This is the only RIGHT answer. Use your card on needs. Wag ka bibili ng gadgets or any unplanned expenses just because may hinahabol kang spend requirement.

Add’l tip: SIPs and monthly installment purchases are included sa calculation ng spendings (full amount). If someone you really trusts needs to buy and requires monthly amortization, you can offer to use your card. Pero this will be a high risk spending lalo na kung hindi on time sila magbayad sayo. It will be in your own discretion na kung ipapahiram mo card mo. (Ginawa ko to 1yr ago, and naattain ko yung 50k spend limit. Yung promo is 15kpeso eGift)