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Credit Card Problem/ Delinquency/ Paranoia

vgal0579 · 21 · 11948

vgal0579

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on: Apr 26, 2012, 03:46 PM
for those who have problems with credit cards, you can post your queries/stories here...

i have an office mate who shared his problem on this plastic card and i just realized that there are people who are so disturbed (even cannot sleep at night) thinking how to handle the problem... he was so ashamed to tell but after discussing his situation, he somehow felt better and became wiser... he may not absorbed all that we have discussed, definitely (and this is according to him), I will be his buddy starting today (well, for this problem i guess)...

just trying to help...  :watchuthink:



alone

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Reply #1 on: Apr 26, 2012, 04:30 PM
di pa naman po ako paranoid with my 5 cc hehehe,, nababayaran pa naman..
tska goal ko ngayon sa cc ko tanggalin ang 3.. iwan ang 2 tama na yun.. tanong nga ng ate ko kung nakakatulog pa daw ba ako.. oo naman.,. basta alam mo magmanage ng pera mababayaran yan, ngayon ang minamanage ko, kung pano maeliminate ang iba.. harhar..


ferrariEverest

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Reply #2 on: Apr 26, 2012, 04:35 PM
^ bakit 5 cc mo?
1 to 3 pwede na, basta substantial/sapat ang credit limit mo sa pangagailangan mo.


vgal0579

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Reply #3 on: Apr 26, 2012, 04:42 PM
thought of the week (for delinquent CC holders)...

collector (aka attorney/sheriff, etc...) said "I will endorse your file for litigation!"  :boxing:

but can they really do it???

They won't, don't and can't!


collectors do these things to earn money: blackmailing and swindling...

 :watchuthink:


alone

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Reply #4 on: Apr 26, 2012, 04:47 PM
^^@ FE yung 2 po kasi ginamit namin para sa mga 0 interest na appliance or gadget, (nung wla pang baby ha) the othr 2 po straight purchases na lumobo nung nagkababy ako  yung 1 naman pinagkatiwala ko sa fren ko, kasi wala syang cc at madalas sya mangailangan so sya na lang pinapirma ko.. and then one day nagising ako nung may nagsabi sa akin na 5 cc is to much for 1 person, 1 is enough.. thats why..:)


jumi07

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Reply #5 on: Apr 26, 2012, 06:48 PM
I have this friend who has tons of credit cards with debts. Kapag kasi inaalok sya ng credit card, tanggap lang then imamaxed out nya yung credit limit. I don't know, but well of naman ung family nila. Ngayon, wala na silang phone sa bahay kasi puro tawag from attorney's and pagbabantang idedemanda sila ang natatanggap nila. One time they actually attend a hearing sa court, Dun ko nalaman na walang nakukulong sa cc.

Eto lang ang sinabi nila.

"willing naman po kami bayaran yan, but for now, walang wala po kami. kung gusto nyo po, magpadala kayo ng kukuha ng pera sa bahay namin, 50 pesos a day"

Well, technically speaking, di talaga sila makukulong since may intentions naman silang bayaran. 50 pesos a day nga lang.



vgal0579

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Reply #6 on: Apr 26, 2012, 07:35 PM
yes most credit card companies don't but i know some who really pursue the case...


alone

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Reply #7 on: Apr 27, 2012, 10:27 AM
Eto lang ang sinabi nila.

"willing naman po kami bayaran yan, but for now, walang wala po kami. kung gusto nyo po, magpadala kayo ng kukuha ng pera sa bahay namin, 50 pesos a day"


pumayag po ba na 50/day? parang nagbabayad lang sa 5/6 pero kung iisipin malaki din ang halaga in a month.


vgal0579

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Reply #8 on: May 02, 2012, 09:45 AM
^curious lang ako, what happened on the case?


clarence21

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Reply #9 on: Jun 25, 2012, 02:57 PM
Are you having a credit card problem?are u being harassed?having sleepless nights?WORRY NO MORE!!! MGU marketing company can help you.PLS CALL 3916755 LUK FOR THESSA


bloomerman

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Reply #10 on: Jun 25, 2012, 03:28 PM
yes most credit card companies don't but i know some who really pursue the case...

They most likely referring to Defrauding the Creditors Act. On my knowledge, I think they will pursue the case if they have solid ground for the said ACT. e.g., the debtor intentionally falsify his personal information prior to application of cc and with the intention of fraud actions like using the cc to maximum limit and will not pay any centavo at all...


harimon21

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Reply #11 on: Jun 03, 2013, 06:40 PM
I have enormous unpaid balance in credit card amounting to 250k :(. Metrobank charges 3+% finance charges for the unpaid balance per month, my credit card due amount balloons each month. I have stoppped using it.

I am planning to get a loan that charges around 6% per year to pay my credit card debt. Is this a good idea?


Skyrise

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Reply #12 on: Jun 03, 2013, 06:48 PM
I have enormous unpaid balance in credit card amounting to 250k :(. Metrobank charges 3+% finance charges for the unpaid balance per month, my credit card due amount balloons each month. I have stoppped using it.

I am planning to get a loan that charges around 6% per year to pay my credit card debt. Is this a good idea?

It's not good to pay debt from another debt, my family member had been in that situation. Better loan money  from a family member/ relative or friend who understand your financial dilemma and ask for longer payment period. To get out from Credit Card problem, don't ever attempt use it not unless life depends on it.

Good Luck!


anthonycpa

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Reply #13 on: Jun 03, 2013, 07:43 PM
I have enormous unpaid balance in credit card amounting to 250k :(. Metrobank charges 3+% finance charges for the unpaid balance per month, my credit card due amount balloons each month. I have stoppped using it.

I am planning to get a loan that charges around 6% per year to pay my credit card debt. Is this a good idea?

Well if you have no other choice, i think a loan that charges 6% ANNUALLY is bett than charges of 3% monthly, dahil mag cocompound sya monthly that will equals to 42.58% in a year.


harimon21

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Reply #14 on: Jun 04, 2013, 11:25 AM
Quote
It's not good to pay debt from another debt, my family member had been in that situation. Better loan money  from a family member/ relative or friend who understand your financial dilemma and ask for longer payment period. To get out from Credit Card problem, don't ever attempt use it not unless life depends on it.

Good Luck!
Thanks Skyrise. I know, that as a general rule, it is not a good idea to pay a debt with debt. Yes, I have torn the card into pieces. LOL


 


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