LIT | Using Your Credit Wisely - Citibank Philippines

Using Your Credit Wisely

Find out how to build your credit and why it matters.

How do you get (and maintain) a good credit history?

A credit history is a record of your past borrowing and repayments, including information about late payments, delinquency, and bankruptcy.

How much credit can you afford?

To determine how much credit you can take on, you should compare how much you owe (debt) with how much you earn (income).

How much should you pay?

Cardholders are required to pay at least the minimum amount due each month.

Learn more about your credit card payment and fees

Your credit card is a great tool that offers you financial flexibility. Manage your card better by paying the Total Amt due whenever possible to avoid interest or at least the Minimum amt due on time to avoid late charges.

What do you need to know when borrowing?

If you're just starting out in your career, it is difficult for creditors to assess your financial health and approve your application.

How do you create and keep a budget?

Creating a budget isn't difficult. You just need to spend some time organizing and planning. Once it is set-up, budgeting is useful and easy to maintain.

Use your credit card the right way.

A credit card allows you to make purchases conveniently wherever you are, without having to bring cash. With Citi’s superior online security feature, you can use your credit card without any worry.

5 Ways to Outsmart a Scammer

Scammers are smart, but you can always outsmart them. Find out how you can protect yourself and keep your information secure.

9 Tips for a Healthy Credit Score

Do you keep track of your credit score? Read on for more tips on how to maintain a financially-sound credit score.

Money Moments: How Using Credit Wisely Can Help You Achieve Your Goals

Find out how your credit card can help you achieve your goals.

What are the types of credit?

Find out if you're using credit wisely by taking this quick quiz.

10 Tips to make credit work for you

Here are a few credit tips you might want to try.

For any concerns, you may call us at (632) 8995-9999 or send us a message through www.citibank.com.ph.
Citibank, N.A. Philippine Branch is supervised by Bangko Sentral ng Pilipinas with telephone number (632) 8708-7087.