How GCredit Works

I’d like to live a cashless life. Seriously, I mentioned to my husband last month that I will only use GCASH or PayPal for any transactions or my UnionBank EON (this is not a sponsored post, btw). But seriously! I hate bringing cash, and I think we will be able to live our lives without cash. I want to challenge myself and I think I will be able to survive a week without cash. I will start tomorrow and I hope you can follow my journey starting tomorrow! I will document it via my Facebook ( and Instagram stories (

Today though, I’ll be sharing with you this new feature of GCASH (again, this isn’t a sponsored post). Just found cool that they have this!

As you may know, GCASH is a produce under a company called Mynt. Aside from GCASH, Fuse lending (a micro-lending company) is under Mynt. So these two basically combined forces to launch GCredit.ย GCredit is a credit limit available on the GCASH app which may be used for your payments and purchases. Example, after scanningย  the QR codes of your favorite merchant, the app will ask you if you will pay via your GCASH money or GCredit.

You will need to activate your GCredit first and this “activation” is available when you use your GCASH app frequently for purchasing, loading and paying bills.

Now, how do you compute for interest. It’s very straight forward: [amount borrowed x 5% interest rate x (# of days borrowed / 30 days)].

You’re credit limit can be increased based on frequency and amount of transactions that you make. Credit limit starts at Php 1000 and can increase to Php 30,000.

Check out this feature and let me know your thoughts on this! ๐Ÿ™‚

For more information, you can visit this:ย



  1. June 14, 2018 / 7:30 pm

    safe to use po ba ito?
    anyway thanks another options din ito.

    • June 15, 2018 / 7:58 pm

      Yes, this is safe to use ๐Ÿ™‚ You’re welcome!

  2. Neb Pascua
    June 15, 2018 / 7:33 pm

    Thank you for the blog. Learned a lot.

  3. June 16, 2018 / 2:20 pm

    Thanks for this Ginger! Ganda! So this is a Credit Card capabilities of Gcash. Interest rate applies when you dont get to pay within30 days Very informative!

  4. chay
    June 24, 2018 / 11:49 am

    hi can i use my husband’s gcredit?

    • June 24, 2018 / 2:29 pm

      Hi Chay! I guess if he allows you to use it. “Credit” will be under the account holder. ๐Ÿ™‚

  5. Anvil
    August 22, 2018 / 12:24 am

    How many GScore do you need to activate GCredit?
    I currently have 509, but it’s still saying not available.
    Please advise.

    • August 23, 2018 / 4:16 pm

      Hi Anvil! ๐Ÿ™‚ I checked with them and right now, since GCredit is still on beta phase. Only selected users have access to the product. Beta phase means that the company is still testing out the product across different kinds of users from specific areas. Don’t worry though! They mentioned that soon more and more users will be having access once the product is off beta. Just keep on using GCash to increase your GScore and be eligible for GCredit! ๐Ÿ™‚

  6. Rosemarie Ramos
    October 14, 2018 / 7:56 am

    pwede bang Icash out ang GCredit limit parang credit card cash advance?

    • October 15, 2018 / 9:38 am

      Hi Rosemarie! I think diretsyo lang sya to purchase something ๐Ÿ™‚ Can’t be withdrawn as cash ๐Ÿ™‚

      • Jofil Aller
        February 22, 2019 / 6:09 pm

        You may withdraw if you buy the GCash Mastercard (P350) though.

        • Charles
          March 25, 2019 / 11:04 pm

          No because your Gcash Card withdraws from your Gcash wallet, not your Gcredit wallet which is essentially separate

  7. larry dimakiling
    October 15, 2018 / 2:21 pm

    pwede b ko mag grocery s supermarkets using gcredit? kng pwede ppano?

    • October 15, 2018 / 4:55 pm

      Pwede basta they accept GCash as payment ๐Ÿ™‚ so when you scan the QR code, the app will ask how would you like to pay. You can choose GCredit ๐Ÿ™‚

  8. J
    October 15, 2018 / 2:34 pm

    Hi! This is very helpful as I was just approved for GCredit!
    If magbayad ako ng mas maaga, babalik ba agad ‘yung limit ko?

    • Tj
      October 22, 2018 / 6:18 pm

      Yes. Babalik siya agad.

    • J
      October 30, 2018 / 11:17 am

      Yes, kaka-try ko lang. Bumalik siya agad kahit hindi pa tapos billing period. So bale interest na lang babayaran mo sa due date.

      • Erica
        December 18, 2018 / 3:50 pm

        Once I purchase today Dec 12. Then tomorrow, interest rate will already apply. Is my understanding correct? Thanks!

        • December 24, 2018 / 9:14 am

          Yes, it’s 5% for 30 days ๐Ÿ™‚ so automatically (i think) you have 5% na interest rate ๐Ÿ™‚

        • Jack
          June 12, 2019 / 12:52 am

          Ask ko lng po kapag di nagamit ung gcredit may babarmyaran pa rin ba ako? Maximum of 1000 kase balance ng GCREDIT KO

          • June 16, 2019 / 10:44 am

            Hi Jack! If you did’t use it, you don’t have to pay anything ๐Ÿ™‚

  9. tina lagonoy
    November 25, 2018 / 10:08 pm

    Hello! Good day. Bakit po hindi nag iincrease yung gscore ko? Lagi naman ako nagloload and pay bills. Ano pong problem dun?

    • November 28, 2018 / 9:47 am

      Maybe you can message the GCASH team ๐Ÿ™‚ Dapat it should increase ๐Ÿ™‚

    • Jayson
      June 6, 2019 / 6:41 am

      Can i cash out the g credit?.

      • June 16, 2019 / 10:45 am

        Hi Jayson! No, you cannot cash it out ๐Ÿ™‚

  10. chemai
    November 29, 2018 / 12:03 am

    hi pwd bang i send ang gcrdit money mo sa other gcash account?tnx

  11. Ace
    December 20, 2018 / 11:33 am

    Hi, can we use Gcredit to buy load?

    • December 24, 2018 / 9:12 am

      I haven’t tried it for load ๐Ÿ™‚ I’ve tried it lang for payments in stores because it presents the option once you scan the QR code of the merchant ๐Ÿ™‚

  12. Precious
    December 24, 2018 / 6:20 am

    hi ,what if nabayaran Kuna u g GCREDIT balance ko then how many days before makapag Credit or Gamit unit non miss ? Kasi walang info. .. SA iba eh Salamat hope your reply

    • December 24, 2018 / 9:13 am

      Hi Precious! From what I know, once you pay, your credit limit goes back up again so you can use it again ๐Ÿ™‚

  13. Francis
    January 22, 2019 / 7:14 am

    Hmmm qualified na po ako sa gcredit application but di ako makapag process kasi wala po kasi kaming landline sa bahay kaya wala akong mailagay , Ano pong pwede kung gawin maam . TY PO.

    • April 24, 2019 / 10:34 am

      You can leave it empty. ๐Ÿ™‚

  14. phcornee
    January 22, 2019 / 2:41 pm

    what happens if i dont pay the gcredit that i use in due date?

  15. tico
    February 1, 2019 / 7:00 pm

    san ba magagamit ang gcredit? pwede ba electronic payment? pwede ba buy load using gcash apps.. newly approved lang kasi ako.. and curious lang

  16. Yasilad
    February 12, 2019 / 9:07 pm

    Hi Ms. Ginger,ask lng po,,,what if dko nmn ipurchase c gcredit qo wala nmn po guro akong bbyadan not unless i used it to purchase…right…tenks๐Ÿ˜‰

    • February 17, 2019 / 10:47 am

      Hi Yasilad! Yes, you don’t have to pay anything unless you use your credit ๐Ÿ™‚ Para syang credit card ๐Ÿ™‚

  17. LJ
    February 25, 2019 / 12:01 am

    Hi I couldn’t understand the payment. Is it 15 days after billing date or 30 days?

  18. LJD
    February 25, 2019 / 1:02 am

    When do is actually my due date or yung bayaran for the credit? Is it 15 days after billing date or 30 days? Becayse I am a bit confused.

    • February 25, 2019 / 8:08 am

      Hi LJD! ๐Ÿ™‚ There will be a reminder naman in the GCASH application too ๐Ÿ™‚

      • LJD
        February 25, 2019 / 11:37 am

        What if I don’t use the credit for months? What happens? Do I still need to pay sonething

      • LJD
        February 25, 2019 / 11:38 am

        What if I don’t use the credit for months?Do I still need to pay sonething

  19. Patrick
    February 27, 2019 / 3:12 am

    How many hours po bago mo makuha ang gceedit after applying?

  20. Coderes
    March 6, 2019 / 5:21 pm

    Hi. What if I did not use my g credits. Do I have to pay it pa ba?
    Thank you!

    • March 10, 2019 / 7:24 am

      No, you don’t have to pay anything if you don’t use it ๐Ÿ™‚

  21. Red
    March 7, 2019 / 2:17 pm

    Hi pwede po b makamit ang gcredit pang bayad sa gasoline station meron pong gcash mastercard

    • March 10, 2019 / 7:26 am

      Hi Red ๐Ÿ™‚ I think you can only use the app for GCredit ๐Ÿ™‚

  22. Kuya Joey
    April 11, 2019 / 9:07 am

    Hi. What if hindi ko nagamit ang na-avail ko na gcredit? Like yung 2k na na-grant sa akin e hindi ko ginalaw hangang mag-due?
    Thanks in advance..

    • April 11, 2019 / 10:03 pm

      Hi Kuya Joey! Nothing will happen if you don’t use it naman ๐Ÿ™‚ Wala namang charge sa’yo for that ๐Ÿ™‚

      • Kuya Joey
        April 12, 2019 / 4:35 am

        Thank you very much for taking time to answer my query. God bless po..

  23. Andy
    April 26, 2019 / 9:22 pm

    Pwede kaya cash in sa mga 7/11 tapos pay qr gcredit ung gagamitin

  24. Nigeol Kiel Naldo Balicanta
    May 20, 2019 / 11:44 am

    Paano po ang matrix ng gcredit kase i have 490 gscore yet i have only 1000 gcredit? Im always paying bills like electric,internet, and credit card thru gcash including load worth 5k monthly. But u have 3000limit with 525gscore? A bit unfair.

    • May 20, 2019 / 12:04 pm

      Hi! Maybe you can check with GCASH Customer service why this is the case ๐Ÿ™‚

  25. Tarsiera
    May 26, 2019 / 6:30 am

    Hi Ms. Ginger,

    Pwede q po b i cash out yng gcash credit q? Approved po kc aq ng 2k. Hope you reply po. Thanks!

    • May 26, 2019 / 11:59 am

      Hi! ๐Ÿ™‚ You can’t cash out the GCREDIT amount po. This is what you can use to purchase items na may GCASH QR code. It works like a credit card ๐Ÿ™‚ you need to pay it later on with interest ๐Ÿ™‚

  26. Bryan
    May 28, 2019 / 10:29 am

    Ask ko lng po kapag di nagamit ung gcredit may babarmyaran pa rin ba ako? Maximum of 1000 kase balance ng GCREDIT KO.

  27. Ruth
    June 5, 2019 / 8:58 pm

    Hi there! I have a concern though, what if I don’t want to use Gcredit anymore? I have tried it once, and already paid for the whole amount before the due date. But this time, I don’t want to continue using it, so what should I do. Thank you, looking forward to your response.

    • June 16, 2019 / 10:45 am

      No need to worry or do anything. Just leave it like that ๐Ÿ™‚

  28. Jack
    June 12, 2019 / 12:51 am

    Ask ko lng po kapag di nagamit ung gcredit may babarmyaran pa rin ba ako? Maximum of 1000 kase balance ng GCREDIT KO

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