RE; Magbalik by Callalily & Pagbigyan Muli by Erik Santos

4.1.2026

RE; Magbalik by Callalily & Pagbigyan Muli by Erik Santos

 

This is a mema i want to tell, but only those in sales will understand.

After so much reflection, aside from BIR problems, the reason im broke is that we lost a lot of regular clients this past 3 years.

 

The reason, i have to admit is my laziness or i can say burn-out. I have been working continuously (even during pandemic) for the past 20 years, burn-out & laziness got the worst of me.

 

I feel i am enslave to my small racket that evolved into a small business. I feel isolation in my computer office room working continuously to woo clients, & take their orders. 

 

Our good reputation of low cost, fast deliveries of high quality industrial items got us of bigger clients. Bigger clients are like those a client who is a leading Airline company, & like a big BPO company

 

Bigger clients means relatively bigger orders. For a small shop, a few thousand bucks of order are already big for us. At the time i got burn-out, we got some big orders that i failed to deliver because of my laziness, i did not take the efforts & action to produce the goods to deliver to the valued clients, until it is already very delayed & cancelled

 

Just think, It is like me ordering some foods, & expect deliveries since i am hungy & expecting some good food, But the ones i ordered never take action, & never delivered the items, so i never order again from them even though I am ordering from them from many years

 

Even if you are a good reliable supplier for the past many years, but then , the client trust you of a big order that you failed to act & never delivered. It is like you ghosted them, They have a valid reason not to trust you again even if you serve them well for the past many years.

Losing your regular clients means losing your main source of income, means you will get broke.. Aray ko

 

So here i am apologizing & sincerely asking for another chance, & that songs Magbalik by Callalily & Pagbigyan Muli by Erik Santos are like my theme songs as a sales person to motivate me to woo again our valued clients .

 

Just like a lover & in relationship, you will just realize the value of a regular client when they are gone..

 

So to our valued lost clients, na need ko ulet ligawan after mafile ang ITR.. This lyrics are for you..

 

Muli ay 'yong pagbigyan, ako'y nagkamali

Muli ay 'yong patawarin, ako'y nagsisisi

Alam kong ako'y nangakong 'di na mauulit pa

Ako'y nagkamali sa 'yo, muli ay patawarin mo

 

Ako ba'y 'yong yayakapin?

Nakaraa'y kayang limutin

Magtiwalang muli, mahalin mong muli

Magbalik ka sa 'kin

 

'Di ko kakayanin kung ika'y mawawala sa aking piling

'Di ko kakayanin 'pag nalaman kong wala nang pag-ibig sa akin

'Di kayang mag-isa, gustong kasama kita

Sa 'yo lang ang pag-ibig ko

 

Magtiwalang muli, ito na ang huling pagkakamali

Pag-ibig ko'y muling tanggapin

PAG-IBIG Loyalty Card plus, what is it and how to apply? 2026

PAG-IBIG Loyalty Card plus, what is it and how to apply? 2026

 

Pag-IBIG Loyalty Card Plus

The Pag-IBIG Loyalty Card Plus allows you to enjoy exclusive discounts and rewards on your grocery purchases, tuition fee, hospital bills, fuel expenses, restaurant bills and many more from our more than 500 partner-establishments nationwide. And now, you can also use it as a cash card where you may conveniently receive your Pag-IBIG Multi-Purpose Loan (MPL) proceeds, MP2 Savings dividends, and other benefits.

Powered by:

 and 

 

The Pag-IBIG Loyalty Card Plus is an upgraded transaction card that serves as a government ID, an ATM/debit card, and a discount card for Pag-IBIG Fund members. 

What is it?

The card is an "all-in-one" tool that provides several functions: 

• ATM & Disbursement: It is used to directly receive proceeds from Pag-IBIG Multi-Purpose Loans (MPL), MP2 dividends, and other benefit claims.
• Discount Card: Cardholders can access exclusive discounts and rewards at over 507 partner establishments nationwide, including restaurants (like McDonald's), grocery stores, pharmacies, fuel stations, and schools.
• Banking Features: Powered by partner banks like UnionBank and Asia United Bank (AUB), it functions as a Visa debit card with no maintaining balance and can be used for cashless shopping, bills payment, and mobile loading.
• Digital Version: A digital version is set to roll out in 2026 to complement the physical card. 

Application Requirements

To be eligible, you must be an active Pag-IBIG member with at least one contribution within the last six months. Prepare the following: 

• Two (2) Valid IDs: At least one must be a government-issued photo ID.
• Application Fee: ₱125.00 for the card fee.
• Updated Records: If you need to update personal details, bring your Birth Certificate or Marriage Certificate (if applicable). 

How to Apply

As of 2026, application must be done onsite due to the requirement for biometric data capture. 

1. Visit a Branch: Go to the nearest Pag-IBIG Fund branch or check for offsite card issuance events (mobile deployments) at municipal gyms or malls.
2. Submit Form: Fill out and submit the Loyalty Card Plus Application Form (available at the branch or downloadable from the official Pag-IBIG website).
3. Data Capture: Undergo photo-taking and fingerprint/signature scanning at the partner bank kiosk within the branch.
4. Pay Fee: Pay the ₱125 fee directly to the bank personnel.
5. Claim Card: The card is typically issued instantly or within one banking day. 

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Tips if you are from binan, laguna

If you are applying from 

Biñan, Laguna, you have a couple of convenient options nearby to get your Pag-IBIG Loyalty Card Plus. 

Recommended Branches for Biñan Residents

• Pag-IBIG Fund – Biñan Branch: Located at the Umbria Commercial Center (2nd Floor), along the National Highway in Brgy. San Antonio. It is right beside Pavilion Mall.
  • Schedule: Monday to Friday, 8:00 AM – 5:00 PM.
  • Tip: This branch is known for daily cut-offs. Aim to arrive early as they often limit the first 100–125 applicants for card capturing.
• Pag-IBIG San Pedro: Located on the 3rd Floor of Robinsons Galleria South, Km. 31 National Highway.
  • Schedule: Monday to Friday, 8:00 AM – 5:00 PM (except holidays).
  • Tip: Some members find the processing here faster or more organized than the standalone Biñan branch.
• Pag-IBIG Calamba: Located at the Ground Floor of CityMall Calamba, Brgy. Lecheria/Halang.
  • Schedule: Monday to Friday, 7:00 AM – 5:00 PM; and Saturdays, 8:00 AM – 5:00 PM.
  • Tip: If you cannot make it during the work week, this is one of the few branches in Laguna open on Saturdays. 

Local Tips for a Smooth Application

1. Commute Guide: From the Mamplasan area or Biñan Bayan, take a jeepney or FX bound for Pavilion Mall or Pacita. Alight at Umbria Commercial Center for the Biñan branch or continue to Robinsons Galleria South for the San Pedro branch.
2. Verify Contribution: Ensure your employer has remitted at least one contribution in the last six months. You can check this via the Virtual Pag-IBIG portal before heading out.
3. Prepare Exact Change: The application fee is ₱125.00. Having the exact amount ready helps speed up the payment process at the bank kiosk.

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how about Pag-ibig in victory mall santa rosa?

Yes, the 

Pag-IBIG Fund Sta. Rosa Branch is located at Victory Central Mall in Balibago. It is a very active branch and a popular choice for members in the Santa Rosa-Biñan-Cabuyao area. 

Branch Details & Services

• Location: Ground Floor, Victory Central Mall, Balibago Commercial Complex (beside the Santa Rosa Complex).
• Operating Hours: Tuesday to Saturday, 8:00 AM – 5:00 PM.
• Key Services: You can apply for the Loyalty Card Plus, file Multi-Purpose Loans (MPL), and handle membership registration or record verification. 

Application Tips for Victory Mall

• Saturday Schedule: This branch is officially open on Saturdays, which is perfect if you cannot visit during work hours.
• Arrive Early: Like the Biñan branch, there is often a cut-off for Loyalty Card capturing. Local feedback suggests arriving before the mall opens to secure a slot in the first 100 applicants.
• Prepare Your Requirements: Bring two valid IDs and the ₱125.00 application fee. If you need to update your records (e.g., change of status), bring your birth or marriage certificate to avoid being sent back.
• Check for Satellite Services: Occasionally, they hold one-day satellite events at nearby locations like WalterMart Bel-Air for even faster processing. 

Pro-Tip: If Victory Mall is too crowded, some members recommend checking the Crosstown Mall branch (Pulong Sta. Cruz) or Robinsons Galleria South (San Pedro), as they sometimes have shorter queues for card capturing