3 Tips for Managing Your Atome Card Bills 

by Atome

May 03 2024

What’s a card billing date? How do you avoid late payments?

If you’ve asked these questions recently, then this short article is for you. 

While your Atome Card can unlock a world of spending for you, such as giving you access to the hottest cafes or allowing you to shop for souvenirs internationally, part of being a responsible card holder is managing your bills properly. 

Missing payments can lead to additional charges and even a frozen account. Learn how to better understand your bill and ways to ensure you’re always on top of it. 

What is a Billing Statement?

Your billing statement is a document you receive every month that compiles all your expenses using your card. Your date when you receive your Atome Card billing statement will depend on when you apply and become approved for your card. 

3 Tips for Managing Your Atome Card Bills

Now that you understand more about your Atome Card bills, you next need to understand how best to manage them. Here are a few strategies you can follow to ensure you always pay your bills on time and reduce your stresses with Atome Card.

1. Take note of your due date

Missing payments not only incurs additional fees, but it also affects your standing with financial lending companies. To avoid these occurrences, ensure that you always keep your Atome Card bill due date in mind. 

Place a reminder on your calendar or set a monthly alarm on your phone to avoid missing your due date. 

2. Track your spending

Tracking your spending is a fundamental habit to build to improve your financial literacy. Not only does it give you a reliable look at your spending habits, but it will also help you gauge and verify your Atome Card billing statement. 

3. Review your statement regularly

Tracking your spending regularly will help you become familiar with how your billing is calculated. That way, you can better prepare for how much you can spend at the end of your Atome Card’s next billing cycle. 

Frequently Asked Questions About Atome Card Bills 

Managing your Atome Card bills is often easier said than done. It can get confusing if you aren’t used to it. But don’t worry. Below are answers to a few of the most common questions people ask about card bills.

Can I pay early?

Yes. The amount you can pay early will depend on how much you owe and the installment plan you’ve chosen for your Atome Card. 

That said, you’ll still be charged for interest and other fees associated with the Atome Card installment plan you’ve chosen. 

What happens if I miss my Atome Card bills payment?

You’ll need to pay an additional 5% as an admin fee based on your unpaid amount. Your Atome account will also be frozen, meaning you won’t be able to use it when you still have an unpaid balance. Making the necessary payments is the only method of unfreezing and reactivating your account. 

Although there may be times when repayment isn’t possible, it still isn’t ideal to miss your due dates. Ensure that you pay your Atome Card bill by the deadline as often as possible to avoid incurring additional fees or affecting the status of your account. 

How can I pay for my Atome Card bills?

You can repay your Atome Card bills either through over-the-counter (OTC) payments, or your linked credit or debit card on the app. Instapay payments are also accepted. 

If you want to pay OTC, then you may visit the following stores: 

  1. 7-Eleven
  2. Cebuana Lhuillier
  3. Palawan Express
  4. M Lhuillier
  5. LBC
  6. EC Pay
  7. Dragon Pay
  8. RD Pawnshop
  9. CVM Pawnshop

Credit or debit card payments will require you to pay an additional processing fee of 2.24%, including tax. If you don’t want to bind your card to the Atome app, you may also pay your Atome Card bills through e-wallet providers, such as Maya. For this form of repayment, there will be a processing fee of 1.85%. 

Instapay bank transfers are another acceptable way of repaying your Atome Card bills. You must first navigate to your account on the Atome app, tap “Home and Bills,” then “Atome Card.” A 16-digit code will appear which you must copy. Paste this code onto the banking or e-wallet app you’re transferring from. 

Develop the Financial Skills to Pay the Bills

Paying your Atome Card bills on time is essential to being a responsible cardholder. What stops many people from making the necessary payments is not understanding how their bills work. 

But now that you know the key strategies for managing your Atome Card bills, you can become much better at reducing your stress and managing your finances.

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Pay in 3 or 6 months with Atome Card
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