Nagarit, Nenita B., Bautista, Susana C., Somido, Ferdinand C., Bermudo, Pedrito Jose V., Yango, Antonio R., AND Galicia, Leomar S.. " Transforming Online Negative Blogs in the Use of Credit Cards in Electronics Transactions into Constructive Action: Basis of Creating Business Spend Analyzer Model" Journal of Business & Management (COES&RJ-JBM) [Online], Volume 6(1 January 2018)