Ryanprovements

'I Tried 𝗦𝗮𝗹𝗺𝗼𝗻 𝗖𝗿𝗲𝗱𝗶𝘁 Card So You Don't Have To'

₱𝟱,𝟬𝟬𝟬 𝗰𝗿𝗲𝗱𝗶𝘁 𝗹𝗶𝗺𝗶𝘁 pag apply ko. (not bad na)

Based on reviews, some users got ₱3,000,
while others got ₱20,000 or more.

Maganda kasi sobrang dali ma-approve at pwede mo agad gamitin.

‼️ 𝗕𝘂𝘁 𝗵𝗲𝗿𝗲'𝘀 𝘁𝗵𝗲 𝗰𝗮𝘁𝗰𝗵.

Pay on time and always pay in full.

May mga reviews kasi na ₱300–₱500 ang charge kahit 1 day lang silang late. Pero kung good payer kanaman, ok ito.

Ni-try ko siya kasi may 62 days no interest pa naman.

For me, para lang siyang GCredit (GCash) o SLoan (Shopee) na may physical card.

Hindi ko siya nakikita na direct competitor ng UnionBank o RCBC credit cards. Mas malapit siya sa GCredit at SLoan.

They advertise up to ₱250,000 credit limit, pero syempre depende pa rin yan sa pag gamit mo.

𝗗𝗼 𝗜 𝗥𝗲𝗰𝗼𝗺𝗺𝗲𝗻𝗱 𝗜𝘁?

✅ Yes, kung nahihirapan ka ma-approve sa traditional bank.
✅ Yes, kung kaya mo magbayad on time.
✅ Yes, kung gagamitin mo lang siya for QR Purchases(0% interest)
❌ Masakit ang Penalty at Fees kung hindi mo ma paid.

Kaya for me, 𝗚𝗼𝗼𝗱 𝘀𝗶𝘆𝗮 𝗳𝗼𝗿 𝗲𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝘆 𝗰𝗿𝗲𝗱𝗶𝘁 for QP Purchases.
Pwede naman etransfer mo sa GCash, pero always check the processing fee at interest. Para hindi ka magulat.

Pero kung gusto mo i-try, here's the link.
https://trk.salmon.ph/XO0wEp

Kung QR Purchases lang at full payment lagi, wala naman akong nakikitang major problem.

'Credit Card for 𝗦𝗠 𝗚𝗶𝗳𝘁 𝗖𝗲𝗿𝘁𝗶𝗳𝗶𝗰𝗮𝘁𝗲𝘀 pala ha?' 😅

May kakilala ba kayong budol na ganito?

Yung iba ayaw magpa-swipe.
Ito naman, gusto lahat i-swipe sa card niya. HAHAHA. 😂

FYI: Brother ko yan.
Alam niya naman na good payer ako kaya kampante siya.

Mas maalam kasi siya sa credit card rewards kaysa sakin.
Actually, siya pa nga nagturo sakin tungkol sa credit cards.

💯 𝗙𝗼𝗿 𝗺𝗲, 𝘁𝗵𝗶𝘀 𝗶𝘀 𝗽𝗮𝗿𝘁 𝗼𝗳 𝘁𝗵𝗲 𝗻𝗲𝘄 𝗲𝗿𝗮 𝗼𝗳 𝗮𝗱𝘂𝗹𝘁𝗶𝗻𝗴.

Learn how to use the power of credit cards wisely.

Trust me, they can give you convenience, rewards, and sometimes a little happiness. 😂

Pero ito talaga ang rule na sinunod ko nung nagsisimula pa lang ako:

‼️𝗗𝗼𝗻'𝘁 𝘀𝘄𝗶𝗽𝗲 𝗶𝘁 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼𝗻'𝘁 𝗵𝗮𝘃𝗲 𝘁𝗵𝗲 𝗰𝗮𝘀𝗵 𝗼𝗻 𝗵𝗮𝗻𝗱.

"𝘌𝘥𝘪 𝘢𝘯𝘰 𝘱𝘢 𝘱𝘶𝘳𝘱𝘰𝘴𝘦 𝘯𝘨 𝘤𝘳𝘦𝘥𝘪𝘵 𝘤𝘢𝘳𝘥 𝘬𝘶𝘯𝘨 𝘮𝘢𝘺 𝘤𝘢𝘴𝘩 𝘬𝘢 𝘯𝘢𝘮𝘢𝘯?"

Simple lang.

Hindi natin ginagamit ang credit card para mangutang.

Ginagamit natin siya bilang payment method, para:

✅ Build your credit score
✅ Build trust with banks
✅ Track your monthly expenses
✅ Earn rewards and promos

Kasi habang mas maganda ang credit history mo, mas madali kang ma-approve sa higher credit limits at loans in the future.

Darating pa sa point na banko na mismo ang tatawag sayo para mag-offer ng malaking loan.

𝗠𝗮𝘆 𝗺𝗴𝗮 𝗼𝗳𝗳𝗲𝗿𝘀 𝗻𝗮 𝗻𝗴𝗮 𝘀𝗮𝗸𝗶𝗻 𝗱𝗮𝘁𝗶 𝗻𝗮 𝗵𝗮𝗹𝗼𝘀 ₱𝟭𝗠.

Ako pa yung tumanggi. 😂

Sabi ko:
"Ano gagawin ko sa ₱1M?" HAHAHA.

Pero gaya ng lagi kong sinasabi:

𝗖𝗿𝗲𝗱𝗶𝘁 𝗰𝗮𝗿𝗱𝘀 𝗰𝗮𝗻 𝗯𝗲 𝘆𝗼𝘂𝗿 𝗯𝗲𝘀𝘁 𝗳𝗿𝗶𝗲𝗻𝗱 𝗼𝗿 𝘆𝗼𝘂𝗿 𝘄𝗼𝗿𝘀𝘁 𝗲𝗻𝗲𝗺𝘆.

Nasa paggamit mo yan. 💳
___________________________________________
For first timers, at sa mga gusto subukan mag start mag manage ng finances gamit ang credit card, honestly mas suggested ko talaga yung mga NAFFL or “𝗡𝗼 𝗔𝗻𝗻𝘂𝗮𝗹 𝗙𝗲𝗲 𝗙𝗼𝗿 𝗟𝗶𝗳𝗲” cards.

(𝗜 𝘄𝗶𝗹𝗹 𝗹𝗲𝗮𝘃𝗲 𝗹𝗶𝗻𝗸𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗰𝗼𝗺𝗺𝗲𝗻𝘁)

Para hindi ka pressured magbayad yearly habang nag aaral ka paano gamitin ng tama ang credit card. 👌

GCash, Maya, GoTyme, or MariBank? 😅

𝗪𝗵𝗮𝘁’𝘀 𝘆𝗼𝘂𝗿 𝗳𝗮𝘃𝗼𝗿𝗶𝘁𝗲?

Honestly, each app has its own purpose:

💳 Convenience
💸 Savings
🏦 Banking features
📈 Saily interest
⚡ Speed and accessibility

𝗕𝘂𝘁 𝗶𝗳 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝗮𝗻𝗴 𝗰𝗼𝗻𝗰𝗲𝗿𝗻…

honestly, lahat naman sila can still be prone to phishing,
scams,or social engineering.

Most of the time, hindi talaga yung app ang problem —
it’s how people protect their accounts, OTPs, links, and ATM details.

𝗞𝗮𝘆𝗮:

⚠️ Don’t click random links
⚠️ Don’t scan random QR codes
✅ Always double check if galing talaga sa official website or app

___________________________________________
💳 For New User ₱150 Reward

MariBank App
Code: 𝗖𝗟𝟵𝟭𝟯𝟴𝟬𝟳

Mag deposit ka lang ng ₱1,000 then wait 24 hours without withdrawing para eligible ka sa ₱150 reward kinabukasan.
___________________________________________

“Thanks 7-Eleven, pwede na Credit Cards!” 🥹💳

Finally, wala na yung hassle.
Pwede na swipe-swipe sa 7-Eleven. 😂

Dati kasi cash-to-cash lang talaga.
Kahit GCash minsan hindi pwede, kaya ang hassle lalo na pag nasanay kana na halos digital na lahat ng bayad mo.

Pag wala kang dalang cash?
Mapapa withdraw ka pa sa ATM nila para lang makabayad.

Naalala ko pa dati yung issue na:

“Mas advanced pa yung sari-sari store sa gilid kasi tumatanggap ng GCash… pero 7-Eleven hindi?” HAHAHA.

Pero atleast ngayon nag adapt na sila.

Hindi na hassle.
Swipe nalang agad gamit Credit Card. 💳✨
o kahit anong card (Gcash, MariBank, Maya o GoTyme)

Unique din yung design ng scanner nila.
Nakaharap mismo sa customer, kaya kita mo agad yung payment process. 👀

Nagulat talaga ako pag balik ko sa
7-Eleven dito samin… pwede na pala. 😂

Kudos to 7-Eleven. Let’s Goooo!! 😎🔥

"Credit Card - Life Hacks ng mga Tito/Tita."

Yung time na wala pa akong credit cards,
yung brother ko laging nagsasabi:

“𝗞𝘂𝗻𝗴 𝗺𝗮𝘆 𝗯𝗶𝗯𝗶𝗹𝗵𝗶𝗻 𝗸𝗮, 𝘀𝘄𝗶𝗽𝗲 𝗺𝗼 𝘀𝗮𝗸𝗶𝗻.” 💳

So ako naman, okay no problem. 😂

Akala ko dati nag-iipon lang siya ng maliit na points.
Yung parang sa mall o Watsons na piso-piso lang.

Kaya pag may big purchase kami, card niya talaga lagi ginagamit.

Then one day, pinakita niya sakin around ₱𝟴,𝟬𝟬𝟬 𝘄𝗼𝗿𝘁𝗵 𝗼𝗳 𝗚𝗶𝗳𝘁 𝗖𝗲𝗿𝘁𝗶𝗳𝗶𝗰𝗮𝘁𝗲𝘀 na pwede gamitin sa SM Stores.

𝗦𝗮𝗯𝗶 𝗸𝗼: “San galing to?”

𝗦𝗮𝗯𝗶 𝗻𝗶𝘆𝗮: "Sa credit cards.”

𝗗𝘂𝗻 𝗮𝗸𝗼 𝗻𝗮𝗽𝗮: “HUH?” 😂

Akala ko talaga maliit lang rewards system ng credit cards.

yung same sa Watson?
'You earn 1 point for every ₱200 spent'. 😅

𝗛𝗔𝗛𝗔. 𝗛𝗶𝗻𝗱𝗶 𝗽𝗮𝗹𝗮.

May cashback/promos pala na may kapalit na:
✅ ₱500 GCs
✅ ₱1,000 GCs
✅ Discounts Vouchers
✅ Free meals etc.

Kaya pala sobrang kulit niya lagi:
“Card ko gamitin mo.” 😂

May time pa na pumunta kami airport.
𝗠𝗮𝘆 𝗩𝗜𝗣 𝗹𝗼𝘂𝗻𝗴𝗲 𝗱𝘂𝗻 𝗻𝗮 𝗺𝗮𝘆 𝘂𝗻𝗹𝗶 𝗯𝘂𝗳𝗳𝗲𝘁.

Bigla siya pumasok.
Pinakita lang credit card niya.

Tapos kami na walang credit card…
nasa labas lang HAHAHA

Dun ko na realize…
ito pala yung life hacks ng mga tito/tita. 😂

𝗟𝗮𝗸𝗮𝘀 𝗻𝗶𝗹𝗮 𝗺𝗮𝗸𝗮-𝗺𝗮𝘅𝗶𝗺𝗶𝘇𝗲 𝗻𝗴 𝗽𝗿𝗼𝗺𝗼𝘀.

Minsan magugulat ka nalang may bagong iPhone…
yun pala naka-avail ng installment promo o cashback deals. 😂

Good benefit siya sa marunong gumamit.
Pero burden siya sa walang control sa gastos.

Kaya credit cards can be your financial assistant…
or your financial problem.

Depende nalang talaga sa humahawak.
___________________________________________
For first timers, at sa mga gusto subukan mag start mag manage ng finances gamit ang credit card, honestly mas suggested ko talaga yung mga NAFFL or “𝗡𝗼 𝗔𝗻𝗻𝘂𝗮𝗹 𝗙𝗲𝗲 𝗙𝗼𝗿 𝗟𝗶𝗳𝗲” cards.

💳 𝗨𝗻𝗶𝗼𝗻𝗕𝗮𝗻𝗸 𝗣𝗹𝗮𝘁𝗶𝗻𝘂𝗺 𝗡𝗮𝗳𝗳𝗹
https://apply.cc-pl.unionbankph.com/PLCC/Verification?media=UBNOW-RJJ2OSP1&pcode=VP201&scode=DCMMUBOMRE

Para hindi ka pressured magbayad yearly habang nag aaral ka paano gamitin ng tama ang credit card. 👌