/stolen ATM card online

To enroll, you can go to http://lbpiaccess.com/. A note of caution: Don’t forget to logout properly because they’re very strict at it. Like in my case, I accidentally closed my account, now I couldn’t access it. It’s also advisable that you log off especially when you’re using a public computer.

Update:

Disclaimer: I am in no way affiliated with Land Bank iAccess and any of their services, so I cannot answer you with your complaints and inquiries. You can try to contact them through:

For iAccess concerns:

iAccess email – lbpiaccess@mail.landbank.com
iAccess Helpdesk – (02)405-7800

For Other Bank products and services:

LANDBANK website – https://www.landbank.com
Customer Care Center – (02)405-7000 (NCR) or 1-800-10-405-7000 (Toll free for PLDT landlines)

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