if di ka bayad imo credit card ok ra?

[franz]

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ako, waive na pud sa citi ang annual fee hehehe ako man unta ipa-DC kung di nila i-waive

[pnoize]

this is the thing i don't understand about people who use credit cards, why get them in the first place when you know you could not pay your debts?

here in the phils., I never had a credit card and probably never will apply for one. I've always paid everything in cash and in case i don't have money, i just don't spend. if i want to buy something, i save. easy. no debts, no worries.

my wife and friends keep telling me that i should get one? what for? i've been living a debt-free life and i don't really think i should start indebting myself.

[franz]

actually i've been planning to disconnect my cards.. i used to have 4 credit cards then currently down to 1... i terminated the other 3..

even i purchase something thru credit card, i always pay them in full para walay interest and nakanindot lang aning card is that when i apply for something, approve dayon.. like... i applied for sun plan, 1-day approve dayon... sa smart pud, i got a no credit limit.. then kung mukuha ug lain nga credit card/loan, no question asked, approved dayon they even approve you bisan wala kay number sa imong house (which is required unta) hehehe

so basically... kung naa kay daghan credit cards AND WALA or nabayaran nimo tanan pud.. then maybe mas dako lang ang imong credibility or something.. mao ra na akong nabantayan...

[cc(,``o]

actually i've been planning to disconnect my cards.. i used to have 4 credit cards then currently down to 1... i terminated the other 3..

even i purchase something thru credit card, i always pay them in full para walay interest and nakanindot lang aning card is that when i apply for something, approve dayon.. like... i applied for sun plan, 1-day approve dayon... sa smart pud, i got a no credit limit.. then kung mukuha ug lain nga credit card/loan, no question asked, approved dayon they even approve you bisan wala kay number sa imong house (which is required unta) hehehe

so basically... kung naa kay daghan credit cards AND WALA or nabayaran nimo tanan pud.. then maybe mas dako lang ang imong credibility or something.. mao ra na akong nabantayan...

this is so true. but im planning on getting one though. coz i dont want to always bring cash around. mas tempting to spend. esp when they are in small bills. and sometimes u'll never know when you need a credit card.
especially in emergency situations like getting admitted in a hospital. they dnt treat u unless u give a deposit. what if wala ka cash? they do accept credit cards and ang bilis pa! that's what we did when my dad goit sick.

but yea make sure to spend credit card like cash. only buy things u can afford. and things you know that you can pay before the due date.

[simoen]

this is the thing i don't understand about people who use credit cards, why get them in the first place when you know you could not pay your debts?
here in the phils., I never had a credit card and probably never will apply for one. I've always paid everything in cash and in case i don't have money, i just don't spend. if i want to buy something, i save. easy. no debts, no worries.
my wife and friends keep telling me that i should get one? what for? i've been living a debt-free life and i don't really think i should start indebting myself.

I think it all depends on one's financial situation. For example, some people don't have that much money and they rely heavily on their sweldo. What happens if the company fails to give their sweldo on pay day? That's when they need their credit cards for groceries, etc.

Usahay baya dugay maabot ang sweldo labon na kung small to medium companies unlike sykes, banks, etc.

[franz]

usahay kapoy pud linya sa atm machines kay usually puno... so might as well use your card..

also usefull kaayo ang credit cards when applying for "tourist" visa... and kung inig adto nimo sa lain country... like in US, singapore and schengen countries, you can almost use your card everywhere, to pay taxi, meal, tanan... except mga souveiner shops ug mga crepe/hotdog stands

so di ka malugi, kay kung mupalit ka ug dollar ngari, mahal kayo ang conversion

[franz]

btw, nawala naman ang topic... ang topic is, is it ok kung di ka bayad credit card.. HIHIHI

[Sovabon]

Franz, ang topic man gud yes or no ra ang answer! It limits our point of views here. Mayta to broad topic like pros & cons of credit card.

[franz]

@Sovabon: hehe mao pud,.. and at least aware ang uban sa mga possible problems and responsibilities of owning a card

[metz143]

what if ang card holder wla jud cya mo bayad, cya ra ang mapriso, walay labot ang family?I mean basin nya ang mga properties bah mao kuhaon sa bangko.