Credit Card Talk

[Eddy Syet]

 

Syet ano nirereason pag magpapawaive ka ng CC? TIA

 

I'm a big spender (I pay my utility bills and monthly groceries using cc) kasi so I'm banking on that. I just tell them that I've been with them for so long and have done business with them for so long and I'm sure that I have an outstanding credit rating. So if they won't waive my annual fee, they can just close my account. I have other credit cards.

[Boss James]

If you want magkaron ng credit card. Magcreate ka ng Savings Accound mo sa BDO. Tapos ilang months ng pagiging active ng account mo papadalhan ka nila ng credit card without applying sakanila hihihi!

[djsinple]

Metrobank credit card panrin ako.

[mngkulas]

pards anong pinaka recommended na credit card?

[3mpathicMan]

Hirap lng sa credit card is ang daling mabaon sa bills.

 

I tend to list my credit card purchases on my phone so I can keep track.

[philnightlife]

You guys can also try Prepaid Debit Cards from banks...lots of them out there based from research hehe...you can manage your spending better without borrowing money from banks

[dan_rufus]

You guys can also try Prepaid Debit Cards from banks...lots of them out there based from research hehe...you can manage your spending better without borrowing money from banks

I love my e-prepaid card from BPI

[joshua_sx1]

ANO BA ANG NANGYAYARE SA MGA TUMATAKBO SA CREDIT CARD?????

Eh di hinahabol ng mega credit card companies.

[dirk.diggler]

ANO BA ANG NANGYAYARE SA MGA TUMATAKBO SA CREDIT CARD?????

 

I think the banks have a common file of delinquent users so they would know who they would black list. I could be wrong though.

 

Citibank hires a third company to run after those who have outstanding debts. A friend of mine used to work there. They would call their delinquent clients pretending to be a lawyer & harass them. Threatening them that they would bring people to pull out appliances/furniture if he doesn't pay.

 

Ang alam ko walang nakukulong sa utang. Except if you gave PDC checks that bounced.

[SpaceGrey]

 

I think the banks have a common file of delinquent users so they would know who they would black list. I could be wrong though.

 

Citibank hires a third company to run after those who have outstanding debts. A friend of mine used to work there. They would call their delinquent clients pretending to be a lawyer & harass them. Threatening them that they would bring people to pull out appliances/furniture if he doesn't pay.

 

Ang alam ko walang nakukulong sa utang. Except if you gave PDC checks that bounced.

thank u sir dirk? anyone here na may alm fast approval or fixer to get ccard??

[Google]

 

I think the banks have a common file of delinquent users so they would know who they would black list. I could be wrong though.

 

Citibank hires a third company to run after those who have outstanding debts. A friend of mine used to work there. They would call their delinquent clients pretending to be a lawyer & harass them. Threatening them that they would bring people to pull out appliances/furniture if he doesn't pay.

 

Ang alam ko walang nakukulong sa utang. Except if you gave PDC checks that bounced.

 

there is a common database mandated by BSP. its called CMAP.

[Agentsmith07]

 

there is a common database mandated by BSP. its called CMAP.

 

how can we access CMAP?

[BMC]

Kung malaki na ang utang sa credit card, I suggest you take a back-to-back loan on your savings and payout your credit card bill, one time-big time. Credit card companies charge as much as 3% per month on outstanding balance.

 

Credit is cheap, meaning interest rates on loans is low. Restructure your debt to a point you can get out of it.

 

I suggest a 1:1 ratio of debt to savings. Do not overspeand.

[Google]

 

how can we access CMAP?

 

you can't as an individual.

it is only open for lending and banking institutions.

[dannyd]

thank u sir dirk? anyone here na may alm fast approval or fixer to get ccard??

ask mo yong cc agent else approval are base sa credit rating mo.