Credit Card problems.....

[necrotic freak]

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nahala gusto man kaha ka mangita ug labad sa ulo. hehe

pero kung sigurado nga makabayad ka in full every time naa kay bill aw ok ra di kasapi ang banko nimo.

pila naman kadugaya imong wala mabayari nga credit card? pila na ka years? months? kay imposible wala ka paningli sa ilang collection department regarding sa imong unpaid amount?

[necrotic freak]

double post sorry

[icon_king]

to think having a credit card makes a person impulsive when it comes to buying stuff. As if wala na gyuy ugma. di hunongan hangtod di gyud mahurot ang credit limit. FYI. Naa byay uban tao dili kabalo mu basa sa billing statement, in order not to be billed by any hidden charges and finance charges, one must settle his total due. THe minimum amount due is not the total amount due. If you only pay the minimum amount due, still you will be billed by the finance charges of 3 to 3.5% a month. So dha na magsugot ang kalisod once you cant pay your bills.

Just a tip, spend what you need to spend. And do not overspend. Utanga lang ang makaya sa inyung mga bulsa.

[icon_king]

to think having a credit card makes a person impulsive when it comes to buying stuff. As if wala na gyuy ugma. di hunongan hangtod di gyud mahurot ang credit limit. FYI. Naa byay uban tao dili kabalo mu basa sa billing statement, in order not to be billed by any hidden charges and finance charges, one must settle his total due. THe minimum amount due is not the total amount due. If you only pay the minimum amount due, still you will be billed by the finance charges of 3 to 3.5% a month. So dha na magsugot ang kalisod once you cant pay your bills.

Just a tip, spend what you need to spend. And do not overspend. Utanga lang ang makaya sa inyung mga bulsa.

[stealthghost]

kung imung credit card dugay na wa nimo nabayran mag ka taas ghapon interest ato?....unya aply ka lain napod credit card mahibaw an ba ghapon to?...help!!!

blacklisted ka ana sa mga bank.. and guess what, it'll take a lifetime...

in the near future, if you haven't settled any of your accounts, and you'll need to apply for loan, especially if it's for an emergency, good luck nalang.

better settle your accounts first.. let the bank companies come after you, offering you more credit cards.. ^_^

[necrotic freak]

blacklisted ka ana sa mga bank.. and guess what, it'll take a lifetime...

in the near future, if you haven't settled any of your accounts, and you'll need to apply for loan, especially if it's for an emergency, good luck nalang.

better settle your accounts first.. let the bank companies come after you, offering you more credit cards.. ^_^

actually, if you're blacklisted already it's like a blessing in disguise so you can't get credit card/loan from the bank anymore and to avoid too much interest and charges from banks.

better to get your loan from your employer/company or sss/pagibig instead.

let the bank companies come after you, offering you more credit cards? then, more charges and annual fees also!

[stealthghost]

actually, if you're blacklisted already it's like a blessing in disguise so you can't get credit card/loan from the bank anymore and to avoid too much interest and charges from banks.

Sakto pud bro, but if naa'y kinahanglan i-loan sa bank, lisud jud maka kuha'g kwarta ana..

let the bank companies come after you, offering you more credit cards? then, more charges and annual fees also!

You can deny their offer anyways, but if these credit card companies are offering to that person, that means, he/she has a good record/standing sa bank.

[necrotic freak]

well, credit card has it's pros and cons though..

[stealthghost]

well, credit card has it's pros and cons though..

very true..! mao dapat minimize jud ang pag-utang.

[Metz]

a credit card is a double edged sword. if used wisely, it can work for you, but if dili then it will kill you.
sadly dali ra kaayo i-setup ang credit card trap, mao daghan jud nalubong sa utang before makabantay.
easy rajud kaayo swipe.


TS kung interested jud ka bayran talk to your bank, tagaan ka ana nila ug easier terms.
pasabta lang sila unsaon nimo pagbayad. maski ginagmay ra kada buwan ok rana sila basta imo mabayran.

or ask other banks if mo dawat ba sila ug loan consolidation. at leat manaog ang interest rate nimo form 3%+ to 1% and this is a huge difference.

and yes, other banks will know if naa kay issues with your credit cards.
mao bitaw dali ra makakuha ug lain credit card if your current credit card is well maintained.