Credit Card Payments

[ghosthunter]

How do you normally pay your credit card bills? Do you simply pay the minimum payment or the whole amount or somewhere in-between?

[userfriendly]

Pay the whole amount para walang finance charges and interest.

[BlueBimmer]

always full amount. kumpanya bahala

[froshie1]

Buo lagi syempre.

[tinky]

Pay in full. I only use my credit cards for gas and emergencies.

[Galactus]

Right now, I have over 40k in card charges (spread over 2 cards). Can't afford to pay in full, 2k monthly muna for each card ang kaya ko. Sa December, will pay in full

[Hanren]

I pay in full - 5,900

yung monthly lang kasi yun ang nagrereflect sa monthly billing statement- because I used the credit card for purchasing my laptop spread out for 12 months. Sakit nga eh hindi pala siya 0% interest.

[CVT]

Pay in full on the due date.

OT: It helps also if you have a couple of credit cards with different cut-off dates, say 12th and 27th. So on the 13th, I use the card with cut-off date of 12th, and use it until the 27th. On the 28th, I use the card with cut-off date of 27th and use it until the 12th of the following month....

3404:surfing:

[shadow]

I used to pay only the minimum that was when I was still single, but now that I'm married, I always pay the whole amount....no ifs, no buts

[pajerokid]

In full siyempre! I wont give those card companies the satisfaction of gettingdough from me

[pajerokid]

....on a side note, i used to be perpetually in debt until i got over the hump.

[Innova_Boy]

paid in full, last statement P9xxxx.00 paid an item on ebay using my CC. ok naman... since mababa na dollar ngayon, ok gamitin sa online payment...


WBR,

[GmZ]

Full payment. sobrang laki ng interest pag hindi ka nakabayad kahit isang araw lang, lalo na pag nakalimutan. well, you will pay high charges if you have high credit limit. pero siyempre iba pa rin kapag naipon na interest.

[Gumusut_Amige]

pag may extra cash... full payment sa statement balance!

[shadow]

add lang sa question ng TS, magkano nagagamit niyo monthly sa card niyo?

[_Qwerty_]

make sure to pay your balance in full.. para walang interest.. credit cards charge up to 3% to 3.5% monthly interest.. the longer it takes you to pay.. the bigger interest you pay..

If you can't pay the whole amount and it starts accumulating.. I suggest you look at the balance transfer option if you have another card.. some CC charges as low as .88% per month interest.. saves you a lot in the long run, instead of paying 3.5% monthly..

i do charge everything to my cards.. so I don't have to carry cash.. so mga 50T to 60T a month charge sa card (groceries, shopping, insurance, school supplies, eating out, etc.).. then I make sure I pay it on the due date..

[shadow]

pareho tayo mga 60k din sa akin every month

[j_avonni]

I pay in full. Pag hindi kaya ng budget, installment muna.

See credit card tips

My credit cards



:eat: [SIZE="1"]3115[/SIZE]

[1D4LV]

two of my cards are paid in full by the company.
several have zero balances, dahil hindi ko ginagamit.
one is paid, partially, depending on my budget.
and one is paid in installment (BPI-SIP).

[vice]

I always pay in full pag dumadating yung statement. Malaki interest e.

Last month was the biggest CC statement that I paid. 70k++, paid my wife's hospital bills when she gave birth. pampataas lang ng points. hehehe