Everything You Need to Know about GScore and GCredit

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Think about the people that don’t have access to credit. They are the ones who fall prey into loan sharks and other predatory lenders. They are the ones who get scammed by get rich quick schemes. They get bogged down by paperwork and bureaucracy in government. They get refused by big corporate lenders and banks.

What if we could help them by giving them a way to borrow money safely, without collateral as long as they provide proper documentation? We can make it easy for them by just using an fintech app like GCash consistently to be able to have access to credit.

What is GScore?

GScore is a type of credit scoring which uses your GCash user data as a measure of your credit history. The higher the score, the more financially worthy you are considered to be.

It is similar to the FICO score in the US, or the Zhima Credit used by Alipay in China.

In China, with a better Zhima Credit score, they can forego deposits with renting stuff like bicycles, or they can provide better loan rates for apartments or cars. Bad credit can mean more identification needed for financial transactions.

In the US, the FICO score determines your mortgage payments, your loan terms and credit card standing.

Here in the Philippines now, we currently don’t have a centralized scoring system. So to counteract this, GCash created their own scoring system, using GCash user and transaction data as their source for scoring.

How does GScore work? 

In the GCash app, you first need to opt into the app to use your transaction history, because this is how it computes how creditable you are, without you needing to submit any financial statement document.

Your transaction history data will be the source where your GScore will derive from. You can increase or decrease your GScore by the financial habits you practice everyday.

This is in a sense a better solution, since traditional methods of figuring out your credit score is often not really fair and equitable.

Banks more often than not lend only to people with money. The majority of people who need it the most are out of reach.

This might look like we’re giving up privacy to get credit, but remember, this is all voluntary. You can choose to ignore it in the app altogether if you want to.

However, if you do decide to opt in you can get access to a lot of real world benefits. Currently, since GCash is part of Globe Telecom, Globe is offering better terms for prepaid subscriptions with a prerequisite GScore. We will eventually see similar promos as GScore becomes more mainstream.

The new GScore page. Notice that they also updated the tips to increase GScore.

How can I make my GScore higher? 

The algorithm GScore uses puts more weight on the quality of your transactions, meaning cashing in an amount and then simply cashing it out will not give a high score.

Here is a tip: there is an incentive of additional 5 points in GScore by just linking a bank account under cash-in.

But as all things are bound by change, everything that goes up, can also come down. Your GScore can and will definitely decrease with less usage.

But if you are practicing good financial behavior especially using GCash then the GScore algorithm will notice it and will definitely reward you with a higher score.

Here are some simple ways to make your GScore go up:

  • Keeping a healthy, positive balance — don’t leave your GCash wallet empty, even 300-500 will do
  • Linking a bank account then doing cash in and cash out via bank transfer
  • Using Invest Money by putting in money regularly
  • Depositing money in your GSave account, even better if you are using the auto-debit option
  • Using varied GCash features like Send Money, Buy Load, Pay Bills, Pay QR regularly
  • Using GCredit and also paying off your GCredit without incurring penalties
  • Using GCash regularly — not just once or twice a week — you should be using it enough that GCash Forest Energy Points matter to you

How often does your GScore readjust?

GScore readjusts every week and looks at your previous week’s transaction history data.

So it would be best to time your “quality” transactions on certain weeks to prevent it from going down drastically.

For example, since you will most likely pay bills during your payday week, it would be better to schedule your investments or savings on every other week that is not a payday one.

The bottom line is, this shouldn’t be an issue to someone who uses GCash everyday consistently.

Another tip is not to get discouraged by a lowering GScore. Even if your GScore lowers, your credit limit will still remain the same.

What is GCredit? 

GCredit is a line of credit provided by GCash, and it is tied to your current GScore. The higher the GScore, the higher the credit limit you can have.

GCredit is the main way we can utilize our GScore to its full potential. Basically it’s like a credit card, but with lighter terms.

This is in line with GCash’s mission to provide financial services to people who are traditionally not covered by these. The truth is, Filipinos have the least credit card usage in the ASEAN region.

Can I cash out my GCredit?

Unfortunately, you cannot cash out your GCredit. This is one way of keeping the money within the GCash ecosystem and also a way to lessen bad debts. Also, using GCredit will feed transaction data to GScore, which will provide a better picture of your credit standing.

However, given a big enough GScore, you can be qualified to cash out a loan using GLoan. This is a new feature where you are given a traditional loan payable via 9 or 12 months with a variable interest fee (2.6% – 4%) depending on your GScore.

How do I get GCredit? 

You first need to be fully verified in the GCash app. Once you get to a GScore of around 400-500+, you will be receiving an in-app and SMS notification that you can activate GCredit. Take note that this is only based on my experience. The actual GScore that will unlock GCredit is not disclosed by G-XChange / Mynt.

GCredit provides a small credit amount at first (Php 1000), but as you pay diligently and on time, you will be able to unlock higher amounts (up to Php 30000) and lower interest rates (down to 3%) as your GScore goes up.

Do take note though that using this is in fact a loaning in the short term, so it also means you will need to pay the loan back with interest. But the good news is the terms are definitely better in many ways when compared to a credit card.

Opting into GCredit

Starting March 26, 2021, GCredit will be transferring over from Fuse Lending to CIMB Bank. The main advantage of this is that CIMB Bank will be able to support more users and offer higher credit limits than Php 10,000 and lower interest rates than 5%.

Also, there will be tie-ups with CIMB Bank that would allow you to take a loan easily once you also have a clean GCredit account.

As such, there are new eligibility requirements needed before you can continue on using GCredit. But opting in is easy as you only need to tick on checkboxes and acknowledge the terms and conditions.

Can I *not* use my GCredit? Will I need to pay anything?

You have the freedom not to use your GCredit. You will also not incur any fees or penalties if you don’t use it. You can also opt not to activate GCredit if you have no plans on using it.

Can I cancel my GCredit?

You can have your GCredit terminated via GCash Support. However, you will need to have a valid reason as well as no outstanding balance to be able to do so.

I have multiple GCash accounts. Does this also mean I have multiple GCredit accounts as well?

No, all your GCredit accounts are shared only as one account to you.

Does GCredit have an annual fee?

No, it is based on your usage only.

How do I unlock a GCredit of 10000?

From first-hand experience and verified by other GCash users, a GScore of around 500-600 will unlock the 10000 credit limit. But don’t fret if you don’t get it immediately, as long as you keep on using your GCash, it will eventually unlock.

As of right now, I haven’t met anyone who has unlocked the 30000 credit limit. Personally, my max GScore reached 750 and I haven’t unlocked any amount higher than 10000 at that score.

Also, as we transition to CIMB Bank handling GCredit, we may see 30000 (and even higher, like 100000) and lower interest rates (less than 5% monthly) soon.

How high is the interest rate? 

If you let your GCredit accrue for a month, the total is by default 5% on top of the principal amount. Compared to a credit card, this might seem high, since credit cards charge 3% per month, but GCredit can have better terms overall because of daily compounding instead of monthly.

What does daily compounding mean?

It means that the interest rate is computed per day, instead of per month. If you paid your GCredit sooner, you would pay a lower amount in total than if you paid a month after, like credit cards.

Your GCredit interest is cheaper the earlier you pay. For example, if you paid three days after you’ve used GCredit, it’s cheaper then than if you paid a week after.

This also means that if you used GCredit today and paid it off today, there is actually no interest incurred.

Can I use the full amount again if I paid my GCredit earlier?

Yes. Another advantage of paying it off early aside from the lower interest payment is you can use your full credit again even before your due date, unlike a credit card.

For example, you have a Php 3000 GCredit. You used it to pay for your groceries amounting to Php 1500 today. If you paid it off the next day, then your GCredit returns to Php 3000, and you can borrow the full amount again before your due date arrives.

How about a sample interest computation? 

If you used GCredit to pay 500 pesos to a merchant, and you plan to pay it off the week after. How much interest in total do you have to pay?

Given:
Principal = 500
Interest = 5% = 0.05
Days Interest Incurred = 7 days / 30 days

Formula is:
Total Amount Due = Principal x (1 + (Interest x Days Interest Incurred))

So the total amount due after 7 days is:
500 x (1 + (0.05) x 7/30) = 505.83

What if you'd paid it later, for example after the full month?
500 x (1 + (0.05) x 30/30) = 525.00

The total amount to pay is 505.83. If you paid it after a month, you would have paid around 25 pesos more.

Keep in mind, the interest rate is based on the default. A higher GScore could mean eventually a lower interest rate in the future.

How long is the Repayment Period?

You have a total of 45 days to pay your loan without penalties. The billing period is 30 days. Your due date is 15 days after the last day of the billing period. This is called the billing date.

So to summarize the definition of dates in the Manage GCredit page:

  • Billing period is the date from when you started your GCredit usage and count 30 days from that date
  • Billing date is the first day after the billing period
  • Due date is the 15th day after the billing period

Your billing period and due date depends on the day you signed up for GCredit. Please take note that the loan has a daily interest.

So for the example below, you have your billing period from July 28 – August 27. Your due date is 15 days after August 27, which is Sept. 12.

The very last day to pay all your dues will be on September 12. If you pay after September 12, then you will need to pay the penalty fee on top of your dues.

Why can’t I see the interest incurred in the Manage GCredit page during the billing period?

The interest due when you use GCredit is not reflected in the Manage GCredit page until the billing period ends. Understandably this confuses most first-time GCredit users. You will only see the interest due on this page when you’ve received your Statement of Account on the billing date itself.

This is why it’s so important to pay your GCredit off as early as you can since you can only see the total interest due when you receive your statement.

Here is the caveat regarding incurred interest during billing period

How does the GCredit Statement of Account look like?

The statement of account is sent to your email after your billing period (at your billing date). For example, for the billing period above (July 28 – Aug 27), you would be receiving the statement on Aug 28. You would then have 15 days to pay your dues (September 12 from the example above).

For the screenshots below, I used my own statement as an example, so bear with me if the dates are not the same as from my other example above.

What happens if I don’t pay my dues?

You will incur penalties depending on how long you went on without paying your dues. Here is a list of the penalties corresponding to the number of days late (meaning after the due date):

  • 1-30 days late = Php 200
  • 31-60 days late = Php 500
  • 61-90 days late = Php 900
  • 91 days and later = Php 1500

So it is best to pay and settle as early as possible. If you are not able to pay after 3 months, your GCredit will be deactivated or revoked and your GScore will correspondingly go down as well.

Here is a bit of a warning: If you don’t pay your dues, GCredit will eventually be debiting your GCash balance. However, it will send an SMS before it does, so you will have time to tuck it away if you really need the money. Take note that if you have an auto-deposit schedule with GSave or with a bank, the GCredit auto-deduct schedule will be running first in terms of prioritization.

Another thing to note is if you are delinquent, you won’t be able to use GCredit as payment method. This is until you’ve paid off your remaining dues. Your GScore will also be going down.

If you’ve been delinquent for a while, you will also be receiving a notice letter as well. Since your GScore also goes down, once reaching a certain score limit threshold, your GCredit will eventually become deactivated or revoked.

Where can I use GCredit? 

You can use GCredit to pay merchants or bills in the GCash app. You can also now pay on selected webpay merchants (like Google, Apple Store, Shopee) using GCredit. Currently, you can’t use GCredit with GLife merchants, but we can be assured that it would be enabled eventually.

How do I pay via Online Webpay?

For selected merchants that provide GCash acceptance, they have a GCash checkout page. You just need to input your mobile number, your one-time password (OTP), and your MPIN for confirmation. In the next screen, you will be able to select Balance or GCredit as a payment mode.

How do I enable autodebit via GCredit?

You can also enable GCredit as a backup payment method in case when your balance is not enough to pay for a subscription. These only work with selected merchants with an autodebit method (ex. Google, Apple, Lazada, FoodPanda). You can click on the “Enable GCredit as backup for Online Payments” checkbox when you link your account to GCash.

To disable this function, you can tick on the “Enable GCredit as backup” in the new Auto-Payment section of the Manage GCredit page in the app.

Why can’t I use my GCredit in my online payments?

You need to update your details with CIMB (please see Opting into GCredit section above). Eventually, without the opt-in, you won’t be able to use GCredit in any transaction.

How do I pay via Scan QR / Generate Code?

In the app, we can pay via Scan QR and Generate QR modes. You just need to set whether you will be using your GCash balance or GCredit when you pay. You can also pair it with a voucher during payment.

For Scan QR, you just need to select GCredit as your method of payment once you reach the confirm payment page.

The GCredit option for Scan QR

For Generate QR Code, you need to select it below the QR Code itself – it may be hard to see.

Can I use GCredit for payments in 7-11 / 7-Eleven?

Currently, no.

What merchants support GCredit?

You can take a look at Fuse Lending’s official merchant list. Basically, all of the scan-to-pay merchants should also support GCredit.

For Online Payments, some merchants have this (ex. Shopee) as an initial offering. But eventually, we can assume that many will also be supported eventually.

For GLife, there is no support for GCredit currently.

How do I pay my bills using GCredit?

You can also see billers in the app where you can use GCredit. It says “Also accepts GCredit” on the biller itself. For example, here are the billers under Electric Utilities:

Notice the “also accepts GCredit” line

When GCredit is down or under maintenance, the “also accepts GCredit” line disappears.

Please take note that you cannot use GCredit with government billers and with third-party loan companies.

Just so you don’t need to check each biller category, I’ve summarized each category in the app that supports GCredit:

  • Electric Utilities
  • Water Utilities
  • Cable/Internet
  • Telecoms
  • Insurance
  • Real Estate
  • Healthcare
  • Schools
  • Transportation

Fuse Lending has also released an official list of billers that support GCredit.

Can I still use my GCredit even if my GScore goes down?

Yes, until you reach a certain amount. If your GScore passes this amount limit or you remain inactive for a long time, your GCredit will be deactivated.

How do I reinstate my GCredit if I got deactivated?

You can file a ticket in the Help Center and request reactivation. Although, one of the requirements is a high enough GScore to be able to use GCredit again.

Why can’t I see the GCredit option when paying via QR or via pay bill?

When there is no GCredit option, either the merchant/biller doesn’t support GCredit payments, or GCredit is under maintenance in the meantime.

For the list of billers that support GCredit, please see the section under paying bills above.

How can I pay for my GCredit bill when GCredit is down?

In the unfortunate case when GCredit is under maintenance and you need to pay for your GCredit, you can do so via other bill payment channels like banks, Bayad Center, 7-Eleven, ECPay, LBC, etc.

These are the details needed for payment:

  • “Fuse Lending” as biller name
  • Account name (your full name registered in GCash)
  • Account number (your GCash mobile number)
  • Amount you are planning to pay

Summary

We talked about GScore and how it represents your creditworthiness as you use the GCash ecosystem. You can increase this by the quality of your transactions in GCash, not only by quantity — at the very least, you need to use GCash so much that GCash Forest matters to you.

The GCash app can provide a corresponding GCredit amount depending on your individual GScore.

GCredit is a safe way of providing credit to those who traditionally have no credit cards and have no savings account, without leaning on high-interest lenders. Its main difference with credit cards is the daily compounding, compared to monthly with credit cards. This makes it more flexible as you can pay it off early.

Another huge difference for GCredit is you need to pay it off fully before being able to use it the following billing period. It will also automatically debit your GCash balance once you have missed your payments.

If you’d like to learn more about GCash, I created a how-to on the basics of GCash.

Here is a list of links if you’re interested in the main GCash functions:

If you are also interested in knowing what resources I used to make this blog happen, please look at my resources page.

How do you like the tutorial? Did I miss anything? Please add your comments and suggestions below!

98 thoughts on “Everything You Need to Know about GScore and GCredit”

  1. What happen to my Gscore I pay on time and also I use Gcash Everday. From 633 Gscore to 578 Gscore please help me. Thank you!

    Reply
  2. Some Government BillPay does not accept GCredit and Only Gcash.. Why? e.g MMDA. Also What is the Highest possible Gscore a person can have? WHat is the Minimum Gscore to have a 30,000 limit?

    Reply
    • For government billers they specifically don’t allow payment via credit.

      Highest possible is around 800+.

      I can’t really say what the minimum gscore is to get that amount. Perhaps 800? Currently I’m at 750 and 10k.

      Reply
    • Very helpful information here, thank you very much. I unlocked my Gcredit when it reached around 531. But note that I did not try to unlock it when it was below that score. Just happened to be curious and hit the button if it will unlock that time…

      Reply
  3. I recently received a text message from Gcredit notifying me of an increase gcredit limit. Now, on the app theres this red notification dot in the manage account icon. However, there is nothing to do about it once i’ve gone inside the app. And the red notif dot still remained as well as my credit limit remained the same.

    Reply
    • I don’t know what to do regarding that – maybe you can wait it out. But if it’s still like that after a couple of days, then it’s better to file a support ticket.

      Reply
    • Same with mine. I received a notification that my limit has been increased. But there’s no option to somehow activate it. The red dot is still there in ‘manage credit’. Filed a ticket but no reply yet.

      Reply
  4. What happens, if i did not use my gcredit? does it lowered my gscore? Does it close ny Gcredit? Does using gcredit also increases my Gscore?

    Reply
  5. The G score is not realistic I have cash in over 75k peso an the score is going down
    I also buy load for my self an friends
    I do bank tranfers
    The score system is not well designed

    Reply
    • Did you try using GSave and GInvest? I’ve found that the best way to make your GScore up is to use these consistently. And also, how often do you use the app? You said you cash-in over 75k, but is it in a single transaction? GScore seem to like consistent transactions more than the one time big time ones.

      Reply
  6. Hi can i ask, How bout i use gcash everyday and each week i cashin and transact different Bills. But my gscore remains 354. Its almost 2 weeks

    Reply
    • Perhaps it’s because you use GCash transactionally (in and out). You may need to use value added services like GSave and GInvest to show that you have good financial habits.

      Reply
  7. do i still need to pay the gcredit balance even if i didn’t use the given amount? i received 1000 which is I can’t use because i’m residing abroad and i don’t want to use it either. any possible way to get rid of it?

    Reply
  8. I have 2 gcash accounts by 2 different mobile numbers. Both are in my name. Both are fully verified. I have for sometime been using gcredit via one gcash account now with 2000 gcredit limit using my mobile phone. The 2nd gcash account recently got unlocked with 1000 gcredit limit. Can I be using the recent gcredit at merchant partners too? I would love to be using them both.

    Reply
  9. I’m also stuck at Gscore of 750 and GCredit of P10K since October 2019. It didn’t move since then. I’m using GCash almost everyday.

    Reply
  10. Im exceeded credit limit but theres a bal. On my gcash wallet when can i use it,, actually i always cash in/ cash out on my account,,can i request an increase on my credit limit

    Reply
  11. Hi, at 750 GScore, how much is your Credit Limit? Does it help increasing my GScore if I have lots of GSavings and GInvest but less transactions in Paybills and Pay QR?

    Reply
    • 10k GCredit is unlocked at around 600 GScore. Right now 750 is the ceiling. I don’t think you can go higher at the moment.

      Reply
  12. What if i only paid the total purchases and i don’t want to pay the interest and penalties is there a possibility that interest and penalties occur interest or charges?

    Reply
  13. hello, i activated my gcredit and it gave me P2000.00 worth of credit limit. what if i dont use it all? does is still apply to charges?

    Reply
  14. Gscore went to 400 already but I cant activate gcredit yet? I also haven’t recieved any text message from gcash, does this mean I’m not eligible??

    Reply
    • I suggest you keep on using it, don’t worry, it will unlock soon. The actual rules to unlock are not really publicly shared by GCash, I just shared what I experienced, which was a GCredit unlock around a GScore of 400.

      Reply
    • Basically, you will not be able to use GCredit until you’ve paid all of your dues. Also, GCredit will be deducting from your balance until you’ve done so.

      Don’t worry though, the deduction happens at certain times of the day (mostly at night). GCredit will be sending an SMS before it deducts your balance.

      Reply
  15. Uhg my GScore is already 661, but I still have a credit limit of 1,000 😕😕😕😕😕 I use GCash every day. I invest every once in a while. I save every pay day. My heart aches so much seeing my credit limit not going up.

    Reply
    • I don’t know how to help you regarding this. As far as I know, once GScore reaches a certain level you should be able to unlock a higher limit. Have you been paying off your GCredit bills?

      Reply
    • In my experience, GScore updates every tuesday of the following week.
      My current GScore is 560 with 2k GCredit and gets a steady 25 points every week.

      Reply
  16. Pwede ba pagsamahin ang gcredit at yung balance pag sumobra yung babayaran mo sa limit ng gcredit?kunyare nag grocery ako worth 3500 pero yung gcredit ko is 3000 lang pwede ba ibawas sa regular balance ng gcash if meron or pwede i cash yung kulang?

    Reply
  17. Hi
    I have a question what if i activate my GCredit but i don’t what to use it.
    maccredit pa rin ba sakin yon at need ko pa rin po bang bayaran yun ? o hayaan ko lang sya na nakaactivate at magkukusa na syang malock?
    because i accidentally activate my gcredit and i dont what it to use

    thank you for the answer 🙂

    Reply
    • You can just leave it alone. It will not incur any charges nor interest in any way. Malay mo kailanganin mo rin in the future, at least nandyan.

      Reply
  18. Thank you for the info. This is very informative indeed. I was able to unlock mine with Gscore of 438 and Gcredit of 10k. I was wondering at first if it has minimum amount due to settle but reading this my question has been answered. Thank you so much!!!

    Reply
  19. GCredit or fuse lending: may email ako last dec 2 till now wala kayong reply, tumawag ako hotline nyo pero hindi kayo sumasagot. Yung gcash ko na-hack nung dec 2 at ginamit at na-activate ang GCredit ko na 10K. Nagpadala na ako ng mga documents sa email nyo nung dec 2 at dec 4 till now walang reply…Sumagot naman kayo Gcredt or fuse lending. Tapos maniningil kayo sa transaction na hindi ko naman ginawa. Sumagot naman kayo sa landline nyo, then indicated sa site nyo 24 hours kayong open. Kung work from home naman kayo so mas dapat accessible kayo tru email pero till now wala pa din kayong sagot.. Kapag wala pa din akong nareceive na feedback sa inyo, lalapit na ako sa SEC or sa DTI..

    Reply
  20. Ask ko lang po kasi ung Gcredit ko ginamit ng bf ko then naghiwalay na kami last month lng then hindi nya na binayaran ung sa Gcredit ko until now. tapos tumatawag sakin ung sa gcash regarding sa unpaid bal ko. Eh hindi ko naman un napakinabangan saka sya nakakaalam ng mga ganun. Makukulong po ba ako kapag hindi ko un nabayaran? :'( need help po

    Reply
    • Nope, babawasan niya yung balance mo hanggang mabayaran mo yung buong amount. Suggest bayaran mo na siya para puwede mo pa rin gamitin, sayang rin kasi ang GCredit malaking tulong pag gipit. Charge to experience nalang na wag magshare ng accounts sa iba lalo na sa mga SO’s kasi sakit ng ulo yan kung naging ex’s sila hehe.

      Reply
      • Hello ask ko lang po. If magbabayad po ba ako ng gcredit ko 10 days after ng purchase need ko po ba icompute ang interest at idagdag dun sa ibabayad ko or pag nasend palang ang billing statement saka pwede mabayaran ang interest? Thanks.

        Reply
        • Actually di agad nakikita ang interest, sa billing statement lang siya makikita. So kung nagbayad ka ng GCredit 10 days after, yung principal lang ang nabayaran mo. Yung interest nun makikita mo sa next billing statement pa.

  21. Hi Good day!

    I have a GCREDIT of 10,000 with just only 544 GScore. I don’t know if this will help you, but it’s effective for me though. These are the things that I did to Increase my GScore and has granted me the opportunity to have a 10k GCREDIT:
    1. I linked 3 bank accounts in my Gcash
    2. I opened a GSAVE account in CIMB
    3. I save at least 500 every 15th payday
    4. Pay my bills through GCASH or GCREDIT
    5. Make sure to pay credit bills (gcredit) on time.
    6. Use GCASH not only for load but for bank transfers as well. Though i would have liked it if there were no trans fee of 15 pesos everytime I transfer.

    I hope these tips will help you grant your GCREDIT of 10k. and will unlock 30k GCREDIT as well. Have a nice day and God bless!

    Reply
  22. Hi kgabi po kac may nreceive kaming messages ngsasabi na nagbayad daw kami ng 1350 sa google para sa gcredit pwede po bang malaman para saan yon saka nacheck ko na din po balance ng gcash ko nabawasan na nga ng 1350 gusto ko sana sya irefund paano po ba ang gagawin ko?di naman po kc kami ngrequest ng gcredit bigla nalng ngnotify samen sa sms.slamat po.

    Reply
  23. I’ve recently activated my Gcredit today with a Gscore of 379, na shock ako kasi 10,000 ang nakalagay, gulat din ung sister ko kasi nung na activate nya sakanya 400 ang score nya 1k lang ang nakalagay sa Gcredit. Sino po naka exprerince ng ganito?

    Reply
  24. Hi, gagamit ako ng shopee then mag top-up sana ako using gcredit kaso wala sa choices yung gcredit. Bakit ganun?

    Reply
  25. Around 460 na unlock yung Gcredit ko. Tas tumaas sya hanggang 495 tas biglang baba ulit dahil nasaid ung Gcash ko. Nadeactivate siya as payment option. Tas pinataas ko na sya ulit 502 na. Nagtext na yung Gcash sakin na pede ko na daw ulit magamit pero hindi naman sya nagrereflect sa account ko. Hindi pa rin unlocked. Nag sumbit na ako ng ticket pero walang naitulong at walang explanation bakit ganon. Sabi need ko pa daw pataasin pa. E bakit sila nagtext na okay na ung gcredit ko ulit. Take note 2x this month nag text. Naranasan niyo din ba ito?

    Reply
  26. hello po. paid kona ang gcredit ko. medyo nalate lng ng ilang weeks. nakaenable naman siya bakit dina po siya nagaappear pag magpaypayment ka?

    Reply
  27. akin namn 200Gscore ko and 3K GC limit. kaso nga lang naging 1K nasa 500 nako tas bigla naman binawasan ni gcash ng around 15-30 yung score ko. ayun hanggang ngayun di na umaakyat GC limit ko hahaha. di ko alam kung anong nagawa ko sa gcash pati master card ko kinain di ko magamit 4months pa lang sakin di ko na makuha sa BPI ang husay ng gcash. tuwing mag rereport ako laging sasagot. merong akong illegal activities hahaha la na akong magawa hinahayaan ko na lang.

    Reply
  28. Hi,
    I had an outstanding dues on my Gcredit that I failed to pay on time for some months and it incur me a high penalty. But fortunately I was able to pay it however I won’t be able to use it for the time being as my Gcredit was revoke because of my low Gcredit score. And to my shock, while I was under the impression that I have nothing to pay anymore I received a notice that I have to pay another interest rate plus a 600 pesos penalty when it’s not even a month when I paid it in full and that I have not use my Gcredit. Now I feel like I was being double charge. I would understand if it was only 200 pesos penalty, but 600!!! I think it’s very unfair. As of now, I’m still escalating this to GCash Customer service. Does anyone here who has the same experience as me?

    Reply
    • Hello! We have the same case. Did you pay that 600 pesos and interest? I am currently escalating this to Gcash. I just want to know what happen after you contacted them? Thank youuu!!

      Reply

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