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How To Improve Credit Score With Credit Cards

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*Article contributed by Sarah Williams.

If your credit score is low, there are various ways to bring it up. You can even increase it to 100 points quickly, depending on several factors. Here are some strategies that you can try with the use of your credit cards: 

Ask for a Higher Credit Limit 

Whenever your credit limit increases but your balance remains, it will lower down your overall credit utilization. As such, it is best to call your credit card issuer. Call the companies to ask for the best credit card to build credit. Ask them if you can get a higher credit limit. Indeed, this will temporarily drop your score for a few points. 

Make Frequent Payments 

Making small frequent payments with your credit card can help you increase your credit score. This is called micropayments and it can keep your credit card balances down if you do the payment throughout the month. Consider your credit card as a debit card in which you must pay online the moment that you see that the purchase is posted. 

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How to Pay Bills Online Using GCash

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Tagalog Version (Click Here)

With the Covid-19 pandemic spreading and with most places in the Philippines going under enhanced community quarantine, going out to pay your bills has gotten much riskier.

There’s a way to make things easier and safer though, and that is by learning how to pay bills online! From the comfort of your own home, you can pay your water, electricity, and other utility and government bills on your smartphone through GCash. If you already registered for an account (read our guide for that here on this link), then here’s a short guide about how you can pay bills there.

First off, make sure to deposit (“cash-in”) enough money in your GCash account. Just use the nearest TouchPay machine, accredited GCash partner, or link your BPI or Unionbank account to deposit funds. Once you’ve added enough, here’s how to pay your bills on the app.

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Factors to Consider Before Hiring a Credit Card Settlement Company

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*Article contributed by Sarah Williams.

Credit card settlement has become popular among people who want to get out of debt. However, the success of a debt settlement is always determined by the kind of company that one hires. In that case, it is vital to note that choosing a particular organization will require thorough research and careful consideration.

Before you opt for a particular credit card settlement company, consider various factors if you want a sound settlement experience. Things to consider will include the following.

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Pawn shops: How to get the best deal

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*Article contributed by Кириченко Степан.

Pawn shop in the Philippines provide a variety of services – from issuing secured loans to accepting payments and money transfers. Pawnshops are especially common in rural areas.

Why are these services so popular?

Firstly, they do not require confirmation of your solvency, which simplifies the procedure for issuing a loan. In order to receive money on bail, you only need an identity document and the pawn.

Secondly, today the list of things that take as collateral is very long:

  • Cars and motorbikes
  • Appliances and cameras
  • Gadgets
  • Smartphones
  • Gold, silver, diamonds
  • Clock.

Thirdly, there are pawnshops that accept online loan applications. The principle of operation of such services is as follows:

1.   On the site you get acquainted with the terms of the loan and the preliminary cost of pawns.

2.   If you accepted our offer, you should choose a receipt schedule so that courier could go to your address to pick up your pawn and deliver it to the office to evaluate it.

3.   After a few hours, you can cash them out with a free credit card that the courier brought.

How to get the best deal among a huge number of pawnshops?

Indeed, every day a new company may appear on the online services market with a profitable offer, which will be difficult to find out, since the office of the new company may be far from your place of residence. UpFinance service will come to your aid! Here you can find relevant information about pawnshops and their contacts. You can compare all offers and choose the right pawnshop near you with the best conditions.

*Article contributed by Кириченко Степан.

How to use GCash: How to register and link accounts

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Disclaimer: This is NOT a promoted or paid post. A few people asked me how they can pay for stuff online but they didn’t have a debit or credit card, so I did some research and found out about GCash. I decided to try it myself and write about it here.

Tagalog Version (Click Here)

I don’t know about you, but I hate waiting in line. If I need to pay bills or send money, I have to walk all the way to a Bayad Center branch or a service provider’s store, grab a form and write on it, and spend a long time waiting behind a dozen or so people all paying their bills and stuff. When I need to buy some prepaid load, I have to look for a shop that sells it, pay for the load PLUS a small fee. It’s really such a hassle.

Thankfully, there’s an easier and FASTER way to do all that. No need to wait in line. If I need to pay bills, buy load, or send money, I can do it at home or while I’m sitting around in a coffee shop reading. Ever since I started my GCash account, I used it to pay our family’s bills, my SSS contributions, and buy prepaid load. Since there’s usually no line at the TouchPay machine, I just add money to my GCash account whenever I need to pay for something later on.

If you want to pay bills, send and receive money, buy load, shop online, and do a lot of other stuff from the comfort of your own home using just your smartphone or tablet, then read this guide to learn how to use GCash!

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