Okay! You don’t have a credit card but you really really really want to buy things online… No problemo! My friend Jules of Handheld Gaming Pinoy made a guide on buying online with paypal without applying for a credit card.

Read more if you’re interested!

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Okay guys and gals so medyo late bloomer pa ako sa mga nangyayari pero gusto ko na rin i-share ito sa ating mga members… so anyways, here I am looking for a way to buy something online. Since, I don’t have any good method of doing things, I forced myself the hard way, using Western Union… Sheesh! Their additional send price is half of the amount that I sent… So I vowed myself to never do that again. So i tried looking for a better way of doing things and I found it in the form of Paypal!

Oh wait wait wait… alam ko sasabihin niyo… wala ako credit card. Hindi ako elegible pa na magka-credit card so hindi pa ako makakapaglagay ng funds sa paypal ko much less makapag-verify ng account ko well guys, last time they were right but this time they all got it WRONG!!

I’m going to teach you a neat trick on how to process and purchase with your paypal accounts without the need for a UnionBank EON account or any other credit card for the matter but first…

Step 1: Apply for your paypal account
go to https://www.paypal.com and apply for a free personal paypal account. Just Fill up the form and configure your personal settings first such as phone, address information and etc…

Step 2: Verify your paypal account
Okay, so this is our first roadblock since they will be asking you for your credit card information but don’t worry. All you have to do is to get and use a Virtual Credit Card

What is a Virtual Credit Card?
A Virtual Credit Card or VCC for short acts like a normal credit card but disposes away the danger of exposing your identity (in case of identity theft or something) and other certain problems such as unwanted recurring annual fees.

The side effect of these credit cards however is that these cards only lasts from as long as a year to as short as one day! remember prepaid cards? yup! they are like that! Prepaid Credit Cards? Cool huh biggrin.gif

So for this step I would like you to meet an acquaintance of mine go to her Sulit ad by clicking on this link and go buy your self a virtual card for only 350.00php payable in GCash or Smart Money. These cards sold by her, very fortunately expires after one year and this person is also very trust worthy so please no low-balling and scamming okay? smile.gif

Upon payment, she will give you your Credit Card Number, Expiry Date and a confirmation code or CVV and you can immediately enter it in your paypal account as your credit card smile.gif

After that theres…

Step 3: The waiting game
Paypal will send back the Expanded Use or EXPUSE number back to the seller and she will give it you once it is ready. The EXPUSE number is needed to lift your sending, receiving and withdrawing limit and this is very important if you are planning to transact in bulk. It would take a minimum of 2 hours to a maximum of 4 working days to get this so please be patient and have her contact info ready once its ready

You got it? Good! Enter it and you’re good to go! One last step…

Step 4: Put funds in your Paypal account!
We can’t buy anything without funds in our account now can we? smile.gif so let’s go back to our favorite seller in her Sulit Ad by clicking on this link and buy your needed USD paypal funds at a prevailing exhange rate (plus a small fee) again using either GCash or Smart money and she will transfer your requested funds to your paypal account

And finally…

Step 5: Go out there and use your paypal funds!
Buy or spend it online! If you need more funds no need to go back to step 2 and 3. Just do Step 4.

There you have It. I hope you have learned from my guide and I wish you luck in your online shopping! If you are a Sulit.com.ph member, Please do not forget to give her a positive feedback for all her troubles.

Good Luck!

Jules
HGPinoy Admin
***Guide End***