How do I borrow credit?

1. What is Credit Advance?

Credit Advance is a service that provides emergency credit when your prepaid balance is low or insufficient.

2. Who is eligible for Credit Advance?

All CelcomDigi Prepaid customers.

3. Are there any charges for using Credit Advance?

Yes, a small service fee applies. The total repayment amount (credit plus fee) will be detailed in the SMS you receive and deducted from your next reload.

4. Will Credit Advance extend my line validity?

Yes, your line validity will be extended. The extension period will be stated in the SMS you receive.

5. How can I request for Credit Advance?

You can request for Credit Advance via SMS or USSD channels. Alternatively, you will receive an SMS offer when your credit is low or insufficient. If your line is inactive, you may receive an offer to extend validity and reactivate your number.

You can also request Credit Advance anytime by dialing *118# or by sending the relevant keyword via SMS to 22262 (subject to your eligibility).

6. How many times can I request for Credit Advance?

You can request multiple times, provided all previous outstanding amounts (including fees) are fully repaid.

7. How do I repay the Credit Advance?

Repayment is automatic—your next credit reload will be used to clear the outstanding amount (credit and service fees).

8. How will I know my Credit Advance is already paid?

An SMS notification will confirm that the outstanding amount has been deducted from your credit balance.

9. What is Auto Credit?

Auto Credit is an optional feature that automatically provides credit based on your eligibility, without requiring you to manually accept each offer.

10. Why is my balance deducted after I top up?

Any outstanding Credit Advance (including the service fee) is automatically deducted from your main credit balance after a reload. If your credit is insufficient, partial deductions are made, and the remainder will be collected from future reloads.

11. Can I request for another Credit Advance if I haven’t repaid the current one?

Yes, you can request multiple advances, subject to eligibility at the time of request.

12. Why is there a service fee even when I don’t use the Credit Advance?

The service fee is charged upon subscription to the service, regardless of usage. Refunds are not provided.

13. What factors lead to a difference in the amount offered for the Credit Advance for each subscriber?

The amount of Credit Advance offered is not fixed. It is assigned based on Celcom's varying eligibility criteria, which may differ from one subscriber to another.

14. Why was I eligible before but not anymore?

Eligibility is based on multiple factors that may change, such as reload patterns and usage history. It is advisable to reload regularly to increase your chances.

15. If my line is inactive and I use Credit Advance, can I access mobile internet?

No, Credit Advance will not activate mobile internet if your line is inactive.