Credit Card

[kenshin2143]

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Hi ts its a bit ironic. Cos u posted a thread asking how to save. But then u're asking in this thread about credit card.

Anyways, if u're serious about ur savings for ur future dont put credit card on ur list. It will just ruin ur plan.

Ahw hala bitaw noh, siya diay japon TS ani... pero bitaw TS, ayaw pag credit card kung mag save ka...

[Money_Guru]

For my point of view, applying for CC is not a harm. Nice gani siguro xa kay para nimu nga bata pa, kahibaw naka mu disiplina sa imu self. Mas nindot sad makig talk ka sa mga taw nga kanang naay bad experience sa CC, ask them questions nganu nagka utang-utang sila then use that as a learning thing for you. Kita ka unsa ila sitwasyon karun? So you should be afraid nga mapareha ka nila. But that kahadlok doesn't mean nga dili nlang sad ka mu apply jud. Kuha ug CC, use it and always remember unsa reason nila nganu nagka utang sila, daghan kaayo mu heads up nimu nga bata palang ka maayo naka mu handle sa imu self. But before ka mukuha, evaluate yourself sa, ready naba ka? I thinks, that's it for me

[xiongmaw]

Niya xiongmaw If dili nimu xa magamit for the whole month, ala rakay bayran by the end of the month?

Wala ra, pero kong ma timingan ka nga tig bayad sa annual fee sa credit card ang month kay mo credit na siya sa imong statement bisag wala nimo na gamit for the month

[borrise]

Nindot nga mind set sa credit card holder is always pay your monthly dues, ayaw gyud buhata nga ang minimum ra imo bayaran kay bacg manganad ka, wa naka kahibalo nga cge nimo bayad sa minimum ang utang nimo cge ug increase.

For me advantages of credit card are
1. di na nimo kinahanglan mo withdraw ug madala2x ug dako nga kwarta in case naa ka paliton.
2. 3,6,12 month installment
3. 0% interest sa department store(shirt,shoes, etc) , nya installment pa gyud
4. Purchasing of plane ticket
5. Promotions (Depend what kind of CC you have)
6. Emergency loan

[rosygemini]

Ou, ga plan ko savings,.but ga plan sad ko for credit card,.HAHAHAHA,any ways, daghan jud kaayo nag ingun nga dili nlang guro,.hehhehe,.basin matintal jud ko,.salamat sa inyu help.

Ani nlang ts. Makatabang man jud xa. If:

1. Sa plane ticket mkaavail jud ka s mga piso fare.
2. Mahimo syang business ky pwede man ka mocash out ana. Pwede pod nimo ipautang w mas dako nga interest.
3. Buy things nga nga mas less stress. Imo man gud madivide ang imo napurchase 3 to 6 mos nga bayad.

But then:

1. Sa plane ticket, nganu kuha man ka cc dghan jud diay ka adtoanan? Plus kng dghan meaninh mosplurge jud diay ka in going vacation baya it means spending a lot of cash pod.
2. In buying things pod. Naa ka cc moswipe ka what if naa ka maagihan s dalan dili pwede og card so imong cash on hand magasto jud.

Mao ra. 😊

[bloodberry]

Ako bad akong experience sa CC TS but im not saying you should get one. I was not good at managing it in the end i give it up kay maka stress. I end up paying for more (as in over kaayo sila mo charge d maka tawhanon!) kay there as a time ni pay ko then wala bitaw na ni reflect akong payment sa SOA so ni call ko sa customer service nila. I even send and email with the attached scanned copy sa akong payment slip but no respond. I stopped paying kay i want to settle that one 1st so mao to no respond from them and i decided to stop completely. after a few months naay ni call nako collection dept! then next associate ni ATTY. Blah blah! at 1st nag lagot ko. pero in the long run akong g.pasagdahan oi wala nko tagda. Ahak! i want to settle and clarify sila ang d mo care krn ila nako g.forward sa legal. Bahala sila so be careful. wala ko nanghadlok pero naay in-ani namahitabo.

[MaInEvEnT]

Been a credit card user for years now and wala man ko nagka utang2x... dpende lang jud na sa tao.. labi na cguro if first card nimo bag-ohan jud ka lami kaayo swipe2x.. pero ako karon naa nako tulo ka card pero ang 2 wala koy utang then ang isa, less than 5K ra ako utang which is ma impas na nako next month inig bayad nako once I get the bill/statement.. gamit ang naay credit card and naa jud cya advantages para sa kamao mu kupot ug credit card pero if dili ka kamao mudala sa credit card, aw gud luck...

[alexboi]

i have MBTC credit card....actually wlai interest imo paliton....pero naai finance fee....nya dpendi pud na cya kung pila imo balance...

[crush_23]

i dont recommend cc for impulsive buyers!

[vincent]

TS ganahan ka ug supplementary card?hehehe