In case you have received the SMS below, that means that you won’t be able to use GCredit as a payment option for Scan to Pay and Pay Bills for the time being: 
This may be due to the following:
a. Deactivation - This happens when your account no longer qualifies the credit criteria; Policies are described below:
- Ineligible GScore
- Inaccurate and non-updated GCash profile, like details below:
- Name
- Date of birth
- Email Address
- Nature of Work
- Source of Income
- Inactivity for a significant period of time
- And other policies that keep lending safe
b. Account is Frozen - This happens when your credit line has been temporarily expired, due to unacceptable KYC details, but can be further reinstated once confirmed to be acceptable from the system
c. Account is Blocked - This happens when your credit line has been permanently expired, due to an unacceptable violation towards our lending policies
However, there are still other cases that disallows you to use GCredit as a payment option, due to the following reasons
d. Revoked - this happens when you have reached a particular number of days past due, that we have automatically revoked your account due to failure of payment
Here’s the SMS user receives to prove that account has been revoked
e.Terminated- user requested cancellation of Gcredit account, which is granted only if reasons are valid and no outstanding balance
Frequently Asked Questions
How to become eligible for GCredit again?
- After raising a ticket on Help Center and other channels (email and hotline), we could check your account, then if proven to be eligible, we will reinstate your account in 3 business days
- If you’re not eligible for reinstatement, after one (1) year since account deactivation/revocation, kindly file a ticket again on Help Center to request for GCredit account eligibility in 3 business days)
My credit limit decreased. What happened?
When a GCredit account is downgraded, the user has failed to maintain the required GScore for the granted credit limit. To maintain your credit limit, continue transacting on GCash!
Follow these tips to increase your GScore:
- Accurate and up-to-date GCash profile
- Not missing out on paying for GCredit due
- Frequent GCash usage with Pay Bills, QR, Invest Money, Save Money or GCredit
Here’s the SMS that you should have received that confirms the decrease of your credit line.
Why are we downgrading and deactivating accounts?
When a GCredit account is deactivated, revoked or downgraded, this is to ensure that credit limit is granted to those users who have proven their creditworthiness. Users who failed to do so, given their decreasing GScore will experience these.
Credit worthiness is described as:
- Eligible GScore
- Accurate and up-to-date GCash profile
- And other policies that keep lending safe