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How to pay your credit card debt?

ric_TNT · 14 · 5100


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on: Mar 31, 2011, 01:18 AM

Simple lang yan, pumunta ka sa banko at bayaran mo ang mga credit card balances mo either totally or partially.

Live within your means, kung hindi mo kayang bayaran sa budget mo then it would be better not to have credit cards. You will be tempted to always go shopping before you realize that it is beyond your budget.

Make sure that anything you charge on your cards are within your finances. Put everything in your control and distinguish necessities against luxuries.


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Reply #1 on: Mar 31, 2011, 10:43 AM
gawa ng listahan kung anong pinaggagastusan mo. lagay ka ng note kung need or want. then cross out mo yung want. makes sure its a need if a need or want if its a want baka mamaya lagay mo need yung LED TV 42"  :harhar:


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Reply #2 on: Mar 31, 2011, 01:37 PM
Para walang credit card debt, edi wag mag credit card! :)


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Reply #3 on: Apr 01, 2011, 10:08 PM
Usually sa interest nagkakatalo yan kaya nababaon tayo sa utang sa credit card eh. Di ko nga magets paano ba nagkaka interest kasia ta no basis. Hayyy... Pero eto, may nakita ko na nakapost sa Facebook ng cousin ko yung It computes the finance charges of some of the top banks. Medyo OK siya. Try niyo. =) You can even change the values depende sa bill niyo tapos siya na yung nagcocompute ng finance charge mo. What do you think? I think it’s very helpful.


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Reply #4 on: Apr 01, 2011, 10:50 PM
Credit Card is not really the Problem,  :dont: it's the one who uses the Credit Card that's making the problem.  :oops: . you must always be in control.   :gun2: .there are a good debt that can put money in your pocket. and in a contrary if you abuse debt then it will definitely  bring you into big trouble .(BAD DEBT). Be in CONTROL. .Credit Card is a TOOL and it can be a useful TOOL if you use it wisely. . :secret:
« Last Edit: Apr 01, 2011, 11:01 PM by ryknox »


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Reply #5 on: Jan 30, 2012, 10:34 PM
First, you have to make a list of all your credit card debt, to include dates, amount, credit card issuer etc. You should come up with your total indebtedness.
The next thing is to look at your current earnings, cash on hand, bank account balances, and other sources. This is to know your capability to pay.
After doing the of cc debt and resources, try to consider if you can do consolidation, negotiated payment, or take a loan to pay off all existing debt, and will only be dealing with single loan that you can pay for period of time.
Take a survey of what you can sell; this will add some fund also.
Live by your means, and stop using your credit card at once.


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Reply #6 on: Sep 01, 2012, 09:28 PM
May nag ba buy back ba ng credit card debt? How does it work?


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Reply #7 on: Oct 31, 2012, 03:44 PM
pano ko pala babyaran ang Citibank CC ko kung nasa abroad ako?

me utang kase ako last 2008 na hindi binayaran nag hinayupak kong ex. Ayun naging 49k na. Originally is 29k siya. Pano ko babayaran yan kung wala ako jan. chaka pwede bang bayaran ko lang ang principal amount...bwiset kase ang ex ko. hahaha sorry for the profanity.


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Reply #8 on: Oct 31, 2012, 07:36 PM
pano ko pala babyaran ang Citibank CC ko kung nasa abroad ako?

me utang kase ako last 2008 na hindi binayaran nag hinayupak kong ex. Ayun naging 49k na. Originally is 29k siya. Pano ko babayaran yan kung wala ako jan. chaka pwede bang bayaran ko lang ang principal amount...bwiset kase ang ex ko. hahaha sorry for the profanity.

Mdyo mahrap yn, kelangan kausapin mo ung bank mo at pakiusapan na itigil na ang interes at babayaran mo nman.. Explain your scenario at kung pde i-waived n lng ung mga previous interests. Ako asa abroad dn, ang ginagawa ko pnbbayadan ko n lng sa kapatid ko ang credit cards ko ngaun kalimitan pde ka nga thru online mgbayad like sa BPI, BDO at PNB.. natry ko pa lng bayadan thru online eh ung EastWest CC ko thru PNB online account ko ako ngbayad..


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Reply #9 on: Nov 04, 2012, 09:54 PM
sabi nila saken lastyear when I went home. pwede ko raw bayaran ang principal amount, tapos wala na akong bad record. Bibigyan daw nila ako ng certificate. Eh pano ako makakasiguro na halimbawang siniggil nila ko ng 29k eh hindi na nila ko sisingilin sa interest? guaranteed ba yun? kainis kase ang ex ko eh.


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Reply #10 on: Nov 05, 2012, 10:34 AM

their name is your insurance... i know someone who also made a deal with HSBC naman
HSBC let him pay the principal in full for only 30days after nila magkasundo.  he paid it and fax the proof to HSBC.  after 7banking days he received his certification with HSBC that he no longer has any debt with them
naka-pag loan na rin sya ng car, so true na ang certificate na hindi sya black-listed


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Reply #11 on: Nov 05, 2012, 11:35 AM
disiplina lang ang kailangan jan kung wala ka nito mahihirapan ka talaga makawala(madaling sabihin pero mahirap gawin sa mga sanay ng gumamit ng CC)...hanggang ngayon marami parin ang nababaon sa CC debt na yan...


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Reply #12 on: Nov 05, 2012, 03:38 PM
tama...siguro call ko nalang ang citibank..malamang kaya na blacklisted na ko sa utang kong 29k?  me plano pa naman akong mag housing loan sa banko in the future.


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Reply #13 on: Nov 07, 2012, 03:17 PM
I think it will all depend on your income sources and the way you manage your card loan is little complicated and tough compare to other debts.


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