When is It Really Better to Use Your Credit Card?
In these extraordinary times, every safety measure counts. Wear a mask, wash your hands, keep your distance—these are the basics and the bare minimum. But if you care about your safety and the safety of your loved ones, you’d go the extra mile and take further precautions.
Going cashless is one such precaution—a way of minimizing the contact that comes from money changing hands—and there’s never been a better time for it.
Credit cards are the world’s most recognized cashless payment option, and so it’s even more important now to get one for yourself. The COVID-19 pandemic, they say, is forcing the inevitable, and you could say that about credit cards, too—there had already been many great reasons to own one, but now, it’s a matter of safety as well.
So if you haven't gotten yourself a credit card yet, here are more reasons you should:
Safely shop online
These days, leaving the house poses a huge risk, so it’s better to do your shopping online. Good thing this is perfectly possible now: Everything’s available for delivery, from groceries to clothes and medicine. Having a credit card makes it safe, too, in more than just one way: You minimize contact (even cash-on-delivery payment can pose a level of risk) and you also get credit card fraud protection.
Easily pay for bigger purchases
Now that you’re staying at home, you’re probably redecorating and replacing old appliances. Need a new washing machine? Put it on plastic so you can stagger the payment across a few months (a godsend, especially in these times). Finally pulling the trigger on a new laptop, so you can work from home better? Charge it so you can earn points and rebates. You can breathe easier and get better deals—it’s that simple.
Worry less about your bills
Speaking of breathing easier: It’s much easier to pay for bills when you have a credit card, because you can have recurring expenses auto-charged. This way, all you have to remember is the due date for your credit card bill, which lists your other bills in it. This makes budget-monitoring easier and less cluttered.
These are just three general reasons why owning a credit card is important now, and there are certainly many more reasons that are specific to you and the card you choose.
If you’re applying for a Metrobank card for the first time, know that you stand to gain even more. From July 16 to October 15, 2020, all new Metrobank customers (that is, customers who do not have an existing or canceled principal credit card issued by Metrobank and have not had one in the last six months) who apply and are approved for a credit card will get a Welcome Gift of up to P5,500 worth of rebates when they spend P30,000 anywhere. (New holders of non-premium cards will enjoy a P3,000 rebate, and holders of premium cards will enjoy a P5,000 rebate. Plus an additional P500 if they apply online.) They’ll be able to redeem these rebates through a Giftaway.ph link that will be sent via SMS when they reach the required spend.
That’s a huge value for new credit card holders—and just another good reason (or perhaps another 5,500 good reasons) to go cashless with a Metrobank Card.