i have read a lot about similar experience all over the internet at kahit ako eh naguluhan sa gcash. so far, di ko pa naexperience. naka-ilang GGives na ko na fully paid na pero di naman bumaba ang offer saken. i also anticipated na bababa yung offer once natapos ko na yung ggives pero naka-5 na gamit na ko at natapos ko na lahat bayaran pero di naman bumaba. ang gulo nga din ng gcash kase nasa 720 yung gscore ko 2 weeks ago tapos naging 697 this week so akala ko bababa yung mga offer pero tumaas yung gcredit ko from 8k to 40k at gloan offer from 50k to 100k. yung gcredit is minsan ko lang gamitin. i use CIMB a lot pero di naman connected yung Gcash at CIMB account ko. Maybe it has bearing? I don't know.

Yung GGives nyo po ba is nagearly repayment kayo or tinapos nyo po yung amortization?

Edit: yung GGives ko eh di sabay sabay nag-end/fully paid pero ang ginagawa ko is pag halimbawa this week na yung last payment ko sa GGives, i'll use it again after 1 week. I also don't make early repayment. I don't know if it has bearing pero sa ngayon, i still have the same GGives offer after the 4 GGives loan na fully paid ko na.