Almost all credit cards offer O% installment plans for appliance and electronic purchases but starting October,  most of these cards also offer O% installment plans for purchases made at Rustans, Robinsons, SM, Marks and Spencer and other establishments.  Terms vary from 3 to 12 months depending on the card and establishment. There is a minimum purchase requirement, usually around P3,000 or P5,000, single receipt or aggregate, depending on the credit card.  The requirements vary so be sure to clarify the details with the counter.  The installment enrolment is also made right at the establishment  upon payment.   No need to call the credit card company and submit receipts.  Be sure to ask for these perks when shopping!!! 

 

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 http://financemanila.net/2008/11/christmas-gift-shopping-ideas-shopping-at-168-and-divisoria-mall/