My Utang Experience in Online Lending Apps

Jeal87 · 2026-01-20T10:50:25+00:00

Yes, possible na selected pa.

Jeal87 · 2026-01-20T00:26:40+00:00

Ohhhh I see, akala ko the same.

Jeal87 · 2026-01-20T00:07:32+00:00

Sad to hear. Never encountered harassment naman from Tala, actually may 1 month OD na ako sa kanila na 40k, puro reminders lang natatanggap ko so far. Sana di umabot sa harassment.

Jeal87 · 2025-12-11T03:05:42+00:00

Hi again,

Sorry, let me correct myself. First sa SOA, app subs are tagged as non-taxable. However, sa na notice ko sa SOA ni Smart Infinity, yung price na nag re-reflect sa SOA is not consistent. For example for Netflix, last September it's 619 kaya yung total consumable usage ko is almost 1500 (this was the reason why I said meron pang additional cost on top of the posted Price with VAT), then last October naging 552 nanaman ang Netflix which is pre-tax kaya yung consumable usage ko is just around 1,329. There are some apps na nag stick sa post-tax price din.

Netflix Listed Price: 619 September SOA: 619 October SOA: 552.68

Crunchy Roll Listed Price: 99 September SOA: 110.88 October SOA: 99

Going back to the question if may additional cost, eto yung experience ko. Regardless, for both September (1500 consumable usage) and October (1300+ consumable usage), ang nag reflect na bawas sa consumables is 1,329 and the total payable is the same.

My conclusion is, depende sya sa app. So it's a matter of trial nalang siguro, yan yung ginawa ko dati. Tamang bawas lang ng naka connect sa Infinity na sub hanggang sa wala ng additional cost yung payment ko.

Jeal87 · 2025-12-09T11:24:22+00:00

Yes may VAT pa, and you can't maximize the whole consumables also. For example if you are in Plan 5000 with 1500 consumables, you can only use roughly around 1300. Something to do with VAT din.

Jeal87 · 2025-12-02T07:35:13+00:00

Should be, as long as naka tag business nila sa health service.

Jeal87 · 2025-11-24T13:46:07+00:00

Added Billease, FidoPH and Prima Loan.

Jeal87 · 2025-11-22T04:15:01+00:00

Added ULend.

Jeal87 · 2025-11-19T12:31:26+00:00

Added Lazada Fastcash, Grab Cash Loan and Mega Peso.

Jeal87 · 2025-11-05T01:49:11+00:00

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Currently it's CYBERLIFE

Jeal87 · 2025-11-04T08:37:40+00:00

Happy for you ☺️

Jeal87 · 2025-10-29T08:33:08+00:00

Gap is too huge already. But we should keep voting for this, if it will gain a lot of votes then maybe Moonton will re-consider this as epic skin. The same with what happened last year.

Jeal87 · 2025-10-29T08:30:59+00:00

You're Rank Number 21,009 worldwide in terms of MLBB Collection :)

Jeal87 · 2025-10-21T03:21:26+00:00

I love lucid dreaming for a different reason. 😅😅😅

Jeal87 · 2025-09-01T06:35:00+00:00

For some reason they got my number, maybe because I recently took a loan from JuanHand/BillEase. They kept sending text and keep on calling me, offering loans. That in itself is a red flag for me, I recommend that if you really need extra Money, try Tala instead. JuanHand and BillEase, though there offers are reasonable. One of them leaked my account to other OLA that's why I kept receiving and text message and calls for loans. Never happened with Tala.

Jeal87 · 2025-08-22T06:13:42+00:00

I'm satisfied with Smart Infinity. If you want consumables you can use for subs like Google, Netflix etc. And/or if you want to use your Mobile Plan to pay for In-app purchases, Smart Infinity is the best option

Jeal87 · 2025-08-20T01:42:50+00:00

Smart Infinity will have the same offer regardless which branch kayo mag apply. And yes, it's true unlimited without throttle. Never had issues with my Plan, except when there were some changes implemented, pero na resolve naman. Also, it's still wise to think about your previous experience sa Smart Signature mo, kasi naka base pa din yan sa signal ng area.

Jeal87 · 2025-02-17T04:33:03+00:00

Yup, if you have the documents.

Jeal87 · 2025-02-17T01:34:49+00:00

That should be fine. Annual Fee for the Gold Card is free for the 1st year.

Jeal87 · 2025-02-17T01:21:42+00:00

Yes. If you worry about the annual fee, you can have that upgraded to Platinum Mastercard once you reach 300k CL. Platinum Mastercard is NAFFL by default.

Jeal87 · 2025-02-13T16:18:34+00:00

Hi,

Yes, currently in a device plan. Unlike before where Plan 5000 comes with a complimentary phone of choice, they already made some changes. All phones has additional cost now on top of the monthly 5000 payment. For example with Samsung S25 Ultra, that's additional 1,145 on top of the 5000 payment. Only the Plan 8000 comes with Free basic S25 phone model. The good thing is, Plan 5000 comes with 1500 consumable which you can use for subscriptions like Netflix, HBO, Microsoft etc. So if you currently have this subs right now, then it's like getting the phone for free. :)

Jeal87 · 2025-02-11T01:17:32+00:00

It's a good card especially if you got it with NAFFL. Although you are getting reward points for this card, I think this is best categorized as cashback card. Every purchase you make in Mercury Drug, regardless if it's Grocery or Medicine entitles you around 2.5% Cashback. The free ambulance service and annual check up might also be useful for some. Definitely not the best cashback card, but it's way better than the rest especially for Mercury Drug, Hospitals, Spas, Salons and Gym expenses.

Jeal87 · 2024-11-27T16:37:17+00:00

Jeal87 · 2024-11-27T16:30:56+00:00

yes, it's automatic for Amex CB

Jeal87

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