An Impulsive Shopping Spree and BPI’s Latest Credit Card Promo

I don’t have a BPI credit card but the boyfriend’s sister has one. That’s why a few weeks after BPI launched one of its exciting promos, I ended up shopping with her. Actually, I didn’t see it coming last Monday night. I thought I’d just stroll the mall with her and the boyfriend while the rest of the Philippines was busy finding out who were leading the polls (read: barangay elections). But, before I knew it, I had already committed to pay for my purchases with clasped hands and a silly grin.

So, what is this particular promo all about? BPI credit cards let you shop and do deferred payment at 0% interest for a minimum purchase of P5,000. It’s quite self-explanatory if you’ll ask me. You shop for a few months worth of supplies and pay for your purchases in installment within six long months. It’s practical and at the same time, convenient. And who wouldn’t be tempted if there are tons of participating stores offering the same promo mechanics?

But before you get fooled, beware that this can be addicting. If you don’t have the money to pay, then don’t make the mistake of rushing to the nearest mall to swipe your card. But if you’re like many who has a budget for anything, then this might be the perfect time for you to start Christmas shopping. Oooops, don’t forget to bring a list so nobody gets missed. 🙂