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Author Topic: All about Credit Card - tips, do's and dont's  (Read 84840 times)

mariann

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Re: All About Credit Cards
« Reply #30 on: May 06, 2012, 07:35:05 am »

Just to answer some queries here:

Is it safe to give your personal details on your email to the credit card company?
Yes. As long as you are sure that it's their valid email address. If they're not asking for the last three digits at the back of your card then they could not use it for online purchases.

Is it free to call their domestic-toll-free number?
Yes, that's why it's called free. No long distance charges will be charged from you.

Will I be declined on my credit card application if my spouse mishandles his/her credit line?
No. Unless you are the supplementary card holder, then you will be affected if your spouse is unable to pay the card. Mommy france is correct. They don't require your spouse's info when applying for a card.

In order for your card to get waived, you should have been using and paying it on time. You just have to call them and ask for waiver on the annual fee.
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MommyPhie

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Re: All About Credit Cards
« Reply #31 on: May 09, 2012, 06:50:54 pm »

Thanks for the reply sis mariann, hindi na ako nagreply sa email ng cc company ko, I just call them instead. Next time siguro email na lang kasi mahal ang call, at least alam ko na safe naman pala yun.

rosetan

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Re: All About Credit Cards
« Reply #32 on: May 10, 2012, 01:53:52 am »

I dont own a credit card si hubby lang. Pero parang i want one for emergency purposes lang. Saan po bank madali mag apply at ma approve? Puro pre-approved lang kase ang sa husband ko kaya wala kahirap hirap. Nagugulatvna lang kami may dumadating na CC.
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kurdapya101

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Re: All About Credit Cards
« Reply #33 on: May 10, 2012, 09:53:25 am »

first ever credit card ko HSBC... pero for me ang pinakamadaling ma approved na  cc sa Eastwest... once kase meron ka na bibigyan ka ng bibigyan ng mga card companies ayun sakin naipon na
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Mommy France

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Re: All About Credit Cards
« Reply #34 on: May 10, 2012, 04:32:13 pm »

@rosetan, para mabilis sis kuha ka na lang ng supplementary sa asawa mo. Madali lang yung kasi you;ll share the same limit.

Medyo mahigpit ang BPI pero sila ang gusto ko. Also Eastwest kasi maliit alng ang interest.
Although wala kaming bagong eastwest. Na-deactivate kasi nung pinapa-waive naman yung annual.
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I am not perfect but I try my best to make the most of what God gave me.
Bad things may happen to me, but I will always come out of it with my head up high. Why? Because I know that I did the things I can control the right way. And the things I can't control, I leave it up to God's will.

rosetan

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Re: All About Credit Cards
« Reply #35 on: May 11, 2012, 09:52:57 pm »

^ supplementary na ako sis sa CC niya, kaya lang nahihiya naman kase ako gamitin. Lol. Naisip ko din pala sis wala pala akong supporting documents na maipapasa kung mag aapply ako lalo na sa mga I.D kase sa totoo lang voters I.D lang meron ko. :(
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Mommy France

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Re: All About Credit Cards
« Reply #36 on: May 12, 2012, 06:52:42 pm »

^^ time na para kumuha sis. ID muna.
Ok lang yung supplementary kasi at least sa needs lang talaga magagamit. ganyan din feeling ko sa CC ng asawa ko. Pero siyempre ako yung nagbabayad kapag may kinuha akong pang personal pero kung sasabihin niyang sagot na niya, mas maganda. :D

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I am not perfect but I try my best to make the most of what God gave me.
Bad things may happen to me, but I will always come out of it with my head up high. Why? Because I know that I did the things I can control the right way. And the things I can't control, I leave it up to God's will.

lovemomma

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Re: All About Credit Cards
« Reply #37 on: May 14, 2012, 07:28:06 am »

How true is it na walang nakukulong sa utang sa CC..
I have a friend whos having a hard time talaga, her debt was around 50k but cannot afford to pay her CC anymore, nagkasabay sabay kase, so her point is shempre mas uunahin nalang niya muna yung mga needs ng anak niya.
Marami daw nagsasabi sa kanya na ok lang takbuhan dahil wala naman daw nakukulong, kaya lang ngaun natatakot sya.. naawa talga ako.. wala akon idea eh so wala akong maibigay na advice..what do you thing mga mommies? meron ba ditong di na nakabayad ng CC nila? how was your experiens?
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kurdapya101

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Re: All About Credit Cards
« Reply #38 on: May 14, 2012, 08:30:52 am »

may ilan akong kakilala na hindi nagbayad ng cc nila... pero ako i wouldnt wanna risk... ayoko kulitin ng mga cc company sabi ko nga magloloko lang siguro ako sa crecit card kung hindi na ko nagwowork dito at iba na ang address namin... which is mukang malabo hahaha

yung sa question mo na hindi na niya mabayadan meron naman inooffer minsan ang mga cc company like 3 years term para mabayadan sila... ang need lang gawin ng friend mo is makipag coordinate sa cc company na hindi niya yun tatakbuhan afterall sya rin naman ang nag purchase ng mga yun ganun talaga sis masarap mag swipe sa bayadan ang mahirap....

dapat dyan control
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ysLim

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Re: All About Credit Cards
« Reply #39 on: May 14, 2012, 02:25:36 pm »

^^ may mga kakilala din akong hindi nagbayad ng CC.. pag tumatawag sa bahay nila, lage lang sinasabi walang "name" na nakatira dun.  ::)
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rosetan

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Re: All About Credit Cards
« Reply #40 on: May 14, 2012, 03:01:25 pm »

@ mommy france-yan na ang plano ko this year. Ang hirap ng parang colorum ako palagi. :(

^^^ Sa tingin ko wala ngang nakukulong, like my father in law he owned Citybank CC sabi ng husband ko halos lahat daw ng gastos nila CC ang gamit nila esp sa grocery. No budget talaga! Then sympre dumating sa point na hindi na kaya bayaran ng FIL ko, kaya inaraw araw sya ng tawag sa banko at may mga pagbabanta pa na ipapakulong pero wala din naman nangyari. He died last year @ 59 for around 15 years sya kinukulit.
Kaya lang ng mag apply ang husband ko sa Citibank na detect pa din ang record ng father niya natakot pa kami na baka sa amin ipa bayad pero void na daw kase patay na naman ang daddy niya.
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Mommy France

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Re: All About Credit Cards
« Reply #41 on: May 14, 2012, 05:14:44 pm »

Sa pagkakaalam ko kaya walang nakukulong or kaso na napu-pursue sa credit card debt is because masyadong malaki yung gastos. Kung civil case lang naman tapos magkano babayad nila sa lawyers compared sa utang ng cc holder, madodoble lugi sila.
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I am not perfect but I try my best to make the most of what God gave me.
Bad things may happen to me, but I will always come out of it with my head up high. Why? Because I know that I did the things I can control the right way. And the things I can't control, I leave it up to God's will.

mariann

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Re: All About Credit Cards
« Reply #42 on: May 14, 2012, 10:14:58 pm »

i work in a bank and i've seen cases against credit card debtors.  wala ngang nakukulong pero nasisira naman ang pangalan.  and yes, they are really filing cases even if the debt is just P50,000. 

hubby's a lawyer and also a retainer of some lending companies,  actually cc companies can send demand letters to you if you don't pay,  and they can file a case against you without spending much on their lawyers because they have retainers.

just imagine this, if you can't pay, they send demand letters, they call you everyday, and worst if they file a case, lalabas ang pangalan mo sa lahat nga banko na may case sila against you. 

i just don't know what their basis is para mag-file ng case because meron naman ibang hindi na sila nagfa-file.
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lovemomma

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Re: All About Credit Cards
« Reply #43 on: May 15, 2012, 06:28:25 am »

tama mga sis! mahirap din yung lagay niya,,ang hirap kayang magtago! kaya naawa ako sa kanya kase talagang upto last minute pinipilit niang bayaran kaso di na daw talaga kaya..

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lovemomma

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Re: All About Credit Cards
« Reply #44 on: May 15, 2012, 06:30:16 am »

@mariann

natakot naman ako for her.. if ever makukulong sya..ako kase takot sa utang eh.. kaya ayoko.
« Last Edit: May 16, 2012, 02:37:53 pm by Mommyjazz »
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