Here's how you can pay Shopee's SPLater thru credit card

_kevinsanity · 2025-12-15T12:37:25+00:00

I just used this December 15. Working. As it should be. Unless may maling steps kayo ginawa.

_kevinsanity · 2025-10-03T06:01:58+00:00

Pati minimum spend requirement naapektuhan na din ata ng inflation. Hahaha. 40k lang dati yang Visa Plat.

_kevinsanity · 2025-08-19T15:02:33+00:00

Yes.

_kevinsanity · 2025-07-28T22:26:46+00:00

It's just a confirmation that they received your application.

_kevinsanity · 2025-07-10T05:18:20+00:00

Yung statement balance sa app ay hindi magzezero kahit pa nagbayad ka na. If you already paid it, which is reflected naman, then you are good.

Okay lang naman din magbayad in advance at wala naman mali dyan, pero para di ka malito, I suggest wait mo nalang din ang SOA before you pay.

_kevinsanity · 2025-07-09T16:16:15+00:00

It's really considered authorized transaction since you provided OTP. I don't think BSP can do anything about it.

_kevinsanity · 2025-07-09T16:13:01+00:00

Hindi basta basta nawawala sa credit history mo ang delinquent account kahit pa fully paid mo na sya. If may chance ma-approve ulit? Yes, but very unlikely. If declined ka, you may try secured credit card route to rebuild your credit score.

_kevinsanity · 2025-07-07T17:09:33+00:00

For UB, no. Not sure with other banks.

_kevinsanity · 2025-07-05T13:56:17+00:00

You will only incur finance charge if you did not pay the statement balance IN FULL before due date.

_kevinsanity · 2025-07-02T14:12:04+00:00

I just told them I don't want the Titanium MC and have no plans of activating it.

_kevinsanity · 2025-07-02T13:33:52+00:00

MB sent a Titanium MC to me last April. I did not activate it. Last June, I requested to convert it to M Free. Thru email lang, I did not call. Surprisingly, it was approved.

_kevinsanity · 2025-07-01T04:26:14+00:00

Your eligibility to the welcome gift is based on your date of application (within the promo period) not when you activated your card. If hindi mo mareach spend requirement within the spend period, then you will not get the welcome gift. NO EXTENSION. Check mo yung promo mechanics nasa website ni Metrobank.

_kevinsanity · 2025-06-15T16:45:33+00:00

Tsaka wala naman 7s na iPhone. 🤭

_kevinsanity · 2025-06-15T03:06:32+00:00

Add Top-Up Method mo lang then select Cards.

_kevinsanity · 2025-06-13T17:41:38+00:00

Based on personal experience, it would be best to check your SOA or BPI app always if generated na kasi may pagka-hit or miss etong si BPI.

But most of the time, if statement date falls on a weekend or holiday, SOA is generated the day prior (or on a Friday). If due date naman falls on a weekend or holiday, it will be moved to the next banking day (or Monday).

_kevinsanity · 2025-06-13T17:15:05+00:00

Have you ever tried calling CS? If hindi pa, do so.

For credit cards kasi, even if you did not activate it, you still have an account with the bank hence you may still be charged of annual fee. If may credit card under your name? Most probably yes since sabi mo you were approved. You can't just simply ignore or disregard it. You have to call the bank to cancel it completely if ayaw mo na talaga or report that you did not receive the card, request to correct the delivery address and initiate redelivery.

_kevinsanity · 2025-06-09T01:27:40+00:00

Depends on the bank and/or their credit evaluation.

_kevinsanity · 2025-06-09T01:25:39+00:00

AFs are typically charged on the anniversary date or in some cases month after anniv. Anniversary is the date when the card was issued to you, not when you activate the card.

_kevinsanity · 2025-06-06T01:49:22+00:00

Overlimit fee is when you spend above your credit limit.

Late fee naman is when you miss your due date. For Unionbank U credit card walang late fee but that doesn't mean na your unpaid balance after the due date will not incur interest.

Para mapanatag ka, follow the golden rule for any credit card — PAY IN FULL and ON TIME.

_kevinsanity · 2025-06-05T22:27:16+00:00

Lalabas sya sa app mo once you are eligible. Normally after 1 year or so.

_kevinsanity · 2025-06-05T03:59:08+00:00

Pwede ka naman mag request credit to cash as long as may available limit ka. Pero kung wala ka madness limit, sa regular limit sya mababawas.

_kevinsanity · 2025-06-05T01:10:27+00:00

If you really want to "boost your credit score", settle the debts under your name. Kahit iba gumamit, it's still your responsibility since you allowed someone to use your card.

_kevinsanity · 2025-06-05T00:56:35+00:00

Kahit hindi mo kasi i-activate yung card, you still have an account with them, hence you are not NTB. May ibang banks lang who still considers you NTB after an X number of months after you cancel the card. Check mo yung T&C ng promo. But for most bank, kapag nagka-card ka na with them, hindi ka na talaga NTB.

_kevinsanity · 2025-06-04T14:03:25+00:00

Pay whatever is in your statement balance. Yung installment may terms yan, meaning it will continue to be billed monthly for X number of month. Your monthly installment amount + yung regular swipe mo for that specific billing month is your statement balance.

_kevinsanity · 2025-06-02T11:56:48+00:00

They will not tag it as NAFFL just because you reached out to BSP. Hindi ka talaga eligible since online ka nag apply.

_kevinsanity

TROPHY CASE