Philippine HSBC Credit cards

HSBC has managed to live up to their tag line; it is truly the world’s local bank. Founded in 1865, HSBC has grown into an enormous banking institution offering unparalleled service in its 9,500 offices in 79 countries and territories. Laurels attached to HSBC customer service are unending, who always strive hard to develop accessible and innovative products that enhance the life of its customers.

HSBC Visa and Mastercard

The power to earn rewards in exchange for discounts and special deals comes with both the HSBC Classic Visa and the HSBC Classic MasterCard. Select what suits you best then treat yourself. Wherever you are, the convenience of cashless transactions will follow.

With your HSBC Gold Visa or HSBC Gold MasterCard, you get all the benefits of a Classic plus a higher credit limit. Take pleasure in more discounts, special deals and extra perks.

When you travel with a Gold, jet-setting around the world can be a winning experience.Find flexibility and freedom when making purchases, wherever you are in the world. HSBC is partnered with over a million establishments worldwide to bring you ease with transactions around the globe.

Red Mastercard

Savor the rewards of your HSBC RED Mastercard. It comes with discounts and freebies from various specialty stores nationwide. Enjoy shopping and dining in over 40 partner countries worldwide.Make us reward you even more for you superb finds.

Mabuhay Miles Visa Platinum

Wherever you are in the world, enjoy assistance and information 24 hours a day, 7 days a week. Get information on shopping and entertainment options, arrange the delivery of flowers and other items to other countries, get restaurant recommendations for the city you’re in, and even emergency assistance wherever you may be.

Mabuhay Miles Visa Classic and Gold

Now, you can fly with Philippine Airlines for free.

The Mabuhay Miles Visa from HSBC offers you the fastest way to fly Philippine Airlines FREE. Every Php45 you charge to your card earns you 1 Mile. So when you gas up, shop for groceries or pay your utility bills with your card, you become closer to that free flight.

With the Triple your Miles program, you can earn Miles faster than ever before. Simply use your Mabuhay Miles Visa at Triple Your Miles partner merchants and get up to 3 Miles for every Php45 you spend!

HSBC credit cards are skillfully designed to organize and help you live your everyday life; no matter what your priorities are that may incur an expense.

Pay Taxes by Credit or Debit Card

Benefits of Paying via Credit Card or Debit Card:

• It’s convenient - taxpayers can e-file or paper- file early and make a payment by credit or debit card later, to delay out-of-pocket expenses. Payments can be made by phone, Internet or when e-filing.
• It’s safe and secure - standard, commercial card networks are used. The IRS does not receive or store card numbers.
• These electronic tax payment options are available through service providers.
• There is a fee charged by service providers. Fees are based on the amount of the payment and may vary by service provider (see below).
• Payment information will not be disclosed for any reason other than processing the transaction authorized by the taxpayer.
• A confirmation number is provided at the end of the phone or Internet transaction.
• The “United States Treasury Tax Payment” is included on the card statement as further proof of payment. The convenience fee will be included on the statement as a “Tax Payment Convenience Fee” (or similar transaction).
• If enrolled in such a program, taxpayers may earn miles, points, rewards or money back from the credit card issuer.

Credit Card or Debit Card Convenience Fees

• Taxpayers will be informed of the convenience fee amount before the payment is authorized. This fee is in addition to any charges, such as interest, that may be assessed by the credit card issuer. Taxpayers must agree to the terms and conditions of the payment including acceptance of the convenience fee before the transaction is completed.
• The Taxpayer Relief Act of 1997 authorizes the Treasury to accept these payments for federal taxes but prohibits the IRS from paying a fee or consideration to service providers for processing these transactions.
• In order to give taxpayers this option, IRS has entered into non-monetary contracts and agreements with service providers.
• The service providers act in the capacity of merchants and are necessary intermediaries in transaction processing. The service providers validate card numbers and expiration dates, obtain authorization from the card issuers and issue confirmation numbers to taxpayers at the end of the payment transaction. The service providers forward tax payment information to the IRS for posting to taxpayer accounts.
• The IRS does not receive or charge any fees for card payments. Additionally, the IRS cannot pay or reimburse any convenience fee to taxpayers. The fee is a non-deductible personal expense; however, it is a deductible business expense.

To Make a payment, the integrated e-file and e-pay credit card option is available through a number of tax preparation software products and tax professionals. For additional information about e-filing and paying all at once (including credit cards), taxpayers can refer to tax preparation software or a tax professional.

Credit Card Comparison

A credit card comparison is aimed at searching for a credit card that best suits your needs. A credit card that can minimize your monthly credit card bills and especially select a card that can best cater to your spending habits and lifestyle.
When you compare credit cards, you must consider:
Hidden costs - costs associated with the acquisition or use of the card that are not generally specified by the company representatives, you must read all the fine print carefully and discuss them with the company representatives.
Charges - verify fees and delayed payments fees while comparing various credit cards.
Limited Card - maximum credit that you can take through your card should match your personal spending limit. he credit limit is usually set by the credit card issuer, based on the applicant’s credit history and income.
Interest rates - Compare the interest rates that various companies charge on purchases made through the credit card and ensure that its interest rates are competitive.

you need also to:
-Visit the individual bank websites and compare the features and benefits offered by them with those offered by others.
-Use the services of a financial comparison site that offers you a comprehensive comparison between several credit cards. These websites display the distinguishing features or benefits, such as cash backs, rewards or balance transfers.

When comparing credit cards, consider the following points: Interest rates that are calculated upon the amount that has been spent as a credit by the card holder can be very significant. If a credit card company is giving a low interest rate which is normally known as the APR or Annual Percentage Rate to the card holder then that can turn out to be a useful Credit Card Benefit, especially for those who constantly deal with over drafts.
There are various kinds of rewards that are received by the customers that are considered as Credit Card Comparison. Some companies present frequent flier points,cash backs, gift certificates or various other things. These rewards are normally associated with purchasing an item or some particular service on the card. These things may or may not include cash advances,balance transfers or some other special uses.

When one pays an amount to a merchant through a credit card, the merchant depending on the deal with the bank pay a nominal percentage to the credit card service provider. The amount received by the credit card banks often share the amount with the card holder and provide them with another Credit Card Benefit. The card holder gets back his own paid money to some extent and the bank gets some profit as well as some publicity.

PAL warns against airline ticket fraud (GMA News)

MANILA, Philippines - The Philippine Airlines on Wednesday warned the public against the use of airline tickets purchased using counterfeit or unauthorized credit cards through PAL”s online booking facility.

PAL warns against buying tickets with bogus cards (ABS-CBNNEWS.com)

Flag carrier Philippine Airlines (PAL) on Wednesday cautioned the public against the use of airline tickets purchased using counterfeit or unauthorized credit cards through PAL’s online-booking facility.

Approved investments doubled to P74b—BoI (Manila Standard Today)

The Board of Investments has doubled the value of investments registered from January to May 15 this year, reflecting sustained investor confidence in the Philippines.

‘Hulidap’ cop nabbed in Pasay City; more victims surface (Philippine Daily Inquirer)

MANILA, Philippines – Police arrested a “hulidap” cop who allegedly tried to force a male nursing aide into his car before taking his valuables early Monday morning along Gil Puyat Extension in Pasay City.

56 (CPJ Press Freedom Online)

CPJ research indicates that the following individuals have been killed in 2006 because of their work as journalists. They either died in the line of duty or were deliberately targeted for assassination because of their reporting or their affiliation with a news organization.

Costly ignorance (Manila Standard Today)

It was former Harvard University president Derek Bok who said that if you think education is expensive, perhaps you should try ignorance.

Union Bank sees 10% growth in 2008 profit (ABS-CBNNEWS.com)

The banking arm of the Aboitiz group, Union Bank of the Philippines, is targeting up to a 10-percent growth in its net income this year to over P3 billion, a company official said Friday.