While credit cards can be a highly rewarding financial tool to use, they come with certain controls and limitations. These measures exist to protect both the user and the provider by preventing fraud and keeping credit card companies compliant with legal requirements. Limits and controls are also ways to encourage responsible credit use among consumers, as they make it easier for cardholders to spend within their means and repay their bills in a timely fashion. This way, there’s less risk of cardholders defaulting on their payments, which is always a lose-lose scenario for anyone involved.
At Maya, we want nothing more than to equip you with tools that will make it a breeze to manage your day-to-day spending while also working toward your longer-term financial goals. Our Landers Cashback Everywhere Credit Card is designed expressly to reward the vast majority of your everyday expenses, with unbeatable cashback rates you won’t get with any other card. And to ensure that your use of the card always remains safe and secure, we have a number of reasonable controls in place. Whether you’ve only just gotten your Landers promo credit card or are considering applying for one, you can rest assured that these controls exist to help you maximize the card’s many benefits.
Your Credit Limit
When you apply for this Landers credit card, we’ll assess your eligibility for the card based on our criteria, which include but aren’t limited to your prior credit history with us, your monthly income, and others. From there, we’ll determine a reasonable credit limit to offer. The maximum credit limit you can get is around three times your monthly income. You can view your credit in the Maya app by simply following the below steps:
- Navigate to the “Cards” menu and select your credit card.
- From there, you’ll be taken to the Landers Cashback Everywhere Credit Card dashboard, where you’ll see both your total limit and the amount of available credit you have left for the month.
Setting Limits in the Maya App
Many credit card providers will allow you to set daily spending limits for different types of card transactions. Using this feature can be immensely beneficial, as it makes day-to-day financial management easier and can also serve as an extra safeguard against fraudulent transactions. The Maya app allows you to set limits for the following:
- Your daily spending limit
- Online payments
- Contactless payments
- Foreign transactions
- Cash advances
To access and manage your spending limits, follow these steps:
- Open the Maya app and go to the “Cards” menu.
- Tap your credit card.
- Tap the gauge item to open the “Limits and Controls” screen.
- Set your chosen limits. Limits reset daily at 0:00 AM Philippine Standard Time.
Foreign Transactions
You can use the Landers Cashback Everywhere Credit Card anywhere Visa cards are accepted, including for online transactions and international transactions using foreign currencies. For your convenience, we won’t even be requiring you to declare any plans for overseas travel before you can use your card. As long as your Landers Cashback Everywhere Credit Card has been activated, and as long as foreign transactions are toggled on in your limits and controls, you should be able to use it overseas.
As mentioned above, you can set a limit on foreign transactions in the Maya app to help keep your spending under control during your travels.
Cash Advances
Though no one ever wants deal with a crisis, you might find yourself suddenly in need of more cash than you currently have on hand. You could run into an unplanned medical emergency, for instance, or a sudden home or care repair that you need to take care of urgently. In these kinds of situations, a cash advance is one helpful way to get access to the money you need quickly.
The Landers Cashback Everywhere Credit Card allows you to withdraw cash advances up to 30% of your credit limit from any Visa-supported ATM worldwide. This means that you’ll have easy access to emergency cash no matter where in the world you might be. You’ll be charged a PHP 200 fee per transaction regardless of the amount you withdraw. Monthly interest is computed at 3% starting from the date of withdrawal.
Securing Your Card
Maya is fully regulated by the Bangko Sentral ng Pilipinas, which means we make it a point to always be up-to-date on security requirements for all our products and services, including the Landers Cashback Everywhere Credit Card. Even if your card happens to be stolen, hacked, or otherwise compromised, we have measures in place that will make it as easy as possible for you to cancel it and secure a replacement.
Should you notice that your card has been used for an unauthorized transaction, the best thing to do is cancel it right away. Just follow the steps below to do so:
- Navigate to “Cards” and select your credit card.
- Open your card settings by tapping the gear icon.
- Tap “Card Security,” then “Replace This Card.”
- Select the appropriate reason for replacement.
- Once Maya has successfully canceled your card, tap “Order a New Card” to request a replacement. Card replacement fees may apply.
You may also use the above process for blocking and replacing a lost credit card.
Refunds
When you ask for a refund on one of your credit card purchases, please allow up to 72 hours for us to process your request. We’ll be posting your refund directly to your Maya account. You can see the transaction details from the Maya app by navigating to your credit card dashboard and viewing your transaction history.
A highly secure credit card with comprehensive, granular controls might be just what you need to take control of your financial life. In that case, there’s no better option than Maya’s Landers Cashback Everywhere Credit Card. Apply for yours straigh on the Maya app today!
