Perks, Rewards, and Advantages: Cebuana Lhuillier’s 24k Loyalty Program

Have you ever experienced being a part of a club, which grants you rewards and bonuses every time you avail or accomplish something within the rules and regulations of that particular club? This concept isn’t really a new thing, since certain shops and establishments have been doing this for many years. You have various promos, leads, and discounts depending on the frequency of your purchases, and you are in fact considered too valuable to be a lost-cause customer. You are one of the many patrons who are keeping the business on its feet and you will always be considered a special part of the business itself.

Indeed, this might be something that you are very much aware of. In fact, we are willing to bet that you already have a couple of membership cards in your wallet, all attributed to multiple establishments which you may have bought from in the past couple of years or so. With that in mind, we wish to introduce you to another exclusive loyalty program that you may participate in, featuring all the right perks and rewards that you can ever ask for. We wish to introduce you to Cebuana Lhuillier’s 24k Loyalty Program!

 

What is Cebuana Lhuillier’s 24k Loyalty Program?

The 24k Rewards Program is a program that provides perks and rewards to Cebuana Lhuillier clients. By availing the 24k Card, you will have exclusive privileges, discounts and special service offerings that can be used every time you transact with Cebuana Lhuillier. You can earn 1 point for every Php 40 interest or service fee you pay. Yes, you read that right, each point is worth Php 1.00.

 

Where can I sign up for the Cebuana Lhuillier’s 24k Loyalty Program? Where do I get my Loyalty Card?

You may visit the nearest Cebuana Lhuillier branch to get your very own 24k card. After which, you have to register your card at https://www.24konline.ph/signup/. Keep in mind that you should provide all the correct details in order to utilize the various features of 24k online.

 

May I use the features of the 24k online even though I have no 24k card yet?

Yes, you may. Cebuana Lhuillier made sure that their 24k Loyalty Program would be accessible by people from all walks of life, which is why even if you are a non-card holder, you can still get to experience the perks and rewards of being a member of the loyalty program. This is made possible as non-card holders may register online and receive a virtual card instead. This is a convenient way of experiencing the benefits of the loyalty program without having to add an extra weight in your wallet.

 

What are the features of the 24k online website?

You may accomplish the following transactions and use the said features within the 24k online site:

-Buy eLoad

-Appraisal Calculator

-Remittance Tracking

-Transfer Points

-Renewal/Redemption Calculator

-Buy Insurance

-Online Appointment

-Branch and Partner Locator

 

That looks good and all, but is there more that I need to know about the loyalty program and its website?

Yes, you may have to take note of the programs’ terms and conditions as well. The full version has a lot to take from, but we’ve chosen a couple of vital things which you may have to remember while using the 24k card and its equivalent website:

 

  • As the cardholder, you shall be liable for all transactions made through the use of the 24k Virtual Card.
  • All Cebuana Lhuillier clients can apply for the 24k Virtual Card. Existing 24k cardholders have the option to also apply for the 24k Virtual Card.
  • The 24k Online Portal is completely customer self-service where the card holder shall enter/provide the 24k card number and preferred password. The issuer recommends the use of a strong but easy to remember log in details.
  • Cebuana Lhuillier reserves the right to block access and or edit or remove any material which may give rise to a breach of these Terms and Conditions of Use.
  • The cardholder has full responsibility over the security of his/her PC, Mobile Device/s, SIM card and confidentiality of his/her User ID and password/s and all transactions.
  • It is cardholder’s sole responsibility to change the password through 24k Online Portal if its confidentially has been reasonably suspected to have been compromised to avoid any unauthorized use of the cardholder’s account.

Take note of those terms and conditions so that you wouldn’t run into any trouble while using the website or your 24k card.

 

Do all transactions give off a single point?

No, as a matter of fact, there are a couple of transactions which provides more points:

  • Domestic Remittance – 1 point
  • Pawning Transaction – 1 point
  • International Payout – 3 points
  • International Sending – 5 points
  • Every P40 interest or service fee paid at any Cebuana Lhuillier branch – 1 point

You may claim your points online via the new 24k website.

 

Are there any rules when it comes to redeeming points?

Not much, except for the following conditions:

  • To redeem and use the reward points, you (the card holder) should have a minimum of twenty (20) stored points. Php1.00 is equivalent to 1 point.
  • If no error is reported by a card holder within 7 days from the last transaction, Reward Points reflected on the receipt shall be deemed correct.
  • Rewards Points will not be offered for cancelled transactions or any transactions subsequently reversed or refunded in whole or in part.
  • The issuer reserves the right to change the Rewards Points earning rate. The issuer also reserves the right to restrict or limit the number of Rewards Points earned on each transaction in connection with special program, facilities and promotional activities.

 

How exactly do I earn my Rewards Points?

There are four simple ways for a card holder to earn reward points:

  • Pawning Transactions (sangla, tubos, at tubo) – monthly interest and liquidated damages paid by the client will earn a corresponding number of reward points.
  • Domestic Sending Money Remittance Transactions – remittance service fee paid by the sender will earn a corresponding number of reward points.
  • International Remittance Transactions – every international sending transaction will earn five (5) points and three (3) points for every international payout transaction.
  • ProtectMax Microinsurance – every Certificate of Cover (COC) purchased will earn one (1) point.

 

Well, this is just the beginners’ lesson when it comes to Cebuana Lhuillier’s 24k Loyalty Program. If you’d want to know more or are interested in joining the loyalty program itself, feel free to visit https://www.24konline.ph/login/ or you may visit our official website at https://www.cebuanalhuillier.com/ for more details.

Spooktacular Ways of Celebrating Halloween without Overspending

Halloween season is here. For the most part, we Filipinos aren’t really enthusiastic about this particular seasonal event, due to the fact that it isn’t engraved in our culture. Sure, we are all in a festive mood by now, but a lot of that enthusiasm is focused towards our love for Christmas. Being a dominantly Catholic/Christian nation, it is only understandable that we are more inclined towards this particular celebration, rather than one which incites superstition and the supernatural. As such, it can’t be helped that Halloween itself is seen as a trivial, often overlooked form of event, rather than a month-long tradition that can ever be taken seriously by Filipinos. Of course, that wouldn’t stop some of us from discovering new ways to distract ourselves from the current pandemic, as the past few months really took its toll on everyone. Perhaps, even for a week or two, some of us may “escape” reality and bond with our family over a plastic pumpkin-shaped trinket of sweets.

With that in mind, you might be one of those who are looking for ways to have fun with your family during the pandemic, without even breaking the bank. Everything seems to be costly nowadays, so every expense should be taken with utter caution, and overspending may put the family budget at risk. But fear not, for we have prepared a few spooktacular tips for you to celebrate Halloween with your family without sacrificing much of your budget.

Watching Horror Movies at Home

You do not have to go outdoors to enjoy the Halloween season. As a matter of fact, you can enjoy Halloween just by staying at home. Especially during the pandemic, you should round up all your family members and let them know that you have something in store for them during the night of terror (October 30, as usually plotted out on most horror movies). Feel free to pop in an old horror movie in your DVD player, prepare a bowl of snacks, and pour in a couple of sodas, while you comfortably sit with your family, enjoying the screams of the protagonist trying to escape the scary madman of the movie. If DVDs are too old for your taste, you can simply log-in your streaming subscription and choose to stream newer titles that your kids and teens may be more familiar with (zombies, zombies, and more zombies). Nonetheless, enjoying Halloween night at home is a lot less scary because you have each other to embrace during the sudden scares and thrilling moments. It’s also a way of avoiding the real horror outdoors, which is the current pandemic that’s been haunting our fellow Filipinos for quite a while now.

Making Sweet Halloween Treats in the Kitchen

Your Halloween family bonding isn’t just limited to watching horror flicks in the living room. To say the least, there are other fun ways to enjoy the spooky season while having quality time with the family. If you happen to have a certain skill in cooking or baking, then this one may fit your timetable. Being a good cook or baker isn’t just about impressing other people with your delicious treats, it’s also about creating something “golden” without having to spend much of your tight budget. The test of being a skilled in the kitchen would all come down to whether or not you are wise enough to use the ingredients that are readily within reach, without having to go out to buy more. Show this unrelenting skill and impress your family by organizing a bake off during Halloween night. Come up with creative Halloween-themed cookies, cupcakes, or brownies and add a little flair to your spooktacular creations. Your kids and teens would love it too, because for the first time since the start of the pandemic, they would be able to do something that they haven’t done before, and that is to learn how to cook/bake. Yes, they may have tasted your sweet home-made treats before, but in terms of making those treats, they may have been on the sidelines, merely waiting for the finished product to reach their plates. This is the perfect opportunity to train them in the art of cooking.

Creating Goofy Halloween Masks and Other Spooky Crafts

This activity is targeted to the younger members of your family. Kids love to get messy with their art materials, and this Halloween season, there are no limits. Let them have their fun with crayons, watercolor, and paper mache (with parental supervision, of course). Bring out their creative side and nurture that moving forward, who knows, your toddlers may turn out to be future graphic artists and painters. The thing about this activity is that it doesn’t require a whole lot of materials. You may recycle old newspapers at home, then buy a couple of crayons at your nearest grocery store (they aren’t even expensive, just choose the non-toxic ones). If your kids are too young to handle glue and paste, then be sure to help them out. If you’re going to use felt and colored paper, the paste may cause these colors to stick on their clothes (paper residues), so utmost care is a must.

Storytelling in the Dark with Nothing but a Flashlight

The most valuable thing you can share your loved ones during Halloween night would be fun and scary memories. Get creative and walk down memory lane. Tell your kids about your past experiences which may or may have not been affected by supernatural beings (we’re exaggerating on this, but you get the idea). Add a bit of truth to your stories, incorporating valuable/moral lessons which they may add to their character while growing up. Of course, you may need to clarify on the details someday, so they wouldn’t grow up to be very suspicious people, but think of this as a way to teach them the dos and don’ts of life, without leaning too much on the supernatural aspect and the best thing about this activity? You don’t have to spend money at all. Of course, you may need batteries (for your flashlight) and a couple of snacks, but other than that, you’re going to save more on the electricity charges with the lights off.

These are just some of the ways to have fun during Halloween night without “breaking the bank,” so to speak, but if you’re looking for a well-trusted name that would safely value the security of your hard-earned money and savings during these hard times. Well, look no further than Cebuana Lhuillier’s Micro Savings services. At its core, it aims to provide easier banking access to all Filipinos. The product is almost the same with any regular savings account in the Philippines, but doesn’t require a maintaining balance. It is also streamlined across all Cebuana Lhuillier branches, so you’d be able to experience the same wonderful Micro Savings service without missing a beat. For more information, feel free to visit the nearest Cebuana Lhuillier now!

Affordable, Easy-to-Prepare Treats that You Can Make for Halloween

Halloween night isn’t usually a festivity celebrated by Filipinos. We are familiar with fiestas, Christmas, holy gatherings, and New Year’s Eve, but “the night of terror” is often an overlooked celebration all in all. Of course, there are references to it within the Philippine pop culture, often being plotted as the release date of local horror movies and scary documentaries after the evening news. You might have a relative who grew up in the province, claiming spooky stories of apparitions and mysterious happenings at sundown. You might have even seen a couple of Halloween-themed costumes and treats within your nearest grocery stores and malls, signifying that the local businesses are aware of it, capitalizing on its fame (or infamy) in order to boost sales. But compared to our international counterparts, we do not really celebrate it with enthusiasm or enough effort the way that we do with other holidays. There are countless explanations to this, but we can usually attribute that to our longstanding culture and religion.

Now, this doesn’t mean that we can’t have fun during Halloween season, of course. The thing about this particular festivity is that it is often seen as a waste of time and money, with many critics pointing their fingers towards impractical costumes and sweets. Especially with the country’s current situation, every Centavo counts, and if we were to waste money on such a trivial occasion, we may feel the long-term effects within the coming months. Luckily, there are always affordable alternatives when it comes to celebrating every event or happening, and Halloween night is definitely one of them. Workarounds are always in place to ensure that we’ll be able to have fun, without sacrificing much of our budget, and that is most evident with Halloween treats. As they say, nothing brings a family closer than with a fun, productive activity that can teach each and every member something new, and cooking or baking is a surefire way of doing just that. You may ask though, “What Halloween treats or delicacies should I make with my family? What affordable ingredients do I have to buy to make these kitchen creations? Are they even easy to prepare?” No need to worry, as we have prepared a couple of easy-to-follow recipes in making sweet and delectable (no trick) treats for a spooktacular night.

 

Blood-Red Bingsu

Bingsu or Patbingsu is a well-known Korean dessert, usually made up of shaved ice and condensed milk, topped off with sweet syrup and fruits. You may have tasted one already through your Korean-themed local fastfood, but did you know that it is also fairly easy to make?

Ingredients:

For the Red Syrup Topping

  • 1 cup of strawberries
  • 2 tbsps of sugar
  • 1/2 cup of all-purpose cream
  • 1 cup of water
  • 1 and 1/2 tsps of soy lecithin

For the Milky Ice

  • 2 cups of water
  • 1 can of evaporated milk
  • 1/2 cup of all-purpose cream
  • 1/2 cup of condensed milk

For the Fruit Topping

  • 1 cup of strawberries
  • 1/2 cup of sugar

Instructions:

  • Let’s start with the milky ice. You need to blend all of the milky ice ingredients together, after which, you’d need to pour the mixture into an ice cube tray. Leave it overnight in the freezer.
  • To prepare the fruit topping, you need to cook the strawberries in a saucepan with sugar. Set the stove to medium heat and cook until the mix is thickened. Make sure to crush the strawberry pieces while you stir.
  • Let us move on to the red syrup topping. First, you need to blend the first four ingredients together (strawberries, sugar, all-purpose cream, and water) until it is processed into a smooth mixture, after which, you need to transfer it to a deep glass bowl. Add in the soy lecithin and mix with an immersion blender until the whole mixture begins to foam.
  • The milky ice cubes should then be shaved (using a scraper) into a large bowl, followed by the fruit topping and red, foamy syrup.

Keep in mind that you may need to prepare the ingredients the day before (if you’re even planning to serve this on Halloween night itself), as you need to freeze the milky ice overnight.

 

Creamy Pumpkin Soup

Nothing screams Halloween louder than a good old pumpkin. It has since been recognized as a Halloween symbol (along with bat and ghost shapes), mostly adorning the outdoor windows, often having carved faces and spooky imagery. But this recipe isn’t all about the decorations, but rather the home-made, creamy goodness to warm up the chilling Halloween night.

Ingredients:

  • 1 tbsp of butter
  • 1/4 cup of finely chopped onions
  • 500 grams of cut up pumpkin (also known as squash here in the Philippines)
  • 3 cups of water
  • 1 piece of bay leaf
  • A few bits of salt and ground black pepper
  • 1/2 cup of evaporated milk
  • 1 pack of all-purpose cream

Instructions:

  • First, you need to melt the butter in a saucepan. Set the stove to medium heat and add in the onions. Sauté until they are all softened.
  • Add in the cut up pumpkin/squash and sauté it for about 5 minutes. You’d then need to pour in the water. Add in the bay leaf and season to taste with the salt and ground black pepper.
  • Bring it to a boil, then let it simmer until the pumpkin/squash is cooked. Remove the bay leaf then add in both the evaporated milk and all-purpose cream.
  • Mix it well. You may even use a hand blender to make the soup as smooth and creamy as possible. You may add more water, salt, and pepper, depending on the taste and texture of the overall mixture.

You may consider this as part of your dinner during Halloween night, accompanied by freshly-cooked rice.

 

Strawberry Ghost

Here’s something cute and boo-tiful to lighten up the mood during Halloween night. Basically, these are strawberries dipped in melted white chocolate, shaped and left to cool in order to create a ghastly aesthetic. Not only is it fun to make, it’s also healthy for the kids.

Ingredients:

2 cups of strawberries

1 and 1/2 cups of melted white chocolate

1 tsp coconut oil

1/4 cup of mini chocolate chips

1 cup of melted chocolate chips

Instructions:

  • First, you need to prepare a baking sheet. Line it with parchment paper.
  • Next, you need to combine the melted white chocolate and coconut oil in a large bowl. Stir the mixture thoroughly.
  • Here’s the fun part. Dip the strawberries into the white chocolate mixture, then place two mini chocolate chips on the top half of the strawberries for the eyes.
  • Place the dipped strawberries on the baking sheet you had prepared earlier and place it in the refrigerator for about 10 minutes, or until the white dip hardens.
  • Pour the melted chocolate chips in an icing bag (a Ziploc with one corner cut by a scissor would suffice as well) and form the mouths on the dipped strawberries. Place it in the refrigerator once more to allow the melted chocolate to cool. 5 minutes may be enough, but again, feel free to leave it in there longer if the melted chocolate hasn’t hardened yet.

All of these treats should be shared, hence, why none of your loved ones would be left out during snack time.

Well, this is just one way of saving money while having fun with your family during Halloween night, but you may be looking for a well-trusted name that would safely value the security of your hard-earned money and savings during these hard times. Well, look no further than Cebuana Lhuillier’s Micro Savings services. At its core, it aims to provide easier banking access to all Filipinos. The product is almost the same with any regular savings account in the Philippines, but doesn’t require a maintaining balance. It is also streamlined across all Cebuana Lhuillier branches, so you’d be able to experience the same wonderful Micro Savings service without missing a beat. For more information, feel free to visit the nearest Cebuana Lhuillier now!

World Savings Day Promo 2020

World Savings Day Promo Mechanics

1.Ang promo na ito ay available ng isang araw sa World Savings Day, October 31, 2020.

2.Lahat ng walang Micro Savings account ay maaaring sumali.

3.Makakatangap ng e-raffle entry kapag nagbukas ng Micro Savings Account mula sa alinman sa 2,500 Cebuana Lhuillier branches, o gamit ang eCebuana app.

4. Ang Draw ay magaganap sa Nov. 6, 2020, 5:00pm at mapapanalunan ang mga sumusunod

5. Ang Draw ay gaganapin via Zoom / Google Meeting saksi ang isang DTI Representative

6. Ipagbibigay alam sa mga nanalo ang kanilang prizes sa pamamagitan ng FB, SMS at registered mail. Ang kanilang prize ay idedeposit sa kanilang Micro Savings Accounts.

7.Ang prizes ay maari lamang i-claim sa loob ng 60 na araw mula sa araw na makuha ang registered mail.

8. Ang mga empleyado ng P.J. Lhuillier Group of Companies, agencies, services, at kanilang mga kamag-anak hanggang second degree ng consanguinity o affinity ay hindi maaring sumali sa e-raffle.

Protectmax Promo: Panalo to the Max

FULL PROMO MECHANICS:
1. Promo will run from October 1 to December 31, 2020.
2. For every purchase of four (4) ProtectMAX in a single transaction, client earns one (1) e-raffle entry.
3. There will be eighty (80) winners of P1,000 cash monthly (10 per region) and twenty-four (24) winners of P10,000 cash in the grand draw (3 per region).
4. Customers can earn as many raffle entries based on their number of qualified transactions but can only win once in the entire promo period. Entries who have already won are not eligible in the next draws.
5. Period covered for the monthly draws and grand draw are as follows:
a. 1st Monthly Draw: October 1-31, 2020
b. 2nd Monthly Draw: November 1-30, 2020
c. Grand Draw: October 1-December 31, 2020
6. Qualified entries for the 1st and 2nd monthly draws will be electronically drawn on November 16 and December 14, respectively; qualified entries for the grand draw will be electronically drawn on January 22, 2021. The draw will be at P.J. Lhuillier Inc. ICT Office 3/F, The Networld Hub 156 Jupiter cor. Bel-Air, Makati City 1209.
7. Winners will be notified through SMS.
8. Unclaimed prizes will be forfeited sixty (60) days upon receipt of notification.
9. Announcement of winners will be posted in Cebuana Lhuillier branches and official Facebook page.
10. Employees of P.J. Lhuillier Group of Companies, agencies and services and their relatives up to second degree of consanguinity or affinity are not qualified to join the promo.

Your Indoor Financial Companion: Introducing Cebuana Lhuillier’s Cebuana from Home and Its Features

Whether we like it or not, the pandemic is still ongoing. Many of us are understandably frustrated, urging to go out after spending the past few months being stuck indoors. While the guidelines have somewhat been relaxed in some parts of the country, strict rules are still being followed in areas that are deemed a possible high-risk zone. The urban landscape, for example, is the main spot of these implemented rules, and as long as the confirmed cases are still at an all-time high, the said regulations will remain in place. Now, as the virus continues to haunt our society, simple transactions and processes are somewhat tougher to accomplish. The long lines and hassle are part of the “new normal,” making your everyday routine a lot more tedious than the usual. Money remittance is no exemption, as people tend to line up during the early hours, just to receive a handful of financial aid from their loved ones.

The good news is, in spite of everything that’s been happening around the country, Cebuana Lhuillier’s everlasting goal to provide each and every Filipino with exemplary service still remains to this day. No virus or pandemic would ever change that, which is why they recently launched an online service that would cater to the needs of every Filipino.

Cebuana from Home is an online service that aims to serve the Filipino people at the safety of their homes. There used to be a time when patrons would line up for a few minutes just so they could have their money remitted or their jewelries appraised. Now, with the “new normal” being rolled out, Cebuana from Home is a great companion for every Filipino who do not want to risk being caught within the dangerous grasp of the virus, while at the same time continue with their usual transactions with only the most-trusted name in money remittance.

Where can I access it and what are its features?

You may access Cebuana from Home via their official website at https://remitfromhome.cebuanalhuillier.com/Home/Services. The features are tailor fitted to provide the usual services that every Filipino wishes to pursue at their preferred branches. The online system has been streamlined, so it doesn’t matter if you’d run the online transaction at home or through an internet café, as long as the customer were to provide the complete and correct details within the corresponding online forms.

1. Online Domestic Remittance

Cebuana from Home’s Online Domestic Remittance enables Cebuana Lhuillier’s long-time patrons to send money towards their loved ones, without even leaving the comfort of their homes. They just need to click the Domestic Remittance option from the main menu, after which, they would be redirected towards an online form. The sender would need to provide his/her complete details, along with the details of the person to whom he/sheis sending the money to. This online service is pretty flexible as well, in the sense that it allows the sender to either use his GCash, PayMaya, BPI, BDO, or other bank accounts to send the corresponding cash remittance. Of course, he would still need to send the receiver a heads up for when the online transaction has been successful, so that the receiver may spring into action when acquiring the amount. Again, just make sure that the details are all correct and complete, so as to avoid any confusion within the process. It is as easy as 1-2-3.

2. Online Insurance

Of course, Cebuana Lhuillier has expanded its reach for its insurance service as well. Similar to the Online Domestic Remittance service, the Insurance option should be chosen at the main menu, after which, the user would be taken straight to the insurance section. Once inside that webpage, the user has three main options to choose from. We have the PA Prime, the ERCare, and the TeleCare. Each and every one of these insurance offerings has their own features and coverages. PA Prime has an annual premium of P100, ERCare has a premium which starts at P550, and TeleCare has a premium that starts at P200. Of course, there is more to see if the user were to choose one of those insurances. Clicking on one of them would bring the user towards that particular insurance’s main page, thus explaining all of the features and packages of the said insurance option. Below each main insurance page are two vital parts which the user should be aware of, the first one being the complete “Terms and Conditions.” Right below that would be the “Buy Now” option, which would enable the user to enter the purchase page, if ever he/she were to have a quick decision within the very same day, with regard to his/herinsurance preference.

3. Online Payments

Not to be confused with your general utility bill payments, Cebuana from Home only accepts the following payments at the moment:

  1. Asialink Finance Corp.
  2. Converge ICT Solutions Inc.
  3. Finaswide Credit Corp.
  4. Global Dominion Financing Inc.
  5. Home Credit
  6. Motor Star
  7. Probikes Motorcycle Center
  8. Subic Water
  9. Sumisho Motor Finance Corp.

Clicking on any one of these would bring the user to the main payment page, where he/she can fill up the needed details to proceed with the payment process. As with the other online services, this one wouldn’t take long to finish. They also accept GCash, PayMaya, BPI, BDO, and other bank accounts as a valid source of the payment itself.

4. Online Pawning

The last online service would be the online Pawning option. Unlike the first three options, this would have an extra step before getting to the main payment page. After clicking “Pawning” from the main page, the user would then be asked if he/she wishes to make a “New Pawning” transaction or a “Pawn Renewal” transaction. Choosing either of the options would take the user to the main fill-up page, where he/she would need to fill in the needed details (including information about the jewelry) in order to proceed. As with the other online services, every detail should be correct and complete, to avoid any confusion within the transaction.

So, that’s just about it. For more information about the Cebuana from Home service, you may visit https://remitfromhome.cebuanalhuillier.com/Home/Services or contact the following details: [email protected] or call Cebuana Lhuillier at (+632) 759-9888/(+632) 779-9888 Local 1372 or 1373 or via (+63)918-488-3912.

Pay Now or Later: Sorting Your Priorities for a Stable Financial Future

“Which one should I pay first?” This is probably the question you’re asking each time you receive your bundle of bills. It isn’t easy to budget your financials, especially if all of your subscriptions are urging to be fulfilled in one way or the other. The thing about expenses is that they will remain at your grasp unless you pay them off. It’s like trying to cook rice while watching your favorite soap opera. As much as you’d like to focus on what you’re watching, you can’t, as leaving off the rice to cook all by itself would result to a very toasty lunch, or worse, a burnt kitchen. Every bill has their own due date, and not paying off the whole amount before that said due date would either result to a penalty or a disconnection, and both are something that no one wants to pay extra for.

Now, everyone seems to have the habit of spending all their money in one go, paying their bills while going for groceries after. It may seem wise at first glance, as the notion of “hitting two birds with one stone” would always come to mind. However, this isn’t always the case. Paying off all your bills during the same day as your grocery restock also has its disadvantages. For one, all of your budget would usually be allocated towards your bills, thus, your groceries would be limited to the ones that you can purchase with whatever’s left of your money. Aside from that, there may also be emergency situations which would require you to shell out a certain amount, and that would be bad if you have nothing left. Of course, there’s nothing wrong about paying your monthly obligations, but there is a far better and practical way of paying them, in order for you to still have a few extra savings by the end of the month.

The Battle of the Due Dates

Out of all the bills you’d receive every month, the electric bill would be your most crucial dark horse. There is no question; electricity is a must-have for all households. Take that away and you have no cold water, no cool air, no light, and no entertainment. It’s just a necessity that somehow everyone takes for granted, yet, creates a huge impact when it is absent. Of course, you need air and water to live, but electricity is somewhat a catalyst when you want to experience comfort on a daily basis. With all of that being said, this should be your number one priority. If you think a few minutes of brownout is bad, having no electricity for a week because you missed the due date is much worse.. Pay all of the pending amount if you have to, just don’t let your electricity go.

Depending on the interval, right after your electricity bill would be the water bill. Admittedly, these two bills compete for the top spot, with regards to their due date. You might even receive them around the same time that you begin receiving your monthly bills. However, there is a short pause among them, which is why you should not pay them simultaneously if you know that you’re going to end up short on cash even before the other bills arrive. Pay for the electricity bill first, and then when the water bill arrives, be sure to sort out your budget. If it is enough and you have a little extra amount for food and groceries, feel free to pay off the water bill as well. If your budget would not permit you to accomplish all of this, then take notice of your water bill’s due date. You may need to adjust your grocery list, lessen the items to buy without compromising much of your essential needs, find ways to earn a little extra or wait for your next payday (if possible), just make sure that the water bill gets paid at least a day before the due date. Your last option would be to borrow cash from a well-trusted friend or family member, though make sure to pay them back once you get your next pay. This is for when you don’t really want to get penalized or your water lines cut. It isn’t easy to borrow money from other people, but it’s practical and understandable.

With the main essentials out of the way, we may now talk about your luxury bills, such as your cable connection and your internet connection. Entertainment is important, but not as important as water and electricity. Still, if you want to maintain your means of entertainment, be sure to keep it at the bottom of the list. The penalties for non-essential bills are pretty much manageable compared to the essential ones. The same goes for your internet connection. Communication is very vital, especially during these hard times, but you can very much survive with a few prepaid subscriptions, both for data and for calls. If you’re the work-from-home type, then perhaps you can place your internet connection a notch higher than your cable connection. The good news is, there are some companies who are offering both of these in a bundle deal. Whether or not they’re affordable would be up to your budget, so feel free to analyze your earnings before making a big decision when it comes to these subscriptions.

As with all advice on the internet, these may vary with your current situation and monthly income. If your monthly income enables you to pay all of these with no hassle then you are very much blessed, proceed to pay as you wish. But if that’s not the case, then you may follow these tips with a few personal discretions, depending on your current budget.

With all of these in mind, you may be looking for a well-trusted name that would safely value the security of your hard-earned money and savings during these hard times. Well, look no further than Cebuana Lhuillier’s Micro Savings. At its core, it aims to provide easier banking access to all Filipinos. The product is almost the same with any regular savings account in the Philippines, but doesn’t require a maintaining balance. It is also streamlined across all Cebuana Lhuillier branches, so you’d be able to experience the same wonderful Micro Savings product without missing a beat. For more information, feel free to visit the nearest Cebuana Lhuillier now!

Preparing for the Unknown: A Checklist of Things to Settle for the Unforeseeable Future

“What are you afraid of?” – More often than not, people would answer this with the phrase, “I’m afraid of the unknown.” Indeed, everyone fears the future, the unforeseeable tomorrow that lies beyond what one can see. There are people who would spend money on fortune tellers, asking them for guidance on how they may best face the upcoming days of their lives. While it may seem ridiculous, even humorous at times, you can’t really blame them for doing something as trivial. Sure, we can all get by with our daily routines, doing what we usually do on a daily basis, working on the things that we are all too familiar with, and you know what they say about that, familiarity brings comfort and complacency. That, however, is where the problem arises. You see, nothing in life is ever consistent. You may have experienced a bright, sunny day today, but tomorrow may bring a whole lot of rain showers. The same goes for your daily routines, as things do not always go according to plan. Just when you thought today would seem as peaceful and serene as yesterday, something happens that shakes you out of your complacency, thus, rendering you shocked and confused. This is what everyone’s afraid of, this is the unknown that we all dread and hate.

In such case, you may ask, “Is there any way to deal with this? Is there anything that we can do in order to survive the unexpected things in our lives?” Well, there is one thing that we can do, and that is to prepare. No one can ever predict what tomorrow may bring, but preparations would give us that well-needed cushion in order to strengthen us and lessen the impact of any form of incident or emergency that may come our way.

1. First of all, settle all your dues.

May it be a utility bill, a loan, a luxury subscription, a government tax, or even an unpaid debt from years ago, as soon as you have the cash, settle them all, leaving no pending balance behind. The thing about unpaid dues is that, they’ll never go away without any equivalent action from you, and that action only requires you to do one thing – to pay. If you were to leave any debt unsettled and an emergency situation happens, your dues may add up, thus, leaving you with little to no amount of savings. Be wise and settle everything as early as possible. Be responsible enough to initiate all of your payments without waiting for any sort of warning or penalty. Remember that prevention will always be better than cure, and no financial cure may be able to remedy a huge pile up of debt just because you failed to settle all your dues on time.

2. Gather all your paperwork.

We all have our very own personal documents at home. You probably have them neatly stacked within an air-tight suitcase above your cabinet or just below your bed. Nonetheless, they are an immediate requirement for almost any process that may involve the government, ranging from your birth certificate, your tax registrations, and even your diploma. Now, as motherly as it may sound, you need to gather all of these documents (if you haven’t still) and keep them all well-organized within a single suitcase or container. Double check that you’re not missing anything. Be sure that the container is strong enough to withstand any moisture so that none of your documents would get wet, in the case of flash floods and other calamities that may involve heavy rain. Simple as they may be, these documents represent a certain part of you, which will help the government validate information about you in the long run, and losing even one of them may leave a dent in your records, making the process a lot longer to finish. This is true, especially if you’re applying for a passport or a driver’s license. This problem is even more amplified when you’re going for a benefit or a loan. Policies are much stricter when you’re particularly asking for money, since the government or the lending company doesn’t want to suffer scams.

3. Get a comprehensive insurance.

Emergencies, calamities, accidents, you name it! People are afraid of these, not only because they cause major harm and destruction towards the welfare of people and their hard-earned properties, but also due to the fact that they cause a huge amount of expense, even after the whole ordeal is done. A flash flood may wash away half of your home, a car accident may break a couple of your bones, and a sudden jolt of lightning may cause a short circuit fire, all of these are occurrences which may cost you a huge amount of money, and you definitely want to avoid paying for everything. A comprehensive insurance may very well save you a lot of money, due to the fact that they have various forms of coverages that can pay for most of the charge caused by these unfortunate incidents. If you happen to be rich then good for you, you can obviously pay for any property damage or body injury that may come your way, but if you only happen to make ends meet every month, then an insurance would be your best friend and well-trusted companion in facing the unforeseeable future.

With all of these in mind, it may be no surprise that you’re weighing your options, analyzing which establishment would be best for availing a well-trusted microinsurance premium and coverage. Look no further than with Cebuana Lhuiller’s Microinsurance Offerings, these are affordable insurance products which help Filipinos avail of financial services and privileges that higher-income earners have easy access to.Armed with innovative microinsurance products and services that promise to minimize impact of distress and misfortune on one’s financial position, Cebuana Lhuillier offers only the best for its clients. Feel free to visit your nearest branch for more information.

Pawn Renewal: What is it and how is it done?

Pawning – The process of pawning off (surrendering) your valuables (usually in the form of jewelries and electronic gadgets) at a pawnshop. The transaction may look so simple, but there are a lot of underlying contexts within the process itself. For one, a person who pawns off a valuable item is either in need of quick cash or is no longer interested in the item itself. For the most part, the former is a more common case amongst us Filipinos. Things haven’t been easy lately, and it is just understandable for a person to trust his/her instincts and turn to pawning as a last resort. . Secondly, a person does not simply leave a valuable item within the pawnshop without coming back for it later on. There is another transaction that the patron has to undergo if he/she wants to retain that particular item in the near future. This certain transaction is the main focus of our write up, a process known as Pawning Renewal.

What is Pawn Renewal?

Simply put, it is the process of paying off the loaned amount (with interest) before the set time period expires, in order to get the valuable item back. May it be a jewelry, a gadget, or even an appliance, the borrower has to make sure that he/she would make the frequent payment dates, just so the item does not get defaulted.

What happens if the item gets defaulted?

Well, the pawnbroker has the right to sell off the valuable item, whether you like it or not. It is not an endearing situation, but this certain condition would surely be explained to you on the get-go, just so there wouldn’t be a misunderstanding once your due date is up. Now, you might think, “Well, I didn’t know that pawning off my most-prized possessions meant that I would no longer have them back.” It’s actually not that simple. You see, every item that is being pawned off would be inspected first. If it’s in good condition, then you’d be lent a great amount of cash. If it’s in a low quality condition, however, you would only be given a small amount. The process of inspecting the item and coming up with a fair, equivalent price is what you’d call an appraisal. You may have heard of it before during your last visit to the pawnshop. Determining the value of an item is not easy, so be thankful the next time that you’d get a huge amount out of an ordinary-looking gold-plated watch; the pawnbroker may have been very generous to you.

Take note that your pawned off items can still be retrieved. Pawning them off doesn’t necessarily mean giving them away, as you still have all the chance in the world to take them back, just make sure that you pay for the loaned amount, complete with the interest.

Okay, so who do I trust the next time I’m in need of quick cash?

Well, you wouldn’t even need to look further than your nearest Cebuana Lhuillier branch. You can never go wrong with their longstanding Pawning Service. They lead the pawning industry by offering only the safest and the highest appraisal rate in the industry in their more than 2,500 branches nationwide.

How does Pawn Renewal work in Cebuana Lhuillier?

It’s a fairly easy process. You can visit the nearest branch where you pawned your item for your renewal transaction. Cebuana Lhuillier also has a renew anywhere facility. You just need to bring your pawn ticket and a valid ID when visiting the branch. Take note, however, that there will be a P50 convenience fee per transaction. You can even check your renewal amount indicated on the lower left portion of your pawn ticket.

Do other pawnshops do this as well?

Of course, they do. Pawn Renewal has always been at the heart of a pawning businesses. When people who are in need manage to get back on their feet, they’ll be coming back in the pawnshop to retrieve their most-prized possession, thus, retaining only what they’ve surrendered in the very beginning, nothing more, nothing less.

What separates Cebuana Lhuillier from the other pawnshops here in the Philippines?

Here is an official statement from Cebuana Lhuillier’s official website:

“Cebuana Lhuillier provides the country’s leading pawning service to Filipinos in need of instant cash, offering a 30% higher appraisal rate VS other pawnshops hence, higher take home. Our 2,500 branches accept an array of items, from jewelry to gadgets, as collateral, the company’s core business has evolved with the needs of its clients.”

Let us put emphasis on the phrase “offering a 30% higher appraisal rate VS other pawnshops.” Cebuana Lhuillier isn’t just about the profit, they also serve to help out each and every Filipino who are down on their luck already. The company has been around for decades, and from the very beginning, it has always been about giving the Filipino people an exemplary service worthy of any other VIP out there.

What items do they accept?

They usually accept the following items:

  • Gold
  • Diamond
  • Platinum jewelry and watches
  • Cellphones
  • Laptop computers

How complicated would the pawning requirements be? Do I have to bring many documents just to pawn off my valuables?

No, a very big NO. As a matter of fact, Cebuana Lhuillier’s pawning service has always been about simplicity and convenience, much so that they’d only require at least one (1) of the following as a valid form of identification.

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Barangay Certification
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) Card
  • Senior Citizen Card
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration/Immigrant Certificate of Registration
  • Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
  • Home Development Mutual Fund (HDMF ID)
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines (IBP) ID
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission

With all of that being said, never forget about renewing your pawned off item. Once you finally have a good amount of money, you can pay off the loan (with a small interest) and retrieve your jewels back. Feel free to visit their official Pawning page for more information: https://www.cebuanalhuillier.com/pawning/.

Compartmentalization: The Art of Separating Your Expenses

Oftentimes, we find ourselves with a lot of expenses, bills, and essentials-to-purchase that we forget to budget our financial resources. Understandably, people often want to spend their money in one go, so as to avoid overlooking any pending balances. People need to pay their dues, after all, and failing to do so would either result in penalties or sanctions. Essentials such as groceries and food are top of mind when asked what people spend on. Failing to buy groceries may leave you with a lesser budget to use later or worse, not having any supplies at But the thing about spending all your money in one go is that it doesn’t give you any opportunity to save. Of course, you may no longer have a pending balance and a shortage in household supplies if you were to spend them now, but therein lies the important question, “Is it possible for you to rank your expenses, and in turn, segregating your budget allocation?” If your answer to this question is a resounding “Yes!” then you are on the right track.

The art of separating your expenses would not only enable you to save, it would also help you prioritize your payments from one another, in the sense that you would be able to hold off one form of expense just so you can pay off the most important bill first. These following tips and examples may be able to help you in budgeting using this method.

1. Be reminded of the due dates.

Bills and subscriptions will always have their own set of due dates. They are, after all, a written form of alarm, which would always remind you of the last day of payments. Obviously, there are consequences when you don’t pay your dues on time. For some, it is a mere penalty, for others, it may be a straight-up discontinuance of service, and you wouldn’t want that to happen. In such cases, be sure to read your bills thoroughly, and be mindful of all your due dates. Sincesubscriptions and utility bills have separate due dates, it would be very helpful to arrange them in order. Whichever has the nearest due date should be dealt with immediately, then the one that follows right after, and so on. There are actually two advantages in paying off bills “in order”:

  1. Not paying everything in one go would actually leave you with something in your pocket (a sort of emergency fund), just in case something unexpected comes up.
  2. Paying in intervals may intertwine your current budget with your salary day/payday, thus, giving you an extra amount in the process.

It’s a form of a financial cushion, especially during these hard times, when the economy isn’t doing very well.

2. Sort out your priorities.

Segregating your purchases like groceries, wants, etc. may give you a well-needed time to reflect on the things that really matter, on the things that you’d really need. For example, if you were to analyze your purchases between canned goods and new earphones instead of buying them both and spending all of your budget, you may come to the conclusion that the canned goods are more important than the earphones itself, an item which you may very much still purchase, but only at a later time. Food is more valuable than electronics after all. The same goes for clothes, gadgets, sanitation items, toiletries, etc. We’re sure that while mentioning those items, you were already able to form a ranking at the top of your head, with the essentials going at the top of the list and the gadget at the bottom. Perhaps it’s our practical nature, telling us what we’d need to survive on a daily basis, rather than the things that we may call luxuries. Either way, ranking your shopping list would not only be a practical thing to do, it would also be very responsible, as you’d be wise to go for the needs before the wants. Segregate them and watch your money grow with each passing payday.

3. Time your budget wisely.

People often overlook the fact that time and money goes hand in hand. Both are very crucial resources, and if you were to mishandle any one of them, it may affect the other and leave you with lesser resource than before. This is true, especially with your monthly dues. We all have bills to pay, that’s a fact. We also have a limited time to pay them off before receiving penalties. Now, similar to the very first pointer, timing your payments would not only leave you with a “ready amount” on-hand, it would also allow you to sort through your dues and determine which should be paid first. This may become a bit tricky, especially if your bills were to intertwine with your grocery days. “Which one should I pay first? Should I buy less in order to pay for my bills? Perhaps I can still buy this essential item, but only after my next salary arrives.” These thoughts are pretty much the reason why timing your budget would be beneficial, as it gives you more time to think and strategize about your well-earned money. This is far more crucial when you have your own family, as you’re not the only one who’s going to enjoy the fruit of your wise financial decisions.

With all of these in mind, you may be looking for a well-trusted name that would safely value the security of your hard-earned money and savings during these hard times. Well, look no further than Cebuana Lhuillier’s Micro Savings. At its core, it aims to provide easier banking access to all Filipinos. The product is almost the same with any regular savings account in the Philippines, but does not require a maintaining balance. It is also streamlined across all Cebuana Lhuillier branches, so you’d be able to experience the same wonderful MicroSavings service without missing a beat. For more information, feel free to visit the nearest Cebuana Lhuillier now!

CORPORATE AGENT PARTNERS

  • ACTION.ABLE, INC.
  • ALL ACCESS GATEWAY INC.
  • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
  • ACM VIP
  • ALL CASH
  • AGRILIFE/ AGRIVET
  • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
  • AVICOM ENTERPRISES
  • AYALA ALABANG VILLAGE ASSOCIATION
  • BAUG CARP MULTI PURPOSE COOPERATIVE
  • BAGUIO BENGUET COOP
  • CARD BANK INC
  • CARD MRI RIZAL BANK INC
  • CARD SME BANK
  • CARITAS BANCO NG MASA, INC.
  • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
  • CIS BAYAD CENTER, INC
  • COOPERATIVE BANK OF BOHOL, INC
  • COUNTRY BUILDERS BANK
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • AEON CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
  • ALLIANZ PNB LIFE INSURANCE INC.
  • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
  • AMADEO WATER DISTRICT (VIA ECPAY)
  • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
  • ANGAT WATER DISTRICT (VIA ECPAY)
  • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
  • ANJELMAN REAL ESTATE LEASING
  • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification System (PhilSys) ID
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
23. ID issued by the National Council on Disability Affairs (NCDA)