Social Climbers

[uls]

ganyan talaga mga SC, projection. superficial e.

parang yung officemate ko, pag sinabi mo na meron ka, sasabihin niya meron tita niya, tito, pinsan, lahat nalang. lahat nalang "friend" niya. kahit na acquaintance lang. tapos madalas nasa phone "hows lola's time deposit of 1.5M na?" parati nagpaparinig hehe pero nung nagusap kami about SDA, hindi na alam. hanggang time deposit lang hehe

mayaman daw sila pero kung mandaya sa petty cash..

hahaha ano klaseng tanong yan? "how's lola's time deposit?" duh. eto naka time deposit parin...

[greenlyt]

hahaha ano klaseng tanong yan? "how's lola's time deposit?" duh. eto naka time deposit parin...

sinisigurado lang nila na safe and naka deposit yun pera ni lola, para pag na dedo (knock on wood) may mamanahin sila
pero mahirap kunin yun kung naka deposit sa bank

[chua_riwap]

Di baleng value meal lang, naka SiR naman. . . .

[uls]

sinisigurado lang nila na safe and naka deposit yun pera ni lola, para pag na dedo (knock on wood) may mamanahin sila
pero mahirap kunin yun kung naka deposit sa bank

kung mayaman talaga siya ang tanong dapat "HEY, DUMATING NA BA ANG DIVIDEND CHECK?!"

[crazy_boy]

Dapat siguro Gold, Platinum or Premium(black) cards....

16.4K:bond:

sama mo pati yung infinite cards. tapos makita mo sa credit card na nakalagay "Priority Banking". yari yung mga katabi na SC haha

hahaha ano klaseng tanong yan? "how's lola's time deposit?" duh. eto naka time deposit parin...

sinisigurado lang nila na safe and naka deposit yun pera ni lola, para pag na dedo (knock on wood) may mamanahin sila
pero mahirap kunin yun kung naka deposit sa bank

mahilig lang magparinig yun officemate ko na yun. ang kwento parati e tungkol sa kaibigan niya or kamaganak niya. one time, nagkwento pa na kamaganak daw nila yung may-ari ng isang malaking Foam manufacturer dito sa pinas. nagtaka ako kasi Chinese yung mayari and pinay officemate ko hehe

[foresterx]

pero dami na may credit card eh

ordinary employee may credit card

hindi gauge yan kung rich ang isang tao

i agree with this. sobra dali kumuha ngayon ng credit card lalo sa bdo, yung ibang mga employee namin nagugulat ako minimum wage earners lang pero may credit card sa bdo tapos credit limit 30k eh 1 month salary nila is less than half of 30k. di ko alam kung pano sila nabibigyan ng ganon.

Ako rin. Hahaha
SC na rin pala ako.

May credit card ako yung BPI Gold, HSBC pati BPI Edge Master Card.

Yung Gold hindi ko pa nagamit dahil mataas ang credit limit, 300k yata. Nakak temp!

Yung dalawa naman incase of emergency lang pag naalanganin na walang cash, pero usually hindi nagagamit pag may trip lang sa abroad nagagamit yun.

i only have 2 credit cards.

BPI petron - for fuel of my cars

HSBC - for everything else, even though my credit limit for this card is very high i never went past 250k.

[uls]

i agree with this. sobra dali kumuha ngayon ng credit card lalo sa bdo, yung ibang mga employee namin nagugulat ako minimum wage earners lang pero may credit card sa bdo tapos credit limit 30k eh 1 month salary nila is less than half of 30k. di ko alam kung pano sila nabibigyan ng ganon.

minimum lang binabayad

then later on pati minimum di na binabayaran

kaya very busy mga collection agency. dami delinquent

[foresterx]

kaya very busy ang mga collection agency. dami di nakakabayad

what worries me is how they get approved. alam ko dami hinihingi pag nag apply ng credit card diba, so ibig sabihin bale wala din pala yung mga hinihingi nila requirements.

[cjv_justice]

minimum lang binabayad

then later on pati minimum di na binabayaran

kaya very busy mga collection agency. dami delinquent

naku patay tayo diyan kapag MPD lang binabayad.


yung mga SC kaya kapag na-holdap sa jeep, trike or public transpo ano kaya mga spiels nila? makapag conyo linggo parin kaya sila?

[vinj]

mahilig lang magparinig yun officemate ko na yun. ang kwento parati e tungkol sa kaibigan niya or kamaganak niya. one time, nagkwento pa na kamaganak daw nila yung may-ari ng isang malaking Foam manufacturer dito sa pinas. nagtaka ako kasi Chinese yung mayari and pinay officemate ko hehe

When i was just starting, i had an officemate na ganyan. Mesiza looking (pero mukhang matapang), español kuno yung family name niya, and when she talks to her dad on the phone, she tries to talk in half baked Spanish na laging may kasamang pun-shet-ha. Pag nakita yung CEO, feeling close siya since friend daw ng dad niya (eh WTF naman yung face ng CEO when she talked to him once). May delusions of grandeur din (she always talks about Spain, buying her mom stuff, etc) pero commute lang naman lagi and i heard later on na panay utang sa mga ibang friends niya at work. She was said to marry into a rich sounding family name but from what I know, I wouldn't touch them with a ten foot pole when it comes to money and business.

[lowslowbenz]

Isang badingerzi na office mate to another badingerzi na office mate:

Oys may tumawag, hinahanap ka Metrobank daw chorva
Pag tumawag ulet mare sabihin mo resign na, di na ako makabayad ng utangaycious ko!

Nak ng teteng ... salot talaga sa lipunan tong mga to!

[skybison]

what worries me is how they get approved. alam ko dami hinihingi pag nag apply ng credit card diba, so ibig sabihin bale wala din pala yung mga hinihingi nila requirements.

me mga pakulo yun mga CC companies na "pre-approved" (lalo na sa kilalang company ka nag-wo-work), they just have to send you the card na - pa activate and kas-kas you want. (with limits from 15k up)

[SiRbossR]

haha totoo lahat ng sinabi dito sa thread. daming SC kahit saan ngayon. even sa mga flights, may makikita ka na parang mag didisco ang bihis. :laughbounce:

[uls]

understandable naman madami SC ngayon. many people are moving up from poverty

OFW remittances and the BPO industry have improved the standard of living of millions of people

nakakabili ng bahay, appliances, sasakyan... may extra money pang starbucks hehe

may growing middle class ang Pinas which is good for stability

[niky]

may growing middle class ang Pinas which is good for stability

Like in China? Rising affluence plus increased consumer spending?

Of course... the question is whether that can be sustained or whether it will reach bubble status... when the banks have more accumulated uncollected... errh... collectibles than they have actual income...

[greenlyt]

me mga pakulo yun mga CC companies na "pre-approved" (lalo na sa kilalang company ka nag-wo-work), they just have to send you the card na - pa activate and kas-kas you want. (with limits from 15k up)

dami din ako natatanggap na pre-approved na card, ginagawa ko pinuputol ko na lang

[skybison]

dami din ako natatanggap na pre-approved na card, ginagawa ko pinuputol ko na lang

that's mature thing to do, lalo na kung alam mo naman talaga real needs mo. But majority targets nito yun mga fresh grads na sabik gumastos - spending beyond their means....

[uls]

Like in China? Rising affluence plus increased consumer spending?

that and it's good to have a big middle class than a large underclass and small upper class with nothing in between

Of course... the question is whether that can be sustained or whether it will reach bubble status... when the banks have more accumulated uncollected... errh... collectibles than they have actual income...

boom and bust cycle

kaya let's enjoy the party while it lasts

[CVT]

^^^ Yes bro.....

But, at the same time, getting ready for the bust cycle for some great opportunities...

16.4K:bond:

[vinj]

understandable naman madami SC ngayon. many people are moving up from poverty

OFW remittances and the BPO industry have improved the standard of living of millions of people

nakakabili ng bahay, appliances, sasakyan... may extra money pang starbucks hehe

may growing middle class ang Pinas which is good for stability

Good for stability, fun for Uls. Dadami ang subjects na pwedeng I-observe sa milkteahan. :D