EastWest credit cardholders can take advantage of a buy now, pay later option at Thinking Tools stores. This promotion allows for interest-free installments on qualifying purchases, along with a free item for larger transactions, making it easier to acquire technology and lifestyle products.
Eligibility Requirements
- Open to all EastWest credit cardholders in good credit standing.
- Good credit standing means accounts that are not delinquent, not under investigation for suspected fraudulent activities, cards not reported lost or stolen, and no violations of the terms and conditions governing EastWest credit cards.
Key Benefits
- 0% interest installments up to 24 months on select items at Thinking Tools and PC Quickbuys stores, with a minimum purchase of Php3,000 (single or multiple items), unless otherwise stated by the merchant.
- Free Jisulife Handheld fan Life5 2000MAH for every single receipt of P30,000 and above purchased using an EastWest credit card.
- Promotion runs from May 1 to July 31, 2026, with redemption available until October 1, 2026.
Promo Mechanics
To participate, cardholders should follow these steps:
- Present your EastWest credit card at payment and inform the store representative of your intent to use the installment option or claim the freebie.
- The 0% interest applies only if you pay your total statement balance in full each month.
- Transactions are subject to EastWest's credit authorization at the time of purchase, and your card account must remain active and current.
- Offers are not convertible to cash or gift certificates and cannot be combined with other promotions, discounts, or privileges.
- The merchant decides on eligible items and installment terms.
- In case of suspension, cancellation, or payment issues, the remaining balance becomes due immediately.
- Partial payments on installments will incur standard finance charges on the unpaid balance.
- If you have other outstanding balances, finance charges may apply even if installments are paid in full monthly.
- Pre-termination of installments incurs a fee of 5% of the remaining principal or Php500, whichever is higher.
Sample Computation for 0% Interest Installments
Here is how the monthly payments work for different purchase amounts and terms:
| Item | Item Price | Term | Monthly Amortization (Price ÷ Term) | Total Amortization (Monthly Amortization × Term) |
|---|---|---|---|---|
| Item A | 5,000.00 | 3 mos. | 1,666.67 | 5,000.00 |
| Item B | 10,000.00 | 6 mos. | 1,666.67 | 10,000.00 |
| Item C | 25,000.00 | 12 mos. | 2,083.33 | 25,000.00 |
| Item D | 30,000.00 | 24 mos. | 1,250.00 | 30,000.00 |
Each fixed monthly installment is part of your total statement balance. Paying only the minimum due includes a percentage of the installment and may add interest charges. Standard terms for merchant installments from the EastWest credit card agreement apply. By participating, you agree to these mechanics.