Articles by Krisette Capati

Krisette Capati has been hustling in the online media industry since 2011. Formerly money dumb and a work in progress to be MoneySmart. With an extensive background in the intersections of digital marketing, culture, China markets, cryptocurrencies, and emerging technologies, her curiosity always leads her to try new things.

Metrobank Rewards Plus Visa Card MoneySmart Review
Credit Card
Metrobank Rewards Plus Visa Card – MoneySmart Review 2021
Looking for a rewards card for more points? Here comes the Metrobank Rewards Plus Visa card that offers double (2x) rewards points whenever you spend on gadgets, transportation, telecommunications, and online purchases. Whether you are a first-time credit card holder or you are considering applying for a second card, this article will provide you with…
3 December 2021
RCBC Bankard Flex Visa Rewards MoneySmart Review 2021
Credit Card
RCBC Bankard Flex Visa Rewards – MoneySmart Review 2021
Are you a millennial looking for the best credit card that has flexible features? Look no further. We got you covered. It can be daunting to browse all the pages of credit cards from several banks that offer great rewards and perks. Finally, there’s the RCBC Bankard Flex Visa Rewards card, allowing you to control…
2 December 2021
how to spend your 13th month pay wisely in the philippines
Smart Money
How to Spend Your 13th Month Pay Wisely in 2021
Every year, you always look forward to the 13th-month pay or your supposed bonus pay. You have probably imagined where and how to spend it this year, whether it’s a new gadget, home appliance, or an out-of-town trip, since the community alert levels have become lenient for the past few months. Of course, there’s nothing…
1 December 2021
how to tell if an investment is a scam philippines
How to Tell if an Investment is a Scam in the Philippines?
It can be hard to know if an investment is a scam or not. If you are new to investing, you might fall for some old tricks that will end up costing you money. One way to help you figure out which ones are legitimate is to research and ask someone who knows about them.…
18 November 2021
how to buy bitcoin ethereum and other crypto philippines
How to Buy Bitcoin, Ethereum, and Other Cryptocurrencies in the Philippines
The cryptocurrency market has been seeing rapid growth in the past few years, and it is only expected to grow with countries such as El Salvador, which recently accepted cryptocurrencies like Bitcoin as legal tender. When it comes to financial innovations and integrations, the Philippine government is adaptable. In fact, In 2019, the Security and…
15 November 2021
Borrow Money
7 Things You Need to Know About Personal Loans Before Getting One
A personal loan may seem like a lifesaver during an emergency, whether it’s unexpected confinement in the hospital, losing a job, or a broken car. However, while it’s the most likely immediate solution to your financial needs, there are pros and cons when borrowing money from banks and lending institutions. Access to personal loans is…
22 July 2021
Credit Card
UnionBank Lazada Mastercard Rewards Card Review 2021
Heads up to all the shopaholics and points collectors out there! UnionBank Lazada rewards card gives you access to great deals, discounts, and promos when you shop online. Get more points and save more from monthly double-digit shopping deals like 5.5 and 6.6 and payday sales on Lazada, Shopee, and other online stores. This article…
28 May 2021
8 Ways to Protect Your Credit and Debit Cards When Shopping Online
Fraudsters and scammers are always on the lookout for opportunities to deceive consumers. As cashless payments become part of the new normal, adding extra layers of security to your credit and debit card transactions will reduce the chances of being victims of these predators. Credit card fraud is inevitable, but you can take action now…
15 May 2021
Credit Card
The Best Credit Cards for Women in the Philippines – Online Shopping, Rewards, and Other Perks (2021)
To all the ladies in the house, heads up. If you’re planning to apply for a new credit card, here are the best credit cards for women you can compare online. As of this writing, the interest rates are capped at 2.00% per month and a flat fee of P200 for cash withdrawals, but each…
22 April 2021
5 Digital Banks in the Philippines That Let You Open Savings Accounts Online
Do you want to open a savings account without having to go to the bank? Luckily for you, there are banks in the Philippines that leverage the power of technology, allowing clients to open bank accounts via a mobile app or a desktop browser. Digital banks like ING Philippines and CIMB Bank let you open…
16 March 2021
Smart Money
How to Open a Checking Account in the Philippines – MoneySmart Guide 2020
Are you thinking of opening a checking or current account? In case you’re planning to do so, here’s a simple guide to walk you through the steps — including how checking accounts work, what to consider before opening one, and its advantages and disadvantages. What is a checking account and how does it work? Primarily,…
29 December 2020
Credit Card
Updated Credit Card Rates, Cap and Fees in the Philippines 2020 – 2021 by BSP
Heads up to all credit cardholders. Here’s an early Christmas gift for you. Banko Sentral ng Pilipinas (BSP) caps the annual interest rate of credit cards at 24%. That’s right ― credit card issuers will only charge you a monthly interest rate of 2% effective November 3, 2020. BSP will review this circular every six…
1 December 2020
Fixed Deposits or High Interest Rate Savings Accounts – Which One Should You Choose?
If you’re looking for a safe, low-risk investment option, a fixed deposit or time deposit can be one of your options. Alternatively, you can also grow your savings through digital banks like ING Philippines and CIMB Bank. They offer high-interest rate savings accounts, and opening an account is super easy via the mobile app. Fixed…
30 November 2020
Smart Money
Use Your Credit Card Responsibly During a Pandemic – 7 Moneysmart Tips (2020)
Tough times allow you to recalibrate your finances. If you’re still acing it in discipline and stewardship when it comes to your credit card usage, then good for you. But if you’ve been struggling to pay your credit card bills since the pandemic started, it’s time to reassess how you’re using your credit card. Credit…
23 November 2020
How to Invest in PAG-IBIG MP2 Savings Program (Moneysmart Philippines 2020)
There are different ways to grow your hard-earned money. If you’re not satisfied with fixed deposit earnings or with investing in real estate, Bitcoin, or the stock market, then you may want to explore the PAG-IBIG MP2 Savings program. Did you know that with MP2 Savings, you can earn up to a 7.00% dividend rate?…
18 November 2020
Smart Money
What is Virtual PAG-IBIG? (The MoneySmart Philippines Guide 2020)
The Home Development Mutual Fund, also referred to as PAG-IBIG, is often associated with affordable housing loans. But did you know active members also have access to other benefits beyond financing? PAG-IBIG has three types of programs: savings, loans, and insurance. Fortunately, you don’t have to go to a PAG-IBIG branch to access these services.…
15 November 2020
10 Productivity Apps to Keep You On Track at Work, School or Home – MoneySmart Philippines 2020
Most companies and schools are still following work or study from home arrangements. While this saves everyone a lot of time and energy on travel, a lot of people are still having a hard time managing work, school, and home responsibilities. But don’t fret. Here’s a list of productivity apps (free and premium versions) to…
11 November 2020
Globe, Smart, SunCellular — The Most Affordable Prepaid Data Promos in the Philippines (2020)
Are you fed up with your slow internet when browsing on your mobile phone? Currently, there are only two major players in the telecommunications industry, which are Globe and Smart. Both also have their own subsidiary cellular service, TM and Sun Cellular, respectively. But even with limited options for subscribers, these telecommunication giants offer affordable…
8 November 2020
COL Financial – Beginner’s Guide to COL Financial Investment Platform
If you’re planning to invest in the stock market, then the name COL Financial should not be new to you. After all, for as low as P1,000, you can already start investing in their brokerage platform. But before you get too excited, make sure you know the basics of investing in stocks. It’s never risk-free.…
5 November 2020
Pocket Wi-Fi Devices in the Philippines – Which One Should You Use? (MoneySmart 2020)
Pocket Wi-Fi Devices in the Philippines – Which One Should You Use? (MoneySmart 2020)
With most Filipinos now working or learning from home, the need for a strong and stable internet connection has never been more in demand. If internet application is proving to be a hassle or a challenge, check out these pocket Wi-Fi devices. Make a one-off payment and then just top up whenever you need to.…
2 November 2020
How to Get and Top Up Your Easytrip RFID (MoneySmart Guide 2020)
Heads up to all motorists. Starting November 2, 2020, NLEX and SLEX toll road operators will only allow RFID stickers in settling your toll fees as mandated by the Department of Transportation. This transition to a full RFID system will facilitate cashless transactions, so you don’t need to panic every time you reach the toll…
21 October 2020
10 Things Filipinos Should Know About Fixed Deposits in the Philippines
Thinking of how you can grow your hard-earned money? If neither stocks, real estate investment, nor Bitcoin is your cup of tea, you may want to explore fixed deposits (also known as time deposits). A fixed deposit is one of the simplest ways to invest at low risk. However, your earnings will depend on your…
6 October 2020
Credit Card
Best Credit Cards for New Cardholders in the Philippines (2020)
So you’re ready to apply for a credit card. You already have the requirements, but now you’re wondering what type of credit card to get. There are three common types of credit cards in the market you can choose from: rewards, air miles, and cashback. Your choice depends on the features and benefits you want.…
5 October 2020
Smart Money
CLiQQ eWallet MoneySmart Review 2020
Electronic wallets are a must in this new normal. They allow us to manage our bills payments, money transfers, and other cashless transactions on the go. Thankfully, GCash, PayMaya, and Coins.PH help us settle payments without queues and branch visits. Alternatively, there’s an app called CLiQQ that you may want to explore. It’s useful if…
3 October 2020
Credit Card
Compare the Lowest Interest Rates of Credit Cards in the Philippines (2020)
Planning to apply for a new credit card? Not satisfied with your existing credit card? Whether you’re a first-time cardholder or would like to switch, you need to compare credit cards first before signing up. Moneysmart folks keep an eagle eye on credit cards with the lowest interest rates and fees. With that said, here’s…
2 October 2020