RCBC Hexagon Credit Card Guide: Everything First-Time Users Need to Know
Kung first time mo magka-credit card, exciting pero medyo nakaka-overwhelm din. Ano ba talaga ang credit card? Para saan ito? At sulit ba para sa’yo ang kumuha ng RCBC Hexagon Credit Card?
This guide is made especially for beginners — mga tao na wala pang credit card or curious kung paano ito gumagana. By the end of this article, you’ll clearly understand:
What a credit card is
How it works in simple terms
The benefits and features of the RCBC Hexagon Card
How to apply step by step
Common mistakes first-time users make
What Is a Credit Card and How Does It Work?
The Basics
A credit card is like a short-term loan from the bank. Instead of paying cash, you swipe or tap your card, and RCBC pays the merchant first. Then, you pay RCBC later — either in full or through installments.
Analogy: Think of it like borrowing pamasahe from a friend para makauwi ka agad. You pay them back when you get home.
Key Terms to Remember
Credit Limit – Maximum amount you can spend using your card.
Billing Cycle – The period when your purchases are tracked (usually 30 days).
Due Date – Last day to pay without penalties.
Interest – Extra charge if you don’t pay in full.
Why Choose the RCBC Hexagon Card?
The RCBC Hexagon Card is designed for flexibility. Perfect for first-time users na gusto ng card na pwede sa lahat — shopping, travel, dining, and emergencies.
Benefits and Features
✅ Flexible Installments – Convert big purchases into monthly payments.
✅ Rewards Points – Earn points for every spend and redeem them for freebies.
✅ Cash Advance – Withdraw cash in times of emergency.
✅ Wide Acceptance – RCBC is part of Visa/Mastercard networks, accepted worldwide.
✅ Exclusive Promos – Discounts on partner stores, restaurants, and travel deals.
RCBC Hexagon Credit Card Requirements
Basic Requirements
Must be at least 21 years old.
With a minimum monthly income (usually ₱15,000–20,000).
Valid government-issued ID (UMID, Passport, Driver’s License, etc.).
Proof of income: payslip, COE, or ITR (for employed).
For self-employed: business registration papers and bank statements.
For Beginners with No Credit History
Good news: Even first-time users can apply if they meet RCBC’s minimum income and document requirements.
How to Apply for the RCBC Hexagon Credit Card
Step-by-Step Process
Prepare Your Documents – Make sure IDs and proof of income are updated.
Fill Out the Application Form – Available online or in any RCBC branch.
Submit for Review – The bank checks your income, stability, and background.
Wait for Approval – Processing usually takes 1–2 weeks.
Receive Your Card – Once approved, your card will be delivered to your address.
👉 Tip: Before applying, use the Credit Card Cost Calculator to estimate how much you can comfortably pay each month. This helps avoid overspending.
Common Issues First-Time Credit Card Users Face
Overspending – Treating the limit as extra income.
Solution: Only charge what you can pay in cash.
Late Payments – Forgetting due dates leads to penalties.
Solution: Enroll in auto-debit or reminders.
Not Understanding Interest – Paying only “minimum” can snowball into debt.
Solution: Pay the full amount when possible.
Ignoring Fees – Some users don’t realize annual fees exist.
Solution: Read the fine print and ask RCBC about annual fee promos.
Smart Tips for First-Time RCBC Hexagon Cardholders
Always pay on or before the due date.
Don’t max out your limit — keep usage below 30%.
Use rewards wisely (redeem for essentials, not just wants).
Start small: use your card for groceries or bills to build good credit history.
Monitor your statements monthly.
TL;DR (Too Long; Didn’t Read)
The RCBC Hexagon Credit Card is a flexible, beginner-friendly card that lets you shop, travel, and manage finances conveniently. Just remember to use it responsibly: pay on time, spend within your means, and track your costs using tools like the Credit Card Cost Calculator.
FAQs About the RCBC Hexagon Credit Card
1. What is the minimum income requirement for the RCBC Hexagon Card? Usually around ₱15,000–₱20,000 monthly, but RCBC may adjust depending on your application.
2. Can I apply if it’s my first-ever credit card? Yes! As long as you meet the income and document requirements.
3. How much is the annual fee? RCBC Hexagon Card has an annual fee, but sometimes waived for the first year or with promos.
4. What happens if I only pay the minimum? The unpaid balance will earn interest, making your debt grow bigger.
5. How long does approval take? Typically 1–2 weeks after submission, depending on document completeness.
✅ Now you’re ready to decide if the RCBC Hexagon Credit Card is the right first step in your financial journey.
