Customers qualified for GCredit will see the option to pay via GCash or GCredit on the GCash checkout page. Customers can avail of GCredit by selecting "Manage Credit" on the GCash app. Eligibility for GCredit is determined by each user's GScore, which is calculated based on the user's transaction history with GCash.
Please take note that some merchants are ineligible to accept GCredit payments. You may read more on this here.