RCBC Bankard launches Unli0% installment program all year round

Acquiring a credit card requires absolute discipline and you must be very good when it comes to budgeting as they say. As for me, I use my own credit card when paying for my groceries and other necessary stuff for the house or simply for my son's needs. 

During a tete-a-tete with Ms. Angela C. Mirasol, Vice President and Marketing Group Head
RCBC BANKARD SERVICES CORPORATION, or otherwise known as Ms. Anj, she was very helpful in explaining to us the flexibility and mechanics of the RCBC Bankard UNLI0% installment. 

Anj Mirasol has more than a decade’s experience in Marketing.  She has handled various products and services from debit cards, to electronic channels, and now leads the Marketing Group of RCBC Bankard, in marketing the RCBC –issued RCBC Bankard credit cards.

Ms. Angie Mirasol
Anj strongly believes that Marketing has a strategic function and goes beyond running promotions.  She is actively involved in branding initiatives as well as in the development of products, product features, and benefits.

From 2012, when she joined RCBC Bankard, she was actively involved in the launch of two co-branded specialty cards: the Fully Booked RCBC Bankard MasterCard, and the HBC-RCBC Bankard MasterCard.  She also collaborated in the development and launch of the Exclusive Travel Privileges and the proprietary Unli 0% which are both deemed as compelling differentiators for RCBC Bankard.

Last year, RCBC Bankard was recognized internationally in the Retail Banker International Asia Trail Blazer Award, as 2014 Product Excellence in Credit Cards, and as Credit Card Product of the Year 2014-Philippines, in the Credit International & Payments International Trailblazer Award.

Previous to joining RCBC Bankard Services Corporation, Anj worked with the Bank of the Philippine Islands, as OIC of the Electronic Channels Marketing & Sales Division. 

Anj graduated with a degree in Bachelor of Arts, Major in Philosophy, at the Ateneo De Manila University, and took her MBA at the University of the Philippines, where she was awarded top 5 of the graduating class.

Having such a well-defined credentials, great achievements and diverse experience in banking, Ms. Anj was able to answer all the queries being asked to her during our lunch out. Being a single parent like yours truly, one of my main concerns is about financial. We must admit, life's not that always smooth sailing, or sometimes, we may need to prioritize our finances and in some cases, during emergency cases, we do count on this plastic card that pays, and that's our credit cards. 

I wanna commend RCBC Bankard for coming up with this kind of program, the Unli0% installment. Ms. Anj was able to explain to us clearly that for example, we use our RCBC Bankard to pay for our grocery this month, it's not going to reflect or earn interest for the next three months, isn't it amazing? That's a lot of help for us, homemakers and cardholders, right? We need not worry about it for 3 months and at the same time, we can also save some money. 

Converting straight purchases to 0% installment all year round is now possible with RCBC Bankard.
With the Unli 0% installment feature, cardholders need not worry about paying immediately for every purchase they make because they can convert every transaction to 0% installment for 3 months at any given time of the year.

With no limitation on the purchase amount or the number of times they can avail of the feature, cardholders are able to manage their funds better and keep within their budget. Moreover, they do not have to worry whether or not the merchant allows installment purchases. All they have to do is charge the purchase to their RCBC Bankard then call RCBC Bankard’s Customer Service number at 888-1888 or 888-1883 (for Platinum, Infinite, or World cardholders) and request that their purchase be converted to 0% installment.

UNLI 0% is the first of its kind card offering that gives RCBC Bankard cardholders the unprecedented privilege of being able to manage their finances better since they can convert ALL their STRAIGHT purchases to 0% INSTALLMENT.

With UNLI 0% cardholders can purchase any item, at any amount, anywhere, including overseas and online, and have these converted to a three month, 0% installment payment term, by simply calling the RCBC Bankard Customer Service hotline. 

UNLI 0% is the most flexible 0% Installment Program with NO LIMITATIONS.    

>>UNLI 0% is not limited to the number of accredited merchants. 
RCBC Bankard will be able to convert straight transactions to 0% installment, regardless if the merchant or establishment is accredited with RCBC Bankard.  Other card companies/Issuers can only process transactions from their accredited merchants.

>>UNLI 0% is not limited to amount. 
Merchants will require a minimum of Php3,000 or US$68.18 (@ Php44=USD1.00) for 0% Installment.  With RCBC Bankard, this is not a limitation because it is processed as a straight transaction, and therefore is not covered by the 0% Installment minimum amount purchase requirement imposed by the accredited merchants. 

>>UNLI 0% is not limited to location. 

Accredited merchants for 0% installment are limited to locations where pre-programmed POS terminals are deployed.  With RCBC Bankard, regardless of the POS terminals used, RCBC Bankard can convert the purchase to 0% installment, including online and overseas transactions.

The UNLI 0% INSTALLMENT PROGRAM (“UNLI 0%”) is a proprietary program of RCBC Bankard Credit Cards. 


In the Philippines, a common problem of credit card holders is “excessive debt”.  Credit Card doesn’t feel like cash to cardholders so they spend more liberally whenever they’re using their plastic.  While the card company can benefit from the finance charge, unwise use of the card can be detrimental both for the cardholders and for the card company in the long run.  Given the possible pitfall that our cardholders may fall into, RCBC Bankard developed proprietary financial management tools:

>>Spend Monitor provides cardholders with free SMS alerts for defined transactions that they have set during registration, including getting an alert if they already exceeded their predetermined monthly budget for their card.

>>Spend Analyzer, transforms the statement of account from a simple notice of monthly dues to a comprehensive financial management tool that guides cardholders in understanding their monthly and their year-to-date spending by printing the summary of purchases according to categories including: Supermarket, Department Store/Apparel, Dining, Motoring, Medical, Utilities, and Others.

>>Unli 0%  is a proprietary program that allows cardholders to manage their cash flow better since they can pay for all their straight purchases in three months at no interest.  This is offered during heavy spending season including back-to-school (April-June) and the Holidays (October-December).  It has been made available all year round for purchases made overseas.

Unli 0% has been developed because we saw the benefits of the 0% Installment Program and its limitations. 0% Installment is advantageous for cardholders who cannot afford to pay for the item/service outright, as well as for those who want to manage their cash flow.  However, while it is helpful, it is limited in terms of merchants and locations.  These limitations served as our opportunity in developing Unli 0%.  With Unli 0%, all straight purchases can be converted to 0% Installment.  Our cardholders enjoy better cash flow management because they can settle their purchases made in the Philippines or abroad in easy, affordable payments. 

Being the first and only credit card to provide a no-limits 0% installment program our cardholders have the unique privilege of being able to afford better things and better experiences, and since they have the tools to manage their spending better, they can avoid falling in the “debt trap” which is a common pitfall for other credit cardholders.   Unli 0%, along with RCBC Bankard’s other complimentary and proprietary financial management tools, have managed to transform the credit card from a tool for overspending to a device for wiser spending. 

I wanna share you some of the testimonies of the cardholders: 

“Life is indeed difficult if you’re a single parent but thanks to my RCBC Bankard I was able to stretch my budget. I used to pay all my bills in cash but now  that I  have my RCBC Bankard, I can budget my money as best as  I  can. RCBC Bankard’s Unli 0% allowed me to make big ticket purchases then pay in 3 months installment. This also helped me save funds without limiting my spending power via my credit card. Thanks RCBC Bankard for helping me all the way!”        
---Joseph Rey Bacalso

“Having an RCBC Bankard credit card has improved my life in more ways than I can imagine. Now that I am sending my son to school for the first time, my trusty credit card has done it again for me.  Education can be expensive but it is an investment that is worth every peso.  Today was his first day in school, seeing our four-year-old son happy and utterly friendly to everyone, was the complete validation that we made the right decision to send him in this school.  I thank RCBC Bankard for making this possible.   UNLI 0% Installment is the perfect help this time of the year – enrollment season! With my RCBC Bankard, I can take care of school fees and still spend wisely.”
---Ma Regina Ronquillo

“I’ve had my RCBC Bankard since 2009 but I never thought this would help me put up my business! When I gave birth to my third baby I decided to stop working so I could stay at home to take care of my 3 kids. I started to think of putting up a business that I could manage as a full time mom. I decided to put up a" retail store" at home and the only thing I had to help me fill up my store was my RCBC Bankard. Thank you so much RCBC Bankard for offering  services that suit my business like unli 0%  that make it perfect for my growing business.”
---Mary Joy Endique

For more information on the Unli O% installment feature, log on to www.RCBCBankard.com

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