Naa kaila dinhi na priso kay wala ka bayad sa credit cards?

[mutyaks]

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walay mapriso anang credit cards uy sa mahadlok lng ana mga law firm na ilang giatasan sa pagcollect kay naa mn na sila porsyento if makolekta nila..

[Crinkles11]

utang dapat bayran.

[semajko08]

salamat, naa man gud panahon na dli gyd nato mahibaw an, dli ta ka update ug bayad, nya mag cge man kadako. gi try namo settle na mogamay, dli man sila mosugot, nya daghan ko mabasahan na madugayan dw sila ra mo offer pd ana na settlement, na pabayron ka fix monthly for 3 years, ang uban kay half sa total na utang na, murag less na sa interest, basta mabayaran lng.

salamat sa mga info.

[thadzonline]

di ka mapriso tungod ana TS, pero imo credit rating maapektuhan..sige lang, after a while ma purge off the computers ra pod gihapon na imo name sa list of delinquents especially if daghan ang mo default pod.

kung hadlaon ka nga ipakiha, ingna lang go ahead. Most likely di na sila mokiha for the ff reasons:
1. ang kanang nanawag nimo nga collector di na na makadawat ug commission kung maabot na ug kihaay. They can only file a civil case for non-payment, not a criminal one(unless you committed fraud)

2. it will actually expose the bank or financial institution for more losses. They know that the reason you defaulted is di na nimo kaya, even if they win sa civil case, if di ghapon nimo kaya bayaran, tabla sila, niggasto pa hinuon sila ug bayad sa lawyers

3. Several mechanisms to mitigate their losses such as bad debts, e.g. credit card defaults, actually exist. Pwede ra na nila i deduct as expense sa ila income tax filing

[makie]

If you have credit cards, make it a habit to pay it quick.

*Credit card interest rates are normally 3.5% a month which is around 42% a year
*There are hidden fees/charges

If you pay the minimum, you'll end up paying for the interest only (and probably just a very small part of your debt). Always pay above the minimum and if possible, settle all your debt while it is still early. Credit card companies will encourage or tell you that its ok to pay only the minimum because they're earning a lot.

Keep only a single credit card for emergency purposes. By emergency, that doesn't mean and include buying new gadgets, a pair of shoes, or a bag.

Having a credit card requires a lot of discipline. If you think medyo kuwang imong disiplina when it comes to spending, better stay off credit cards. Credit cards are not forms of additional income. In fact, its a form of additional headache if used improperly.

[necrotic freak]

The Golden Rules on Credit Cards Paranoia:

Rule No. 1 – If you cannot pay, don’t
Rule No. 2 – Prioritize your need ; not their greed
Rule No. 3 - Don’t let them control your life. It’s your life
anyway
Rule No. 4 - Disregard.. .delete...Dedma (final demand letters)
Rule No. 5 - Dare To Fight Back ; Dare Their Bluff (they file a case)

[thadzonline]

TS, nawa wa gihapon ka mapriso noh? hahaha

[cebudoneforyou]

Use your credit card for asset purchases not for liabilities.. If walay disciplina sa spending sakto na atong ubang mga contributors nga yaw ug gamit ug credit card kay mabaon ka sa utang.. Which is ang pangbayad sa utang ato na nga future income nga possible nga dili pa moabot na siya nga income.. Ultimate goal is to eliminate debts... dili accumulate debts..