Credit Card, FRIEND or FOE ?

[rts1980]

credit card will always be a foe to those who are not financially stable but a friend to us who have more than enough money to spend on anything we want to.. if you don't have money yet or has not yet reach the financial freedom like what others say, then i suggest ayaw namo pagtuga2x ug kuha sa credit card.. live a frugal life nalang..

[moz_k2]

It is a hightech and improved utang - lista system.

[cirext]

credit card will always be a foe to those who are not financially stable but a friend to us who have more than enough money to spend on anything we want to.. if you don't have money yet or has not yet reach the financial freedom like what others say, then i suggest ayaw namo pagtuga2x ug kuha sa credit card.. live a frugal life nalang..

Isn't it an irony? when u r financially stable and yet you have to borrow some money?

a real testament that someone is financially stable is walay utang...ug dli mangutang,.... dba?

[rts1980]

Isn't it an irony? when u r financially stable and yet you have to borrow some money?

a real testament that someone is financially stable is walay utang...ug dli mangutang,.... dba?

mao b!!for me that's not borrowing money bro.. for your information, tha'ts a cash in a card...call it what you want but the bottom line is that for me, credit card is a very helpfull tool for me kay i don't have to bring a lot of cash when i go out of the country or when i have to go to places na you don't have to pay in cash.. besides bro, i pay the full amount when my bill arrive.. pasensya bro, but we both look at it ina very different way.. maybe sa imung part utang kay basin di sad ka mu pay ug full and paranako dili kay ialways pay in full.. secondly, my cards are the platinum and gold which cannot be given to people who are not financially rich.. d b? kato magtuga2x kuha, nya wa man d i ikabayad sa ilang bill, dira ra kamakasulti na nangutang sila.. i ihope na clarify natko ako pasabot..wa ko nangita ug away, nagpasabot rako.. not all people here in istorya are financially stable or rich like me and you..

[terces]

Isn't it an irony? when u r financially stable and yet you have to borrow some money?

a real testament that someone is financially stable is walay utang...ug dli mangutang,.... dba?

Boss, ang ako nahibal-an even Donald Trump kay naay daghang utang, bright sya kay dili niya gamiton ang iyang kaugalingong kwarta para mokita. Mamaylo gyud sya ug kwarta sa lain-laing mga bangko, syempre knowing Donald Trump nga datu so pahulamon gyud. Mao pud na gisulti ni Robert Kyosaki nga for you to become rich you must use OPM or Other Peoples Money para inegosyo kay mas lisod daw magsave ug 1Million kesa mangutang ug 1Million. Ug ok ra nga mangutang ug kwarta basta it will give you something in return like passive income ba.

[entrepreneur21]

a no-brainer of a thread...depende ra na sa pag gamit...

[cirext]

CREDIT CARD is cash in a card? Mao bah?...
You may be wrong bro..u might mean the DEBIT CARD

Well i have DEBIT CARD..This is Cash-In-A-Card

Sa ngalan palang daan.
What do Credit mean? It is money owed to a person or to an entity.

I receive uncountable calls from CC agents.
(HSBC, Standard, BDO, RCBC, Citibank, name it..mura halos tanan nanawag na)
But i refute them directly...

And i have so many insiders from credit card agencies,
and even themselves confess that in totality mas maayo pa ug wala
Its just a good business..kay daghan man mokagat gud.

We'll anyway, lets make ds a friendly & professional argument.
And not argue if we are rich or not..because i am not rich.

AS for me,
NO TO CREDIT CARD. Period.

[entrepreneur21]

imo pud na it's a product bro it's a service..naturally u have to pay for it...

maybe it's not good for u...maybe it's good for the others...

in ani nalng bro there are certain things for certain people...there are things for u, for me, and for everybody...u like to avail of some service? go ahead..if u have the means why not? certain people have different needs...wants etc...they want what's best for them...if they think having a credit card is best for their interest then what's wrong? if u think credit card is something u can't handle...then so be it...it all boils down to how are u going to use it...

[cirext]

imo pud na it's a product bro it's a service..naturally u have to pay for it...

maybe it's not good for u...maybe it's good for the others...

in ani nalng bro there are certain things for certain people...there are things for u, for me, and for everybody...u like to avail of some service? go ahead..if u have the means why not? certain people have different needs...wants etc...they want what's best for them...if they think having a credit card is best for their interest then what's wrong? if u think credit card is something u can't handle...then so be it...it all boils down to how are u going to use it...

Definitely. But let me ask lang... Y would people opt Credit Cards when there's the Debit Cards?
I-enlighten daw ko ani...kay di jud nako masabtan? Naa man kaha sila kwarta... Dato man kaha sila...
Y opt for those premium CC? Is carrying a bulk money their problem? Then Debit Cards is te perfect solution to it. No hassles if u want convenience. Dli pud utang. No charges. What's the big dea w/ those CCs?

[rts1980]

Definitely. But let me ask lang... Y would people opt Credit Cards when there's the Debit Cards?
I-enlighten daw ko ani...kay di jud nako masabtan? Naa man kaha sila kwarta... Dato man kaha sila...
Y opt for those premium CC? Is carrying a bulk money their problem? Then Debit Cards is te perfect solution to it. No hassles if u want convenience. Dli pud utang. No charges. What's the big dea w/ those CCs?

para nako bro, not all store's, restaurants and even outside the country will accept debit card.. mas mu preffer sila ug credit card.. secondly, ang uban, mas makahatag sila time to be able to let thheir money circulate first before paying.. meaning even though they have the money to pay, matagaan sa sila time para matuyok ilang kwarta and muearn pana before nila ma gasto para sa pang bayad sa unsa man ang ila ge palit using the credit card.. secondly bro, if mu apply ka visa, pangutan-un jud ka if you have one kay mas dili sila mahadlok na mag tnt ka sa america.. kana pud imung gesulti about bulk of money, dili man hasol but it's a temptation to the bad elements if you alwaysa large amount og money in your wallet or even sa bulsa.. para malikay nalang na ang disgrasya, bring some cash and mas maayo pag credit card nalang..total, ma waiver raman na angservice charge bro labaw na if you are a valued client.. debitcard is good and maau na cya sa mga tao na di pa kaau kabalo mu control sa ilang finances.. im not saying na dili ka kabalo but ang point nako, if you are able to resist temptation, credit card is a friend to you jud but if you are easily tempted in buying things labaw na you know you can buy with your card and not putting into your head if it is a necessity or not and if makaya ba nimu ipay off at one time or dili, then it will be the one which will put you into the utang mode.. mao bitaw, for thoise people who always ask how toapply a credit card, they should first think if they are responsible enough to handle it and if theycanafford it na ba..if the answer is yes, then get one but if no,pag debit card nalang moor ayaw nalang mu kuha and live a frugal life.