Question about Maya Credit

[xLays]

Nagbabakasakali lang na may ganito ring scenario nangyari sa inyo sa Maya Credit or any OLA. Good credit score naman ako sa Maya not until na delayed yung repayment ko ng 1 month. Ngayon nag fully paid na ako sa credit ko sa maya pero pag tingin ko locked na Maya Credit ko.
Dati naman na late ako ng repayment ng siguro mga 2 weeks okay naman hindi na lock. Itong 1 month lang na delay saka na lock. .

Tanong ko lang if nangyari na rin ba sa inyo ito kahit sa anong lending app na lock yung credit after late repayment, may chance pa bang ma unlock to? Nakaka hiram ako sa Maya ng max 9K.

[malcovi2]

babalik din yan basta tinutuloy mo ang paggamit ng Maya pero may chance na baba nga lang ang makukuha mo.

[acroman08]

Nope, never pa nangyari sakin to. Not really interested sa mga online lending apps, the majority of them are basically just loan sharks. Regarding dun sa pag ka lock ng account moe, it looks like na part yan ng terms and conditions nila.

7.4
If the MAD is unpaid after thirty (30) calendar days from Statement Date, your card will be automatically locked without need of prior notice or demand to You which you hereby expressly waive. You can unlock your card after successful repayment of the MAD. Your Card shall be automatically suspended if unpaid after ninety (90) calendar days from Statement Date, without prejudice to our right to cancel or terminate the Card any time and for whatever reason.

[PX-Z]

Regarding dun sa pag ka lock ng account moe, it looks like na part yan ng terms and conditions nila.

7.4
If the MAD is unpaid after thirty (30) calendar days from Statement Date, your card will be automatically locked without need of prior notice or demand to You which you hereby expressly waive. You can unlock your card after successful repayment of the MAD. Your Card shall be automatically suspended if unpaid after ninety (90) calendar days from Statement Date, without prejudice to our right to cancel or terminate the Card any time and for whatever reason.

This is only their credit card like the maya black or yung landers cc nila.

As for maya credit, never pa ako naka experience ng late repayment kaya di ako makakasagot, so i guess you need to wait until ma activate ulit yan at least 30 days since ganyan ang kadalasan. Ang kagandahan pa naman ng maya credit ay pwede mon bayaran ng 1k lang tapus transfer to wallet mo ulit then pay ulit hanggang sa mabayaran mo yung total due + interest lol. Ngayon dahil na lock/disable siguro need mo ifull payment at need at least 30 days before makahiram ulit. Parang ganun kase yung sa sloan nakikita ko sa reddit may notice na 30 days before makahiram ulit after nakapag over due kahit 3 araw lang. Sa gloan naman, never nako nagka offer after i full pay ko ng 6 months earlier lol.

[Peanutswar]

Nagbabakasakali lang na may ganito ring scenario nangyari sa inyo sa Maya Credit or any OLA. Good credit score naman ako sa Maya not until na delayed yung repayment ko ng 1 month. Ngayon nag fully paid na ako sa credit ko sa maya pero pag tingin ko locked na Maya Credit ko.
Dati naman na late ako ng repayment ng siguro mga 2 weeks okay naman hindi na lock. Itong 1 month lang na delay saka na lock. .

Tanong ko lang if nangyari na rin ba sa inyo ito kahit sa anong lending app na lock yung credit after late repayment, may chance pa bang ma unlock to? Nakaka hiram ako sa Maya ng max 9K.

I am active with the credit card and I do not have any late payment most of the time kasi nag babayad ako agad once nag show na sa outstanding balance ko ung ni-swipe ko and di din ako nag overdue syempre. You can check your credit card pag dating sa app diba if locked or hindi, and if ever man na lock yung cc mo pwede mo unlock ito sa app now if ever na mag error i do recommend talaga do always call for their hotline and support agent pag dating sa ganyan I do not recommend sending emails because apaka bagal ng response nila.

[malcovi2]

sa mga naguguluhan ito po tinutokoy ni OP yung nasa app mismo ng maya hindi credit card

[xLays]

sa mga naguguluhan ito po tinutokoy ni OP yung nasa app mismo ng maya hindi credit card

Yeah ito tinutukoy ko. MAYA CREDIT HIND MAYA CREDIT CARD.. Ganyan na ganyan mismon screenshot. Sorry late reply dito sa thread. Wala na yun error sa app ko pero may lumalabas na:

Maya Easy Credit payment received

You will receive a notification once your account is approved to be unlocked. For now, feel free to use your Maya Wallet for payments.

Nagbasa basa ako sa reddit malabo na daw yung mga ganitong cases ma unlock. Okay daw yung mga below 15 days na delay payment pero yung mga 15 days above daw na delayed redflag na daw yun.

[julerz12]

Maya Easy Credit 'yan and yes, nala-lock talaga 'yan kapag late ka nakapagbayad.
Another possible reasons ay suspected of suspicious or fraudulent activities, hindi kumpletong documents, at maling paggamit ng Maya Easy Credit (bawal 'yan gamiting sa illegal gambling).
See here: https://support.maya.ph/s/article/Why-is-my-Maya-Easy-Credit-account-locked
Also, their ToS here: https://www.mayabank.ph/credit/#