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#421 jasperlaguitaolegacy

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Posted 30 September 2019 - 09:21 AM

baon na sa utang wag magloloan



#422 Pearl_Diver

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Posted 20 November 2019 - 01:42 PM

Masarap mag swipe medyo mahirap lang sa bayaran kapag napadami na utang.

#423 putokmolang

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Posted 27 November 2019 - 06:32 PM

which bank credit card have the good perks / promos? aside from BDO and BPI



#424 RunningFree

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Posted 28 November 2019 - 03:09 AM

Kas-kas ng kas-kas. Pag bayaran na, kamot ng kamot. Better to always bring cash for daily use. Tempting and cards, the lower the limit the better. Mabilis magpile up yan. 160k pa utang ko hahaha limit naman eh 1 mil.

#425 sirheinrichcu

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Posted 29 November 2019 - 10:25 AM

lahat ng credit cards ko max out with loans pa

grabe ang buhay



#426 benhur0000

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Posted 05 December 2019 - 08:01 PM

Metrobank maganda. Nagiincrease ng credit limit mag isa. BDO at BPI maganda pag may bank account ka sa kanila para online transactions.



#427 mrbig86

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Posted 10 January 2020 - 01:30 PM

Before getting a credit card, be sure that you have self control. You can't just swipe it anytime, anywhere, on anything you want. Otherwise, mababaon ka talaga sa utang.

 

For instance back in December during the 12-12 promo ng Lazada, a news site reported that someone shopped a total of more than 1 million worth of good from Lazada. If that's how you shop (impulsive), then probably you have to stay away from credit cards.

 

For instance, BDO was offering me their platinum card with unlimited credit limit. However, I don't use credit cards, as I prefer to pay cash/debit cards. However since credit cards are safer to use online than debit cards, I decided to get their Gold instead.

 

Basta know your limits and be a responsible shopper. No one deserves the burden of thinking about how to pay their bills day in and day out.


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#428 Colop

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Posted 11 January 2020 - 11:14 AM

any idea guys kung pano maresolve ang utang sa credit card? as far as i know yung binabayaran ko nalang e interest problem is im facing financial problem now, my worry is it will getting bigger and bigger as time goes on na sakto lang ang nababayaran ko , any suggestion mga sir?



#429 zener

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Posted 18 January 2020 - 12:41 AM

Kung hindi kayang bayaran ang total amount due, sana mas malaki sa minumum amount due. Kakainin lang ng interest charge mo yung minimum due na binayaran mo.

May iba nag ooffer na for installment ang total amount due mo.

The key is disiplina sa pag gamit.

#430 Colop

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Posted 18 January 2020 - 09:35 AM

Kung hindi kayang bayaran ang total amount due, sana mas malaki sa minumum amount due. Kakainin lang ng interest charge mo yung minimum due na binayaran mo.

May iba nag ooffer na for installment ang total amount due mo.

The key is disiplina sa pag gamit.

 Im trying to do that Sir ,kaso minsan minimum lang , as my knowledge yung buong nakuha ko e nabayran na ang monthly ko na binabayaran ay interest nalang na nag accumulate, hindi ba to pwede magawan ng paraan or any thoughts about this



#431 zener

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Posted 18 January 2020 - 09:45 AM

Sa interest po talaga sila kumikita. Para hindi na mag patong patong ang interest try nyo po yung i-avail na gawing installment ang total amount due. May interest pa rin one time na lang para di na mag accumulate.
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#432 Colop

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Posted 21 January 2020 - 04:12 PM

Sa interest po talaga sila kumikita. Para hindi na mag patong patong ang interest try nyo po yung i-avail na gawing installment ang total amount due. May interest pa rin one time na lang para di na mag accumulate.

Sir Panung i-Avail?? can you explain more?



#433 brazzerboy

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Posted 31 January 2020 - 12:54 AM

Kung hindi kayang bayaran ang total amount due, sana mas malaki sa minumum amount due. Kakainin lang ng interest charge mo yung minimum due na binayaran mo.

May iba nag ooffer na for installment ang total amount due mo.

The key is disiplina sa pag gamit.

 

I agree with the importance of self-discipline. Once you find yourself in the credit trap, it's difficult to claw your way out. Before using your CC for any transaction, make sure that you will have enough financial resources in the future to pay the debt. Otherwise, refrain from using it no matter how tempting is a certain purchase. 



#434 jasperlaguitaolegacy

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Posted 05 February 2020 - 06:43 AM

i have bpi and eastwest

 

grabe dami ko ng advance dun

help me

 

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sana manalo ang michigan wolves today



#435 tamago

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Posted 10 May 2020 - 09:15 PM

Don't use your BPI cards when you're purchasing something from an unknown source. If it isn't delivered and the seller doesn't answer, nganga na lang. BPI would keep on insisting that you have to get a cancellation notice from the seller so that the charge can be reversed.



#436 Bigshotbob32

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Posted 13 May 2020 - 03:15 PM

Don't use your BPI cards when you're purchasing something from an unknown source. If it isn't delivered and the seller doesn't answer, nganga na lang. BPI would keep on insisting that you have to get a cancellation notice from the seller so that the charge can be reversed.

 

Kasi you are talking to customer service. So limited pa din access ng mga call centers. I think you could only complain with BSP. Nangyari sa kin dati yan but binalik naman. Bkas kasi sila sila din nakakaalam ng mga details mo. So maybe they are the ones who purchased the goods. 



#437 tamago

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Posted 13 May 2020 - 05:55 PM

 

Kasi you are talking to customer service. So limited pa din access ng mga call centers. I think you could only complain with BSP. Nangyari sa kin dati yan but binalik naman. Bkas kasi sila sila din nakakaalam ng mga details mo. So maybe they are the ones who purchased the goods. 

Mas hassle pa to. But I'll try it out when things go back to normal. Kaya mostly for online purchases, I use Citibank. Mas reliable ang customer service nila, lalo na when it comes to disputes. 



#438 KID FIGHTER

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Posted 17 May 2020 - 09:31 AM

I agree with the importance of self-discipline. Once you find yourself in the credit trap, it's difficult to claw your way out. Before using your CC for any transaction, make sure that you will have enough financial resources in the future to pay the debt. Otherwise, refrain from using it no matter how tempting is a certain purchase.




Correct. At the same time, there are so many business benefits in being a good card customer. The card company offers you a big loan without questions. One company for example was instrumental in my ability to purchase 3 Toyota Vios in cash to start my taxi business. They just based my credibility on my almost 10 years of using their card here and abroad. Then they gave me a loan of 3 million. No questions asked.




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