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.Β GCredit is a credit limit available on the GCASH app which may be used for your payments and purchases. Example, after scanningΒ  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.

I also get some inquiries on how to transfer GCredit to GCash Wallet. For this, there is no way of doing so. GCredit acts like a credit card where you have a balance that you can consume as a loan. For GCash Wallet, it serves as ready cash that you can use.

Another question is how to use GCredit to Buy load. For this, it’s not really related to GCredit but there is an option to borrow load when your GCash Wallet is Zero.Β  Choose the load combo you need. The app will send you a text message for the borrowed amount. You will need to fund your GCash account with the borrowed money before the due date and GCash will automatically deduct this amount from your wallet.

Hope these other FAQs help!

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

For more information, you can visit this:Β


  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 πŸ™‚ You’re welcome!

      • Taka
        October 11, 2019 / 7:27 am

        I have my GCredit approved for almost a month now. Have not used it yet coz I dont know how. Too shy to ask if they accept GCash. Any store recommendation?

        • October 17, 2019 / 11:40 am

          If you see the GCASH QR codes in stores, you can scan that and then either pay using GCASH balance or GCREDIT πŸ™‚ The App will ask you πŸ™‚

          • Dianne Grace
            October 29, 2019 / 5:41 pm

            Hi pag po ba hindi mo nagamit ang Gcredit machacharge po ba kayo? Dapat din po bang maubos mo yung limit mo? Thanks

          • November 5, 2019 / 6:19 pm

            No, they won’t charge if you haven’t used any credits πŸ™‚

      • jenelyn deseo
        April 13, 2021 / 11:05 am

        hello po. meron po akong credit limit na 5k. paano po kung hindi ko po sya nagamit lahat .. knwari po nakagalaw lang ako ng 2k sa gcredit. tapos may natirang 3k pa po sa gcredit.. babayaran ko parin po ba ung kabuuan n 5k ? kaht hindi ko naman po nagamit lahat bago mag due date? salamat po sa sagot..

        • Liana Faith De Leon
          April 23, 2021 / 9:59 pm

          No, you won’t po. You will only pay for what you have used.

          • Chriz
            May 13, 2021 / 4:27 pm

            HI, naapproved po ako ng 2k gcredit. Do I have to pay for it ba kahit di ko sya magagamit? I mean andun lang po sya sa credit tab ng gcash. Thanks po sa pagsagot.

    • March 16, 2023 / 6:01 pm

      Mam tanung ko lng Po kung pwde Po ba gmitin pmbyad ung gcredit sa gloan ko sa gcash??

  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. πŸ™‚

    • Ludwig
      October 23, 2019 / 11:29 pm

      Paano ba bumili load gamit gcredit

      • mar
        February 12, 2020 / 9:38 pm

        pede po ba hindi gamitin ang gcredit kahit may gcredit line ka?

        • Annie Santos
          January 18, 2021 / 2:24 pm

          Ms. GINGER can I ask if pwede ko po ba gamitin ang gcredit sa puregold even without gcash balance?

          • February 3, 2021 / 9:04 am

            Hi! As long as they accept GCREDIT and you have unused GCREDIT balance πŸ™‚

  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! πŸ™‚ 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! πŸ™‚

      • Mernard
        July 19, 2019 / 9:43 pm

        When my gscore reach 403 they gave me a gcredit of 1,000

      • mark kenneth almonia
        April 29, 2021 / 11:16 pm

        hi paano po ipakansel yung gcredit .gusto ko sana ipakansel ung gcredit ko .

        • April 30, 2021 / 5:37 am

          Hi Mark! What you can do is just pay any unpaid credit for your GCredit and just don’t use it anymore πŸ™‚

  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 πŸ™‚ Can’t be withdrawn as cash πŸ™‚

      • 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

        • Laidi
          June 30, 2019 / 12:56 am

          Is this true?

          • July 13, 2019 / 12:57 pm

            Hi Laidi! If you’e question is “is this reliable?”, i’ve only used it once, so maybe the others here can jump in and share their experiences, too. But with my initial use of GCredit, it worked πŸ™‚

          • Liz
            November 17, 2020 / 2:50 am

            i have used it paying my Meralco bill. I was actually surprised because my initial Credit Limit is Php 10,000

          • November 17, 2020 / 10:34 am

            Oh wow! Thanks for sharing Liz. You must have a really good credit score. πŸ™‚

        • maryah
          March 30, 2021 / 7:44 pm

          really? ayaw ma withdraw nung tinry ko

          • April 5, 2021 / 1:07 pm

            Hi Maryah! GCredit is a credit line and you cannot encash it. It works like a credit card where you can use the balance that you still have to pay for purchases online. πŸ™‚

  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 πŸ™‚ so when you scan the QR code, the app will ask how would you like to pay. You can choose GCredit πŸ™‚

  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 πŸ™‚ so automatically (i think) you have 5% na interest rate πŸ™‚

        • 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 πŸ™‚

          • Ian
            June 19, 2019 / 9:30 am

            Like wala syan annual fee like credit cards?

          • June 22, 2019 / 10:26 am

            No, you don’t need to pay annual fees πŸ™‚

          • April
            August 30, 2020 / 2:44 pm

            Mam if d xa pd mwithdraw as cash anunanu po kaya ung pd nia ipurchase. As direct payment c gvredit. Pd po kaua sa cp? Ae

          • August 31, 2020 / 12:53 pm

            before the pandemic, you could use it in stores. Scan lang the QR code. Not sure ngayon kung saan sya pwede gamitin πŸ™‚ Now that we are all at home and we hardly go out πŸ™‚

        • Imvel
          May 4, 2021 / 3:01 am

          Hi Interest may apply if you will pay your used up gcredit beyond the cut off date. But if you will pay before the cut off date, there will be no interest.

      • Marilou V dela Cruz
        February 13, 2021 / 9:42 pm

        Pede ba ito icash out or itransferf

    • Shey Alba
      June 21, 2019 / 3:11 pm

      pa help naman po, magamit ko n ung g credit ko kaso ndi po ko alam pano ko babayaran ung nagamit mo pra ndi n lumaki ung interest ko, Pls patulong nman po saan ako dpt magbayad at paano po. thank you s sasagot.

      • June 22, 2019 / 10:29 am

        Hi Shey! You have to cash in sa GCASH so that you can pay via GCASH credits. You can go to 7/11 to cash in or add to your GCASH Credits. πŸ™‚

  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 πŸ™‚ Dapat it should increase πŸ™‚

    • 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 πŸ™‚

        • Jessie
          September 8, 2020 / 11:06 pm

          Hi Ms Ginger,

          Can we use Gcredit for pther billers such as paying credit card bills/ institutions? Thanks in afvance

          • September 10, 2020 / 8:18 am

            Hi Jessie! From what I know, right now, you can’t use it for other billers. πŸ™‚

    • Ezekiel Velasco
      December 4, 2019 / 4:10 pm

      Save money then invest. Automatically unlock gcredit mo.

  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 πŸ™‚ I’ve tried it lang for payments in stores because it presents the option once you scan the QR code of the merchant πŸ™‚

    • February 6, 2020 / 10:56 pm

      Hi Ginger, bakit yung gcredit ko insufficient fund kahit may 3000 credit balance pa ako. Ano kayang gawinko para di sya magsabi ng insufficient which is not true as i have still a credit balance of 3k remaining. Pls help me. pls send your reply to my mobile 09956754107.


  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 πŸ™‚

  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. πŸ™‚

  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…tenksπŸ˜‰

    • February 17, 2019 / 10:47 am

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

  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?

    • November 6, 2019 / 12:45 pm

      Hi my balance pko s gcredit kaso dko mgamit ksi lumalabas wala dw ako gcash balance..kelangan b mei laman c gcash para mgamit c gcredit?thanks

      • November 28, 2019 / 8:21 am

        Hi Liezly! πŸ™‚ I don’t think you need GCASH balance to avail GCredit. But double check narin with their customer service. πŸ™‚

  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! πŸ™‚ There will be a reminder naman in the GCASH application too πŸ™‚

      • 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 πŸ™‚

  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 πŸ™‚ I think you can only use the app for GCredit πŸ™‚

  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 πŸ™‚ Wala namang charge sa’yo for that πŸ™‚

      • 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 πŸ™‚

  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! πŸ™‚ 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 πŸ™‚ you need to pay it later on with interest πŸ™‚

  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 πŸ™‚

  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

  29. Cz
    June 23, 2019 / 4:30 pm

    Can i withdraw cash from gcredit now? Like cash advance? Kc when i tried to withdraw using my gcash mastercard there were 3 options… sa atm machine.. gcash, gsave or savings, then gcredit. Gusto ko sana i try kaso baka magkaproblema.

    • June 24, 2019 / 6:13 pm

      Hi CZ! There is no cash advance for GCredit kasi πŸ™‚ You can only use it for paying merchants na partner ng GCASH πŸ™‚

  30. June 25, 2019 / 2:16 am

    I had already pay my Gcredit balance early on or before the due date of the transaction but why is it that my Gscore were decreased by -5 a day from 482 pts. become 477?

  31. Cyril
    June 25, 2019 / 11:18 am

    Ginagamit ko palagi gcredit ko. Binabayaran ko agad after a week or 2 weeks pero Wala namang interest. Ganun ba Yun kapag magbayad agad? Ginagamit ko siya for months now. Once lang ako nakapagbayad ng me interest, Yung umabot ng 3 weeks bago ko babayaran Yung credit mo. Thank u sa sasagot.

  32. Ivy
    July 6, 2019 / 10:17 pm

    Hi. Pano po ba gamitin ang Gcredit to pay loan?

    • July 13, 2019 / 12:55 pm

      Hi Ivy! You can’t use GCredit to pay a loan. GCredit is also a loan (used like a credit card).

  33. charmie
    July 9, 2019 / 1:23 pm

    hello!nag apply po ako ng gcredit,at na approve sya, paanu po kung di ko sya ginamit, pwedi bang e apply sya ulit in near future para mas lumaki????or kilangan ko talagang e use muna bago ulit mag apply???
    salamat po sa sagot

    • July 13, 2019 / 12:52 pm

      Hi Charmie! The frequency of use kasi and paying it off after increases your credit score. So if you want the credit limit to increase, use it often then pay it off. Tataas sya if you show that you are a good payor πŸ™‚

  34. joseph
    July 13, 2019 / 12:54 am

    madam pwede ko ba gamitin ang gcredit sa pag cash in ng gcash?

    • July 13, 2019 / 12:51 pm

      Hi Joseph! I don’t think that you can do that πŸ™‚

    • Gen
      October 7, 2019 / 9:07 pm

      Hi maam, pwede ko ba maipurchase sa lazada yung gcredit ko? Pakisagot po plssss..

      • October 17, 2019 / 11:38 am

        I think you can only use GCASH balance and not GCredit for Lazada πŸ™‚

  35. lhovelle
    July 13, 2019 / 5:39 pm

    pwede ba magamit ung gcredit kahit walang lamang ung gcash ko thank you

  36. Mharlhea
    July 30, 2019 / 1:34 pm

    Hi ask ko lang po , july4 -aug4 ang billing date ko .. Aug20 ang due date q . nag bayad na. Q kahapon pwede ko na ba ulit gamitin ung gcredit q .. Hndi na ba ko maghahabol sa due date q na mabayaran ung 1k credit q ?

  37. Larence Monte
    August 15, 2019 / 12:47 pm

    Hi Miss i accidentally activate my gcredit in gcash. My my application was approved me 2000 pesos gcredit limit.. if i didnt use my gcredit for a amount up to the due date.. will i have any penalties or i will be charged?because im a worry.thanks

    • August 15, 2019 / 12:51 pm

      Hi Larence! If you don’t use it, you don’t need to pay for anything πŸ™‚

  38. Sherwin
    August 23, 2019 / 3:57 pm

    Kung 500 po yung pinagbayad ko sa online shopping magkano madagdag ng gcredit or gscore??

    • September 9, 2019 / 8:51 pm

      Hi Sherwin! From what I understand, it’s not the amount of the payment but the frequency of usage that can help increase your GScore πŸ™‚ Basically, how often you use the app using different features πŸ™‚

      • November 17, 2020 / 11:17 pm

        Hello po ask ko lang po kung pwede bang gamitin ang gcredit as payment like sa mobile phones , Gadgets ,or appliances

  39. Geraldine Dosdos
    September 4, 2019 / 4:34 pm

    Hi miss Ginger ! I just want to know if i can used my GCredit to send money like to my parents or transfer my GCredit to my bank account and pay it before due date? Would that be possible?

    • September 9, 2019 / 8:50 pm

      Hi Geraldine! You can use it for funds transfer to other people. Right now, you can only use it to pay for products from partner merchants or some billers πŸ™‚

  40. Rachelle Ann Ocampo
    September 9, 2019 / 6:39 pm

    Hi. So payable in 30 days po yung gcredit from the day ginamit mo pambayad? Is that correct? Thanks for enlightening me up.

    • September 9, 2019 / 8:49 pm

      Hi Rachelle! Yes, that is correct πŸ™‚

  41. Cha H
    September 13, 2019 / 4:23 pm

    I try to use it in Puregold supermarket but they are the one who will scan the qr code and i need to generate it, in that case, i dont have any option for payment if gcash wallet or gcredit. I don’t know why.

    • Sheri
      October 22, 2019 / 10:25 pm

      There’s an option on the gcash app “Pay QR” and it will generate a QR code.

  42. Kel
    September 16, 2019 / 10:32 pm

    Hi if I didnt use my gcredit, Will it still impose interest rate?

    • September 18, 2019 / 11:11 am

      Hi Kel! There will be no interest if you didn’t use it πŸ™‚

  43. Anna
    September 28, 2019 / 7:45 pm

    Hello. Can I use gcredit even if I dont have balance in my gcash account? Thank you 😊

    • October 3, 2019 / 9:37 pm

      Yes, you can πŸ™‚ Just as long you see a “limit” in GCREDIT. That’s your credit limit πŸ™‚

      • Cal
        October 17, 2019 / 10:51 am

        I’ve been trying to search Wats the GCredit score to have 30000 limit?

        and fastest way to build score?

        • October 17, 2019 / 11:22 am

          I think it’s really when you use the app a lot πŸ™‚

  44. Gen
    October 7, 2019 / 9:09 pm

    Hi maam, pwd ko po ba magamit yung gcredit ko pan purchase ng product sa lazada?? Pakisagot po, thanks…

  45. Herbelen Ancheta
    October 10, 2019 / 8:33 pm

    paglate ba ko ng bayad kahit isang araw babalik din ba yung gcredit limit ko..?? nalate kasi yung padala..

  46. Dain
    October 12, 2019 / 3:38 pm

    Good day, I kind a late for 1 day but I process my payment for the whole amount of my bill. Credit limit already back into line but when I tried to make purchase and used gcredit it is already unavailable and use another payment method. Help me understand what’s happening po. I tried to call csr but they just told me that they will create a ticket but days already passed by, it still not fix.

    • October 17, 2019 / 11:41 am

      I’m not sure what happened. They may have locked your account for not paying on time. But once you pay, it should be up and running again πŸ™‚

  47. Ray
    October 17, 2019 / 11:13 pm

    How do I increase my credit limit? And for example, when I reach the 30,000 credit limit, does it work like credit cards regarding payment installments?

    • October 18, 2019 / 12:43 pm

      Hi Ray! Just use the app often. This will increase it. Saving also in GSave and GInvest help. The Gcredit works like a credit card so if you reach a Php 30K limit, it will still work but only to the extent of your limit. Can’t be na beyond that.

      • Ray
        October 18, 2019 / 1:17 pm

        Thanks! You’ve been very helpful!

  48. Hyziel
    October 21, 2019 / 6:02 am

    I tried my gcredit when I bought a coffee but it wasn’t says I don’t have enough balance but I still have 1000 credit limit..can u help me how to use it?

  49. Rob Sagun
    October 21, 2019 / 8:53 am

    Hi, just wanna ask how long will the gscore increases? I have already transactions about 5k and hindi po nagrereflect on the gscore πŸ™ hope to get an idea.. thank you πŸ’™

  50. Michelle luna
    October 21, 2019 / 3:36 pm

    How can i buy load using my gcredit limit?

  51. Cindy
    November 5, 2019 / 5:08 pm

    Hi, i paid my bill before the due date and my credit limit is already back in line. Can i use it already even if it is not yet my due date? When will they refresh my billing date? thank you

    • November 5, 2019 / 6:15 pm

      Yes, you can uses it once your credit is back πŸ™‚

  52. joever M Padron
    December 12, 2019 / 2:42 pm

    Hi. Pwede ba magcash in sa gcash using gcredit? Thanks

    • December 13, 2019 / 10:39 am

      Hi Joever! πŸ™‚ What do you mean Cash in po using Gcredit? πŸ™‚

  53. Rie Velasquez
    January 4, 2020 / 12:17 pm

    Can we use gcredit to buy load?

    • January 4, 2020 / 3:53 pm

      Hi Rie! πŸ™‚ You cannot πŸ™‚ You can only use the money in your GCASH wallet πŸ™‚

  54. cresille anne
    February 5, 2020 / 12:51 am

    good morning, ask ko lng po ngbyad ako s 7/11 pra s gcredit kasi di ako makapasok s gcash [gcredit ] app pra magbyad . sa fuselending ako ngbyad . pero bakit kinaltas parin s gcash account ko? na double na yung bayad ko. pls help. mababalik pa kaya yun?

  55. February 6, 2020 / 10:57 pm

    Hi Ginger, bakit yung gcredit ko insufficient fund kahit may 3000 credit balance pa ako. Ano kayang gawinko para di sya magsabi ng insufficient which is not true as i have still a credit balance of 3k remaining. Pls help me. pls send your reply to my mobile 09956754107.


  56. Jeff
    April 30, 2020 / 7:45 am

    Hi. Can you pay your GCredit on an installment basis? I mean if you have like 2000K Limit, then used 1500. Can you pay 500 now then after a week or two another 500? Thank you!

  57. Karen
    August 22, 2020 / 3:01 am

    Hi. Medyo nalilito po ako sa interest rate. Kunwari naconsume ko ung 3k limit ko in a month and ang due date ko is September 20. 3k din po ba babayaran ko sa September 20 or may additional na interest na po agad? O saka lang po magkaka-interest kung September 21 na ako makakabayad? Please enlighten me po. Thank you.

    • August 28, 2020 / 1:02 pm

      Hi Karen! πŸ™‚ The 3K that you consumed will have interest na πŸ™‚ Really works like a credit card na when you pay on the due date, it’s the base amount plus interest πŸ™‚

  58. August 28, 2020 / 12:54 pm

    ginger, do you know how does gcredit count one day regarding the interest kicking in? is it strict that the transaction should be 24 hours long of not being paid back for the interest to take effect, or it does not matter, when the day change to the next day even if it’s just a few hours away there is already an interest?

    in my experience in testing gcredit regarding incurring interest, it’s the latter…the change to the next day regardless if it took 24 hours or not. when i tried to pay back a transaction with in a few hours of the same day there is no interest, but with a transaction that is below 24 hours old but has crossed to the next day and been paid back there is an interest that showed up on the monthly statement.

    how about you?

    • August 28, 2020 / 1:00 pm

      Hi Carl! The computation is prolly based on the date since “maybe” the algorithm for their application uses the date. So if you borrow at 9pm today and pay it back 1:00 am tomorrow, they use the date instead of the duration so that’s plus one day already πŸ™‚

  59. KC Serrano
    September 2, 2020 / 8:21 am

    hello, ask ko lang, after due date, kung wala naman akong outstanding balance s gcredit eh pwede b agad ulit magrequest ng new credit immediately????

  60. mcsentoy
    September 21, 2020 / 4:23 pm

    Maybe this is unrelated only if you have an idea on how it works, paano if ako yung merchant then mag babayad sila sakin using Gcredit, will i receive it as an additional balance to my wallet. Planning kasi ako kumuha ng qr.

  61. eson aguilar
    September 29, 2020 / 10:54 pm

    pwede po ba gamitin ang gcredit for online shopping? if so, how po? is this kind of payment scheme already applied to major players like lazada and shopee? thanks po πŸ™‚

  62. December 9, 2020 / 6:15 pm

    Nid PO b I consume lht Ng credit balance? Or ung amount Ng naconsume lng bbyran?

  63. angelina
    January 18, 2021 / 2:05 pm

    hello Ms. Ginger!
    I just want to know if I can use Gcredit in oaying my grocery eventhough I dont have big amount of money on my gcash wallet. ?

    Thanks for the time

    • January 18, 2021 / 2:23 pm

      Hi Angelina! Yes, just as long as your GCredit limit can accommodate πŸ™‚

  64. Len
    February 7, 2021 / 2:32 pm

    Ask ko lang po, nag bayad na po kase ako sa gcredit kahapon kahit hindi ko pa due, tapos ginamit ko ulit yung gcredit ko kahapon din ano po yun need ko na sya bayaran ngayon due date ko or reset po ulit yun?

  65. Jhoi
    July 4, 2021 / 9:29 pm

    Tanong kulang po,, dati po nagagamit ko ang gcredit ko,, bigla nlang hindi pwedi,, anopo kaya pwedi gawin,, tanong lang po salamat po

    • July 7, 2021 / 6:56 am

      It might be na bumaba ang credit score mo? It might be best to contact GCASH to know exactly what happened πŸ™‚

  66. Jhoii
    July 7, 2021 / 7:11 am

    Hindi nman po bumaba mam meron papo ako gcredit n ayaw lang po,, saan puba pwedi tumawag at mgtnong po mam salamat po sa pasagot

    • July 7, 2021 / 7:43 am

      Just go to then they have a Help Center there. You can submit a new ticket πŸ™‚

  67. Apple Romano
    July 7, 2021 / 9:06 pm

    My gcredit po ako n 3000 triny ko xa s 7/11 at mercury drug pero ayaw po bakit gnun

  68. July 7, 2021 / 9:07 pm

    Bakit po dko mgamit gcredit ko n 3000 triny ko s 7/11 at mercury drugs ayaw po

    • July 8, 2021 / 7:47 am

      I’m not sure πŸ™ Maybe you can check with GCASH. They have a help center po πŸ™‚

      • February 18, 2022 / 6:53 pm

        Have one question about GCredit, out of curiousness lang I tried to apply for GCredit then it was quickly approved in seconds. Now, I don’t have plan to use it in unnecessary things namn, worry lang ako kase hindi ko sya gagalawin pero “Do I still get charged and need to pay the interest after a month? Sorry for those who found this irritating question, I’m just being careful. Thank you for the respect.

        • February 19, 2022 / 7:36 am

          If you don’t use naman for any purchases, there is nothing to pay for πŸ™‚ It basically works like a credit line… the amount there is how much you can use then pay mo lang πŸ™‚

          • February 19, 2022 / 8:41 am

            Thank you Ms.Ginger. It helps me enlightened.😊

  69. Jersey
    February 8, 2023 / 9:30 am

    Pag magbayad ba ko Gcredit, mgkakaooffer ulit ako? Revolving credit po ba sya?

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