I really had no interest on owning a credit card. Why would I? I could just use my bank account that I enrolled in an online banking so I can send money to whoever I wanted to. But, one day while I was shopping online, I was shocked when the modes of payment for that shop didn’t list my bank. OMG. I had no choice and need to find some alternatives. However, the shop only accepts credit/debit card or through bank transfer. Since I don’t want to get out of the house just to pay for my purchased items I had to find a way for me to have a credit card. That is only the choice that suits me.

 

Then after searching the internet, I came across PayMaya. It is reloadable virtual credit card and you can have it in your phone.

 

I downloaded mine at Google play. After signing up and providing necessary information such as a valid ID, your account is ready. I have with me a virtual card that serves as my credit card. This is what I used to pay for my bills.

 

Paymaya is really convenient for me. I like that it doesn’t have a maintaining balance unlike other banks. In addition to that, I can buy load, send load to others and access it for free ( available only for smart & talkntxt subscribers ). It is also regulated by the Banko Sentral ng Pilipinas so it is safe and secure to use. All in all, it is worth the try. For further details regarding this application, just check their website www.paymaya.com