Out of Town Blog
Curious About Credit Cards? Here’s Why Maya Black Express Is the Best Way to Start
If you’ve been wanting to get a credit card but are unsure how to begin or keep facing rejections, Maya Black Express offers a hassle-free solution. Its simple application process lets you quickly start building credit, access exclusive perks, and control your spending without the complexity and stress of conventional credit cards. As part of Maya—the Philippines’ #1 Digital Bank and Fintech Ecosystem—this card caters to the experience-driven generation. It empowers you with easy access, valuable rewards, and the tools to cultivate better money habits and a strong credit score, all while ensuring complete transparency and user-friendly features.
Here’s why Maya Black Express is your best option:
1. It gives you credit freedom, minus the stress
Maya Black Express offers the reassurance and flexibility of a credit card without the stress related to debt management. As soon as you qualify, you can activate your card within the Maya app and instantly start enjoying benefits like instant Maya Miles rewards on every transaction, complimentary airport lounge access, and the absence of any annual fees. Importantly, you control your own spending limit, allowing you to tailor your financial experience to your needs.
Each month, you will receive a detailed billing statement showing your purchases, and you can conveniently pay this bill through the Maya app. Maya Black Express goes further to protect your financial standing: if you happen to miss payments, there’s no need to worry. After 60 days of nonpayment, the Express Deposit you set up covers your outstanding balance automatically, preserving your credit score and protecting you from late fees. After this, your card account will be closed to prevent future charges, creating a straightforward, transparent way to manage your credit use and obligations.
2. Your deposit becomes your spending power
Maya Black Express offers a unique experience compared to both debit and credit cards. When you open an account, you set your spending limit through your Express Deposit, starting at just P12,500. Unlike standard deposits that remain idle, your Express Deposit stays in your Maya Savings account and earns 3.5% annual interest, maximizing your savings potential.
A significant advantage is security coupled with flexibility: 80% of your deposit is converted into a…
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