Acquiring a credit card requires absolute discipline and you must be very good when it comes to budgeting as they say. As for me, I use my own credit card when paying for my groceries and other necessary stuff for the house or simply for my son's needs.
During a tete-a-tete with Ms. Angela C. Mirasol, Vice President and Marketing Group Head
RCBC
BANKARD SERVICES CORPORATION, or otherwise known as Ms. Anj, she was very helpful in explaining to us the flexibility and mechanics of the RCBC Bankard UNLI0% installment.
Anj Mirasol has more than a decade’s
experience in Marketing. She has handled
various products and services from debit cards, to electronic channels, and now
leads the Marketing Group of RCBC Bankard, in marketing the RCBC –issued RCBC
Bankard credit cards.
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Ms. Angie Mirasol
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Anj strongly believes that Marketing has a
strategic function and goes beyond running promotions. She is actively involved in branding initiatives
as well as in the development of products, product features, and benefits.
From 2012, when she joined RCBC Bankard, she
was actively involved in the launch of two co-branded specialty cards: the
Fully Booked RCBC Bankard MasterCard, and the HBC-RCBC Bankard MasterCard. She also collaborated in the development and
launch of the Exclusive Travel Privileges and the proprietary Unli 0% which are
both deemed as compelling differentiators for RCBC Bankard.
Last year, RCBC Bankard was recognized
internationally in the Retail Banker International Asia Trail Blazer Award, as 2014
Product Excellence in Credit Cards, and as Credit Card Product of the Year 2014-Philippines,
in the Credit International & Payments International Trailblazer Award.
Previous to joining RCBC Bankard Services
Corporation, Anj worked with the Bank of the Philippine Islands, as OIC of the
Electronic Channels Marketing & Sales Division.
Anj graduated with a degree in Bachelor of
Arts, Major in Philosophy, at the Ateneo De Manila University, and took her MBA
at the University of the Philippines, where she was awarded top 5 of the
graduating class.
Having such a well-defined credentials, great achievements and diverse experience in banking, Ms. Anj was able to answer all the queries being asked to her during our lunch out. Being a single parent like yours truly, one of my main concerns is about financial. We must admit, life's not that always smooth sailing, or sometimes, we may need to prioritize our finances and in some cases, during emergency cases, we do count on this plastic card that pays, and that's our credit cards.
I wanna commend RCBC Bankard for coming up with this kind of program, the Unli0% installment. Ms. Anj was able to explain to us clearly that for example, we use our RCBC Bankard to pay for our grocery this month, it's not going to reflect or earn interest for the next three months, isn't it amazing? That's a lot of help for us, homemakers and cardholders, right? We need not worry about it for 3 months and at the same time, we can also save some money.
Converting straight purchases to 0%
installment all year round is now possible with RCBC Bankard.
With the Unli 0% installment feature,
cardholders need not worry about paying immediately for every purchase they
make because they can convert every transaction to 0% installment for 3 months
at any given time of the year.
With no limitation on the purchase amount
or the number of times they can avail of the feature, cardholders are able to
manage their funds better and keep within their budget. Moreover, they do not
have to worry whether or not the merchant allows installment purchases. All
they have to do is charge the purchase to their RCBC Bankard then call RCBC
Bankard’s Customer Service number at 888-1888 or 888-1883 (for Platinum,
Infinite, or World cardholders) and request that their purchase be converted to
0% installment.
UNLI 0% is the first of its kind card
offering that gives RCBC Bankard cardholders the unprecedented privilege of
being able to manage their finances better since they can convert ALL their
STRAIGHT purchases to 0% INSTALLMENT.
With UNLI 0% cardholders can purchase any
item, at any amount, anywhere, including overseas and online, and have these converted
to a three month, 0% installment payment term, by simply calling the RCBC
Bankard Customer Service hotline.
UNLI 0% is the most flexible 0% Installment
Program with NO LIMITATIONS.
>>UNLI 0% is not limited to the number of
accredited merchants.
RCBC Bankard will be able to convert
straight transactions to 0% installment, regardless if the merchant or
establishment is accredited with RCBC Bankard.
Other card companies/Issuers can only process transactions from their accredited
merchants.
>>UNLI 0% is not limited to amount.
Merchants will require a minimum of
Php3,000 or US$68.18 (@ Php44=USD1.00) for 0% Installment. With RCBC Bankard, this is not a limitation
because it is processed as a straight transaction, and therefore is not covered
by the 0% Installment minimum amount purchase requirement imposed by the
accredited merchants.
>>UNLI 0% is not limited to location.
Accredited merchants for 0% installment are
limited to locations where pre-programmed POS terminals are deployed. With RCBC Bankard, regardless of the POS
terminals used, RCBC Bankard can convert the purchase to 0% installment,
including online and overseas transactions.
The UNLI 0% INSTALLMENT PROGRAM (“UNLI 0%”)
is a proprietary program of RCBC Bankard Credit Cards.
WHY DID RCBC BANKARD INTRODUCE UNLI 0%
In the Philippines, a common problem of
credit card holders is “excessive debt”.
Credit Card doesn’t feel like cash to cardholders so they spend more
liberally whenever they’re using their plastic.
While the card company can benefit from the finance charge, unwise use
of the card can be detrimental both for the cardholders and for the card
company in the long run. Given the
possible pitfall that our cardholders may fall into, RCBC Bankard developed
proprietary financial management tools:
>>Spend Monitor provides cardholders with
free SMS alerts for defined transactions that they have set during
registration, including getting an alert if they already exceeded their
predetermined monthly budget for their card.
>>Spend
Analyzer, transforms the statement of account from a simple notice of monthly
dues to a comprehensive financial management tool that guides cardholders in
understanding their monthly and their year-to-date spending by printing the
summary of purchases according to categories including: Supermarket, Department
Store/Apparel, Dining, Motoring, Medical, Utilities, and Others.
>>Unli 0%
is a proprietary program that allows cardholders to manage their cash
flow better since they can pay for all their straight purchases in three months
at no interest. This is offered during
heavy spending season including back-to-school (April-June) and the Holidays
(October-December). It has been made
available all year round for purchases made overseas.
Unli 0% has been developed because we saw
the benefits of the 0% Installment Program and its limitations. 0% Installment
is advantageous for cardholders who cannot afford to pay for the item/service
outright, as well as for those who want to manage their cash flow. However, while it is helpful, it is limited
in terms of merchants and locations. These
limitations served as our opportunity in developing Unli 0%. With Unli 0%, all straight purchases can be
converted to 0% Installment. Our
cardholders enjoy better cash flow management because they can settle their
purchases made in the Philippines or abroad in easy, affordable payments.
Being the first and only credit card to
provide a no-limits 0% installment program our cardholders have the unique
privilege of being able to afford better things and better experiences, and
since they have the tools to manage their spending better, they can avoid
falling in the “debt trap” which is a common pitfall for other credit
cardholders. Unli 0%, along with RCBC
Bankard’s other complimentary and proprietary financial management tools, have
managed to transform the credit card from a tool for overspending to a device
for wiser spending.
I wanna share you some of the testimonies of the cardholders:
“Life is indeed difficult if you’re a
single parent but thanks to my RCBC Bankard I was able to stretch my budget. I
used to pay all my bills in cash but now
that I have my RCBC Bankard, I
can budget my money as best as I can. RCBC Bankard’s Unli 0% allowed me to
make big ticket purchases then pay in 3 months installment. This also helped me
save funds without limiting my spending power via my credit card. Thanks RCBC
Bankard for helping me all the way!”
---Joseph Rey Bacalso
“Having an RCBC Bankard credit card has
improved my life in more ways than I can imagine. Now that I am sending my son
to school for the first time, my trusty credit card has done it again for
me. Education can be expensive but it is
an investment that is worth every peso.
Today was his first day in school, seeing our four-year-old son happy
and utterly friendly to everyone, was the complete validation that we made the
right decision to send him in this school.
I thank RCBC Bankard for making this possible. UNLI 0% Installment is the perfect help this
time of the year – enrollment season! With my RCBC Bankard, I can take care of
school fees and still spend wisely.”
---Ma Regina Ronquillo
“I’ve had my RCBC Bankard since 2009 but I
never thought this would help me put up my business! When I gave birth to my
third baby I decided to stop working so I could stay at home to take care of my
3 kids. I started to think of putting up a business that I could manage as a
full time mom. I decided to put up a" retail store" at home and the
only thing I had to help me fill up my store was my RCBC Bankard. Thank you so
much RCBC Bankard for offering services
that suit my business like unli 0% that
make it perfect for my growing business.”
---Mary Joy Endique
Amazing peeps, why don't you apply for an RCBC Bankard, own one now and let yourself and your family experience the great things it has to offer.
Thank you for always being here amazing peeps! Hope it wouldn't take much of your time if I'd ask you to
Ciao! 'Til our next!
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