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May Debit Card ka ba?

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posted July 29, 2009 09:32AM
mybahay
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Bakit kaya parang mas konti gumagamit nito kaysa credit card?

Basta, para iwas irresponsible spending, debit card na lang muna.

Ano masasabi ninyo?

Kung meron, ano po bang magandang debit card ngayon?

Ano rin ang pagkaka-iba nila sa ATM card? 
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posted July 29, 2009 09:37AM
edper
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honestly, ngayon ko lang narinig debit card. usually kasi credit card naririnig ko. hehe
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posted July 29, 2009 09:39AM
mybahay
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that's the point of this topic. add ko na rin, ano ang pagkaka-iba nila sa ATM card?
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posted July 31, 2009 06:13AM
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Debit cards are safer to use than Credit Cards..
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posted July 31, 2009 06:17AM
spize0238
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Ako BDO lang ang debit card ko at sa SM ko lang ginagamit. ^_^
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posted July 31, 2009 06:21AM
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spize0238 posted on July 31, 2009 06:17AM
Ako BDO lang ang debit card ko at sa SM ko lang ginagamit. ^_^

Wala ka pa ba sis ng Eon?

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posted July 31, 2009 06:23AM
arondgreat
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ako may may debit card.  gusto ko ring malaman ang kaibahan nito sa atm card
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posted July 31, 2009 06:37AM
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arondgreat posted on July 31, 2009 06:23AM
ako may may debit card.  gusto ko ring malaman ang kaibahan nito sa atm card

You can use it pangpurchase sa stores nationwide..
Pag international Debit Card naman edi worldwide..
at pwede rin gamitin sa internet..

ang kaibahan lang.. wala itong Credit Limit..
pag walang laman.. wala kang magagawang purchase.. hehe

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posted July 31, 2009 06:53AM
chibd
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Ok pag...

ATM (Automated Teller Machine) CARD - if you open an account (normally it's a savings account) in one particular bank they will issue you this to avoid the inconvenience of going back to the bank just to withdraw your money. If you want to go out for a shopping you just go to any bank that is affiliated with your bank or it's proccessor such as Megalink and Bancnet to withdraw your money in the nearest ATM of your location.

DEBIT CARD - once you open an account (savings or current) in any bank this is normally being issued to their client. Same thing with ATM Card you can withdraw your money thru ATMs only. The difference is you don't have to go thru the line 'coz you can swipe it on the terminal machine of the cashier and the amount you purchased will automatyically be debited from your savings or current account. Advantage is wala kang utang.

CREDIT CARD - from the root word itself, utang. People usually use this if they want to buy something without bring cash. Monthly billing statements will be delivered to your haouse or office address depends on what you marked in the application form. Some advantages on this one are...
1. Same with Debit card, you don't have to withdraw your money thry an ATM
2. It builds up high credit score which is one of the requirement if you want to take a loan (but 
    neccessary but can do a big help)
3. You can buy anything you want until you reached your Credit Limit (it dictates how much can you 
    buy or use your credit card)
4. You can buy what you want without using your savings.
5. You can use it for emergency. For example you can still something even if you wasn't able to
    withdraw and your ATM is offline.
6. You can earn a reward point that can be used in your most unxexpected days... (Rebate on gas,
    discounts on resturants, remember the commercial... "Sayang ang miles"...?
7. You can pay the items you purchased upto 18 months, zero interest
8. You can purchased online and pay thru paypal, epay, etc.
9. Can be converted to cash (advanced)


This are some disadvantages...

1. If you wasn't able to pay your monthly billing statements on time, interest or I may say charges
    will be added hanggang tumaas ang bayarin mo.
2. Pwedeng makasira sa record mo dahil bad payer ka. Pag nagkataon di ka na makakapag-loan sa
    bank as well get a credit card in the future.
3. May ibang company na nag-Credit Investigations at pagnakita ang credit lines mo di ka
    matatanggap kahit high qualified ka.
4. Mas makukuha mo ng mura ang item if your going to pay cash compared in paying credit cards
5. Pagnawala ang credit card mo, other people can use it just by compying your signature
6. Your credit card numbers (can be seen on the front-lower-left part, normally it's a 14-16 digits) and
    your Security Code (can be seen at the back-middle-left part, normally it's a 3-4 digits) can be copy 
    ng mga loko-lokong cashier that they can used for their own good (like what happened to Arnel
    Ignacio versus the gasoline cashier)
  
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posted July 31, 2009 06:54AM
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Very informative post..
Thanks..
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posted July 31, 2009 06:54AM
great2find
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This is safer than cash and wala kang aalahanin na maniningil sa iyo kahit maubos mo pa laman nito kasi kung ano lang pondo nito na galing din sa bulsa mo... yun lang din ang limit (tama ba?) ..... Pero di ko pa na-try.... maganda siguro ito sa online purchases
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posted July 31, 2009 07:02AM
chibd
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great2find posted on July 31, 2009 06:54AM
This is safer than cash and wala kang aalahanin na maniningil sa iyo kahit maubos mo pa laman nito kasi kung ano lang pondo nito na galing din sa bulsa mo... yun lang din ang limit (tama ba?) ..... Pero di ko pa na-try.... maganda siguro ito sa online purchases

This is safer than cash and wala kang aalahanin na maniningil sa iyo kahit maubos mo pa laman nito kasi kung ano lang pondo nito na galing din sa bulsa mo.
-
Agreed!

un lang din ang limit (tama ba?)
- correction lang po... Mataas kasi ang bibibigay na credit limit ng bank issuer pag malaki ang nakita nilang savings mo. So Kung ang mentality ng isang credit card holder ay " ok lang pwede naman sa credit card bayaran eh" ... ma-tempt siya gamitin at isagad ang credit limit niya.

Pero di ko pa na-try
- kung di nyo naman kailangan wag nyo na munang itry hangga't di kayo ready how to balance your expenses.



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posted July 31, 2009 08:36AM
phill03
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mybahay posted on July 29, 2009 09:32AM
Bakit kaya parang mas konti gumagamit nito kaysa credit card?

Basta, para iwas irresponsible spending, debit card na lang muna.

Ano masasabi ninyo?

Kung meron, ano po bang magandang debit card ngayon?

Ano rin ang pagkaka-iba nila sa ATM card? 

nagbabalak na nga kami mag-open nito ng hubby ko eh.

BPI- 150 ang processing, no maintaining balance
BDO- 120 proccessing fee plus 200 initial load. No maintaining baLance
Eon Card(union bank) - 350 processing fee, no maintaining

ewan ko lang po sa ibang banks...

advantage nito- controlado mo ang pag gastos.. unlike sa credit card kahit walang pondo yung card mo pwede kang gumastros
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posted July 31, 2009 08:38AM
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phill03 posted on July 31, 2009 08:36AM
mybahay posted on July 29, 2009 09:32AM
Bakit kaya parang mas konti gumagamit nito kaysa credit card?

Basta, para iwas irresponsible spending, debit card na lang muna.

Ano masasabi ninyo?

Kung meron, ano po bang magandang debit card ngayon?

Ano rin ang pagkaka-iba nila sa ATM card? 

nagbabalak na nga kami mag-open nito ng hubby ko eh.

BPI- 150 ang processing, no maintaining balance
BDO- 120 proccessing fee plus 200 initial load. No maintaining baLance
Eon Card(union bank) - 350 processing fee, no maintaining

ewan ko lang po sa ibang banks...

advantage nito- controlado mo ang pag gastos.. unlike sa credit card kahit walang pondo yung card mo pwede kang gumastros

Pinakamaganda sa Online ang Eon Card ng Unionbank..
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posted August 7, 2009 07:27PM
shapeupnow
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tatlo ang debit card ko yan kasi malimit kong gamitin instead of cash
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posted August 8, 2009 09:18AM
jane1803
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meron akong isa lang
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posted August 8, 2009 01:23PM
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shapeupnow posted on August 7, 2009 07:27PM
tatlo ang debit card ko yan kasi malimit kong gamitin instead of cash

mas ok kasi mag shop gamit ang debit card kesa sa cash..
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posted August 8, 2009 02:04PM
ptcsiteptc
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phill03 posted on July 31, 2009 08:36AM
mybahay posted on July 29, 2009 09:32AM
Bakit kaya parang mas konti gumagamit nito kaysa credit card?

Basta, para iwas irresponsible spending, debit card na lang muna.

Ano masasabi ninyo?

Kung meron, ano po bang magandang debit card ngayon?

Ano rin ang pagkaka-iba nila sa ATM card? 

nagbabalak na nga kami mag-open nito ng hubby ko eh.

BPI- 150 ang processing, no maintaining balance
BDO- 120 proccessing fee plus 200 initial load. No maintaining baLance
Eon Card(union bank) - 350 processing fee, no maintaining

ewan ko lang po sa ibang banks...

advantage nito- controlado mo ang pag gastos.. unlike sa credit card kahit walang pondo yung card mo pwede kang gumastros

how much po ang annual fee ng debit card ng BPI, BDO meron po ba?
 
Debit card ko Unionbank Eon card lang.and payoneer pala.na d ko pa nagamit mula ng nakuha ko. :) eon card lang gamit ko.
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posted August 8, 2009 02:09PM
chuanora
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pag debit card hindi ka matetempt gumastos
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posted August 8, 2009 02:20PM
charry612
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Wala kahit credit wala ako. wala kasi akong proof of income.


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posted August 8, 2009 06:40PM
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sino nakagamit ng Payoneer Debit Card dito?
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