Home Credit Card
Your Diskarte Partner

Mas rewarding na ang everyday purchases mo with your
​Home Credit Card!​

Mas rewarding na ang everyday purchases mo with your ​Home Credit Card!​

No additional fees for bills payment!

Zero fees kapag nagbayad ka ng bills for utilities, atbp. gamit ang My Home Credit App.

Zero fees kapag nagbayad ka ng bills for utilities, atbp. gamit ang My Home Credit App.

Get 5% discount when buying load

Mas convenient na rin magbayad ng bills at mag shopping with QR gamit ang My Home Credit App.

Mas convenient na rin magbayad ng bills at mag shopping with QR gamit ang My Home Credit App.

Enjoy up to 45 days - interest free

Bukod sa 30-day billing period, may palugit na 15 days before payment due date.

Bukod sa 30-day billing period, may palugit na 15 days before payment due date.

May Home Credit Card ka na diskarte partner mo araw-araw!

May Home Credit Card ka na
diskarte partner mo araw-araw!

Saan pwedeng gamitin ang card?

Saan pwedeng gamitin ang card?

Grocery

Drug Store

Online

Mall

Restaurant

Fuel

Food Delivery

Book Tickets

​Manage your card with just a tap in My Home Credit App

​Manage your card with just a tap in My
Home Credit App

Check balances & transactions real-time

Help Center

Pay Bills and Buy Load

HC PAY QR

3 easy steps to avail a Home Credit Card

3 easy steps to avail a Home Credit Card

You can apply for a Home Credit Card when you avail of a commodity loan or any product from Home Credit.
Just make sure that you keep your account updated and in good standing to receive an offer!

You can apply for a Home Credit Card when you avail of a commodity loan or any product from Home Credit.
Just make sure that you keep your account updated and in good standing to receive an offer!

Our Telesales Agent will call you when you’re eligible for a Home Credit Card. You can also receive an SMS, email, or push notification.

Use the Store Locator below and select a Home Credit partner store near you.

Visit your selected partner store and show your Offer ID to our Sales Associate to proceed with your credit card application.

*Applications are subject to approval

Store Locator

Reminder : Please check mall operating hours before proceeding to the store.

More ways to enjoy your card?

More ways to enjoy your card?

Card Protection

If your card gets lost or stolen, you don’t have to worry about any unauthorized transactions. Your family is also protected in case of unforeseen death or accident.

Learn More

Find out more information about our credit card details by exploring these documents.

Learn More

Find out more information about our credit card details by exploring these documents.

Credit Card Terms and Conditions

Credit Card Terms and Conditions

Dispute Form

Dispute Form

Credit Card Rebate Terms & Conditions

Credit Card Rebate Terms & Conditions

Frequently Asked Questions

Frequently Asked Questions

A. Application

How can I be eligible for a credit card?

There are 2 options:
  1. When you’re an existing or previous Home Credit customer: We will notify you via SMS, call, email, or thru the My Home Credit App if you are eligible for a Home Credit Card.
  2. When you avail of a Commodity Loan, you can also get a Home Credit Card offer. Note: Applications are subject for approval
Just visit our partner store and present two valid IDs to our Sales Associate:
  • 1 Government-issued ID
  • 1 ID with your address

How will I know the status of my application?

You will be notified via SMS. Approval can be as fast as 1 minute!

B. Card Delivery

How soon will I get my credit card?

Your credit card will be delivered to your delivery address within 5 working days if the address is within Metro Manila, or 10 working days for provincial areas. You will receive an SMS notification once your card is ready for delivery.

What are the requirements when receiving the card?

You just need to present a valid ID to our delivery personnel. Here's a list of acceptable IDs:
  • Driver’s License
  • Employer/Company ID
  • GSIS
  • NBI Clearance
  • Pag-ibig
  • Passport
  • Philhealth
  • Police Clearance
  • Postal ID
  • Professional Regulations Commission or PRC ID
  • School ID
  • Senior Citizen Card
  • SSS
  • UMID
  • Voter’s ID

How do I update the delivery address?

To request for an address change, call our customer service at:
  • Globe: (02) 7-753-5711
  • Smart/PLDT: (02) 8-424-6611

What if my address is outside the courier’s delivery area?

You will receive an SMS from us if you need to claim your credit card from the courier office nearest you.

Can the card be delivered on a weekend or a holiday?

Credit cards can be delivered from Monday to Saturday and on holidays.

How many times can a card be delivered if first attempt was unsuccessful?

We can try to deliver it up to three times. If delivery is still unsuccessful, you may get in touch with customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to request for redelivery.

Can I assign a representative to receive my card if I am unavailable?

Yes, you can. Your representative just needs to present a valid ID and the delivery tracking number to our delivery personnel.

I still have not received my credit card. Are there other delivery options available?

The card can be claimed from our designated courier office. We will send you an SMS to let you know when to pick up the card and some other details.

While waiting for my card delivery, can I already use my credit card?

Yes, you can already use your Home Credit Card via the My Home Credit app as you wait for the physical card. You can start buying prepaid load at 5% discount, have QR or cashless transactions at our partner merchants, and even pay your utility bills at over 200 billers at no additional fees.

C. Activation and PIN

How do I activate my credit card?

There are two ways to activate your credit card:
  1. For Android mobile phone users, you can easily activate your card by clicking the "Activate Now" button on the My Home Credit app's home screen and follow the on-screen instructions. You can download the latest My Home Credit app at the Google Play Store for free at https://goo.gl/3zhHsU
  2. For iPhone users, please call our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.
In both instances, make sure that you have your physical card with you and the mobile number you provided during card application. Once card is activated, you will receive an SMS from Home Credit to inform you that your card has been activated.

What if I reached the maximum attempts at entering the last 4 digits of the card?

There is a maximum of 3 attempts only at entering the last 4 digits of the card. If you have reached this, you have to contact our customer service hotline Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 for assistance.

I cannot proceed with the activation due to incorrect mobile number, what should I do?

Please contact our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to update your mobile number.

I did not receive my OTP during card activation, what should I do?

Just click "Resend OTP" to receive a new OTP and key in the numbers correctly.

What will I do if I inputted a wrong set of OTP during card activation?

Just click "Resend OTP" to receive a new OTP and key in the numbers correctly.

My OTP for card activation expired, what should I do?

Just click "Resend OTP" to receive a new OTP. It will expire in 5 minutes.

I tried activating my card, however, there was an error message that I have an overdue balance with my other loans, what should I do?

You need to settle your payments to update your account. To view the list of our payment partners, please click here. Once settled, you may activate your card.

If I applied for the card together with the commodity loan, what will happen to my commodity loan if I did not activate the card?

You still need to pay your commodity loan through the standard payment channels on or before the due date even if the card is inactive.

If I have an existing commodity loan when I got the card, what should I do if I still cannot activate my card after my payment?

Please contact our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to check if your payment was posted to your account. If yes, try activating your card again in the My Home Credit App or thru our customer service.

How can I set up my PIN via My Home Credit App?

You may set up your PIN either via the "Manage Card" option in your My Home Credit App or by calling our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611. For your account safety and security, your four digit PIN cannot be consecutive numbers (ex. 1234) or repeating numbers (ex. 0000).

You will receive an SMS from Home Credit if you have successfully set up your PIN.

Where do I use my PIN?

Some payment terminals may require you to enter your PIN. You will also be required to enter your PIN for cash withdrawals from an ATM.

The PIN I re-entered is incorrect, what should I do?

You may go back and just create a new PIN.

What should I do if I have forgotten my PIN?

You can change your PIN in the "Manage Card" option in your My Home Credit App. For iPhone users, you can call our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to help you set up a new PIN.

What does "Reached Maximum Attempts for Entering OTP" mean?

Entering the OTP sent via SMS through your mobile number has a maximum of 3 attempts only. Kindly wait five (5) minutes, before trying to request for your OTP again.

D. Usage of Card

Where can I use my Home Credit Card?

You can use your card in any Visa-affiliated merchants such as supermarkets, department stores, restaurants, drugstores, gas stations, and even online: food delivery, bookings, subscriptions and in ride-sharing apps. You can shop and pay anytime, anywhere.

You can also pay using QR, buy load credits from any mobile network or prepaid utility service or pay bills at over 200+ billers nationwide using the My Home Credit App.

Is there a fee if I use the card?

Yes, there is a minimal monthly membership fee depending on your product package. The applicable amount will not be charged until your first transaction. For the updated table of fees and charges, you may refer to your Monthly Billing Statement.

What if my card is not being accepted at a particular establishment?

Make sure that the merchant accepts Visa credit card as a mode of payment.
If the merchant refuses to process your transaction, you may get in touch with our customer service to report the incident. Just provide the following details to us so we can look into it:
  • Store name
  • Mall/Branch
  • Date and time of purchase attempt

How do I go about a terminal issue when using my card?

You can do any of the following:
  • Tell the cashier not to skip the PIN so you can key in your PIN
  • Tap your card to pay
  • Try another Point-of-Sale (POS) terminal in the store
Otherwise, you may get in touch with our customer service to report the incident. Just provide the following details to us so we can look into it:
  • Store name
  • Mall/Branch
  • Date and time of purchase attempt

What are the possible reasons why my retail transaction got declined?

Declined transactions may be due to various reasons:
  • There may be a technical issue with the terminal where your Home Credit Card was used.
  • You may have entered an incorrect PIN.
  • You may not have enough available balance.
  • Your card may be blocked due to an unpaid balance or potential fraud.
You may ask the cashier to re-try processing the payment and advise not to skip the PIN, as verification. If your transaction gets declined again, please contact our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.

My purchase was deducted to my available credit limit but it did not show on my account. When will my transaction reflect on my account?

Posting of transactions may take 2-8 working days before it reflects on your account.

E. Card Replacement and Card Renewal

What to do if my credit card was damaged?

You may get in touch with our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 and request for a card replacement. We will replace your card and it will have a new card number. There is a card replacement fee of Php 250 which will be charged on your next billing statement.

What is the validity of my credit card?

Your credit card is valid for 4 years from the month it was issued. You may see this detail at the front of your card, having this format MM/YY. The month and the year indicated means your card is valid until the last day of that month and year.

My card is about to expire. Do I need to request for a new one?

No, we will send you a card replacement two months before your card expires, so there is no need to request for a new one.

Do I need to get the new card activated and set a new PIN?

Yes, the new card is delivered inactive for your security. You may activate it and set up your PIN via the My Home Credit App or by calling our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.

How long does it take to get my replacement card?

Your replacement card will be delivered within 5-10 working days.

Can I opt out for auto card renewal?

Yes, you need to notify our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 at least 2 months before the card expires.

My card has expired. What should I do if my renewal card has not yet been delivered?

You may get in touch with our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to request for redelivery.

F. e-Statement

How and when do I get my e-statement?

Your billing statement is sent to your registered email address once a month. You will see there your card details, balances, limits and transaction history.

You will also see a detailed breakdown of the transactions on the PDF attached to the email. This file is password-protected for added security.

Alternatively, you can also download your billing statement on the My Home Credit app.

What should I do if I did not receive my e-statement?

You may view your billing statement in the My Home Credit App or check your "spam" mail folder. Otherwise, please get in touch with our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to check if you have the right email address on our record or if there is a need to update it.

I can see the Minimum Amount Due and Total Amount Due on my e-statement. How much should I actually pay for my credit card bill?

To avoid interest charges, we advise you to pay the Total Amount Due on or before your due date. That is the total amount charged to your credit card within the billing period.

You may also choose to pay only the Minimum Amount Due which is the minimum partial payment required to keep your card active and to avoid late payment fees but the remaining balance will incur interest charges.

What if I failed to settle my payment or have paid an amount less than the Minimum Amount Due?

There are fees that will be charged on the next billing statement such as interest charges and late payment fees. It is also possible that you will not be able to use your card temporarily or your credit limit may be decreased.

What is an interest charge?

If you do not pay the Total Amount Due on or before your due date, the remaining balance will be charged a 2.0% interest per month starting from the billing date.

This will be reflected on your next Monthly Billing Statement as "Interest Charges".

When is my payment due date?

Your payment due date is 15 calendar days after the billing date. For example, if the billing date was October 1, then your due date is on October 16.

What if the due date falls on either a weekend or a holiday?

If your due date falls on a weekend or a holiday, you may pay on the next working day.

Do I need to wait for the payment due date to make a payment?

You can always make a payment before your payment due date to avoid any late payment fees.

What are your fees and charges?

To check the updated table of fees and charges, you may refer to your Monthly Billing Statement.

What is a late payment fee?

If you are not able to pay at least the Minimum Amount Due on your Payment Due Date, a Late Payment Fee of PHP 500 or equivalent to the value of the unpaid minimum amount due, whichever is lower, is charged. Please make sure to monitor your due dates and maintain a good payment history.

What are the requirements in filing a dispute on my monthly billing statement?

  1. Just fill out the dispute form which can be found here.
  2. Attach the supporting documentation if required and/or attach a separate sheet if you need to describe the dispute in detail
  3. Send the Dispute Form via:
    Email - disputeresolution@homecredit.ph
    Mail - 11F Vertis North Corporate Center Tower 1, North Avenue, Barangay Bagong Pagasa 1, Quezon City, Philippines 1105

G. Payment

Where can I pay for my credit card bills?

To view the list of our payment partners, please click here.

Can I pay for my credit card bills online?

Yes, you can pay through our website or via My Home Credit App.
You may also pay online using these channels:
  • Bayad Center Online
  • BDO Online Banking
  • Coins.ph
  • GCash
  • Paymaya
  • RCBC Online Banking

How do I make a payment?

  • Pay using your 10 digit account number which can be found on your Home Credit Card right below your name.
  • Make it a habit to check your app to monitor your transactions and manage your expenses.
  • Keep a copy of your official receipt in case you need to report a missing payment.

When will my payment be posted on my account?

Your payment will be processed on the same day it was made. You will receive an SMS notification as soon as it is posted.

How soon will my available credit limit be adjusted after making a payment?

Your available credit limit will be adjusted as soon as your payment is posted to your account. You can check your available credit limit anytime via the My Home Credit App.

What should I do if my payment has not been posted on the due date?

You may get in touch with our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611. Please prepare the following information:
  • Correct Credit Card Account Number or where the payment should be posted in
  • Wrong Credit Card Account number or where the payment was mistakenly posted
  • Date of payment
  • Amount
  • Payment Channel or where the payment was made

I made an advance payment on my credit card. It reflected on the e-SOA but how do I check my remaining overpayment?

Your advance payment will be reflected as your payment on your next monthly billing statement.

H. Security

What to do in case my card gets lost or stolen?

You may temporarily block your card via the My Home Credit App or call customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 so we can block your card. Upon receiving your report, we will also arrange for a card replacement so you can have a new card with a new number.

Will I be notified every time I use my card?

Yes, you can monitor all your transactions and payments via the My Home Credit App or the SMS notification sent by Home Credit.

Will I get notified if my card is blocked?

Yes, you will receive an SMS from Home Credit when your card is temporarily or permanently blocked.

What are possible reasons for blocking a card?

We block the card if it has been reported lost or stolen, if there is an unauthorized transaction, or when the Minimum Amount Due is not paid.

My PIN is not being accepted when I key it in. Will my card be blocked?

Yes, it will be blocked after three failed attempts.

I. Cash Withdrawal

Where can I withdraw cash using my credit card?

You can make cash withdrawals in any ATM that accepts VISA cards.
Note: This is only applicable to cardholders with cash withdrawal limit.

What are the possible reasons why my ATM transaction got declined?

Your ATM transaction will be declined if there is not enough cash withdrawal limit or the ATM does not support VISA transactions.

How much can I withdraw using my credit card?

You may check your card carrier, monthly billing statement or the My Home Credit App for your cash withdrawal limit.

Is there a fee for cash withdrawal?

Yes, the cash withdrawal has a fixed fee of Php 200 per transaction.

Will my cash withdrawal transactions incur interest charges even if I pay it on or before the due date?

No, the interest will only be charged if it was not fully paid, starting on the day the withdrawal was made.

Is there a limit per billing period for making cash withdrawals?

You can withdraw any amount within your cash withdrawal limit. Just remember that there is a fee for every withdrawal made.

Can I withdraw more than my cash withdrawal limit?

No, the maximum cash withdrawal depends on your cash withdrawal limit. If this limit has been reached, you will not able to withdraw cash until your balance has been settled for the billing period.

Can I withdraw cash even if I have an outstanding balance?

Yes, cash withdrawal is allowed as long as at least the Minimum Amount Due (MAD) in your last billing statement is settled and there are no past dues.

J. Smile Rewards Program

How will I earn rebates?

You can earn rebates when you participate in campaigns and promos related to the use of the card. Eligibility, percentage, and amount of rebate may vary depending on the approved campaign mechanics. For more info, you can refer to the Credit Card Rebate (CCR) Terms and Conditions at https://homecredit.ph/files/Home-Credit-Card-Rebate-Termsand-Conditions.pdf

How can I claim my earned rebate?

Rebates earned are automatically credited to your account. There is no need to call the Customer Service hotline to claim your rebates. You will see the amount of rebates on the My Home Credit App or on your next eSOA.

Can I redeem my rebate in the form of cash?

No, earned rebates are not convertible to cash.

K. Installment

What happens to the commodity loan that I availed?

The commodity loan will be automatically charged to the card as an Installment plan.

How much is the interest for the commodity loan?

The interest calculation depends on how much the item costs, your down payment, and how long you wish to pay off the loaned amount. You will incur additional interest charges if the installment amount is not paid on the due date.

How do I convert my purchases to installment?

Installment Plan is temporarily unavailable effective November 3, 2020 until further notice.

Can I convert my straight purchases to installment?

No, due to the 2% monthly interest rate mandated by the BSP, Installment Plans are temporarily unavailable until further notice.
Note: All cardholders with existing Installment Plan will not be affected by this.

When will I see the installment conversion on my e-statement?

All successful installment conversion will be shown on the next billing statement via the My Home Credit App.

Can I convert my cash withdrawal limit to installment?

No, cash withdrawal limit cannot be converted to installment.

L. Online Shopping

Can I use my card for shopping online?

Yes, you can use the card online for food delivery, airline tickets, hotel bookings, subscriptions, in ride-sharing apps and more. You can shop online anytime, anywhere.

Can I use it on any online site?

You may use the card in any secured site. You will know this if the address starts with https.

What details are needed when making an online purchase?

You will need the following information when making an online purchase:
  • Account Name
  • 16-digit card number
  • the card expiry date
  • and your CVV or the 3 digit number at the back of your card beside the signature panel.
Moreover, you may be asked to input the 6-digit one-time password (OTP) that will be sent to you via text or via email depending on your chosen method. For your safety, we would like to remind you not to share any of these details with anyone.

I didn’t receive the one-time password (OTP). What should I do?

The SMS is sent to the mobile number registered to your Home Credit account. You may get in touch with our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 if you need to update your mobile number.

Is there a limit for online purchases?

There is no limit to online purchases as long as you have enough available credit limit in your card.

M. My Home Credit App

How can I download the My Home Credit App?

To download the app, click here. Downloading the app is free of charge.

I already have the app. Will I automatically see my credit card account there?

Yes, you will automatically see your credit card account in the app’s dashboard.

What credit card details can I view in the My Home Credit App?

You can view your real-time transaction, transaction history, card balance, and monthly billing statement.

Can I make credit card transactions using my My Home Credit App?

Yes, you can make the following credit card transactions on the My Home Credit app:
  • Buy prepaid mobile load or prepaid utility service at 5% discount
  • Pay utility bills at over 200 billers nationwide with no additional fees
  • Pay at partner merchants using the QR scanner

N. Card Protection

What are the different kinds of coverage under the Card Protection Program?

The Card Protection provides the following coverage:
  • Credit Life Insurance (Up to 120% of Outstanding Balance)
  • Accidental Death & Dismemberment (Up to 120% of Outstanding Balance)
  • Lost / Stolen / Internet Fraud (up to the credit limit)

What is the coverage of the Life Insurance?

Your life insurance will cover the card’s outstanding balance. Whatever is left from the insured amount can be claimed by the beneficiary.

What is the coverage of the Accidental Death & Dismemberment?

In the event of the cardholder’s accidental death or dismemberment of certain body parts due to accident, the cardholder or beneficiary can avail additional benefits of up to 120% of the outstanding balance.

What is the coverage for Lost/Stolen Card?

It covers unauthorized transactions that are made 12 hours prior to the cardholder’s reporting of a lost or stolen card. Cardholder must have reported the incident to our customer service via our hotline numbers at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.

What exactly does internet fraud cover?

It covers unauthorized online transactions within 30 days from the last billing date or prior to the cardholder’s notification to our customer service. It does not apply if the cardholder voluntarily provided his confidential information to dubious or unscrupulous websites.

How much is the Card Protection Fee?

The Card Protection Fee is Php 75 per month.

Is insurance mandatory? Do I have to get insurance?

Card Protection is voluntary or automatic, depending on your product package.

How does the HC Credit Cardholder pay for the monthly premium?

The Card Protection fee is charged to the cardholder’s HC Card number on a monthly basis.

When will I be charged?

If availed, the monthly Card Protection Fee of Php75 will not be charged until your first transaction.

*For those who applied for the card with their gadget or appliance loan, the loan is considered as your first transaction so the fee will be charged starting your first month.

How do I file for claims?

You can call our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611. They will guide you on the next steps.

How many times am I allowed to make a claim?

You may file for a claim as long as the amount of claim is still within the remaining benefit limit based on your credit limit.

Do I need to renew my coverage?

No, your coverage is automatically renewed every year. Upon renewal, you will no longer receive a Certificate of Coverage (COC). The COC is only issued once, which is upon successful enrollment to the program.

Is the protection coverage transferable?

No, the availed protection coverage is NOT transferable.

How do I cancel my Card Protection Plan?

You may get in touch with our customer service to request for cancellation.

Why am I getting membership and card protection charges?

Membership and card protection fees may be a condition for the continued use of the credit card. The applicable amount will be charged monthly after your first transaction.

O. Credit Limit

Why was my credit limit increased?

Home Credit regularly checks your credit card payment history. Select cardholders get a chance to have their credit limit increased if they have a good credit standing and payment history.

Can I request for an increase in my credit limit?

Currently, the credit limit increase is highly dependent on your usage and payment behavior. With that, we highly encourage you to:
  • Make sure that you pay at least the minimum amount due or better yet, the total amount due.
  • Always pay on or before your due date. You may take advantage of our easy payment methods such as paying on our website or at any of our payment partners. You may also opt to enroll your account in our Auto Debit Arrangement.
  • Enjoy and take advantage of your card by using it more frequently according to your budget.

Why was my credit limit decreased?

The credit limit decrease is based on your usage and payment behavior. History of at least one (1) delayed payment can trigger the decrease in your credit limit.

Can I request for a lower credit limit?

Yes, you may get in touch with our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to request for a lower credit limit.

How much do you want me to pay to make sure I don't get my credit limit decreased?

We encourage you to pay at least the Minimum Amount Due on or before the due date.

When is the best time to pay to make sure I don't get my credit limit decreased?

You may pay as early as four (4) days before your due date. Posting of payment usually takes 24-48 hours in the system. The payment date will be based on the actual date of payment.

When will the change in credit limit reflect on my account?

Credit limit increase or decrease will be reflected on the next billing cycle.

P. Transaction Dispute

I received a notification for a transaction I did not make, what should I do?

You may temporarily block your card in the My Home Credit App or call our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to report the incident. We request you to fill out a dispute form, which can be found here, and submit the necessary requirements so we can review the report. Home Credit will also arrange for a card replacement so you can have a new card with a new number.

I was charged for a transaction that did not push through. What should I do?

Please call our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 immediately. We request you to fill out a dispute form which can be found here and submit the necessary requirements so we can investigate the transaction.

I received a notification for a transaction that did not push through. What should I do?

Please get in touch with our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to report the incident.

Q. Account Blocking, Cancellation and Termination

How do I cancel/terminate my credit card?

You may get in touch with our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to request for card cancellation.

Home Credit Philippines is regulated by the Bangko Sentral ng Pilipinas with contact number (02) 8708-7087 and with email address consumeraffairs@bsp.gov.ph.