what if: I will not pay my bills anymore?

[shadow]

Be careful, meron na ngayong system for blacklisted persons. I just forgot kung ano tawag nila dun. Tinitignan yun ng lahat ng companies, before they hire you, they let you borrow, or for whatever purpose it may serve.

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not all companies, imho. but if you are applying in banks, chinecheck nila yun.

siguro naman hinde talaga lahat ng companies ganyan, eh sigurado din ako dami daming call center agents na nag default ng CC nila...

siguro sa mga financial institution ka mag apply mag check sila...

[1D4LV]

siguro naman hinde talaga lahat ng companies ganyan, eh sigurado din ako dami daming call center agents na nag default ng CC nila...

siguro sa mga financial institution ka mag apply mag check sila...

yes, i think its an internal regulation para sa mga BAP members.

[extremeshot]

thank you sir shadow, at naintindihan mo ako. i have two CC pa, HSBC din at BPI, sobrang minsan ko lang ginagamit and i have good records for that 2 CC, already learned from my mistakes. kaya ko naman siya i-settle pero di yung one time big time cash, i can pay via installment basis, pero ang nangyayari kasi interest pa din ng interest.

Why not just transfer your HSBC balance sa BPI cc mo? I think may balance transfer option sila and transfer options usually have lower interest rates. If possible, choose an option na 1500 Lang ang monthly mo and don't use your BPI card for anything else. Termite the HSBC card after you have transferred. Then everybody's happy.

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[d'flash]

Why not just transfer your HSBC balance sa BPI cc mo? I think may balance transfer option sila and transfer options usually have lower interest rates. If possible, choose an option na 1500 Lang ang monthly mo and don't use your BPI card for anything else. Termite the HSBC card after you have transferred. Then everybody's happy.

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possible ba ito upon request ko? or dapat sila bank ang mag offer?

[boybi]

Pwede ka mag balance transfer anytime.

[extremeshot]

possible ba ito upon request ko? or dapat sila bank ang mag offer?

You can ask BPI about their balance transfers and what are your options.

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[d'flash]

thank you guys for all the suggestions, i ended up paying all my OBs, umutang ako... umutang ako sa sarili ko, para walang interest, ginamit ko na lang savings ko, mababawi ko din naman yun. lesson learned, "wise buying" "malls are devil, full of temptation"

[vinj]

^Good to hear that. Gotta bite the bullet but at the end of the day, you still have your head to learn and earn it all back

[shadow]

****** ina! may pangbayad ka pala eh! estapador!

[d'flash]

****** ina! may pangbayad ka pala eh! estapador!

hehe.. nabawasan na sir, pang mutual fund ko yun eh,

[1D4LV]

thank you guys for all the suggestions, i ended up paying all my OBs, umutang ako... umutang ako sa sarili ko, para walang interest, ginamit ko na lang savings ko, mababawi ko din naman yun. lesson learned, "wise buying" "malls are devil, full of temptation"

may savings ka naman pala eh.
rule of the thumb, before you save, you have to pay your obligations first.
kung debt free ka na, dun ka mag save and invest.

[d'flash]

may savings ka naman pala eh.
rule of the thumb, before you save, you have to pay your obligations first.
kung debt free ka na, dun ka mag save and invest.

oo nga sir eh, nabawasan na savings ko, pero okay lng, may peace of mind na ako. ako pa ngayon hinahabol ni hsbc na wag ko ipacancel card ko

[rollyic]

may pinsan ako may balak pa lang mag abroad, pinatulan yung offer sa kanya na cash advance ng CC nya.
parang 150k yung nautang nya.
nung di pa sya nakakaalis nagbabayad sya. nung makaalis sya, di na sya nagbayad.
nung hinahabol na sya ng collectors, sinasabi na nag abroad na...pero di nila sinasabi kung saang bansa. parang sinasabi nila na nasa saudi pero ang totoo nasa dubai.
hangang sa nagsawa na yung mga collectors....hindi na nangungulit.

balak naman nya, pagpauwi naman daw sya, uutang sa CC sa dubai tapos babayaran nya yung CC nya dito.

sa loob-loob ko, ang tao nga naman, basta sa kalokokhan, mautak! ;)