If you’ve been thinking about Metrobank Credit Card Application | How to Apply for Metrobank Credit Card, then you are just like a lot of people who are exploring the possibility of owning a Metrobank credit card. Metrobank is one of the most trusted banks in the Philippines. It has an extensive network of branches and ATM all over the Philippines. If you have a Metrobank ATM card, wherever you go in the Philippines, you are bound to spot a Bancnet ATM from where you can withdraw money.

With the Metropolitan Banking Corporation, otherwise known as Metrobank, you can apply for a Metrobank Unicard, Metrobank Visa, Metrobank Value Mastercard or Metrobank Mastercard. You can apply any of these credit cards but your Metrobank credit card application will depend on your lifestyle, your income and other factors affecting your finances and your situation in life.

Compared to BPI Credit cards, which come only through Mastercard, Metrobank credit cards offer Visa option.

Before applying for your Metrobank credit card, be sure to understand how much of your salary remains after all your expenses have been deducted. If you are not yet sure how much you are spending weekly or monthly, I suggest you track your expenses for a few weeks or a few months. I have written some tips on how to Analyze your Expenses. Read on to learn more on how you can keep track of your expenses.

If you don’t analyze your expenses before applying for a credit card, you just might use your Metrobank Mastercard credit card | Metrobank Visa credit card very very unwisely. Before long, you may find yourself suffering from credit card debt needlessly!

If you are afraid that you might lose your Metrobank credit card, don’t worry, they have a new feature called designmycard. You can put your artwork or your own photo on your credit card. That’s a good way to personalize your credit card, don’t you think?

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Have you been wondering how to apply for a BPI credit card? Or have you been applying for BPI Credit Cards without noticeable success? I wrote this article originally at EzineArticles but I figured people would probably be looking for this information so I decided to repost it here at my Whatever blog.

The Bank of the Philippine Islands may be the oldest bank in the Philippines and in Southeast Asia but it is also one of the best in the Philippines. I have been using BPI credit cards for more than 2 years now and I can say that I am satisfied with what I’m getting.

Here are some tips and reminders on how to apply for BPI credit cards and BPI mastercard.

For a BPI Express Credit Card, the one that can only be used in the Philippines, you should have a minimum individual monthly income of P10,000 or a family income of P15,000. For the BPI Classic Mastercard, you should be earning at least P10,000 monthly. But if you want the BPI Gold Mastercard, your monthly income should be at least P50,000. Whoa! I’m not earning that much. At least not yet! Hahah.

You need two valid ID’s as every bank would require that to know that you are not a Jose Velarde wannabe and that you are not connected to some obscure terrorist group somewhere. You also need to show that you are earning legit money from legit sources. That said, you would need an income tax return, or at the very least a certificate of employment stating your income and your employment, of course. A proof of billing would also be necessary lest you put Mars or Pluto as your address.

In addition to this, you should be at least 21 years old. Not 18 years old mind you, but 21! You should reside in the Greater Manila Area including Bulacan and Pampanga, in Metro Davao and Metro Cebu. If you don’t have a business or residence landline phone, you should get one because it is a requirement. It’s just easy. With these tips on how to apply for BPI credit cards, you can go to the nearest BPI branch and apply.