Requirements to Avail Credit Cards in KSA

A smartcard graphic, without banklogos or similar copyright/trademark concerns. Card holder's name and card numbers are made up. The 3 by 5 mm security chip embedded in the card is shown enlarged in the inset. Chip inset taken from Janke's "Smartcard.JPG" (Also GFDL). (Photo credit: Wikipedia)

To apply credit card in the Kingdom is not really a hard job but it takes time to get the needed documents. First, he has to get the approval of his employer about his plan to avail a credit card. If approved he will now request his employer for the certificate or an endorsement letter regarding his monthly pay. If his employer approved his request on the spot, the needed documents will be released immediately with the company and KSA Chamber of Commerce seal stamps but if not, he has to wait when his boss is available and comfortable to approve his appeal. Sometimes it takes weeks and months to wait.

Requirements  to get Credit Card

What is Iqama? This is an Arabic word for Residence Permit. It is the most important document that an expat in Saudi Arabia should bring with him every now and then. It justifies him that he is not an alien and he is legally working with the company that hired him in the Kingdom. It is an Identification card that caters all the information about him. It is needed for any imaginable transactions that he will transact inside the Kingdom. Without this there will be no transaction to happen between him and the bank.

Why Passport is needed? The bank will need it to record the following:

• His country of origin
• His nationality
• His name and other information found in the passport

Correct names are important to Banks

The correct and complete names are important for the bank. If his name written on his Iqama is not the same what was written on his passport, it could be the reason for rejection. Bank needs the passport for comparison with the certificate of his monthly pay to help correct the error.

How important is the endorsement letter of his monthly pay? Through his monthly pay, the bank will determine if he will qualify to get a credit card. Aside from it, the bank will record the following important information such as:

• The justification of the company or employer that the person is his legal employee and the name written on his Iqama and the name written on his Passport is the same person.
• The number of years that the person has been working with the company and his work assignment.
• The location address, contact numbers of the company/employer and the employee.
• The total amount of the employee’s monthly basic salary, monthly food allowance, monthly travel allowance, monthly housing allowance and other allowances.

Original copies are also needed

When the applicant has already completed all the necessary documents, he will now see the bank and fill up the application form completely with his best choice option such as: unlimited credit or limited credit and submit it with the copies of the documents together with the original documents as the bank needs them for comparison. Usually, the applicant will wait at least ten to fifteen days before he will receive his credit card with important instructions, agreements and some confidential policies of the bank. Sometimes it takes 30 days or more to wait.

Credit card saves you

Credit cards are convenient and can also save you. Using credit card is a very convenient way to pay for your purchases – if you have the discipline to stay within budget. You need not to carry cash all the time and you get to keep a good record of your expenses. However, you must always keep the copy of your signed slip or the proof of payment each time you use it to keep track of how much you have already charged it. Always pay the full amount of the bank statement every month. If you do it there will be no interest charge. This is using the credit card as a simple debit card.

If you want to write and earn you may join to the following publishing sites. They are the best publishing sites for your online writing like:

• Wikinut
• Triond
• ExpertsColumn

About the Author – My favorite Saying: “Dream Big and don’t stop without giving it a chance to come true.” I am a father of 3 for 25 years, OFW for 17 years , a Blogger, sometimes a Poet, Self-motivated and Professional by experience. You can call me Paul or Pruel. I am friendly animal but can kick you off when it is needed. LOL. I have no specific areas where my writing will focus on. I write any subject that interests me under the merciless sun.

It is Really Hard to Make Myself Available for My Kids But I did it...

Cover of The Heart of Parenting

I quote here what John Gottman, author of The Heart of Parenting says, "Men must allow themselves to be aware of their feelings so they can empathize with their children. Then they must take whatever steps necessary to make themselves available to their kids." In my case I am thousand miles away from my children - it is really hard to make myself available for them. However, I did it...

Twenty-five years ago, I got married. During those years, we're blessed with three lovely children. Now they are young ladies. Our eldest is 22 year old. Our second daughter is 20 year old and our youngest is 19 year old - who is now on her 4th year accountancy.

During their early age - from their elementary, high school life and college days, my support is always there - not only for financial support but also to assist them with their school projects and other assignments. In spite, I am thousand miles away from them, if they needed my help for their school assignments - I am always available through Internet and mobile phones - one of the many reasons why I created my blog sites.

Year 2010, my 2nd daughter graduated from Computer Science Course.

Three months before her graduation, her English teacher gave her an assignment to write a short speech for Vice President Candidate plus another two questions that a Vice President Candidate should answer if his countrymen would ask him/her during his/her speech. That would be her projectand if she failed to submit she could not graduate according to her teacher.

After she received her assignments, she sent them to me immediately through email said, "Papa I need your help. Please write a short speech for vice president candidate. Also include these two questions: What kind of advocacy you want to proclaim to prevent the poverty in this country? and How would you balance federal foundation for transportation and road construction?"

Reading those questions was really a headache - I am not the one to graduate...but I cannot said no to my daughter. I have no choice but to comply her request. So, I started surfing the Internet, encyclopedias and other reading materials for information about the topics.

A short speech of a vice president candidate:

Thank you so much for the trust that you have trusted to me. Thank you for this opportunity to work with you as we raise the truthful reform. Thank you for the privilege that you have entrusted me of joining in the fight for a clean, honesty, integrity and trustworthy in public service, and for a government that puts first the people’s interest.

From the bottom of my heart, I accepted the challenge to achieve the true reform of good governance of this country. But this fight is not just about me. It is about our collective thirst and hungry for change.

My friends, this is going to be a tough battle. My opponents will use all forces in order to win. They have been there for so long and continuing robbing us. Now with your help, we should stop them. Let's stay hand in hand in this field of battle.

What kind of advocacy you want to proclaim to prevent the poverty in this country?

My Advocacy: The Filipinos should adapt the correct attitude.

Executives from rich countries who communicate with their counterparts in poor countries show that there is no significant intellectual difference. Race or skin colors are also not important: immigrants labeled lazy in their countries of origin are the productive power in rich European countries.

What is the difference then? The difference is the attitude of the people, framed along the years by the education and the culture and flawed tradition. The behaviors of the people in rich and developed countries are greatly followed the following principles in their lives such as:

(1) Ethics, as a basic principle.
(2) Integrity.
(3) Responsibility.
(4) Respect for the laws & rules.
(5) Respect for the rights of other citizens.
(6) Work loving.
(7) Strive for savings & investment.
(8) Will of super action.
(9) Punctuality.
(10) And of course...Discipline

Philippines is not poor because we lack natural resources or because nature was cruel to us. In fact, we are supposedly rich in natural resources. We are poor because we lack the correct attitude. We lack the will to comply with and teach these functional principles of rich and developed societies.

We are the most abusive to the environment - Illegal Logging, dynamite and cyanide fishing, hunting and poaching of birds and wildlife. We throw garbage everywhere.

How would you balance federal foundation for transportation and road construction?

I believed that building roads in rural areas promotes development through improved access to markets; health and educational facilities; the generation of alternative income sources; and better information flows.

My assumption being that the supply of transport services, such as freight and passenger movement, would naturally follow new road construction.

In the Philippines with a tradition of building roads with Portland cement concrete, here is now a considerable network of ageing roads needing rehabilitation. The traditional method of treating these roads is to neglect them until the ride becomes severely impaired and then to break out the old concrete and replace them with new.

I would request the Philippine Department of Highways to improve this situation by addressing the problem of concrete quality, using indigenous materials, and investigating alternative methods of rehabilitation.

But what is of more vitally important – I would coordinate directly to the national budget commission and request them to see to it that before releasing the funds for this project, there should be complete planning and specifications of materials and all the supposedly incurred expenses should have a corresponding transparency of expenses records available for the public.

My hard works were compensated to receive my daughter's reply

It took me three days to finish the project for my daughter. After I done it, immediately I sent it off to my daughter. And in two days, I received her reply said, "I love you papa. It was approved. Now I will graduate. Thank you so much. Muaaaaaaaa...!" My hard works were compensated to receive my daughter's reply.

If you want to write and earn you may join to the following publishing sites. They are the best publishing sites for your online writing like:

• Wikinut
• Triond
• ExpertsColumn

About the Author – My favorite Saying: “Dream Big and don’t stop without giving it a chance to come true.” I am a father of 3 for 25 years, OFW for 17 years , a Blogger, sometimes a Poet, Self-motivated and Professional by experience. You can call me Paul or Pruel. I am friendly animal but can kick you off when it is needed. LOL. I have no specific areas where my writing will focus on. I write any subject that interests me under the merciless sun.

The Funny Side of Easter Eggs Hunting is History

Easter eggs Deutsch: Osterreier im gepflochtenen Osterkorb mit Osterglocke (Photo credit: Wikipedia)

As part of celebration, I also had joined with the thousands of net surfers around the world for Easter eggs hunting. Using my desktop computer, I had visited many websites hoping to find for some Easter eggs but I could not find even one so I decided to stop. Yes. I was about to leave when I spotted a dusty place where a lonely Easter egg was hiding.

I shouted, “At last I found one!” But what surprised me, when I broke its hard outer covering inside the Easter egg; I found two old published articles written by two Triond writers. And in my thought, maybe this will answer to some questions asked by some of Triond users like “What was the first article written by the first Triond member/contributor? Or who was the first Triond contributor who first published his/her article at the site powered by Triond?”

After my thorough investigation, I found the following interesting information such as:

• After the official launching of Triond that took place on March 14, 2006, was followed by registration or signing up of some writers who happened to be the first official contributors for the sites powered by Triond.
• Based on the date of publication of the article entitled “Traveling in The USA” the named “Clearwater” was the first Triond writer who wrote the first article and published it at “Trifter” on May 31, 2006 at 12:00AM. The author was a Esraeli national. He also had written two additional articles entitled: Mardi Grass 2000 published on July 8, 2006 and The Last Train Station published on April 20, 2009.
• The second Triond writer who wrote the article entitled “How to spot an acting scam” was Brock Richardson. His article was published at Quazen on June 28, 2006. That was his first and last published article.

These findings were confirmed by Mr. Udi Oz – one of the founding officers of Triond and Mr. Alistair Briggs whom I considered as one of the most dedicated Triond writers – that Clearwater and Brock Richardson and their articles are already part of Triond history! Thanks to Easter Egg Hunting…

If you want to write and earn you may join to the following publishing sites. They are the best publishing sites for your online writing like:

• Wikinut
• Triond
• ExpertsColumn

About the Author – My favorite Saying: “Dream Big and don’t stop without giving it a chance to come true.” I am a father of 3 for 25 years, OFW for 17 years , a Blogger, sometimes a Poet, Self-motivated and Professional by experience. You can call me Paul or Pruel. I am friendly animal but can kick you off when it is needed. LOL. I have no specific areas where my writing will focus on. I write any subject that interests me under the merciless sun.