Bankard A YGC Member - Cards - About myDream JCB

Bankard's no-frills, no-nonsense, easy-to-pay international credit card - myDream JCB- is Bankard's response to the clamor for the ideal credit card that lets cardholders purchase the dream items they want without the nightmare of paying extremely high interest rates!

With myDream JCB, paying your credit card monthly dues is no longer that burdensome as it offers its cardholders the option to regain control of their card balance AND enjoy incredible savings at the same time! With its incredibly low effective interest rate of only 2.9% per month, myDream JCB is the card for wise people who know how to appreciate the value of a credit card that also serves as an effective funds management tool.

What's more, myDream JCB offers low installment interest rates. Click here for the rates.

It's not a promo. It's not a gimmick, either! It's myDream JCB and its permanently low effective interest rates and equally low annual fee of only P800, the lowest among all international card brands.

To apply for a myDream JCB and simultaneously request for balance transfer. Just call the myDream JCB Customer Hotline at 888-1818 (within Metro Manila) or 1-800-10-888-1818 (outside Metro Manila, using PLDT NDD access). Remember your existing non-Bankard credit card must be at least a year old and in good credit standing for you to be able to avail yourself of balance transfer.

Stop agonizing over your nightmarish credit card bills. Use your head. Make the wise choice. Get a myDream JCB and transfer your balance NOW!

myDream JCB offers the most affordable annual fee of P800 convertible to installment over 3, 6 or 12 months.

myDream JCB is accepted for Bankard Installment at LOW effective monthly installment rates. Click here for details.

Allows myDream JCB cardholders to transfer their outstanding balance from their non-Bankard credit card account/s by calling the myDream JCB Customer Hotline at 888-1818 or downloading the Transfer your Balance Request Form and mailing the same back to Bankard Customer Service Division together with all the required documents.

A feature of the Bankard Installment Program that allows cardholders to convert their outstanding balance or upcoming retail transactions to installment just by calling the myDream JCB Customer Hotline at 888-1818.

myDream JCB is widely accepted and recognized by major establishments throughout the country and in over 10 million establishments in 189 countries. Just look for the JCB logo and enjoy the financial flexibility and world-class service myDream JCB provides.

myDream JCB's Pay-Easy-Plan is the best in payment flexibility. Cardholders can charge in various currencies abroad and pay in pesos when they get back home. Plus, they have the option to pay the minimum of 1/20 of their outstanding balance or P500, whichever is higher, at a very low effective revolving interest rate 2.5% per month.

Cardholders have access to cash on their myDream JCB of as much as 30% of their credit limit at any ATM bearing the Cirrus logo worldwide.

Bankard cardholders have access to the widest range of payment options and can settle their monthly credit card bills via any of the following:

Customer Service Toll-Free Numbers

myDream JCB cardholders can call Bankard anywhere from over 20 countries just by dialing +8000-BANKARD (where "+" is the country access code). When in the Philippines but outside of Metro Manila, they can call Bankard at
1-800-10-888-1818 using PLDT NDD access. Within Metro Manila, they can call the myDream JCB Customer Hotline at 888-1818.

Other Value-added Services

The JCB Plaza
As a commitment to provide the highest level of cardholder satisfaction, JCB has established the JCB Plazas as a key vehicle for service delivery. A worldwide network of card service centers operated independently by JCB, the JCB Plazas now number 31 around the world. And more are rapidly being established. JCB Plazas combine a comprehensive range of services and information on just about everything from merchants to shopping and sightseeing, taking care of bookings for golf, hotels, restaurants, tours, as well as assistance for lost and stolen cards, emergency situations and medical needs.
The JCB Passport
For special discounts and privileges at selected merchant establishments throughout the world, there's JCB Shopping and Dining Passports. Extremely helpful and convenient, these pocket-size brochures serve as a tool to access the many special perks JCB offers. As an added extra, JCB Passports contain a map of the major places around the world.

myDream JCB Table of Fees and Charges
Joining Fee	waived
Membership Fee Principal	P800 /year
Membership Fee Supplementary	P400/year
Finance Charge	2.90%
Returned Check Fee	P500
Invoice Retrieval Fee	P150
Card Replacement Fee	P300
Minimum Amount Due	5% of outstanding balance or P500, whichever is higher
Cash Advance Fee	3% of cash amount availed of or P500, whichever is higher
Late Payment Fee	7% of past due amount or P200, whichever is higher
Installment Pre-termination Fee	P500 or 5% of the unpaid principal amount, whichever is higher
Service Fee for Foreign Currency Transactions	1.03% of the converted sum plus reimbursement of the assessment fee charged by Visa/Mastercard/JCB to Bankard equivalent to 1% of the converted sum.
If you pay any amount less than the Closing Balance/Total Amount Due or make a cash advance transaction, finance charge at prevailing interest rates will be computed on the Daily Outstanding Balance of your account (including any fixed monthly installment amount/s) from the dates of the transactions until the end of the current statement period.

CARDS - myDream