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How do I increase my Credit Limit manually? (TAG)


For the English version of this article, click here.


Ang mga eligible SPayLater at SLoan users ay maaaring mag-apply para sa temporary credit limit increase sa pamamagitan ng pagsusumite ng karagdagang supporting documents. Kapag na-review at na-approve ang application, makakatanggap ka ng notification na nagkukumpirma ng iyong increased credit limit.

Maaari mong i-check ang expiration date ng iyong temporary credit limit increase sa pamamagitan ng pagpili sa iyong available credit sa SPayLater o SLoan homepage, o sa pagtingin sa notification na nagkukumpirma ng iyong approved credit limit increase.


Benefits sa pag-apply ng Manual Credit Increase

  • Libre - walang additional fee charge sa paggamit ng feature na ito.

  • Mabilis - hindi mo na kailangan mag-antay para magka-increase ang credit limit mo.

  • Madali - kailangan mo lang ng cellphone para magsubmit ng requirements.



Qualification para sa Manual Credit Limit Increase

Sa kasalukuyan, available lamang ang feature na ito sa mga selected users. Kung hindi mo nakikita ang Credit Limit Increase option, ipagpatuloy ang paggamit ng SPayLater o SLoan at panatilihin ang magandang repayment behavior, tulad ng palagiang pagbabayad nang on time, upang mapataas ang iyong pagkakataong maging eligible.


Maaaring hindi mo ma-access ang feature na ito dahil sa mga sumusunod na dahilan:

  • Application already submitted – Kasalukuyang nire-review ang iyong credit limit increase request.

  • Previously not qualified – Maaaring hindi na-approve ang iyong naunang application. Ipagpatuloy ang responsableng paggamit ng iyong credit products upang magkaroon muli ng pagkakataong maging eligible sa hinaharap.


Paanong mag-request na i-increase ang iyong SPayLater at SLoan Credit?

Pumunta sa SPayLater o SLoan Homepage > Get Higher Credit Limit > Ilagay ang Salary Amount at Payroll Frequency > piliin ang Employment Type > piliin ang Document Type (isang document lamang ang kailangan) > i-upload ang document > Submit.


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⚠️ Tandaan

· Dapat tugma ang pangalan sa isinumiteng dokumento at ang pangalan sa iyong account o application.

· PDF lang ang accepted file type para sa document submissions at ang maximum file size ay 200MB.


Mga Accepted Documents:

Document Type

Submitted Document Should Include

BIR 2316

· Employee name

· Employer name

· TIN

· Declared year or “For the Year” field

· Income information

· Employer signature

· Complete form pages and details

· Please submit the latest filing.

Certificate of Employment (COE)

· Employee name

· Employer or company name

· Employer or company logo, if available

· Issue date

· Employment start date

· Salary or compensation amount

· Salary currency

· Employer signature, including computer-generated signature if officially issued by the company

· Company contact details or official letterhead, if available

· Submitted COE should have been issued within the last 3 months

Payslips

· Employee name

· Employer or company name

· Company logo, if available

· Pay period or cutoff period

· Payment date, if available

· Gross income, net pay, or salary amount

· Deductions, if applicable

· Currency, preferably PHP

· Complete payslip details in a standard payslip format

· Please submit the latest 3 months of payslips or the required number of recent payslips shown in the app

Bank Statements

· Bank name

· Bank logo, if available

· Account holder name

· Account number 

· Recent transaction details

· Statement period or statement date

· Complete pages of the statement, if the statement has multiple pages

· Please submit your official bank statement for the most recent period.


Tips para mas mapabilis ang application process

Upang maiwasan ang delays or rejections, iwasan mag-submit ng mga sumusunod:

 

Mga hindi tinatanggap na documents

  • Password-protected documents

  • Documents na may incomplete pages

  • Screenshots ng account balance o transaction history

  • Manually created o informal documents

  • Freelance contracts at iba pang contract documents

  • Invoices o transfer receipts

  • Documents na denominated o calculated sa foreign currency

  • Tampered o altered documents

  • Outdated documents

  • Blurry, unreadable, o cropped documents

  • Insufficient supporting documents

 

Documents na may missing o incomplete information

  • Pangalan ng account holder o employee

  • Salary details (para sa payslips at Certificates of Employment)

  • Issue date

  • Bank details (para sa bank statements)

  • Employer details (para sa payslips at Certificates of Employment)

  • Declared year (para sa BIR Form 2316)


 

⚠️Tandaan

Kung nagkaroon na ng successful na credit limit increase, magiging available lang ulit ito kapag nag expire na ang previous credit limit increase.

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