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aldrishby · 20 · 3330

aldrishby

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on: Jul 16, 2009, 07:46 AM
>>> hi! guyz i'm here again inquire some problems about the credit card interest payment..

  my father in law died last 2007 and my sister in law borrowed money from her credit card (w/c is i don't have) in cash advanced. the interest is 5% monthly. i call na sa bank then the bank told me, that they have an interest only up to 3.5% for the gold card and 3.75% for the premium card. ang di ko maintindihan bakit 5% ang bigay sa akin ng hipag ko. tanong ko lang nung year 2007 ba nagtaas ang any bank ng interest? kasi iniinsist nya nung kinuha nya yung pera sa bank is 5% ang interest. until now nagbabayad pa rin ako sa kanya ng 5%, at sabi pa nya di daw nya alam yung bank na kinuhanan nya nung pera at na lost na yung billing statement. nagbibigay ba ang bank ng previous billing statement kahit almost a year na yung utang namin? kung magrequest ba sya ng billing statement magbigay kaya yung bank? pls. i need an idea pls. reply asap!


chubbychum35

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Reply #1 on: Jul 16, 2009, 03:24 PM
previous billing statements can be requested. But, since sabi mo nga, d naman nakapangalan sa yo yung card, i suggest yung mismong may- ari ng card ang dapat tumawag sa customer service nila for request or inquiries.  


aldrishby

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Reply #2 on: Jul 16, 2009, 05:27 PM

previous billing statements can be requested. But, since sabi mo nga, d naman nakapangalan sa yo yung card, i suggest yung mismong may- ari ng card ang dapat tumawag sa customer service nila for request or inquiries.  



>>> di namin kasi maintindihan yung calculation ng interest, di naman nakikipag cooperate yung hipag ko kasi sabi lang nya yung principal yung ang tumutubo monthly, at pumapatong pa! i ask already the bank suggestion din nila is kunin namin yung previous billing statement. thanks for the suggestion


nidaime

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Reply #3 on: Jul 16, 2009, 05:51 PM
Baka naman kasama sa 5% na yun yung finance charges, etc etc?

Kahit sinasabi ng credit cards na 3.5 -3.75% ang kanilang interest rate and you don't pay the bill in full monthly, mas malaki pa sa 3.5 - 3.75% ang fees or patong na nilalagay sa credit card.


tops5450

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Reply #4 on: Jul 16, 2009, 09:48 PM
If I were you po, mag-apply ka na lang ng panibagong credit card of which sa iyo nakapangalan. Then ask your hipag how much do you owe then pay it all up by using your own personal credit card through cash advance. Ng sa ganoon ay mawala ang agam agam niyo po na pineperahan ka ng hipag mo at the same time ay to see for yourself the veracity of your hipag's claim na 5% interest monthly. just my 3cents



bauer

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Reply #5 on: Jul 17, 2009, 03:55 PM
tamang tama ang advice ni tops5450!  sobra pa sa 3cents yun.

add ko lang, huwag mo awayin hipag mo kasi during the time you need her help she was there to help you.  Pera lang yan madaling mawala at madaling kitain.  Preserve your good relationship kasi di kaya bilhin ng pera.


aldrishby

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Reply #6 on: Jul 17, 2009, 07:11 PM

tamang tama ang advice ni tops5450!  sobra pa sa 3cents yun.

add ko lang, huwag mo awayin hipag mo kasi during the time you need her help she was there to help you.  Pera lang yan madaling mawala at madaling kitain.  Preserve your good relationship kasi di kaya bilhin ng pera.



>>> hindi ko naman sya inaaway kasi iniisip ko pa rin yung good deeds nya sa amin,,, were asking lang for advise kung tama bang maningil sya ng 5% sa amin tatay din naman nya yung pinag gastusan nun!


chubbychum35

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Reply #7 on: Jul 17, 2009, 09:44 PM
Accdg to my friend (i never tried Cash Advance using credit card yet), magkaiba daw talaga ang interest rate pag Cash Advance ang inavail using credit card. Usually daw, they charge 500 for every 10000 borrowed. Compared sa regular purchases na di nabayaran on time (or by installment) kaya nagkakaroon ng finance and late charges which is 3.25% or 3.50% (depends sa bank)...Since i am not too familiar with this, i suggest makipag-usap ka pa rin sa proper authorities para maalis ang mga doubts mo. Sometimes kasi yang mga negative thoughts na yan eh nakakapraning pag di nahandle ng mabuti :watchuthink:


Bp22estafa

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Reply #8 on: Jul 17, 2009, 11:09 PM
« Last Edit: Jul 17, 2009, 11:12 PM by Bp22estafa »


nidaime

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Reply #9 on: Jul 18, 2009, 01:18 AM

Accdg to my friend (i never tried Cash Advance using credit card yet), magkaiba daw talaga ang interest rate pag Cash Advance ang inavail using credit card. Usually daw, they charge 500 for every 10000 borrowed. Compared sa regular purchases na di nabayaran on time (or by installment) kaya nagkakaroon ng finance and late charges which is 3.25% or 3.50% (depends sa bank)...Since i am not too familiar with this, i suggest makipag-usap ka pa rin sa proper authorities para maalis ang mga doubts mo. Sometimes kasi yang mga negative thoughts na yan eh nakakapraning pag di nahandle ng mabuti :watchuthink:


at least 3 - 3.25% ang interest rate ng cash advance. Pero pag hindi binayaran in full yung hiniram na cash advance sa next billing statement, dun na magaapply ang normal interest rate ng credit card and additional finance charges, etc etc. Baka nga totoo naman ang sinasabi ng hipag mo pag 5% dahil nga kasama na dun ang finance charges, etc etc since nabanggit nga ni TS na MONTHLY pa ito binabayaran. Pay it in full na lang para tapos na.


aldrishby

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Reply #10 on: Jul 18, 2009, 04:47 PM


madoff

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Reply #11 on: Jul 18, 2009, 06:03 PM
Curious lang ako kaya sinubukan ko gumawa ng kwenta, eto lumabas sakin:

month   principal   interest due   principal amort   total payment
1          36,000     1,800            3,000            4,800
2          33,000     1,650            3,000            4,650
3          30,000     1,500            3,000                 4,500
4          27,000     1,350            3,000            4,350
5          24,000     1,200            3,000            4,200
6          21,000     1,050            3,000            4,050
7          18,000     900                    3,000            3,900
8          15,000     750                    3,000            3,750
9          12,000     600                    3,000            3,600
10           9,000     450                    3,000            3,450
11           6,000     300                    3,000            3,300
12           3,000     150                    3,000            3,150
                                         TOTAL         47,700

Ang hindi ko lang alam baka may hidden charges yung bank, kasi hidden din yung statement.  :hihi:


exmars

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Reply #12 on: Jul 18, 2009, 06:04 PM


aldrishby

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Reply #13 on: Jul 18, 2009, 11:01 PM


neo

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Reply #14 on: Jul 18, 2009, 11:04 PM
Medyo magulo po. Ano pong ibig sabihin nya sa "di daw nya alam yung bank na kinuhanan nya nung pera " ?


 


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