Swiping Worries? To Use or Not to Use Your BPI Amore Credit Card?

So, you’ve got your shiny new BPI Amore credit card, congrats! It feels great to be an adult, right? But then, the questions start swirling like your favorite halo-halo. “Do I really have to use this thing every month?” “What happens if I don’t?” Don’t worry, I get it! Let’s break it down, parang nag bubukas lang ng baon.

Decoding Your Credit Card Concerns

First off, let’s clear the air. No one is going to hunt you down for not using your BPI Amore card every single month. Kalma lang! You won’t get penalized for leaving it untouched for a bit.

However, like that delicious leche flan in your fridge, letting your credit card sit idle for too long can have some downsides.

The “I’m Not Using It” Scenario

Think of it like this:

• Annual Fee Blues: BPI Amore, like many rewards cards, comes with an annual fee. You usually need to hit a certain spending amount each year to get it waived. If you’re just letting the card chill, you might be paying for perks you’re not even using. Sayang naman!
• Credit Score Slumber Party: Using your credit card responsibly and consistently helps build a good credit history. It’s like showing banks and lenders you can handle your finances. A good credit score can be your ticket to bigger loans with lower interest rates down the line – think dream house, new car, or even just that emergency fund peace of mind.
• Perks Gone Unused: The BPI Amore card often comes with tempting perks like shopping discounts, freebies, and even travel miles. Not using the card means missing out on these treats. Who doesn’t love a good deal, diba?

Using Your BPI Amore Card Wisely

The key here is responsible use. Think of your credit card as a handy tool, not a bottomless pit of money.

Here are some tips for using your BPI Amore card like a pro:

1. Track Your Spending: The BPI Mobile app is your new best friend. It helps you keep tabs on every swipe, so you don’t overspend.
2. Pay On Time, Every Time: Late payment fees are a big no-no! Set reminders or automate your payments to avoid them.
3. Use It for Everyday Purchases: Groceries, gas, utility bills – charge those regular expenses to your card and then settle the balance in full by the due date. This way, you’re earning rewards without paying interest.
4. Take Advantage of Promos: Keep an eye out for special deals and discounts exclusive to BPI Amore cardholders.
5. Treat Yourself (Responsibly!): Using your card for the occasional treat is fine, as long as you’ve budgeted for it.

To Sum It All Up:

• You DON’T have to use your BPI Amore card every month, but it’s generally better for your financial health if you do.
• Responsible and consistent use helps build good credit and unlocks those sweet, sweet rewards.
• Think of your credit card as a tool for convenience and financial growth, not a free pass to overspend.

There you have it! You’ve got this, kabayan!