credit card debt. can they reposses car as recovery

[shadow]

You can close/cancel a card kahit may balance pa. That's what some card holders do so they won't be tempted to use it anymore, pero ang charges tuloy tuloy pa rin

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Pwede!? Kung ganyan pala tama yun stand ko na pag hinde na kayang bayaran huwag na bayaran. wala na talaga pakialam bank talaga sa mga balance sa card.


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[Ry_Tower]

Pwede!? Kung ganyan pala tama yun stand ko na pag hinde na kayang bayaran huwag na bayaran. wala na talaga pakialam bank talaga sa mga balance sa card.


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Kung P50K below,walang bank kakasuhan ka. Hindi ka na nga lang makautang or baka pati makakuha ng CC sa ibang bank hehe

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[shadow]

Kung P50K below,walang bank kakasuhan ka. Hindi ka na nga lang makautang or baka pati makakuha ng CC sa ibang bank hehe

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Yes. Assuming hinde mo na ng kaya magbayad talaga sa CC, for me huwha na talaga magbayad. Sira na din credit mo eh.


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[makelovenotwar]

So nung mabayaran mo ang utang mo pwede na ulit umutang, as in burado na ang nakaraan?

Oo, na-approve yung loan ko sa Security Bank after ko bayaran yung utang ko sa Citibank. Sinama ko sa submitted documents ko sa Security Bank yung certification galing sa Citibank na bayad na ako. Hindi naman agad-agad yung pag-loan ko sa Security Bank. Siguro mga 2 months after ko magbayad sa Citibank.

So hinayaan mong ma blacklist ka dahil sa ₱3.5k? I mean, ano ginawa mo sa card? Hinde mo naman pwede pa cancel dahil meron ka pa balance. Sent from my iPhone using Tapatalk

Hindi ko na ginamit yung Citibank CC ko simula nung hindi sila pumayag na i-waive yung annual fee. Citibank na mismo yung nag-deactivate nung card ko.
Yes, hinayaan kong ma-blacklist ako dahil lang sa P3.5k. Nagkamali ako dun.

[_Cathy_]

Pwede!? Kung ganyan pala tama yun stand ko na pag hinde na kayang bayaran huwag na bayaran. wala na talaga pakialam bank talaga sa mga balance sa card.

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I'm totally against that. Kaya maraming dead beat fathers kasi ang thinking nila, wala akong pera kaya hindi ako mag sustento. Kung gusto may paraan, kung ayaw may dahilan. Nakinabang siya sa goods and services na pinangbayad niya sa card kaya dapat bayaran niya.

Hindi ko na ginamit yung Citibank CC ko simula nung hindi sila pumayag na i-waive yung annual fee. Citibank na mismo yung nag-deactivate nung card ko.
Yes, hinayaan kong ma-blacklist ako dahil lang sa P3.5k. Nagkamali ako dun.

You could have complained about the collection agent. That happened to me also, Citibank din. They gave me a CC that I NEVER used. When they charged me for AF I asked to reverse and close but the idiot agent spoke to my MANAGER about my "delinquent account". As bankers, INTEGRITY and REPUTATION is important for us kaya I was fuming mad when I found out. I explained to my manager that it was AF for a PREAPPROVED card.

Ang problema sa karamihan ng pinoy employees HINDI MARUNONG MAG ISIP. Walang common sense. Nakita naman na PRE APPROVED, NO USAGE and they expect me to pay the AF? Too bad for that agent because I had a close friend that's an officer at Citibank kaya ESCALATED siya I really didn't want to bother my friend but that agent deserves to be reprimanded so she could use her brains next time.

OT lang pero isa yan sa frustration ko sa Pilipinas, ang daming walang common sense. Sa US (and other first world countries) ang gaan ng buhay when dealing with the government or customer service.

[papi smith]

You could have complained about the collection agent. That happened to me also, Citibank din. They gave me a CC that I NEVER used. When they charged me for AF I asked to reverse and close but the idiot agent spoke to my MANAGER about my "delinquent account". As bankers, INTEGRITY and REPUTATION is important for us kaya I was fuming mad when I found out. I explained to my manager that it was AF for a PREAPPROVED card.

Ang problema sa karamihan ng pinoy employees HINDI MARUNONG MAG ISIP. Walang common sense. Nakita naman na PRE APPROVED, NO USAGE and they expect me to pay the AF? Too bad for that agent because I had a close friend that's an officer at Citibank kaya ESCALATED siya I really didn't want to bother my friend but that agent deserves to be reprimanded so she could use her brains next time.

.

Is this sometime 2003, same thing happened to me, malinaw na usapan walang AF. Buti di ko pa nagamit, at dumating ang SOA, AF ang naka bill, so pinabayaan ko lang. Nagkaron pa ng charges . Tapos ayun sunod sunod na ang bastusan na tawag, sa office, sa phone ko, na radyo pa yan ni Mike Enriquez. Tumigil na lang nung na pakyu ko . Alam nila di ako magpapaloko. Tingin ko modus talaga, entrapment, pag mahinang nilalang ka babayad ka na lang.

[shadow]

I'm totally against that. Kaya maraming dead beat fathers kasi ang thinking nila, wala akong pera kaya hindi ako mag sustento. Kung gusto may paraan, kung ayaw may dahilan. Nakinabang siya sa goods and services na pinangbayad niya sa card kaya dapat bayaran niya.



You could have complained about the collection agent. That happened to me also, Citibank din. They gave me a CC that I NEVER used. When they charged me for AF I asked to reverse and close but the idiot agent spoke to my MANAGER about my "delinquent account". As bankers, INTEGRITY and REPUTATION is important for us kaya I was fuming mad when I found out. I explained to my manager that it was AF for a PREAPPROVED card.

Ang problema sa karamihan ng pinoy employees HINDI MARUNONG MAG ISIP. Walang common sense. Nakita naman na PRE APPROVED, NO USAGE and they expect me to pay the AF? Too bad for that agent because I had a close friend that's an officer at Citibank kaya ESCALATED siya I really didn't want to bother my friend but that agent deserves to be reprimanded so she could use her brains next time.

OT lang pero isa yan sa frustration ko sa Pilipinas, ang daming walang common sense. Sa US (and other first world countries) ang gaan ng buhay when dealing with the government or customer service.

Iba naman yan na irresponsible father sa mabaon na sa utang sa CC. Ano nga gusto mo gawin kung wala na talaga panbayad?


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[_Cathy_]

Is this sometime 2003, same thing happened to me, malinaw na usapan walang AF. Buti di ko pa nagamit, at dumating ang SOA, AF ang naka bill, so pinabayaan ko lang. Nagkaron pa ng charges . Tapos ayun sunod sunod na ang bastusan na tawag, sa office, sa phone ko, na radyo pa yan ni Mike Enriquez. Tumigil na lang nung na pakyu ko . Alam nila di ako magpapaloko. Tingin ko modus talaga, entrapment, pag mahinang nilalang ka babayad ka na lang.

Yes! It happened Oct 2002. CT was very aggressive in giving out CCs in the early 2000s. I still have that strongly worded letter I addressed to the head of Citibank You're right, they will intimidate and see who gives in. Not only did I not pay, I made sure that the idiot agent got escalated. Serves her right for almost ruining my reputation at work. First job at bago pa naman ako sa office

Iba naman yan na irresponsible father sa mabaon na sa utang sa CC. Ano nga gusto mo gawin kung wala na talaga panbayad?

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same logic, in any situation pwedeng sabihin na "wala talaga ako pambayad" Whether sustento or utang, it's still a person's responsibility to pay

[sirkosero]

I'm totally against that. Kaya maraming dead beat fathers kasi ang thinking nila, wala akong pera kaya hindi ako mag sustento. Kung gusto may paraan, kung ayaw may dahilan. Nakinabang siya sa goods and services na pinangbayad niya sa card kaya dapat bayaran niya.



You could have complained about the collection agent. That happened to me also, Citibank din. They gave me a CC that I NEVER used. When they charged me for AF I asked to reverse and close but the idiot agent spoke to my MANAGER about my "delinquent account". As bankers, INTEGRITY and REPUTATION is important for us kaya I was fuming mad when I found out. I explained to my manager that it was AF for a PREAPPROVED card.

Ang problema sa karamihan ng pinoy employees HINDI MARUNONG MAG ISIP. Walang common sense. Nakita naman na PRE APPROVED, NO USAGE and they expect me to pay the AF? Too bad for that agent because I had a close friend that's an officer at Citibank kaya ESCALATED siya I really didn't want to bother my friend but that agent deserves to be reprimanded so she could use her brains next time.

OT lang pero isa yan sa frustration ko sa Pilipinas, ang daming walang common sense. Sa US (and other first world countries) ang gaan ng buhay when dealing with the government or customer service.

Highly regulated kasi ang banking and it is supposedly built on trust. In our bank, unpaid obligations from lending institutions may lead to termination of employment.... Imagine, hawak mo pera ng ibang tao tapos di ka marunong magmanage ng finances mo...

Usually pag annual fee and related charges ang cause ng delinquency di na hinahabol. Di na rin nirereport pero may kups talaga na collections. Buti madali lang maresolve ang ganyan ngayon pag nagemail cc bsp.

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