Making the Most of My Credit Card Rewards

Because I know better now (after learning my lesson the hard way years ago and eventually becoming credit card debt-free), I accumulate rewards from my credit cards instead of debts. I said credit cards (with an “s”) because from having just one credit card, I now have two from the same credit card company — Citibank Cash Back (Visa) and Citibank Rewards (Mastercard). These two different cards come with cool rewards that make using them worth my while. And because I’m now more disciplined than ever, I get to make the most of my credit card rewards!

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Credit Rebate from Citibank

I was surprised to see my Citibank billing statement this morning. It says there I was given a P200 credit rebate because of the purchases I made from September 19 to October 15, 2013. Wow, thanks! P200 is still P200. This definitely made me smile.


Citibank (Cebu Pacific Citi Card, to be exact) is currently my only credit card at present. Because the hubby and I wanted to cut our credit card spending and reduce our debts in general, we ditched our other cards and retained just one each. It’s proven to be a good decision because now, we are more conscious about how we use our credit cards. Every peso borrowed using them are well-calculated. Haha.

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