How to Apply for a BPI More Fun Prepaid Card

This is part two of my post here.

And no, I am not paid to do this post. I am just amazed at this discovery and want to share it with you.

Before I begin, let me reiterate the difference between a prepaid card and a debit card. First, while you can use both cards for physical transactions, you can't use debit cards online (at least in my experience!). Usually, in online transactions, when they ask for credit card details, you can't input your debit card details. (An example is GoDaddy.)

Second, you can't withdraw your money from this prepaid card. So when you decide to get this, make sure you only deposit your "extra" cash.

Application

Click here to read more on how to apply for a BPI More Fun Prepaid Card.

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BPI More Fun Prepaid Credit Card

So I just got myself a credit card.

My first one, in fact, as I had always just borrowed mother's CC for unavoidable transactions. I was wary of getting one because I don't want to be into debt; thus, I almost always pay for stuff in cash. If I use a credit card, I like to pay it as soon as I can.

So why have I gotten myself a credit card?

Well, because it's prepaid.

Remember what I said in my last blog? When I told you how we waited for almost 3 hours in BPI? Ito yun. I was lining up to claim by BPI More Fun Prepaid Credit Card.

Why did I choose this over other credit cards? 

Again, it's prepaid, which means if I use it, I'm not using the money I don't have. On the contrary, I will be spending my own cash (in card form). Think of it as the child of the credit card and the debit card.

What is the difference between a prepaid credit card and a debit card?

Click here to read my review of the BPI More Fun Prepaid Card.

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Finance Friday: Which Credit Card Suits You Best? (Guest Post)

In our household, we only have one credit card. I wouldn't go into details as to what bank it is, but we maintain just one credit card among all of us (5 family members). This credit card is essential to us especially when the banks are closed and we haven't withdrawn money yet. This is also very handy when we make transactions such as booking flights.

However, we only use one credit card because we don't want to become slaves to it. We try to live by this rule: a credit card is just a transaction tool, not an actual fund. This means we only use a credit card when we know we could purchase what we bought even without the card. But how would you know which credit card suits you best?

To know this, here's a very informative guest post from our friends from MoneyMax.ph.

Find Which Credit Card Suits You Best

Credit cards offer great convenience, especially to moms who are in charge of budgeting the family’s income and taking care of the needs of each family member. If you’re smart about using your credit card, you can earn rewards and be able to enjoy its maximum benefits.

For one, a credit card can help you keep better track of your expenses, since it keeps an electronic record of every purchase you make. A card can also serve you well in times of emergency, when an important expense arises and you find yourself short of cash.

If you’re just planning to get a credit card, here are ways on how to know which one to pick:

Consider Your Needs
What do you need the credit card for? As the home manager, you can use a credit card for shopping purposes, particularly the daily needs of your spouse or children such as groceries, clothing, and school supplies. You might need a card to be able to buy your college student a new laptop, at more affordable terms. Credit cards can now even be used for paying tuition fees in some universities.