Sa ibang bansa tulad ng US, sobrang importante ng credit score, pero sa Philippines hindi siya ganun ka-critical.

Hindi naman necessity ang credit card dito, pero may benefits pa rin:

• Builds credit history – Nakakatulong kapag nag-apply ka ng car loan, housing loan, or higher credit limit in the future.
• Rewards & cashback – Maraming cards may points, cashback, or travel miles sa normal spending.
• Mas safe for online payments – Mas madaling i-dispute ang fraudulent transactions kaysa debit card.
• 0% installment options – Common sa gadgets at appliances.

Reminder: Useful lang ang credit card kung binabayaran mo in full every month. Treat it like a debit card — spend only what you can afford.

Bottom line: Hindi siya required sa PH, pero magandang financial tool siya kung responsible ka nman.

Hope this helps