PurchasePlus card goes beyond just giving you the power of credit. This card lets you make purchases at hundreds of accredited stores nationwide and lets you pay for these purchases conveniently in 4 equally-divided installments, commonly known as “GIVES,” at no additional cost. Unlike other cards, it gives you the freedom and flexibility to budget your expenses, knowing that you will not be burdened by the usual high interest cost and fees. More importantly, it keeps you away from getting deep into credit card debt.

A Chargebook is a companion booklet to your PurchasePlus card. It has your photo, credit limit and expiry date. The Chargebook must be presented together with your card before a purchase is made. It is where the transaction details of your purchases are recorded. It keeps a running balance of how much credit is left available for use for the month.

Your card is accepted at major accredited department stores and supermarket, boutiques, bookstores, and appliance stores. With your card, you can get gift certificates from selected stores and restaurants; buy airline tickets for travel and leisure; order Pre-paid phone cards and other telecommunication needs; and, you can take advantage of special promos and offers exclusive only to PurchasePlus cardholders.

Your monthly credit limit is set by PurchasePlus and is based on the financial information you provided in your application. It is indicated in your Chargebook and is the maximum amount you can charge to your account every month. If you pay regularly without delay, your credit limit is restored at the start of every month. This gives you the full limit to use again for the month, even if you are still paying your installments for purchases made the previous month.

Co-makers serve as our principal partners in building a responsible cardholder base. Unlike bank cards, PurchasePlus does not qualify its applicants based on pre-set income/salary level. As long as the applicant is working and earning/receiving a stable income/salary and has someone, as co-maker, to back-up and guarantee his credit worthiness, he is eligible to get a card.

A co-maker can be your co-worker, a friend, or a family member. A co-maker who is already an existing cardholder of PurchasePlus is an added plus!

You will be billed and issued a Statement of Account twice a month with due dates falling every 15^th and 30^th/31^st of the month. All new purchases made within a billing cycle are automatically divided into four (4) equal installments.

Your statement of Account is generated every 5_th and 20_th of the month (statement date) and is mailed, e-mailed or delivered to you right away. Please expect 5-7 days of transit times. If you do not receive your statement, please call our hotline (at 813-5638/40).

Once you have received your statement of account, you must pay at least the minimum amount due on or before the payment due date appearing on your statement so that your account will not be in default and will not incur any interest and late fees.

Payments are accepted, as deposit, at accredited banks nationwide. Authorized collectors are likewise provided as an alternative if banks are inaccessible or if branches of our accredited banks are not found in your area.

The minimum installment required is the amount you pay to keep your account from going into default. This can be found in your statement of account. It is basically ¼ of the total billable retail transactions. Any amount past due, charges/fees, and over the Limit form part of the minimum installment due and should be paid in full.

Yes. Any overpayments made to your account shall be applied and credited accordingly to your bill.

Interest is imposed only if the minimum installment due is not paid in full on or before the payment due date. The prevailing rate is at 3.5% (per month)

Non-payment brings your account in default and thus, interest and penalty/late charges shall incur. This is also ground for card suspension. You will not be able to use your card until you bring your account up to date.

Reactivation takes effect at the start of the next billing cycle, upon full payment of the required minimum installment due on or before the payment due date for the current billing cycle.

Notify us immediately if any billing inquiries or errors appear in your statement by calling our hotline (at 813-5638/40) or you can report online - contact us. Our account executive will assist you on any concerns you may have.

Report a lost or stolen card and/or chargebook immediately by calling our hotline (at 813-5638/40). In addition, you must confirm the report in writing within 24 hours by submitting an Affidavit of Loss. A reasonable fee shall be charged for the replacement of the lost or stolen credit card and/or chargebook.

Affidavit of Loss

Credit limits are normally raised or lowered annually on your renewal time, depending on your performance in spending and repayment.

Your Chargebook will be sent to you 2 weeks before its expiry date.

If your Chargebook is almost filled up with your recorded purchases before its expiry date, you will have to notify us immediately and request for issuance of a new one, to avoid interruption of card usage. The store will not process your transaction if your Chargebook is already full.

You can notify us of any change or update of your personal information by calling our hotline(at 813-5638/40) or you can contact us online contact us and send us your updated information. Our account executive will call you to confirm all information you sent.