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Author Topic: All about Credit Card - tips, do's and dont's  (Read 84848 times)

buuurp

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Re: All About Credit Cards
« Reply #45 on: May 16, 2012, 02:08:11 pm »

moral of the story, huwag mangutang if hindi marunong magbayad.

Huwag magcredit card if walang sure income na ipambabayad.

Sorry ha, kasi naiinis ako dun sa may mga mentality na wala naman nakukulong sa utang. Kasi ginamit mo naman yung assets nung bank, nagenjoy ka gumastos then if you cant settle takbo nalang? Hayy.

Oh well. A few years back, I discovered my mom was drowning in credit card debt. She is a dentist but a single mom of 3 and nagulat ako na all her cards are almost maxxed out. What happened? Kasi she was always paying the minimum amount due - which was that time sa statement yung naka bigbold letters vs the total amount due. I fixed her financial assets by consolidating her cc debt (bank loan, balance transfer and religiously paying MORE than the minimum) and thank god by august next year she is cc debt free!

Imagine yun total amount due niya back in 2010 ay mga swipes pa niya nung highschool ako... And I graduated highschool in 2004... So dami nang tinubo ng cards sakanya. But I am proud of her kasi she never chose na takbuhan. Kasi nga naman yung guilt and stress ng may habol ng habol sayo... Plus may chance na mainclude ka sa black lists ng banks so if she needs to apply for a like housing or car loan or any loan in a private or govt owned company madedeny. So sa may mga cc debt dyan, budget budget lang, eventually matatapos nyo yan, diskarte lang with budgeting and never spend beyond your means.
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jujay

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credit card
« Reply #46 on: May 23, 2012, 10:40:08 am »

hi mga sis ask ko lang po puwede kea ako makaapply ng credit card kahit wala me work.. tumatangap lang po ako ng allotment galing kay hubby seaman cia thanku and Godbless ;D
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Mrs. Anderson

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Re: All About Credit Cards
« Reply #47 on: May 23, 2012, 11:04:55 am »

Merged with existing thread.
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mariann

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Re: All About Credit Cards
« Reply #48 on: June 08, 2012, 06:38:22 pm »

sis jujay:

My mama was offered a credit card even if she was not employed.  She receives allotment from papa then.  So I guess, it's ok with the credit card companies as long as you can present your needed documents.
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Mlabable

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Re: All About Credit Cards
« Reply #49 on: June 12, 2012, 02:10:03 am »

Ako sinusumpa ko na ang credit card! Lol
 
Dalawa credit cards namin isa kay hubby isa sa akin. At first maayos talaga ang bayad ko kung ano yung sa SOA nababayaran ng full. Nasira lang nung yung asawa ko halos lahat credit card na lagi pinambabayad sa expenses nila sa bahay (this was nung single pa kami, di pa mag-asawa) pati yung reconstruction ng bahay sa CC kinuha, umutang yung kapatid niya cash advance sa CC, at halos lahat. Umabot sa 100K ang utang niya. Mag-asawa na kami ako humawak from 100K napababa ko ng 40k. Ngayon nagloan ako sa company namin para mabayaran ko ng full then cancel na. So June 15 fully paid ko na credit card ng asawa ko. Kahit anong mail pa narereceive ko sa Citibank para sa pangaakit nila na kumuha ng ganito - derecho sa basurahan!
 
Yung CC ko naman until Aug nalang pinabalance conversion ko 1 year ko rin hinulugan yun. Ang nangyari naman sa akin. Nagparide yung mga relatives ng mother ko ng airplane tickets, in short nagparide ng ilang beses di binayaran. Ako ang nagbayad!
 
Pagdating ng August wala ng credit card! Sinusumpa ko di na talaga ako magcredit-card. Ayoko na ng sakit sa ulo. Yung kalahati ng sahod namin sa CC napupunta.
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Re: All About Credit Cards
« Reply #50 on: June 16, 2012, 03:06:10 pm »

ask ko lang po. if your overdue and collecti0n agency
na ang may hawak ng account, and mag resume na ng
payment, saan po mag bayad? sa bank pa rin po ba?
thanks

and last nalang po, ano po ang basis na transfer nila
kayo sa collecti0n agency? in my case kasi 1 m0nth
lang ako na di nag pay then un agency na nag tawag sa
akin. thanks
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Errych

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Re: All About Credit Cards
« Reply #51 on: June 16, 2012, 03:17:47 pm »

^Payment will still be with your bank. And usually if 1 month delay ka lang sa payment, it will be the bank's collection department who will handle it not the third party agency. BTW, if history shows na you're a good payer naman prior to the delay, you can talk to the collections officer if they can still waive your late payment charges. Sayang din kasi if ma tag ka na deliquent because of that one month delayed payment.
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inkee

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Re: All About Credit Cards
« Reply #52 on: June 16, 2012, 03:47:18 pm »

Actually I paid before my due last feb, then march I wasnt able to pay. 1st time ko yun. but then after a week collections agency called up. I am pretty sure 3rd party agency yun. Up till now I wasnt able to pay kasi I got scared with the agency. Now I dont know where to pay if I resume to settle out my card. This is BDO. Thanks sa help. same pa rin po ba ang process ng pag bayad. baka po mapahiya kasi ako sa bank. BDO pa naman and always madaming tao. Thanks sa help po
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candy16

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Credit Card Concern: Do not honor
« Reply #53 on: August 06, 2012, 11:32:03 pm »

mga sis, question lang po regarding sa credit card. yesterday kc may bibilin sana kame ni hubby using cc pero sabi sa cashier "do not honor" daw lumalabas.. bakit po kaya ganon? thanks po sa sasagot  :)
« Last Edit: August 07, 2012, 06:47:07 am by Mrs. Anderson »
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Morefun

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Re: Credit Card Concern: Do not honor
« Reply #54 on: October 07, 2012, 07:12:38 pm »

I used to work for a bank. 

There are so many reasons why that happened.  It's best to talk to your credit card company. 
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BlueAby

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All about Credit Card - tips, do's and dont's
« Reply #55 on: November 28, 2012, 01:26:09 pm »

Hi mga mommies,

Aaminin ko po na inosente ako regarding sa Credit Cards, kaya wala din po ako nito. hehe
Takot din kasi ako sa salitang "Utang", "Credit", "Loan".
Recently lang nakausap ako ng officemate ko and she said na kakailanganin ko din daw to in the future and malaki rin daw ang use niya.

Baka pwede naman po kayo share ng tips, do's and dont's pati po kung anong best na Credit Card ang nagamit nyo.
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preciouslara

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Re: All about Credit Card - tips, do's and dont's
« Reply #56 on: November 28, 2012, 09:06:41 pm »

its ok to have credit cards as long na you can pay what you use, and dapat malakas control mo sa pag gastos, once kasi na may credit card ka na, super lakas ng temptation to buy and buy since its just a swipe away...if you'll use your credit card make sure to pay before the deadline and as much as possible pay in full kasi sayang yung mga interest once na madelay ka ng payment ...useful ang credit card lalo na incase of emergency kasi tinatanggap na din ang credit card kahit sa mga hospitals...bata use it wisely,pay ontime and walang magiging problem dun :)
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mommyonsale

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Re: All about Credit Card - tips, do's and dont's
« Reply #57 on: November 28, 2012, 10:27:24 pm »

Sis ako din wala nito pero naattempt na akong kumuha kaso SAHM ako kaya hindi ako makaavail nito. Si hubby working abroad. Pwede ba mag apply ng credit card ang non working na tulad ko. Makabayad naman dahil si hubby may work.
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mamacharis

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Re: All about Credit Card - tips, do's and dont's
« Reply #58 on: November 28, 2012, 10:53:56 pm »

agree ako kay sis preciouslara ALWAYS PAY ON TIME at ang golden rule pag wala kang cash na pambabayad wag na kaskas credit card kasi sabi nga nila kung hindi mo kaya bayaran ng cash ang bibilhin mo ibig sabihin hindi mo kayang bilhin.

disiplina lang talaga kelangan sa CC. nakaka tempt naman talaga pero pag nagpatalo sa temptation for sure sakit ulo sa mga susunod na araw. yung iba kasi turing nila sa CC cash nalilimutan ata nila na kaya nga Credit Card tawag dun eh Utang. ako nahihiya gumamit ng minsan CC kasi minsan niloloko ako  wala cash  kaya CC ginagamit.

may mga CC na kahit di ka apply may dadating sayo.. got 3 CC last CC is bdo di naman apply pero dumating so far ok naman minsan lang pumalya kasi di ko napa waive ang annual fee pero nung binayaran ko binawas ko na annual kaya nagkaron ng finance charge pero napapa waive din naman. =)
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macon

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Re: All about Credit Card - tips, do's and dont's
« Reply #59 on: November 28, 2012, 11:10:32 pm »

kung my cash ka naman, no need to apply credit card. kapag first time mo kasing magkaron ma tetempt at matetempt kang gamitin. before i have 4 credit cards pero pinaclose ko na lahat kc sayang yng interes. just in case na you want it talaga. think twice before swiping hehe. bout yung ano yng magandang credit card BDO is ok.
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