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

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

What is your credit history?

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

In the Philippines, there are data service providers which process and organize credit information on the clients of financial institutions. Having ready access to credit information allows financial institutions to make fast, informed, reliable and objective decisions about your credit history.

Things to note about your credit history

  • Having a good credit history is important when you apply for loans in the future.
  • A poor credit history can adversely affect your chances of getting the loan you need.

4 simple rules to build and maintain a solid credit standing


Do not spend beyond your limit. Do not spend or borrow more than what you can repay.


Pay at least the Minimum Amount Due on time to avoid late fees. Whenever possible, pay your Citi credit card bill in full every month to avoid late fees and interest charges.

See how your interest charges are calculated here.


Review your online statement of account once you have received it. Get notified when your statement is ready by enabling Push Notifications on the Citi Mobile® App. Plus, you can easily check your outstanding balance, available limit, latest transactions and more on the app.


Be aware of the due dates of your loans or credit card bills and penalties for late payments. Here are some ways you can easily avoid late charges or fees:

  • Make a list of all your recurring bills (and their due dates)
  • Add your payment due dates to a calendar
  • Set reminders for your bill payments
  • Set up automated payments if you can
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