July 9, 2025

Average Credit Card Debt in the Philippines 2025

We are spending four times what we are earning.

Our credit card borrowings in the Philippines has reached a “critical” risk level, with the average cardholder has more than four times their monthly income, according to a report by Singapore-based fintech firm Roshi Pte Ltd.

The company, which operates as a regional loan marketplace, examined credit card borrowing trends across Southeast Asia. It found that the Philippines had the highest debt-to-income ratio in the region, at 425%.

“This far exceeds regional norms and suggests potential financial vulnerability among Filipino cardholders,” Roshi said in its analysis.

In the Philippines, average credit card debt stood at SGD2,092 (approximately PHP92,800), while the average monthly income was pegged at just SGD492.26 (PHP21,900). This stark disparity, the company said, indicates “severe financial stress” among borrowers.

This has to stop.

Kapag hindi tuturuan ang mamamayan, it’s a slam dunk financial misery ng bayan!

Published on

July 9, 2025

Yaman Staff

Categories: 🗞️ News Releases

Tags: Advocacy Cooperative Philippines, Yakap Sa Mamamayan, Yaman Cooperative

One response to “Average Credit Card Debt in the Philippines 2025”

Kevin Laroza

July 14, 2025

Reply

Akala ko dati, okay lang gumastos basta may pambayad “sa susunod.” Pero dumating yung point na lumaki na yung utang ko sa dalawag credit card ko—mas malaki pa sa kinikita ko. Dun ko narealize: hindi na ‘to healthy. Stress na, guilt pa.

Sabi nga sa balita, apat na beses na mas malaki ang ginagastos natin kaysa sa kita natin. Nakakatakot ‘pag tuloy-tuloy, kasi dulo nito: utang, kahirapan, at burnout sa work, sa buhay.

Pero natutunan ko na ang tunay na flex ay yung marunong humawak ng pera. Hindi yung pa-bongga ngayon, pero puyat sa utang bukas. Mas masarap sa feeling ‘pag may peace of mind at walang hinahabol na due date.

Ngayon, gumagastos na lang ako ayon sa kaya ko. Kasi ang tunay na YAMAN ay may ALAM. 💡

Kung dumadaan ka rin sa ganitong sitwasyon, gusto kitang imbitahan na kilalanin ang Yakap sa Mamamayan (YAMAN) Advocacy Cooperative.

Dito, sama-sama tayong natututo kung paano maging mas matalino sa pera—mula sa budgeting, pag-iwas sa utang, hanggang sa pagbuo ng mas maayos na financial future.

👉 Tara, alamin ang YAMAN. Baka ito na ang simula ng mas magaan at mas siguradong bukas para sa’yo. – K. Laroza

#YamanAyMayAlam
#BudgetIsLife
#YakapSaMamamayan
#TunayNaFlexAngWalangUtang