A new payment method has emerged following the widespread use of credit cards. Online purchasing became popular during the pandemic; thus, online consumers had a high possibility of transacting with installment payments. This study aims to determine the factors affecting the purchase intent motivation of Filipino consumers using credit cards. Five hundred eighteen (518) respondents were analyzed through correlation analysis and multiple regression. Seven variables were found to be statistically significant variables through multiple regression such as Financial Literacy (p-value = 0.000), Customer Experience (p-value = 0.000), Media (p-value = 0.003), Perceived Behavioral Control (p-value = 0.000), Attitude toward the Behavior (p-value = 0.000), Social Norms (p-value = 0.000), and Competence (p-value = 0.000). The results of the study will be beneficial to cardholders, shopping establishments, financial institutions, and the Philippine government in developing regulations to strengthen the economic conditions of the Philippines.