Having your own credit card comes with a lot of perks. If you suddenly need to pay for an emergency or need to settle a big payment, it could give you some financial breathing room as you wait for your monthly salary to arrive. At the same time, frequent users also get rewards and other exciting benefits from the service provider.

Unfortunately, studies show that credit card use in the Philippines remains low. Since the application process can be very stringent, individuals who have a bad credit history or are unable to manage their finances well have little to no chances of getting one. But, thanks to innovations in the credit industry, experts in the finance sector have found more ways to make the industry more inclusive.

Today, people have more ways to pay off their debts. The infographic below will discuss credit card alternatives and financial services that can help you deal with your financial dilemma.

Credit Card Alternatives for Millennials with Zero Credit