
<p>Is this your first time getting your own payment card as part of your #adulting life?</p>



<p>In an era where payment cards have been sprouting left and right, the Atome Card is an excellent choice to start building your borrowing history and managing your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a> as a self-sufficient adult.</p>



<p>That said, getting approved for your Atome Card is one thing; handling your bill is entirely different. Fortunately, this article provides the information you need to know to manage your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card bill confidently. </p>



<h2 class="wp-block-heading">What You Need to Know About Your Atome Card Bill</h2>



<p>Your Atome Card is flexible and enjoyable to use once you fully understand how it works. Here are key facts you should keep in mind to be a responsible Atome Card user.</p>



<h3 class="wp-block-heading"><strong>1. </strong>The difference between a physical and virtual Atome Card </h3>



<p>Regardless of whether you use a physical or virtual <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card, you&#8217;ll receive the same billing statement.  There are benefits and drawbacks to each card type; neither is best and will depend on your needs and circumstances.</p>



<p>Virtual cards, for instance, are designed exclusively for online purchases, while physical cards offer the flexibility to shop both online and in physical stores that accept Mastercards. It&#8217;s important to note that although virtual and physical cards have unique card numbers, they share the same spending limit. </p>



<p>Using both types of cards will impact your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> accordingly.</p>



<h3 class="wp-block-heading"><strong>2. How your Atome Card billing cycle works</strong></h3>



<p>Atome Card follows the standard <strong>30-day billing cycle.</strong> Transactions you make within this timeframe accumulate to determine how much you owe at the end of each cycle. </p>



<p>For example, let&#8217;s say your billing statement falls on the 1st of the month. </p>



<p>Suppose your billing statement on May 1 showed a balance of ₱1,000, then you pay it in full. If you make additional purchases totaling ₱1,500 <em>after</em> May 1, your billing statement on June 1 will reflect your new balance of ₱1,500.</p>



<p>This new balance serves as your outstanding amount after the completion of the billing cycle.</p>



<h3 class="wp-block-heading">3. Current vs. Unbilled transactions</h3>



<p>With direct correlation to your billing cycle, current <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a> are part of your current <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card billing statement that you need to settle.</p>



<p>On the other hand, unbilled transactions will be included in your next billing statement. Be sure not to confuse one with the other to manage your payments accurately.</p>



<h3 class="wp-block-heading"><strong>4. Your payment due date</strong></h3>



<p>Atome has a <strong>10-calendar day grace period</strong> to settle your bill after you receive your billing statement. It&#8217;s best to check your billing statement regularly to avoid missing your repayment date. This also prevents you from incurring late payment fees. </p>



<h3 class="wp-block-heading"><strong>5. </strong>The available Atome Card bill installment plans</h3>



<p>Want to stretch your monthly budget? Our diverse installment plans are designed for you to establish and maximize a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/budgeting/page/1">budgeting</a> system. </p>



<p>However, remember that you can <strong>choose only one <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a> plan per billing cycle</strong>. Any subsequent installments, such as the 2nd or 3rd, will be added to your next outstanding balance along with newly incurred transactions.</p>



<h2 class="wp-block-heading">Be a Responsible Atome Card User</h2>



<p>Understanding your billing cycle, statement, and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> deadlines will cultivate a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/healthy/page/1">healthy</a> financial mindset, enabling you to achieve your goals and secure a brighter financial future.</p>



<p>Download the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> and apply for the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> today!</p>


<div class="wp-block-image">
<figure class="aligncenter size-full"><img loading="lazy" decoding="async" width="200" height="200" data-attachment-id="300" data-permalink="https://blog.atome.ph/shopping/leather-bag/attachment/atome-ph-qr-code-3/" data-orig-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?fit=200%2C200&amp;ssl=1" data-orig-size="200,200" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Pay in 3 or 6 months installment! Apply For Atome Card!" data-image-description="&lt;p&gt;Pay in 3 or 6 months installment!&lt;br /&gt;
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" data-image-caption="&lt;p&gt;Pay in 3 or 6 months installment!&lt;br /&gt;
Apply For Atome Card!&lt;/p&gt;
" data-medium-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?fit=200%2C200&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?fit=200%2C200&amp;ssl=1" tabindex="0" role="button" src="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?resize=200%2C200&#038;ssl=1" alt="Pay in 3 or 6 months installment! Apply For Atome Card!" class="wp-image-300" data-recalc-dims="1"/><figcaption class="wp-element-caption"><strong>Pay in 3 or 6 months <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a>!<br>Apply For Atome Card!</strong></figcaption></figure></div><div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing"><h3 class="sd-title">Share this:</h3><div class="sd-content"><ul><li class="share-twitter"><a rel="nofollow noopener noreferrer" data-shared="sharing-twitter-1731" class="share-twitter sd-button share-icon" href="https://blog.atome.ph/advice/5-important-facts-you-need-to-know-about-your-atome-card-bill/?share=twitter" target="_blank" title="Click to share on Twitter" ><span>Twitter</span></a></li><li class="share-facebook"><a rel="nofollow noopener noreferrer" data-shared="sharing-facebook-1731" class="share-facebook sd-button share-icon" href="https://blog.atome.ph/advice/5-important-facts-you-need-to-know-about-your-atome-card-bill/?share=facebook" target="_blank" title="Click to share on Facebook" ><span>Facebook</span></a></li><li class="share-end"></li></ul></div></div></div>

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5 Important Facts You Need to Know about Your Atome Card Bill

Achieve your goals and build a strong foundation for financial success by understanding how your Atome Card bill works!