https://www.facebook.com/105140668221593/

Grace Serrano

Name: Grace Serrano
Address: Daet, 4600, PH
Telephone: +639518679319

19/02/2026

National ME Day! 🩷

03/04/2025

Solid advice 🩷

As someone who doesn't have any financial back ups, this is
𝗛𝗼𝘄 𝗜 𝗕𝘂𝗶𝗹𝘁 𝗠𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗖𝗿𝗲𝗱𝗶𝗯𝗶𝗹𝗶𝘁𝘆 𝗳𝗼𝗿 𝗙𝘂𝘁𝘂𝗿𝗲 𝗟𝗼𝗮𝗻𝘀.
💕💕💕💕💕

As someone who needed to build financial credibility to qualify for loans, I started planning when I was 26 years old. Now I am 29yrs old, I’m starting to see the results of that effort.

✨𝗧𝗵𝗲 𝗘𝘆𝗲-𝗢𝗽𝗲𝗻𝗲𝗿✨

When I was working as a realtor, I had a client with a stable job and a high salary—more than qualified to purchase a home. But when I applied for a loan on her behalf, she got denied. The reason?
She had no credit history. Lahat ng bank na inapplyan ko, denied siya.

That experience made me realize how important it is to have a strong credit score. From then on, I made it a goal to build mine so that when the time comes that I need a loan, I’ll have no issues getting approved.

𝗦𝘁𝗲𝗽𝘀 𝗜 𝗧𝗼𝗼𝗸 𝘁𝗼 𝗕𝘂𝗶𝗹𝗱 𝗠𝘆 𝗖𝗿𝗲𝗱𝗶𝘁 𝗦𝗰𝗼𝗿𝗲
1. Got My First Credit Card – I accepted my first credit card from BPI with a modest ₱35,000 limit. I made sure to always pay in full and on time. (Did not apply for this. But BPI was my payroll account since I was 18 yrs old.)

2. Used My Credit Card Wisely – I only used it for purchases that I could afford to pay in cash. This way, I wasn’t spending beyond my means. For necessities and wants ito gamit ko pangbayad. It's just like delaying paying with cash pero meron akong cash pangbayad.

3. Accepted Loan Offers (Even If I Didn’t Need Them) – This may sound unnecessary, but I took small loan offers just to establish a good repayment record.

4. Financed Our First Car – We got in-house financing from Toyota, and I was surprised to see that it also reflected on my CIBI credit report. (I used Lista App yo check my credit core standing)

5. Purchased A Property – Bumili ako ng lupa na babayaran ko lang ng 2 yrs. In-house. No interest. Para magamit ko siya as collateral in case kailangan ko mag loan.

✨The Results✨

✨Now, the credit card offers keep coming in, and my limits have significantly increased:
• BPI: From ₱35,000 → Now ₱400,000
• HSBC: ₱350,000
• UnionBank: ₱100,000
• Security Bank: ₱1,000,000
• RCBC: ₱280,000

I mainly use my credit cards for business purchases, which allows me to pay them off easily while also earning points.

✨Pre-approved bank loan offers keep coming in as well.

✨When I had to take out a loan, para lang ako bumili ng s**a sa bank. ID lang kailangan, then pirmahan na ng loan documents. I was asking for this # # #, # # # but they would offer me x, # # #, # # # amount. Mind you guys, itong bank na to ₱250 lang laman ng account ko kasi di ako jan nagtatabi ng pera. But I use my cc sa bank na yan.

🚗I get pre-approved car loan offers with no income documents needed. Samantalang for my first car, di ako maapprove kaya in-house financing.

Final Thoughts

Building a good credit score takes time, discipline, and strategic financial moves.
If you’re planning to take out a loan in the future, start building your credit history now.
It will pay off when you need it most!

Ngayon, I'm in the stage of establishing my business naman. Matagal siya na gameplan. So start early lalo na if pareho tayong walang ibang mahihingan ng tulong kundi sarili lang natin.

😊