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marco_antonio

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Posts posted by marco_antonio

  1.  

     

    All cards are the same. They are very regulated because Banks make a lot of money from the marketing shinanigans that they do wherein they literary entice heaven and hell just to think of ways for you to spend more than what you have on your bank account now. Thats basically the deal all of them give you. They seduce you into spending money you do not have. My own opinion, One credit card is enuf too many. The trick in surviving your credit card is to use it very carefully and very wisely. The other dirty secret to outsmart these shysters is to pay all your debts on time. Never age your account not a day over what is past due. Otherwise if you age your account, you get into the american debacle on the subprime housing crisis that is going on now. These hoods entrap you with a huge cascade of Interest if you default. Up to a point where they can entrap you into getting sued in court. And they have the means and motive to do this. Dont pleasure them with opportunity. The rule of thumb, spend only what you can earn and pay. Never let your account age, do not buy-into any of those loans they throw at you to spend more unless you really need it and can afford to PAY FOR IT ON TIME. Best thing is to only have one card. BPI or Citibank or Whatever BUT NOT MORE THAN ONE (1) CARD. Thats enuf for your whole family. Always centralize and PLAN CAREFULLY any kind of credit spending. Its Deadly if you screw up.

     

     

    ..........VERY WELL SAID AMIGO........

  2. In my case, I only deal with stressful things at the moment they come up, same with problems. I don't keep on thinking bout them coz' problems that bring out stress in my life are persistent and always stay in our life. So, one should deal with it at it happen and not stick to it. That way, you will not only feel at peace most of the time, but it will keep you looking young and stress - free...

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