What Are You Thinking About?

[_Cathy_]

When should we lock up a thread?

If it's offensive, non-sense or members are fighting already. Why? Is there a thread you think needs to be locked?

[Wh1stl3r]

Kailang mo pa Isa isahin sa harap ng CCTV ng ATM, and if you want to pull out their footage, bayad ka 2k [emoji16]

Lolz. Additional revenue stream! We find ways haha.

But seriously I hope hindi totoo ito. Kalokohan na yung bank if they can't even check what they load onto their ATMs.

[Ry_Tower]

Ang drama naman nitong Mercedes F1 at itong si Hamilton. Sobrang haba na ng telenovela. Kapagod.

Ilang taon ka na? 37yo! Don't be a cry baby. Suck it up and take it as a man!!! Demmit!

Quit kung quit. Huwag puro paawa epek... Ta3ngna!

(Pwede ring sa F1 at Badtrip threads ito)

Kainis nga, parang hindi siya natsamba din ng luck nung 2008 eh vs Massa. He should be greatful still. It was not a blatant error of Massi, may kunting leeway talaga sa rules. Ayusin na lang nila kasi.

Parang si Novak din itong si LH eh, masyado madrama.

[_Cathy_]

If the person won't pay, the bank would just write it off? No matter how big the amount is?

Yes. I had to confirm with my friend who worked longer at the cards department. He said that the bank either endorses or sells the debt. Kapag endorsed sa collections agency, then the card holder can still negotiate the payment with the bank, but when it's sold then it's the discretion of the collections agency na

Kaya iwasan talaga na umabot sa collections agency

sana masagot ni cathy kasi nung time na muntik nako mag default (long story) ng almost 600k na utang sa cc over 10 years ago, may nagsabi sakin na pag over 500k daw tinutuloy ang kaso di lang daw small claims etc. buti nalang sunod sunod nagbayad yung mga singilables ko that time.

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Yes, you could have been sued

[papi smith]

May number coding na kaya ngayon? Paluwas kami ng Manila for the first time since the pandemic.

[dr. d]

May number coding na kaya ngayon? Paluwas kami ng Manila for the first time since the pandemic.

lifted daw, as per mmda.
but i do not know what the republic of makati is saying.

[H1Tman]

lifted daw, as per mmda.
but i do not know what the republic of makati is saying.

Modified number coding kami sa Makati.

7AM-7PM pa rin but kung at least 2 kayo sa car exempted na.

[papi smith]

Modified number coding kami sa Makati.

7AM-7PM pa rin but kung at least 2 kayo sa car exempted na.

I see, sapul pala kami kung bababa sa gil puyat exit ng skyway, but then, 2 pax pala lusot na, thanks [emoji106]

[bloowolf]

https://www.bilyonaryo.com/2022/02/0...i-client-p82k/


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[Wh1stl3r]

Marami palang naniniwala sa 0% installment sa credit card...

[thearsenal1205]

Filipinos spend the most time online and on social media at almost 11 hours per day—study -MSN NEWS

sobrang adik talaga natin sa socmed? why kaya unlike other neighboring countries like Indonesia, Malaysia, Thailand?

I use to get to socmed in just short times lang naman.

[_Cathy_]

Marami palang naniniwala sa 0% installment sa credit card...

Totoo naman? I got my Note 9 at 12 months 0% installment. I was told it's the same price whether cash or installment so I chose installment, at least I know the money goes to my phone instead of spending on non-sense. I tend to zero out my monthly salary and I don't even know what I spend on I am 100% sure there was no interest kasi it's price/12. I pay my full credit card balance monthly so wala talaga ako binabayaran na interest

[Wh1stl3r]

Totoo naman? I got my Note 9 at 12 months 0% installment. I was told it's the same price whether cash or installment so I chose installment, at least I know the money goes to my phone instead of spending on non-sense. I tend to zero out my monthly salary and I don't even know what I spend on I am 100% sure there was no interest kasi it's price/12. I pay my full credit card balance monthly so wala talaga ako binabayaran na interest

In some cases yes. But most will offer a "cash discount" so it will come out cheaper. Merchants will always absorb or pass on the card company's surcharge and this only gets higher as the term gets longer. So the longer the 0% installment term, the higher the margin of the merchant has to be to make up for the MDR.

I bet if you look hard enough you can find most items at a lower price for cash.

[_Cathy_]

In some cases yes. But most will offer a "cash discount" so it will come out cheaper. Merchants will always absorb or pass on the card company's surcharge and this only get higher as the term gets longer. So the longer the 0% installment term, the higher the margin of the merchant has to be to make up for the MDR.

Weird nga because we always pay cash because of the discount, I did have the cash with me, but I was told that there is no cash discount so I opted for 12 mos 0% installment. It happened twice with me (both Samsung phones) I hate paying interest kaya ever since cash kami. The ONLY thing my parents are okay paying interest on (or not paying cash for) is property/land

[dr. d]

Marami palang naniniwala sa 0% installment sa credit card...

i usually ask, "what's the discounted cash price, and what's the credit card price?
kung pareho naman...

[Wh1stl3r]

Weird nga because we always pay cash because of the discount, I did have the cash with me, but I was told that there is no cash discount so I opted for 12 mos 0% installment. It happened twice with me (both Samsung phones) I hate paying interest kaya ever since cash kami. The ONLY thing my parents are okay paying interest on (or not paying cash for) is property/land

i usually ask, "what's the discounted cash price, and what's the credit card price?
kung pareho naman...

Samsung probably protects its brand better by tightening dealer pricing/offers and that probably extends to payment options via CC. Kaya you'll find that pricing is more or less the same most places you go. But for sure may mga pasaway na dealer and those are the ones I always look for hehe.

[gearhead000]

Yes. I had to confirm with my friend who worked longer at the cards department. He said that the bank either endorses or sells the debt. Kapag endorsed sa collections agency, then the card holder can still negotiate the payment with the bank, but when it's sold then it's the discretion of the collections agency na

Kaya iwasan talaga na umabot sa collections agency

Yes, you could have been sued

Bihira lang din naman ang talagang nakakarating sa korte doon sa mga naipasang utang sa collection agency. Once na naipasa ka na, susunod na doon mag-sesend sa iyo ng demand letter supposedly from a law firm. This will go on for quite a while. If you still ignore it, continuing harassment na ang kasunod usually through harassing calls. Tapos mayroon nang pupuntang collection agent sa residence or even sa workplace mo. Then ang uso nga yata ngayon eh ipapahiya ka through social media, or even directly messaging your close contacts, sort of indirectly harassing them or para mapahiya ka lang talaga sa kanila. Until finally yung may utang na ang pupunta sa korte to stop the harassment. The court's solution would then be to come up with a settlement.

Marami palang naniniwala sa 0% installment sa credit card...

I have not bought anything via 0% cc installment, unless explicitly said na same lang talaga ang cash and cc price - usually yung sa straight cc payment (though really haven't understand this). If the value of the item is at around 10k, asahan mo na ang cash equivalent discount is around 1~2k less kung cash payment. So kung may cash ka naman, why bother? Alam ko may batas diyan against cc surcharge, kaya usually yung naka-indicate na price is supposedly the cash and cc price na. Pero in practice nga di naman nasusunod. Parating may discount pa rin sa cash payment.

[Yatta]

Read online, Download zip Maus: A Survivor's Tale comic

[BratPAQ]

Samsung probably protects its brand better by tightening dealer pricing/offers and that probably extends to payment options via CC. Kaya you'll find that pricing is more or less the same most places you go. But for sure may mga pasaway na dealer and those are the ones I always look for hehe.

Usually nakikita ko yan sa appliance stores. Dalawa naka display na price tag, isang pang CC at isang pang cash.

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[gearhead000]

^ They usually not label them as the cash and credit card prices. More like SRP and Sale Price, a 10 ~ 20% discount availed through cash payment.