If you have a credit card and you often use it to avail products and services, then I advise you to check the availability of your remaining balance every time you go out shopping. Why? Because if you reach your credit limit and you overspend beyond that, aside from the usual 3.5% interest rate per month, the bank will require you to pay a 500 pesos fee. I've just recently got to know this from Peter Pandesal blog. If you have a spare time to waste, why don't you pay a visit to the said site (currently, the site is down) and educate yourself about money.
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