Salas St. ago. Before confirming your delivery, tap on the payment icon to switch your preferred method. (L-R) GCash Chief Marketing Officer Neil Trinidad, GCash Head of Commercial Sales and Operations Luigi Reyes, GCash Chief Commercial Officer Ren-Ren Reyes, GrabFin Philippines President Martha Elaine. SPEND LESS and EARN MORE. Because of these relatively low fees and exchange rates, we recommend Remitly for all users looking to save money when sending to GrabPay in the Philippines. GrabPay casino sites in the Philippines are becoming more popular, as well as the convenient payment service GrabPay. Users will be able to link their GCash and GrabPay accounts, similar to enrolling debit or credit cards for online payments. GrabPay’s user base continues to grow by 30% every quarter. User will be rewarded with P100 off GrabCar or P100 cashback with P1,500 minimum purchase amount. Unlike banks and online payment systems like PayPal, money. HSBC do apply 200 QUASI FEE to GrabPay Top-up transactions. We offer GrabPay Wallet in Malaysia, Singapore, and Philippines. With regards sa mall purchases, I think hindi. 2nd-Best: Remitly. Without a doubt, the best way to send money from the US to GrabPay in the Philippines is to choose an online money transfer provider that supports GrabPay payouts in the Philippines. For succeeding transactions, users will just have to. Points you can use to pay for your grab rides, orders, or shopping! Switch to the Sulitest!View transferable and non-transferable balances. Filipinos are among the world's most avid internet users, leading to the surge in eCommerce in the Philippines. Domestic wallets GCash and PayMaya are expected to have many more users than superapp GrabPay or PayPal come 2025. Step 3. What sets Alipay apart from other e-wallets is its focus on financial services beyond simple payments. Philippines-based Maya (renamed from PayMaya) is the all-in-one money app for every Filipino. Ortigas Center, Pasig City, Philippines. Ang card na magagamit mo sa pang-araw araw at mas mapapadali ang pag-cash out ng iyong kita. GrabPay — a wallet by the eponymous ride-hailing service who launched the digital-first GrabPay card last year in partnership with Mastercard To understand e-wallets usage in the Philippines better, we analyzed transactions processed on our payments platform to gain insight into the different amounts of transactions made using each. Cris is a marketing leader specializing in integrated marketing communications, marketing strategy and operations, and advertising solutions development. You can continue to earn points through GrabPay transactions made in-app and through other direct online acceptance channels. GRABFOOD200 Show Coupon Code. Choose GrabPay as your payment method. Easily track if you’re earning GrabRewards points for your selected Grab payment method by checking it during the checkout flow. It is developed by Grab Holdings, a Southeast Asian ride-hailing and logistics company. Or contact us for help on your account, past trip or order issues. Input the amount you wish to transfer. H&M. Grab invited media to take the "Safer Way to Pay Challenge" to encourage use of cashless transaction features on its mobile application amid the COVID-19 outbreak. How does it work? Open up the app and click on the Menu bar at the top left corner of your screen. Great array of bonuses. Or contact us for help on your account, past trip or order issues. SM Supermarket. Choose GrabPay Philippines, if there’s an option for it. ) is the top Finance App in the Philippines. Remember that with Remitly, you can only send up to $2,999 within 24 hours, $10,000 within 30 days, and $18,000 within 180 days when sending to somebody's GrabPay account in. Experience hassle-free cashless payments for your GrabCar rides, GrabFood orders, and GrabExpress deliveries. spend P800). Enter your SingPass credentials. Campaign period is from 15 January 2022 (12:00am) – 28 February 2022 (11. License (s) - Philippines. The Register also understands attempts to refund customers using Grab's own GrabPay payment scheme also proved less than successful, because not all Grab customers use Grab's e-wallet. You’ll need to enter your card details. 3. 5-2% for depositing funds. MANILA, Philippines — Jakarta-based financial technology firm Xendit has partnered with electronic wallets PayMaya, GCash, and GrabPay amid the changing landscape of the local payment system. Edit: Processing fee apply only for FX transactions lang and cross border transactions, 2% and 1% respectively. Grab Philippines. Grab today announced the next step in its partnership with SM Investments Corporation (SMIC), one of the leading. The bills I'd like to pay are Pag-IBIG housing loan, Meralco, Maynilad, Smart postpaid and Converge. $0 transfer fee. Outperformed Q1 GMV and TPV guidance for deliveries, mobility and financial services; GMV of $4. ago. Dedicated mobile app. agf212121 •. Australia and New Zealand Banking Group Limited. GrabPay is the official e-wallet service of Southeast Asia's everyday superapp, Grab, and is also the most rewarding e-wallet in the Philippines which allows its users to earn GrabReward Points. Fill in your debit or credit card information and verify details. Cebu Office: 5F Park Centrale Building Jose Maria del Mar St. Follow on-screen instructions. Magdownload at gumawa ng DiskarTech account at gamitin ang Negosyantech Code: AAXF5761 para makakuha ng Php20 cash credit para mabili ang RideSafe20. For example, HSBC Cebu branch has a SWIFT code of HSBCPHMMCEB, with CEB as the local branch code. Select the bank account you wish to use for topping up/cashing in. Gcash to GrabPay. sectors in 480 cities in eight countries in the Southeast Asia region – Cambodia, Indonesia, Malaysia, Myanmar, the Philippines, Singapore, Thailand and Vietnam. Pero for online transactions pwede, keep in mind na may processing fee po si Grab pay card per transaction. Tap 'Set as primary' and start booking your rides! Book a ride now. Manila, Philippines – Grab, the leading on-demand transportation and mobile payments platform in Southeast Asia, today launched its new peer-to-peer (P2P) fund transfer feature. The offer of “RM8 rebate” is limited to a total of 62,500 redemptions throughout the campaign period. Make payments more rewarding with GrabPay —a mobile wallet that you can use do cashless payments for Grab services and more all within your Grab app! Enjoy. Forward Together. With the limitations and restrictions due to the COVID-19 situation, Grab has provided a solution that will make acquiring of basic necessities easier. 2M partner merchants and social sellers;. 3. Our food store suffered as we are hoping from Grab for our sales. Link your Grab account with the partner account. 18 someone from Grab sent me a message and resolved the issue. To send money from Maya to GrabPay Philippines, follow the step-by-step process below. Step 4: From there, simply choose across BDO, BPI or Unionbank, input your online. If you cash in to Grabpay via credit card, that balance is non-transferable (cannot use Instapay to move it out). In Malaysia, there are early entrants such as Fave, Boost, and Grabpay. 3. Pay for purchases at participating The SM Store branches using GrabPay to enjoy P100 GrabCar or P100 cashback voucher. ”. 1. 11. grabpay_PH if the shopper is in the Philippines and is paying with Philippine. Soon, more joined the motley crew, including Touch ‘N Go (TNG), Maybank’s MAE, as well as China’s stalwarts Alipay and WeChatPay. The strength of GrabPay lies in the fact that all transactions are done via a native mobile app. Maaari niyong gamitin ang balance niyo sa wallet na ito para mag remittance request, mag top up ng Credit Wallet niyo gamit ang Cash to Credit feature at mag-laod sa inyong passenger gamit ang Load GrabPay to Passenger. Book Now From 24 October 2022 onwards, GrabPay Card transactions will cease to award rewards points. You’ve already seen my one week going cashless challenge, now let me guide you through the entire GrabPay app and how you can use it for your everyday online. 4. Types of Games - Slots, Instant Games (bingo, scratch cards, keno, etc. The bills I'd like to pay are Pag-IBIG housing loan, Meralco, Maynilad, Smart postpaid and Converge. Regulated by the central bank of the Philippines (BSP), the GrabPay digital card can be used to make purchases online, pay for digital subscriptions, and make local and global transactions. The GrabPay Card is designed with no numbers printed on the front and back and only you can access your card details in-app. 4. PesoPay offers e-wallet payment services that allow businesses to accept online payments via GCASH and GrabPay electronic wallet accounts. Step 3: Select ‘Linked Bank Account’ among the cash in options. Short Summary. Whether it’s petsa de peligro, or there’s just no ATM in sight, customers can now opt to do the things they love like having food and gift deliveries via GrabFood and GrabExpress, grocery shopping through GrabMart, or quick trips to the mall via GrabCar. Simply select your biller, enter your account details and bill amount and proceed to. We offer essential everyday services to over 670 million people across Singapore, Indonesia, Malaysia, Thailand, Philippines, Vietnam, Cambodia, and Myanmar. Campaign period is from 15 January 2022 (12:00am) – 28 February 2022 (11. GrabPay allows millions of its users in the Philippines to hail taxi rides, send money to their friends and family, pay bills, buy food, pay at thousands of retailers across the country and the world, and do so much more. Downloads: 100+ million (as part of Grab app). Not only that, but GCash also allows users to transfer their funds to PayMaya as well. Good news Grabbers! We partnered with VISA Philippines and this means extra perks for VISA cardholders. He lives and breathes pop culture and technology. Then, tap ‘Proceed’ to launch GrabPay. 59pm). Set up your store on Grab in as little as 3 days. Nagbayad na ako sa gamit cc tapos siningil pa ng rider yung recipient nung item. norgin_DQ • 2 yr. No. Works like prepaid card, you need to top up your grab credit, ginagamit ko sya para di ko na gamitin yung main CC ko for online transaction, you'll earn both grab points and. saengjan • 1 yr. Affectionate-Sir9680. This section will show you the top virtual pay cards in the Philippines that you can check out. It supports transfers to GCash in the Philippines from the USA, Canada, UK, Australia, Singapore, Italy and the Netherlands. We hold ourselves responsible to the environment and socio-economic development of this region, not just for today, but also for the future. Remitly is a US-based remittance platform that has been the cheapest money transfer service to the Philippines on Monito's comparison engine from August 2021 to August 2022. His career has focused on the mobile category from devices and access to content and services. GrabPay Card (powered by Mastercard) – works like a debit card and accepted by millions of online merchants worldwide (that allows users to use their GrabPay balance anywhere). GCash is currently the leading e-wallet app in the Philippines. Cash-in from CC to GrabPay Cash-in from GrabPay to ShopeePay Transfer funds from ShopeePay to banks/e-wallets Gusto ko lang sana ma-maximize yung usage ng credit card. 4. AFAIK no hotline exists. However, once a game leaves the PC Game Pass catalogue, you will need to purchase a digital copy from the Xbox app or the Microsoft Store, insert a disc, or obtain another form of entitlement to continue playing the game. 20% OFF. Or contact us for help on your account, past trip or order issues. 59pm). I've done this via my BDO AMEX Card and noticed that I'm getting this random PhP200 fees. MANILA, Philippines — Jakarta-based financial technology firm Xendit has partnered with electronic wallets PayMaya, GCash, and GrabPay amid the changing landscape of the local payment system. Offer is valid. 1133+ games. Broken down, the anti-trust watchdog imposed a P6-million fine on Grab. So for example, if you spend $100, you could get the value of $1. July 13, 2020 – Manila Philippines — Staying true to its commitment to provide convenient and safer payments, Grab, the leading everyday app in Southeast Asia beefs up its GrabPay service by allowing seamless and real-time tracking of cash-in and cash out transactions to and from the GrabPay wallet, powered by InstaPay. 2% back in GrabRewards points (or up to 6 GrabRewards points per S$1 spent) for every PayLater transaction. 9. Wallet Account Number (Philippine mobile number registered at the wallet account, no need to. You thought same-day transfers were fast? Think again. GrabPay is the collective umbrella term for all of our payment services, such as payments via credit/debit cards, partner wallets (e. Introduced by Globe in the Philippines in 2004, GCash is an internationally-acclaimed micropayment service that transforms the mobile phone into a virtual wallet for secure, fast, and convenient money transfer. It is worth checking on each site separately or contacting the support service. Use your preferred payment option: You can purchase the GrabUnlimited plan using either your GrabPay wallet,. Drive Southeast Asia Forward with us. GCash and Grab mark their milestone partnership with GCash available as a direct payment option in the Grab app by February. With a GrabPay card, you can make both online and in-store purchases that will be charged to your GrabPay wallet. :) elielsarmiento. Interest rates vary depending on the loan product you choose to avail. ago. comments sorted by Best Top New Controversial Q&A Add a Comment. Coupon Code. Your wallet can also be used for online payments to Zalora and other partners as well as in-store payments. Book door-to-door taxi in Philippines with a. JM's highest stat is probably his curious ardor to anything tech—electronics and gaming in particular. 69K Members. Also known as “mobile wallets” or “e-wallets,” digital wallets are typically developed by fintech companies that offer a host of modern financial services to customers. Grab has removed a major GrabPay bugbear by making it possible to transfer funds out of your GrabPay wallet and into your bank account. The carpooling service – which had its pilot run in Makati, BGC, Manila and select areas in Ortigas in. I was also able to load directly to Grab Pay using my credit card. Forward Together. Gcash all the way. SEC Reg. ), Live Dealer Games. His career has focused on the mobile category from devices and access to content and services. Because of these relatively low fees and exchange rates, we recommend Remitly for all users looking to save money when sending to GrabPay in the Philippines. The offer of “RM8 rebate” is limited to a total of 62,500 redemptions throughout the campaign period. GrabPay is an e-Wallet payment method within the Grab apps. GrabPay PH: Frequently Asked Questions FAQ #1: Where Can I Find GrabPay on my App? Balance: Where you can access you GrabPay wallet and view. • 1 yr. Level 27F/28F Exquadra Tower, Lot 1A Exchange Road corner Jade Street, Ortigas Center, Pasig City, Philippines. Provide your legal name that is provided on your valid ID. Follow us and keep updated! Philippines. Linking successful! It’s even easier to pay for it with GrabPay. They might have tons of convenience fees, but we’re more about keeping it inconvenience free for you. GrabRewards. GrabPay. No GrabPay Card transaction shall be permitted which would cause the users to hold zero or a negative balance in their GrabPay Wallet. 1133+ games. Grab Philippines. 20% OFF. Use Grabpay for groceries at SM Supermarket, and use the much shorter Prestige line (open for Grabpay payment). With regards sa mall purchases, I think hindi. 2% of the amount - 711 ₱15/txn - OTC(SM, Palawan, Robinson etc. Abad St. GrabPay is widely accepted across a range of online gaming platforms, making it a convenient and hassle-free payment option for online gamers in the Philippines. Maari kang ma-assign sa 2 pickup methods: 1) pick-up sa SM o 2) pick-up sa GDC. G-02 Ground Floor, Block A, Axis Business Campus, No 13A & 13B Jalan 225, Section 51A, Petaling Jaya, 46100 SelangorBecause of these relatively low fees and exchange rates, we recommend Remitly for all users looking to save money when sending to GrabPay in the Philippines. In this case, the registered phone number is the account number. Follow us and keep updated! Philippines. Go to the menu and tap “Payment. GrabPay Philippines. Alipay is a mobile e-wallet app that originated in China and has since expanded to other countries, including the Philippines. Choose GrabPay Philippines, if there’s an option for it. Likewise, a PHP 15. This option kicked in on Feb 8 2021, and it changes the. Make sure that your mobile wallet is already activated. Available in Metro Manila and. Forward Together. I transferred funds to my Grab account months ago and the money wasn't credited immediately. Select your pick up and drop off points. Users will be able to link their GCash and GrabPay accounts, similar to enrolling debit or credit cards for online payments. With GrabPay, users can purchase grocery items, personal care products, and soon, even medicines, from specialty stores and well-known retail partners such as Robinsons. Before this happened, I cash in my grabpay account using my credit card. Seamless payments for Grab services. Gain exclusive insights to drive business growth. One of the most recognizable lifestyle "Superapp" in Southeast Asia boasting over 100 million users, GrabPay offers a variety of services including ride hailing, food and grocery services, hotel and travel recommendations, investment and insurance, and online payments, with each consumer activity supported by a robust GrabPay rewards and. Use of the GrabPay Wallet. Step 1. Here are the codes of all the major banks in the Philippines: Bank. It will be different from the real exchange rate, which is the rate you see on Google or Reuters. ), Live Dealer Games. Option 1: Remitly. But if you used cash from say, a deposit account or GCash, you should be able to transfer it out to a bank [email protected] to Activate your GrabPay Wallet Account. is a Singaporean multinational technology company headquartered in One-North, Singapore. Additionally, the Philippines eCom market is. Makati City SUN – MON | 9:00am – 6:00pm Room 204, 507 Trina Place Bldg F. But our. Domestic wallets GCash and PayMaya are expected to have many more users than superapp GrabPay or PayPal come 2025. You can only spend it by using the Grab platform or using Grab debit card. Registered GrabPay merchants as of Q2 2021 nearly tripled compared to Q2 2020. Choose “Set up GrabPay wallet. [1] The Global Findex Database 2014, Measuring Financial Inclusion around the World, the World Bank Group, URL . Maya. Visa & Mastercard. This post is brought to you by Grab. Using Remitly to send money to GrabPay from the US 02. Simplify your daily transactions by accepting cashless payment. With GrabPay, you’ll enjoy $0 transfer fees and competitive exchange rates. In general, many excellent providers offer this service, including WorldRemit, Remitly, Skrill, and others, but depending on your exact transfer. Although legacy platforms are usually more. PHOTO BY Alipay. Grab already disallowed third parties such as Shoppeepay to cash in using their virtual Grabpay card. Introducing GrabBenefits. Customers will have the option to pay for their orders via their GrabPay e-wallets in-store and in-app, giving them more ways to earn GrabRewards as well as Starbucks Rewards. I-click ang tatlong tuldok dahil nandito ang GrabPay option. “Now Filipino GrabPay users can enjoy a seamless digital payment experience through the GrabPay Mastercard. ” Enter and submit the required information. With these Grab’s collaborations, users may now make instant cash-ins to GrabPay wallet for free by linking their bank accounts or by visiting. Input the amount you wish to transfer. How to send money to a GrabPay Philippines account. Thanks for the info! I'll check Shoppee pay nga. Grab reminds Filipinos that they can use the app to cash in and out of crypto exchanges. Aside from the safe, secure and hassle-free transactions GrabPay passengers get, VISA cardholders are entitled to get special promos and discounts. (Up to a maximum of PhP 500. These vouchers do not apply to Mix & Match merchants. It allows users to make payments, split bills with friends, and earn rewards for transactions. , May 23, 2023 How To Use Grab In Philippines: 5 Easy Steps For First-Timers Hello, or as we say in Tagalog, “Kumusta!” You’re curious about how to use Grab in Philippines,. Hi, creator of the sheet here. In case you ask how to pay Zalora using GrabPay or others, here some of the Zalora payment methods Philippines that you can use in Zalora. The GrabPay wallet is licensed and regulated by the Bangko Sentral ng Pilipinas (Philippine Central Bank). Discover exciting Grab Rewards & Promos & Subscriptions now. It was later rebranded to GrabTaxi. June is Grab’s 10th Anniversary here in the Philippines! From our vision of making commuter experience better with GrabTaxi and GrabCar, we now have GrabFood, GrabMart, GrabExpress, and GrabPay created with the goal of providing daily convenience and comfort for the entire community. ” To close out 2017, GrabPay onboarded a total of 1,000 merchants in Singapore, reaching its target a mere two months after launching its in-store and in-restaurant payments service. In the Philippines, eWallet landscapes are fast changing and dynamic, as new players enter the market and new features are introduced regularly. To link your BDO, BPI or UBP account to GrabPay: Step 1: Tap on ‘Payment’ on the bottom navigation bar of your Grab app. 1. Forward Together. Competitive exchange rates. Follow us and keep updated! Sign Up Sign Up Download the Grab Driver App Download the Grab Driver App Overview Grab Financial Group (GFG) offers a range of simple and seamless payment…. If you’re at least 18 years old and a legal resident in the Philippines, you are eligible to upgrade your account and get your digital GrabPay Mastercard for free. From 24 October 2022 onwards, GrabPay Card transactions will cease to award rewards points. Singapore Malaysia Indonesia Thailand Vietnam Philippines Myanmar Cambodia. GrabPay earlier announced its mobile prepaid top-up feature in partnership with local telco companies. cor. Select your GrabPay balance as payment method. Сlick the “Deposit” button in the right top corner of the screen. We're building a financial operating system for businesses in the Philippines, starting with payments. If you’re at least 18 years old and a legal resident in the Philippines, you are eligible to upgrade your account and get your digital GrabPay Mastercard for free. Option 1: WorldRemit. GCash. Discover exciting Grab Rewards & Promos & Subscriptions now. com. ago. Remember that with Remitly, you can only send up to $2,999 within 24 hours, $10,000 within 30 days, and $18,000 within 180 days when sending to somebody's GrabPay account in. Reply reply. Without a doubt, the best way to send money from Croatia to GrabPay in the Philippines is to choose an online money transfer provider that supports GrabPay payouts in the Philippines. Hanapin ang GrabPay at i-click ito. Type the recipient’s account number and name. April 20, 2020, Manila, Philippines — Grab, Southeast Asia’s leading super app, continues to offer ways to serve the everyday essential needs of Filipinos through the launch of GrabMart. With tight competition between different players such as GCash, Maya, and GrabPay, the payment landscape in the Philippines have become heavily fragmented. Option 1: Remitly. The company was initially founded in Malaysia under the MyTeksi brand in 2012, offering ride-hailing services. Then, tap “Add Payment Method” and choose “Credit or Debit Card. Unit 3308, High St South Corp Plaza Tower 2 26th St and 11th Ave, Bonifacio Global. Based in Singapore, Huey Tyng brings on board. Grabpay. In the SOA, it just shows empty biller name and transaction details lmao. Log in to your Security Bank Mobile App. Cris is a marketing leader specializing in integrated marketing communications, marketing strategy and operations, and advertising solutions development. Local Payment Methods and Rising Complexities for Businesses. GrabPay users are eligible for a “RM8 rebate” in your “My Rewards” when you spend a minimum of RM88 on a single receipt via GrabPay Wallet. 3. Grab Biga10 Anniversary. (L-R) GCash Chief Marketing Officer Neil Trinidad, GCash Head of. If there are insufficient funds held in the GrabPay Wallet to pay for a. Follow us and keep updated! Philippines. Appointment will enable the Grab payments platform to scale faster when the GrabPay e-wallet expands across SEA in 2018. Published by Statista Research Department , Oct 4, 2023. GrabPay is part of a portfolio of services operating under Grab Holdings Inc. Level 27F/28F Exquadra Tower, Lot 1A Exchange Road corner Jade Street, Ortigas Center, Pasig City, Philippines. By 2026, the Philippines’ digital payment sector plans to support 58. Swipe up to see payment methods. Available in Metro Manila and. 10. Enter the One-Time Passcode from SingPass. BenJason76. ph) In the ever-evolving landscape of digital transactions, GrabPay is one of the names that stand out. 2% back in points. hmm. Withdrawal fees can range from 150 PHP to 250 PHP, depending on the casino. In this article, we will show you how to easily transfer money from GrabPay to GCash, a popular e-wallet in the Philippines. Here. 2. Unexpected Savings With Grab Christmas Sale 2023! Embrace the festive. How to pay for GrabExpress deliveries. Click on a tab below to learn more about GrabPay. • 1 yr. Payment methods available at this casino are Gcash, Credit/Debit cards. – Rappler. Step 2: Once you are redirected to the following screen, ‘Cash In’. Grab Philippines has linked up with the Bangko Sentral ng Pilipinas-initiated QR Ph codes for more interoperability. Grabbers come from all over the world, and we are united by a common mission: to drive Southeast Asia forward by. 11 Grab promo codes from Rezeem. It will be different from the real exchange rate, which is the rate you see on Google or Reuters. Because of these relatively low fees and exchange rates, we recommend Remitly for all users looking to save money when sending to GrabPay in the Philippines. Maglagay ng amount na kailangan para sa iyong transaction. Grabpay will only charge 2% if you use it for foreign currency other than peso. To link your BDO, BPI or UBP account to GrabPay: Step 1: Tap on ‘Payment’ on the bottom navigation bar of your Grab app. Ease of Installation: 4. They will have to enter it into the field. 2. There are guides online about this process, but I suspect Gcash and Grab have fallen out of love and so it no longer. Option 2: Legacy Providers. We understand how important. Level 27F/28F Exquadra Tower, Lot 1A Exchange Road corner Jade Street, Ortigas Center, Pasig City, Philippines. SEC Reg. Uniqlo. In addition to GrabPay Credits, passengers can now choose to pay in cash or make cashless payments for rides with credit and debit cards in the Philippines. “We’re thankful to have this opportunity to work alongside Mayani and DTI Region 2, and we encourage more. | Grab is Southeast Asia’s leading superapp, offering a suite of services consisting of deliveries, mobility, financial services, enterprise and others. The casino launched in 2023. Now, redeem away!To top up prepaid load through Grabpay, users can follow these steps: Along with this feature is a new app called Grab Superapp which enables quick access of GrabPay wallet, Grab services, and personalized news feeds where they can check news, reviews, entertainment, nearby restaurant recommendations, play games, and exclusive. r/PHCreditCards. Forward Together.