Let’s get one thing out of the way: there’s nothing wrong with treating yourself. Even though hard work and sacrifice are a big part of life, life is meant to be enjoyed, and the occasional treats should not be out of the question, especially if you’ve been putting your joy on the back burner for some time.
Now, you don’t necessarily want to keep spending on treats all the time, but sometimes it’s completely warranted. Whether you’re talking about a long-overdue staycation or an upgraded appliance that makes chores less laborious, rewards are a necessary part of maintaining your happiness and mental health.
But what if your savings aren’t quite enough? This is where a virtual credit line may come in handy. Credit cards are often used to fund discretionary purchases, and the link between easy credit card applications and increased consumer spending is well documented. It's no surprise that internet search terms like "how to avail credit card" have been trending alongside the continued rise of the Philippine retail market.
However, not everyone can easily qualify for a credit card, and even those who do may prefer more accessible or flexible options. That’s where alternatives like Maya Easy Credit come in. This virtual credit line is designed to be fast, convenient, and fully digital—made available right from your Maya app to help you cover one-time expenses or unexpected needs.
Whatever credit option you choose, it’s important to use it responsibly, especially when spending on non-essentials. Here’s how to do that without compromising your financial stability in the long run
1. Ask Yourself Why You’re Making the Purchase
Emotional buys can feel good in the moment, but this feeling doesn’t always last. If you’re using credit to complete that purchase, it makes sense to be more intentional than you normally would be. If the treat is something you’ve long planned for or will help your productivity and well-being, then you’re probably off to a good start.
2. Choose Treats with Lasting Value
Only you can know for sure whether something has value. After all, it is subjective. But we can probably agree that there’s a difference between splurging on a decorative item that will just sit on the shelf versus a tool or a piece of furniture that you will use every day. If you have to use credit to splurge, make sure that it’s something that consistently gives back tangible value in return.
3. Try to Stay Well within Your Approved Limit
Just because you’ve been granted a high credit limit, it doesn’t mean that you should max it out. For example, Maya Easy Credit offers up to PHP 30,000 based on eligibility, but you’re not required to use the full amount. Make it a point to know the exact cost of your planned treat and resist the temptation to add more stuff to your cart, just because you can.
4. Your Income and Budget Still Matter
New borrowers sometimes treat credit as “extra money”, which it really isn’t. When you combine that mindset with the euphoric rush of treating yourself, you might create a feedback loop of spending money you don’t have on things that may not necessarily provide any value or meaning to your life.
All that being said, double-check that the monthly payments on your loans won’t derail your essentials. Even with flexible repayment terms, it’s wise to avoid credit stress. As a rule, if you’d struggle to repay it over the next month, consider saving up a bit more first or choosing a more modest reward.
5. Track Your Treats
Consistent, on-time repayments mean you’ll be able to enjoy a virtual credit line whenever you need to splurge in the future. Maya Easy Credit can be managed from your Maya App, giving you a clear overview of your remaining balance, due date, and fees all in one place. With a good repayment record, you can expect to qualify for a higher credit limit or even a premium credit card, later on.
6. Don’t Borrow Just Because You Can
For regular Maya users, Maya Easy Credit offers a fast and easy-to-access alternative to credit cards and other traditional loans. Once you’re verified, you can get fast approvals and instant disbursement without having to present any documents. But that ease is also why it’s important to pause. Just because the option is there doesn’t mean you have to use it all the time.
Maya Helps You Finance Your Wants the Smart Way
Treating yourself doesn’t always mean subjecting yourself to years of denial, nor should it put you into a debt spiral. With safe lines of credit like Maya Easy Credit as well as a practical mindset, you can enjoy life’s rewards right at the times you need them most, all while staying financially grounded. Check your Maya app to see if you’re eligible for a credit line, and start planning your next splurge.
