Lahat ng Kailangang Malaman Tungkol sa GScore at GCredit

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Hindi lahat ng tao ang may access sa madaling credit. Karaniwan ang mga taong ganito ay nababad sa utang galing sa mga loan sharks at iba pang mga mahal na nagpapautang. Minsan sila rin yung mga nasascam ng mga get rich scheme. Tapos kung kailangang mangutang sa gobyerno o sa mga bangko, sila rin ang dehado dahil sa dami ng mga papeles at burukrasya.

Paano kapag makahanap tayo ng paraan upang matulungan silang makautang nang payapa at walang kolateral basta't may tamang dokumentasyon? Ang kailangan lang ay gumamit ng digital wallet na kagaya ng GCash palagi upang magkaroon ng kakayahang magkaroon ng credit.

Ano ang GScore?

Ang GScore ay isang uri ng credit scoring na gumagamit ng GCash user data mo upang patunay ng credit history mo. Kapag mas mataas ang iskor, ibig sabihin, mas may kaalamang pinansyal ka.

Ito ay katulad sa FICO score sa US, o kaya ng Zhima Credit na ginagamit ng Alipay sa Tsina.

Sa Tsina, kapag may magandang Zhima Credit score ka, maraming benepisyo ang puwede mong makuha, tulad ng pagkawala ng deposito kung magrerenta ng mga gamit tulad ng bisikleta, o kaya mas magandang mga rate ng pautang para sa mga apartment o kaya kotse. Kung mababa naman ang credit mo, mas maraming kailangang mga dokumento sa mga karaniwang transaksyong pinansyal.

Sa Estados Unidos, ang FICO score ang nagiging batayan sa mga mortgage payments, sa mga termino ng pautang at sa mga estado ng credit card ng isang tao.

Sa kasalukuyan, ang Pilipinas ay wala pang centralized scoring system. Dahil dito, si GCash ay nagsagawa ng sariling sistema gamit ang GCash user at transaction data sa pag-iiskor.

Paano gumagana ang GScore? 

Sa loob ng GCash app, kailangang pumayag ka muna na gamitin niya yung transaction history mo dahil ito ang paraan upang malaman kung gaano ka creditable na hindi kailangang magsumite ng kahit anong katibayang dokumento.

Ang sariling datus ang pagkukunan ng GScore. At puwede ikataas o ikababa ito depende sa mga kaugaliang pinansyal na ginagawa araw-araw.

Ito ay magandang solusyon, sapagkat ang mga tradisyonal na paraan ay karaniwang di makatarungan lalo na para sa mga mahihirap.

Ang mga bangko ay madalas nagpapautang sa mga may kaya lamang. Ang mayorya na nangangailangan ay di kayang makautang.

Kahit na mukhang binabalewala natin ang privacy para lamang makakuha ng credit, ngunit tandaan, ito ay boluntaryong binibigay. Hindi mo kailangang ibigay kung may agam-agam ka.

Gayunpaman, kung nakapagdesisyon kang gamitin ito, maraming benepisyo rin ang makukuha. Katulad ng mas magandang mga terms para sa prepaid subscription sa Globe kung may mataas kang iskor.

Ang GScore page

Paano pataasin ang GScore ko? 

Ang algorithm na ginagamit ni GScore ay mas binibigyang bigat ang kalidad ng transaksyon. Ibig sabihin nito ang mga karaniwang ginagawa tulad ng pagcash-in at pagcash-out ay hindi magbibigay ng mataas na iskor.

Ito isang tip: Makakakuha kg ng 5 punto sa iskor mo kapag naglink ka ng bank account sa cash-in sa loob ng app.

Subalit tandaan na lahat ng tumataas, ay puwede ring bumaba. Gayundin ang GScore kapag hindi ito ginagamit.

Kung tayo ay nagsasagawa ng mabuting ugaling pinansyal, ito ay may gantimpalang mataas na iskor galing sa GScore algorithm.

Heto ang mga paraan upang tumaas si GScore::

Gaano kadalas nag-aadjust si GScore?

Kada linggo ito nag-aadjust base sa transaction history ng nakaraang linggo.

Kaya mas magandang i-timing nang mabuti ang mga "de kalidad" na transaksyon upang maiwasan ang malaking pagbaba nito.

Halimbawa, dahil karaniwang binabayaran nating ang ating mga bills tuwing payday, mas magandang sa mga pagitang linggo gawin ang mga investments o savings.

Samakatuwid, hindi dapat hadlang ito sa taong gumagamit ng GCash araw-araw.

Isa pang tip ay dapat di mawalan nang loob kapag bumababa ang GScore. Dahil ang credit limit mo hindi naman sumasabay sa GScore. Mananatili itong parehas lang.

Ano ang GCredit? 

Ang GCredit ay isang linya ng credit na hinahandong ng GCash at nakatali ito iyong GScore. Kapag mas malaki ang GScore, mas mataas ang credit limit na maipapataw sa iyo.

Ang GCredit ang pangunahing paraan upang magamit ang GScore at parehas ito sa credit card.

Ito ay bunga ng misyon ni GCash na magbigay serbisyong pinansyal sa mga taong di nakakagamit nito. Sa kasamaang palad, ang mga Pilipino ay isa sa mga pinakakonting gumagamit ng credit card sa buong rehiyon ng ASEAN..

Puwede ko bang i-cash out ang GCredit ko?

Hindi puwedeng icash-out si GCredit dahil ito ay isang paraan para maiwasan ang mga bad debts and para umikot ang pera sa ecosystem ni GCash. At isa pa, kailangang maglaan ng transaction data si GCredit kay GScore at magiging daan ito para mas malinaw na makita ang credit standing mo.

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.

Paano ako makakakuha ng 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. Ang aktwal na GScore na kailangan para maunlock ng GCredit ay si G-XChange lang ang nakakaalam.

Ang GCredit ay nagbibigay ng maliit na credit muna (Php 1000), ngunit kung mainam at maayos ang pagkakabayad nito, makakaunlock ka ng mas malaking halaga (Php 30000) at mas mababang interest rates (bumababa hanggang 3%) sa tuwing pagtataas ng GScore mo.

Huwag pong kalimutan na ito ay isa talagang pautang o loan, kaya may kaukulang interes ito. Ngunit sa maraming paraan mas maganda ito sa isang 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.

Puwede bang hindi ko gamitin ang GCredit ko? Kailangan bang may bayaran ako?

Bilang user, may karapatan rin tayo na hindi gumamit ng GCredit. Wala ring mga penalty na kailangang bayaran kung hindi ginagamit.

Puwede ko bang kanselahin ang GCredit?

Puwedeng ipadaan sa GCash Support ang pagkansel. Kailangan ring may katibayan kung bakit hindi mo na siya gagamitin, at dapat wala ring balance upang magawa ito. GCash Support. However, you will need to have a valid reason as well as no outstanding balance to be able to do so.

May iilan akong mga GCash account. Ibig bang sabihin nito marami rin ang mga GCredit na account ko?

Lahat ng GCredit account ay nakasama sa iisang GCash account lamang.

Does GCredit have an annual fee?

No, it is based on your usage only.

Paano ko mauunlock ang Php 10000 na GCredit?

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.

Sa kasalukuyan, wala pa akong nakikitang nakaunlock ng 30000. Sa aking karanasan, ang GScore ko ay umabot nang 750 at wala rin akong naunlock na mas mataas na halaga.

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.

Gaano kataas ang interest rate? 

Kung pinatagal mo ang GCredit sa isang buwan, ang kabuuang interes na magugugol ay 5% sa itaas ng prinsipal. Kung kinumpara ito sa isang credit card, mukhang mataas ito, dahil 3% lang ang interes ng credit card kada buwan. Ngunit, kung mas maaga ka magbayad buwan buwan, mas maganda ang GCredit dahil araw-araw ang pagcompound ng interes nito kesa sa buwan buwan.

Anong ibig sabihin ng "pagcompound na araw-araw"?

Ang ibig sabihin nito kada araw ang pagcompyut ng interes kesa sa buwanan. Kung mas maaga mong binayaran si GCredit, mas mababa ang babayaran mong sa kabuuan kesa sa buwanang pagbabayad, tulad ng credit card.

Ang interes ng GCredit ay magiging mas mura kapag mas maaga itong bayaran. Halimbawa, kung gumamit ka ng GCredit tapos binayaran mo siya pagkatapos ng 3 araw, mas mura ang interes nito kesa sa pag binayaran mo pagkatapos ng isang linggo.

Ibig sabihin rin nito na kapag ginamit mo at binayaran mo ang GCredit mo ngayon araw, walang mapapataw na interes sa iyo.

Puwede bang gamitin ang kabuuang halaga ng GCredit ko kung nakabayad ako nang mas maaga?

Oo, at isang magandang benepisyo nito ay magiging full credit ulit bago ng due date at puwedeng gamitin ulit ito.

Halimbawa, may Php 3000 kang GCredit at ginamit mo ang Php 1500 sa grocery. Kung binayaran mo agad ito, magiging Php 3000 ulit ang GCredit mo at puwede ka ulit gumamit ng GCredit bago ng due date mo.

May sample ba na kompyutasyon? 

Kung gumamit ka ng Php 500 na GCredit at plano mong bayaran ito pagkatapos ng isang linggo, Magkano ang interes na gugugulin nito?

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

Ang kabuuang babayaran ay Php 505.83. Kung binayaran sa katapusan, mas mahal ito ng 25 piso.

Ito ay kapag ginamit ang default interest rate. A higher GScore could mean eventually a lower interest rate in the future.

Gaano katagal ito dapat bayaran (Repayment Period)?

May nakatakdang 45 na araw ang loan bago magkaroon ito ng mga penalty. Ang billing period ay 30 na araw, Ang due date (o ang billing date) ay 15 na araw pagkaraan ng billing period.

Bilang buod ng mga petsa sa Manage GCredit page:

  • Billing period ay ang petsa kung kailan naumpisahan mong gamitin si GCredit at magbilang ka ng 30 araw pagkaraan ng petsang iyon
  • Billing date ay ang unang araw pagkatapos ng billing period
  • Due date ay ang ika-15 na araw pagkaraan ng billing period

Ang billing period at ang due date ay nakabase sa araw na nagsign-up ka sa GCredit. Tandaan na ang loan na ito ay magkakainteres araw-araw.

Halimbawa kung ang billing period mo ay mula Hulyo 28 - Agosto 27. Ang due date mo ay 15 na araw pagkatapos ng Agosto 27, at ito ay Setyembre 12.

Ang pinakahuling araw na kailangang bayaran ang mga dues ay Setyembre 12. Kung malampasan mo ito, may kaakibat itong penalty fee.

Bakit hindi ko makita yung interes sa Manage GCredit page habang nasa billing period ako?

Ang interes kapag ginamit ang GCredit ay magpapakita lamang kapag natapos na ang billing period sa Manage GCredit page. 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.

Dito makikita yung "fine print" tungkol sa billing period

Ano ang porma ng GCredit Statement of Account?

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.

Anong mangyayari kapag di ko nabayaran ang dues?

Magkakaroon ng penalty depende kung gaano katagal na hindi nakabayad ng dues. Ito ang isang listahan ng mga penalty ukol sa haba ng hindi pagbayad pagkatapos ng due date:

  • 1-30 araw nahuli = Php 200
  • 31-60 araw nahuli = Php 500
  • 61-90 araw nahuli = Php 900
  • 91 days at lumampas pa = Php 1500

Mas maganda pa rin na magbayad at magsettle nang mas maaga, Kung di ka makabayad nang 3 buwan, ang GCredit ay madedeactivate at bababa rin ang GScore mo.

Isa pang babala: Kapag di nagbayad ng dues, si GCredit ay magkakaltas ng GCash balance mo. Subalit magpapadala muna ito ng SMS kaya may oras ka pang itago muna ang pera mo sa GSave. Kung may auto-deposit ka, mas mauuna pa rin ang auto-deduct ni GCredit.

Another thing to note is if you are delinquent, you won’t be able to use GCredit as payment method. Ito ay hanggang mabayaran mo ang natitirang dues. Ang GScore mo ay bababa rin,

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.

Saan puwedeng gamitin si 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.

Papaano ako makakagamit sa pagscan ng QR or paggenerate ng code?

Sa loob ng app, kayang magbayad gamit ng Scan QR at Generate QR. 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.

Para sa Scan QR, kailangan lamang piliin ang GCredit bilang paraan ng pagbayad pagdating sa confirm payment page.

Ang GCredit option para sa Scan QR

Kapag Generate QR Code naman, kailangang piliin yung "Payment Method" sa ibaba ng QR Code.

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

Hindi sa kasalukuyan.

What merchants support GCredit?

Puwede mong makita ang 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.

Paano ako makakabayad ng bills gamit GCredit?

Makikita ang billers sa app na pupuwedeng gamitin ang GCredit pagbayad. Dapat may nakasaad na "Also accepts GCredit" sa mismong biller. Halimbawa, ito yung mga billers na "Electric Utilities":

Notice the “also accepts GCredit” line

Kung may aberya si GCredit, kusang mawawala ang "also accepts GCredit" na linya.

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

Upang di na kayo tumingin sa kada isang kategorya ng biller, inilahad ko na lahat ng mga kategoryang kasama ang 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.

Puwede pa rin bang gamitin ang GCredit ko kapag bumaba ang GScore ko?

May hangganan ang pagbaba ng GScore. Kung bumaba ito nang husto, maaaring maging deactivated ito.

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.

Bakit di ko makita ang GCredit kapag nagbabayad gamit QR o kapag nagbabayad ng bill?

Kapag walang GCredit na option, ibig sabihin di suportado ang GCredit o may maintenance siya sa kasalukuyan.

Upang makita ng listahan ng biller na puwedeng gamitin ang GCredit, hanapin ang listahan ng biller sa itaas.

Paano ko mababayaran ang GCredit ko kapag di gumagana ang GCredit sa app mismo?

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.

Ito ang mga detalyeng kailangan para sa pagbayad:

  • “Fuse Lending” bilang biller name
  • Account name (iyong full name sa GCash)
  • Account number (GCash mobile number)
  • Halagang nais bayaran

Buod

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.

Ang GCash app ay naghahandog ng GCredit na halaga base sa GScore ng isang indibidwal.

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.

Isa pang pagkakaiba ang posibleng pagkabayad ni bago pa umabot ang susunod na billing period. Kung nakaligtaan ang pagkabayad, kusang kukunin ito sa iyong GCash balance.

Kung interesado ka tungkol sa GCash, gumawa ako ng how-to ng mga basics of GCash.

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

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

Nagustuhan mo ba ang aking tutorial? May nakaligtaan ba ako? Huwag mag-atubiling mag-iwan ng mga komento at suhestiyon sa ibaba!

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

  1. 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?

    Sagutin
    • 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.

      Sagutin
    • 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…

      Sagutin
  2. 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.

    Sagutin
    • 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.

      Sagutin
    • 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.

      Sagutin
  3. 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

    Sagutin
    • 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.

      Sagutin
  4. 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

    Sagutin
    • 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.

      Sagutin
  5. 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?

    Sagutin
  6. 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.

    Sagutin
  7. 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

    Sagutin
  8. 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?

    Sagutin
  9. 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?

    Sagutin
  10. 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?

    Sagutin
  11. 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??

    Sagutin
    • 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.

      Sagutin
    • 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.

      Sagutin
  12. 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.

    Sagutin
    • 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?

      Sagutin
    • 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.

      Sagutin
  13. 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?

    Sagutin
  14. 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 🙂

    Sagutin
  15. 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!!!

    Sagutin
  16. 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..

    Sagutin
  17. 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

    Sagutin
    • 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.

      Sagutin
      • 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.

        Sagutin
        • 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.

  18. 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!

    Sagutin
  19. 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.

    Sagutin
  20. 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?

    Sagutin
  21. 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?

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

    Sagutin
  23. 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.

    Sagutin
  24. 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?

    Sagutin
    • 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!!

      Sagutin

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