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Blacklisted in banks

tour100i · 4 · 2341

tour100i

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on: Dec 15, 2011, 10:27 AM
hi, good morning! May I ask po na if blacklisted ka ba sa banks due to credit card balances na di nabayaran, pwede ba maka-alis ng Philippines? or maho-hold ba sa immigration?  I need answers please...

Thanks!



barister98

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Reply #1 on: Dec 22, 2011, 08:16 AM
not likely unless they have already filed a criminal case against you in court and that the court has issued a hold departure order, rule is they will probably do their darn best in having you pay up through harassment and constant follow up rather than immediately file a case against you.


pnocti

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Reply #2 on: Dec 22, 2011, 12:15 PM
they won't hold you from travelling but long reach ang mga bank networks pre and it can affect your financial plans for the future. so best thing is to strike a deal with them. close the account and makipag negotiate sila sayo how you can pay them up. you'll need a checking account for that and you will submit post-dated checks to them. been there, done that. and i breathe a sigh of relief that that phase of my life is over. i have a new card and i get items i really need (no groceries!). then make sure that item is paid up before i get another  item.

goodluck!


naomibatac

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Reply #3 on: Jan 10, 2012, 07:44 PM
You will not be stopped to travel abroad because of credit card debt, not unless there is already a criminal case. If you get blacklisted, it will not be lifted for a very long time unless you pay your debt. Therefore, if ever you encounter any problem with your credit card account, the best thing for you to do is to settle it. If you do not have the money, you still need to talk to the issuer. Often, you can negotiate for a payment scheme that you can afford. Remember, it is better for the bank to be able to collect from you through settlement than spending money on legal proceedings.


 


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