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January 23, 2021

How to Choose the Right Cash back Credit Card

Oct 2, 2018

Credit cards like the HSBC Gold Visa Cash Back Credit Card come with tons of perks, including the cash backs. The cash back feature gives you a percentage of the amount that you spend on a purchase. The amount ranges from 1% to 5%. If you spend PHP 1000 using your credit card, you will get a cash back ranging from PHP 10 to PHP 50.

Sounds great, right? But still it doesn’t automatically mean the cash back card is the right one for you. Here are the factors to consider if you’re thinking of applying for one.

What type of purchase do you usually make with your card?

Cash back cards are best if you are the type who uses your card for daily purchases. You are one of those people who prefer swiping your card instead of carrying around cash. This means you use your card for essentials such as groceries and gas. With the cash back card such as the Citi Cash Back Card, each of your purchases will earn little rewards. With this in mind, you should choose a card that will give you the highest cash back rate there is.

How much do you usually spend on your card?

Some cards will not require you to spend a minimum amount for you to earn cash back rewards. There are some who will give you rewards no matter how little you spend in a month. This means you don’t have to spend too much just to get cash backs. No need to make senseless purchases just to be able to earn cash backs.

Can you pay your full balance every end of the month?

Paying your balance full at the end of the month is always a good idea, no matter what type of card you use. With the cash back card, you can fully enjoy the cash backs you get because you don’t have to pay interest rates that come with not settling your balance in full.

If you decide to avail of a cash back card, check out the HSBC Gold Visa Cash Back Credit Card. You only need a minimum monthly income of PHP 13,500 and should be at least 21 years old. Annual fee is PHP 2500, which is waived for the first year.  For supplementary cardholders, annual fee is PHP 1250.

When it comes to rebates, you get 0.5% cash back for utilities, shopping, and groceries. Dining spends will get you 5% cash back while fuel purchases will get you 10% rebate.

The card also features 0% instalment plan with flexible payment schemes of up to 36 months. Other convenient features include auto charge, mobile payments, and Secure Pay, which gives you added layer of security for your online shopping.

Using a cash back credit card is a sensible idea for frequent users of their credit cards. Why not take advantage of the rewards that they offer? Whether you’re a first-time card user or someone who wants to upgrade your card, consider getting one like HSBC Gold Visa Cash Back Credit Card and start enjoying the perks that rebates give.

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A Snapshot of IT in Australian Businesses and How to Strengthen Your Internal Strategy Right Now

Oct 2, 2018

As cloud utilisation, intuitive automation, and artificial intelligence services continue to break new ground, Australian companies are set to spend a remarkable $64 billion on technological improvements and IT assistance this year, according to a recent Business Insider think piece.

In this regard, the market researchers over at Forrester ascertained that the lion’s share of IT spending will be directed towards third-party consulting services, new-age software, and outsourced communication systems.

Assessing Every Facet Your Business from a Digital Perspective

In stark contrast to years past – when technology was largely conflated with marketing and nothing else – 21st century tech can be assimilated into virtually every phase of your operation, but you have to understand precisely how to affect positive results:

  • Forward Thinking: Whether you’re expanding operations or contracting in an effort to specialise on high-margin projects, your IT systems have to be adjustable, flexible, and ready to complement your initiatives. This is why IT operations are no longer pigeonholed as short-term requirements – you must harmonise your long-term strategies with a progressive IT game plans.
  • Obtain the Right Software and Hardware: You have to ensure that your hardware is automating and systematising the procedural aspects of your in-house processes, and that the concomitant software is symbiotically taking the burden off of your shoulders and covering your proverbial soft Your IT management systems should always be able to deliver a bird’s-eye view of what’s happening behind the scenes and how to capitalise on golden opportunities.
  • Integration: Synergy is synonymous with integration. If you rely on third-party project managers, offsite telecommuters, traveling sales experts, transnational suppliers, or any other entity that doesn’t spend much time in the office, you need to ensure that information can be relayed seamlessly and instantaneously on a single platform. After all, how else can you make prompt, informed decisions?

As you might imagine, implementing an interdependent, coactive IT plan can be likened to solving a Rubik’s Cube while blindfolded, which is why so many companies throughout Australia are beginning to coordinate their efforts with cutting-edge tech consultants – such as those over at the Champions of Change organisation, for example.

Why Do I Need a Consultant or Advisor?

Taking full advantage of technological systems and integrated IT provisions is inherently challenging, especially if you’re working with a razor thin operating budget and limited resources. Furthermore, if you aren’t well-versed on the myriad of solutions at your disposal, you’ll experience countless trials and tribulations in terms of sourcing the right equipment, obtaining operative software, and tailoring the tools according to your objectives and aims.

Nevertheless, today’s best-rated IT consultants can provide a straightforward, aerial perspective of your company’s shortcomings and then deliver revolutionary solutions that are not only easy to implement, but also cost-effective and wholly intuitive, as well.

Grabbing the bull by the horns and thrusting yourself into the upper echelon of today’s commercial landscape necessitates a pioneering IT approach, so start thinking outside of the box, and link up with an information technology advisor as soon as possible.

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