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This is in accordance with the Bangko Sentral ng Pilipinas Circular No. 1165, dated January 19, 2023, which amends the maximum interest or finance charges for credit card receivables to 36% annually, or 3% monthly.

The new interest rate will take effect on February 10, 2023 and will apply to new transactions and unpaid balance on your credit card.

No, this will only apply to your credit card balance.

All remaining unpaid transactions made before February 10, 2023 will be affected by the new interest rate.

Starting February 10, 2023, all remaining unpaid balance will be computed to the new interest rate.

No, the new interest rate will apply to all current and new credit card holders

No, existing Installment Plan in your credit card will remain the same

The new interest rate will be applied to your remaining balance. We encourage you to pay for your total amount due prior to the implementation of the new interest rate.

You can afford big purchases by using your Home Credit Card. Low Interest Rate The new 3% monthly interest rate is lower than previous installment plan offers. This means any interest charged on the unpaid balance is much more affordable. Payment Flexibility You have control and flexibility on how much to pay every month as long as it is not lower than the Minimum Amount Due, which is 7% of your unpaid balance or P700 whichever is higher. When you make a big purchase, you can set a goal on how much you will pay off every month depending on what you can afford. The unpaid balance is charged a low 1% monthly.

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. 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 • Philsys ID

It is the amount where in Home Credit Philippines charges the cardholder for the right to use its credit card and acquire access to other membership benefits. Once the credit card has been activated, the card holder will be charged with a monthly membership fee on the initial transaction. If the card is already activated, as long as it has not been used in any transaction, it will not be charged with the monthly membership fee. To see the monthly membership fee amount and other fees you may refer to your monthly SOA.

The formula to compute for the interest amount is Unpaid Balance x (Interest Rate / 30 days) x No. of Days Past Due.  Note that the Unpaid Balance excludes card fees, new purchases, and other charges that are not subject to interest. See sample computation below:Grocery shopping: P10,000Paid: P5,500 Unpaid balance: P4,500 P4,500 x (3% / 30 days) x 21 = P63 interest

We have reduced your credit limit to help you manage your account. But don’t worry, we regularly evaluate your card usage and payment behavior and you will received a notification if your credit limit is back/increase.

For now, we are not offering a credit card. Stay tuned for more announcements as we will be launching back credit card soon. You are eligible for a credit card if: 1. You are an existing or previous Home Credit Customer with eligibility notification either via SMS, Call, Email or My Home Credit App; 2. Or get an offer when you avail of a Commodity Loan Note: Credit Card applications are subject for approval.

If you are eligible for a credit card, simply visit any of our [partner stores](/about-us/our-partner-stores) and present two (2) valid IDs to our Sales Associate (SA): 1. One (1) Government-issued ID 2. One (1) ID with your addresss Note: Applications are subject for approval. But currently were not offering credit card.

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

Your credit card will be delivered to your delivery address within: 1. 5 working days for Metro Manila 2. 10 working days for provincial areas. An SMS will also be sent once your card is ready for delivery.

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

To request for an address change, you may reach us thru live chat. 1. Open any browser in search for https://www.homecredit.ph 2. Click Contact Us button 3. Go to the lower part of the page and look for Chat with us 4. Click the Chat with us logo and start the interaction

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

We can try to deliver it up to three times. If delivery is still unsuccessful, you may get in touch with Customer Service thru live chat and request for redelivery: 1. Open any browser in search for https://www.homecredit.ph 2. Click Contact Us button 3. Go to the lower part of the page and look for Chat with us 4. Click the Chat with us logo and start the interaction Ensure that your line is open during delivery and you are present at the delivery address

Simply present one (1) valid ID from the list below to our delivery personnel.   1. Driver’s License 2. Employer/Company ID 3. GSIS 4. NBI Clearance 5. Pag-ibig 6. Passport 7. Philhealth 8. Police Clearance 9. Postal ID 10. Professional Regulations Commission or PRC ID 11. School ID 12. Senior Citizen Card 13. SSS 14. UMID 15. Voter’s ID In case you are unavailable to claim your card, you can assign a representative just needs to present a valid ID and the delivery tracking number to our delivery personnel.

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

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 or you you may get in touch with Customer Service thru live chat and request to change your preferred delivery address: 1. Open any browser in search for https://www.homecredit.ph 2. Click Contact Us button 3. Go to the lower part of the page and look for Chat with us 4. Click the Chat with us logo and start the interaction Ensure that your line is open during delivery and you are present at the delivery address

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 4% discount, have QR or cashless transactions at our [partner merchants](/hcpay-merchant-partners/), and even pay your utility bills at [over 300 billers](/hc-pay-billing-partners/) at no additional fees.

There are two ways to activate your credit card: • 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 • For iPhone users, please reach our customer service thru live chat. 1. Open any browser in search for https://www.homecredit.ph 2. Click Contact Us button 3. Go to the lower part of the page and look for Chat with us 4. Click the Chat with us logo and start the interaction 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.

You may reach us thru live chat. 1. Open any browser in search for https://www.homecredit.ph 2. Click Contact Us button 3. Go to the lower part of the page and look for Chat with us 4. Click the Chat with us logo and start the interaction

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 get in touch with Customer Service thru live chat for assistance: 1. Open any browser in search for https://www.homecredit.ph 2. Click Contact Us button 3. Go to the lower part of the page and look for Chat with us 4. Click the Chat with us logo and start the interaction

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

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

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

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.

You need to settle your payments to update your account. To view the list of our payment partners, please click [here](/pay-now/). Once settled, you may activate your card.

Check My Home Credit App if the payment has been posted. If yes, try activating your card again in the My Home Credit App or thru our customer service.

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.

You may set up your PIN either via the My Home Credit App by tapping the "Manage Card" option or For your account safety and security, your four digit PIN cannot be consecutive numbers (ex. 1234) or repeating numbers (ex. 0000).   SMS from Home Credit will be sent upon successful PIN setup.

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. Note: Cash withdrawal is only allowed if the account have its own fund or overpayment

You may go back and just create a new 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.

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.

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.

Make sure that the merchant accepts Visa credit card as a mode of payment or you may use QR Payment option in My Home Credit App.   If the merchant refuses to process your transaction, you may get in touch with our customer service through 'contact us' page 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

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. * Use QR Payment option in My Home Credit App   Otherwise, you may get in touch with our customer service through 'contact us' page 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

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 to request for a card replacement via: 1. Live chat, a. Open any browser in search for https://www.homecredit.ph b. Click Contact Us button c. Go to the lower part of the page and look for Chat with us d. Click the Chat with us logo and start the interaction 2. Calling our hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.

You may get in touch with our customer service to request for a card replacement via: 1. Live chat, a. Open any browser in search for https://www.homecredit.ph b. Click Contact Us button c. Go to the lower part of the page and look for Chat with us d. Click the Chat with us logo and start the interaction 2. Calling our hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611. 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.

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.

No, we will send you a card replacement two months before your card expires, please ensure that delivery address that you have provided before is the current delivery address your using now.

In case you like to change your delivery address, you may get in touch with our customer service to activate card and set new PIN via: 1. Live chat, a. Open any browser in search for https://www.homecredit.ph b. Click Contact Us button c. Go to the lower part of the page and look for Chat with us d. Click the Chat with us logo and start the interaction 2. Calling our hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.

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 you may get in touch with our customer service to activate card and set new PIN via: 1. Live chat, a. Open any browser in search for https://www.homecredit.ph b. Click Contact Us button c. Go to the lower part of the page and look for Chat with us d. Click the Chat with us logo and start the interaction 2. Calling our hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.

Your replacement card will be delivered within 5 to 10 working days. Beyond 10 days, you may get in touch with our customer service to request for status or redelivery via: 1. Live chat, a. Open any browser in search for https://www.homecredit.ph b. Click Contact Us button c. Go to the lower part of the page and look for Chat with us d. Click the Chat with us logo and start the interaction 2. Calling our hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.

Yes, you need to notify our customer service at least 2 months before the card expires via: 1. Live chat, a. Open any browser in search for https://www.homecredit.ph b. Click Contact Us button c. Go to the lower part of the page and look for Chat with us d. Click the Chat with us logo and start the interaction 2. Calling our hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.

You may get in touch with our customer service to request redelivery via: 1. Live chat, a. Open any browser in search for https://www.homecredit.ph b. Click Contact Us button c. Go to the lower part of the page and look for Chat with us d. Click the Chat with us logo and start the interaction 2. Calling our hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.

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.

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 to check if you have the right email address on our record or if there is a need to update it via: 1. Live chat, a. Open any browser in search for https://www.homecredit.ph b. Click Contact Us button c. Go to the lower part of the page and look for Chat with us d. Click the Chat with us logo and start the interaction 2. Calling our hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.

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.

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.

If you do not pay the Total Amount Due on or before your due date, the remaining balance will be charged a 3% interest per month starting from the billing date. This will be reflected on your next Monthly Billing Statement as "Interest Charges".

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.

This is charged if you are not able to pay at least the Minimum Amount Due on your Payment Due Date. The fee is PHP 500 or equivalent to the value of the unpaid minimum amount due, whichever is lower.

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

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

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

1. Download the dispute form [here](https://hcphprodwebrevamp.blob.core.windows.net/hcph-website/assets/2022_10_17_Credit_Card_Dispute_Form_for_Project_8_9d25d04abc.pdf). 2. Attach the required supporting documentation. You may attach a separate sheet if you need to describe the dispute in detail. 3. Send the Dispute Form via email or mail: Email: disputeresolution@homecredit.ph Address: 9F Vertis North Corporate Center Tower 1, North Avenue, Barangay Bagong Pagasa 1, Quezon City, Philippines 1105

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

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.

You may either pay via: - My Home Credit App - Home Credit Website - Payment Partners Know more about it [here](/payments/#howandwheretopay). Remember to keep a copy of your official receipt in case you need to report a missing payment.

Yes! You may also pay via: * Bayad Center Online * BDO Online Banking * Coins.ph * GCash * Paymaya * RCBC Online Banking Remember to keep a copy of your official receipt in case you need to report a missing 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.

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

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](http://bit.ly/2HE81FS).

You may get in touch with our customer service via: 1. Live chat, a. Open any browser in search for https://www.homecredit.ph b. Click Contact Us button c. Go to the lower part of the page and look for Chat with us d. Click the Chat with us logo and start the interaction 2. Calling our 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

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

You may temporarily block your card via the My Home Credit App or you may get in touch with our customer service via to request card blocking via: 1. Live chat, a. Open any browser in search for https://www.homecredit.ph b. Click Contact Us button c. Go to the lower part of the page and look for Chat with us d. Click the Chat with us logo and start the interaction 2. Calling our hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611. Upon receiving your report, we will also arrange for a card replacement so you can have a new card with a new number.

Yes, you can monitor all your transactions and payments via the [My Home Credit App](https://goo.gl/3zhHsU).

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

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.

Yes, it will be blocked after three failed attempts.

You can make cash withdrawals in any ATM that accepts VISA card. Note: This is only applicable to cardholder with own fund or over-payment on their card

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

Cardholder can withdraw their own fund or the over-payment on their card

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

You can withdraw any amount on your own fund or over-payment on your card. Just remember that there is a fee for every withdrawal made.

An installment plan gives you payment flexibility to convert qualified purchases into installment over a certain period. Your monthly installment amount will be part of your Minimum Amount Due. Note that the Installment Plan feature is available to selected customers only.

A one-time Conversion Fee of P100 for transactions amounting to P2,000 - 7,000 and P250 for transactions amounting to P7,001 and up will be charged to your Home Credit Card for each installment application that is approved.

Yes, the monthly add-on interest is fixed at 1%. This is also equivalent to 1.4926% effective interest rate for 3 months term, 1.6907% for 6 months, and 1.7881% for 12 months.

All successful conversions will be shown on the next e-statement cycle sent to your registered email address. You can also check it via the My Home Credit app.

Installment plan is temporarily unavailable effective March 1, 2023 until further notice. Instead, you may opt to paying only your Minimum Amount Due (MAD) and pay only for an interest of 3% until you fully paid the transaction. If you made a PHP6,000 purchase and want to pay it off in 6 months, you can simply set a goal to pay at least PHP1,000 plus the 3% interest charged to the remaining principal as shown in your monthly billing statement. Note: This scenario assumes no other transactions are made.

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 here.

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.

No, earned rebates are not convertible to cash.

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.

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

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

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.

The SMS is sent to the mobile number registered to your Home Credit account. You may get in touch with our customer service via: 1. Live chat, a. Open any browser in search for https://www.homecredit.ph b. Click Contact Us button c. Go to the lower part of the page and look for Chat with us d. Click the Chat with us logo and start the interaction 2. Calling our hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.

To download the app, click [here](https://goo.gl/3zhHsU). Downloading the app is free of charge.

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

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

Yes, you can make the following credit card transactions on the My Home Credit app: • Buy prepaid mobile load or prepaid utility service at 4% discount • Pay utility bills at over 200 billers nationwide with no additional fees • Pay at partner merchants using the QR scanner

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)