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  1. #121
    I maxed out 30k from my citibank cashback credit card hehe. Ilang months din ako di nakabayad kasi nawalan ako ng work at natakot na ako bayaran kasi ba naman almost 50k na dahil sa mga interest. Nakiusap na lang ako na principal na lang bayaran ko. Ayun pumayag naman at 29k na lang binabayaran ko for 12 months.

    Ang matindi yung jcb ko kasi 8k lang ang credit limit tapos naging 14k. sabi ko ok lang basta habaan nila yung pay period kagaya sa citibank pero ayaw pumayag ng collection agency, gusto nila within 6 months (Santos law firm daw). kaya yun next time ko na lang bayaran siguro.

  2. #122
    Quote Originally Posted by tidus1203 View Post
    Basta ako la akong pakealam sa mga rason bakit di sila makapagbayad. Pera pera lang yan at ang mundo ganun talaga. When you borrow money your are selling a part of you to the creditor always remember that... So if you don't want a part of you to be sold to someone else DON'T BORROW PERIOD.
    Sino ba sa tingin mo walang utang? Baka di mo alam na ikaw at ang mga anak at apo mo di pa man sila pinapanganak may utang na sa World bank. Sa credit card, maniniwala ka ba kung sabihin ko sa yo na ako ay bayad ng matagal sa sinisingil sa akin. Interest na lang habol ng mga iyan

  3. #123
    star of the abes! tidus1203's Avatar
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    Utang natin sa World Bank wala na akong magagwa dyan kasi gobyerno naman natin nagutang at di ako pero credit card personal na utang yan at kontrolado natin yan.

    Interest is part of your debt! And everytime you pay interest is serviced first before the principal so I don't get why you say you don't owe anything buy you still owe interest??

  4. #124
    star of the abes! tidus1203's Avatar
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    Quote Originally Posted by pebo View Post
    selling a part of you?

    life can never be bought or sold. neither a person can be bought or sold, or even a part of it.

    ang inutang niya ay pera. saan mo naman hinugot ang iyong pagrarason na kapag ang ang isang tao ay umutang, ibinenta niya na rin ang kanyang buhay o pagkatao, o kahit pa parte nito, doon sa inutangan niya ng pera?


    you are saying in effect that you can own a person. that you can buy a person's life!.

    Going back to the master-slave morality huh?

    go ahead. believe in that. just dont forget that if you follow that philosophy, you must prepare yourself to be the slave someday.... because you can never be the master all the time, like you said, always remember that.
    Fortunately for me I don't OWE MONEY So I will never be owned because I know how to save and spend below my means And when I say own a person don't take it to literally. What I meant is someone else now owns a part of your time. For example if you owe P10,000 and you make P20,000 a month a part of your time which you give to your employer to make P20,000 now goes to the debt collector so figure of words lang yan when I say someone owns a part of you... SLAVERY? OH PLEASE!

  5. #125
    Jobless again! Back to PEX! haripoter's Avatar
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    Heard niyo ba yun news na utang niya sa CC ay 10,000 tapos dala raw ng interests naging 100,000. grabe yun! hehe...

    Well wala akong credit card, wala naman kasi akong job... haha... Well, that's the number one requirements, san ka kukuha ng pambayad mo if you don't have a job. hehe...

    Well nung naging TL ako dati, nag-apply ako ng CC sa Standard Chartered ba yun? Tumawag sa bahay. Tapos tinanong niya ako kung Prepaid or Postpaid ang landline ko. Sabi ko Prepaid, ayun kaya nareject hahaha....

    Well ayokong mag CC kasi bukod sa di naman ako ligible magkaroon... ayokong matulog na nagiisip pa rin kung pano ko babayaran ang utang ko hehe...

    In my opinion wala pa yatang nakukulong sa CC debt pero Estafa oo. Ayokong mag-judge sa mga nalubog sa CC kasi meron naman silang kanya-kanyang dahilan. Bisyo. Family. Salary thing na rin at etc. etc. yun lang po.

    Goodluck po! kaya niyo yan!

  6. #126
    the truth hurts, does it? metropolitan's Avatar
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    I've heard of fraud charges (criminal) filed against debtors who have not made a single payment since the credit card or unsecured loan was issued. Once found guilty malamang may kulong or criminal record.

  7. #127
    Quote Originally Posted by haripoter View Post
    Heard niyo ba yun news na utang niya sa CC ay 10,000 tapos dala raw ng interests naging 100,000. grabe yun! hehe...
    Aabot talaga ang P10K to P100K within 3 years pag hindi binabayaran. Besides the 3.5% monthly interest on unpaid balance you are also charged 7% monthly on the amount that's due. May kasabihan nga, "lahat ng malaki, nagsisimula sa maliit." It holds true pagdating sa utang.



    ALVIN T. TABANAG, RFP
    Money Management Coach
    www.pinoysmartsavers.com

  8. #128
    star of the abes! tidus1203's Avatar
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    3.5% a month is a hefty 42% a year. And every month the interest compunds meaning the interest forms a part of the principal and then charged 3.5% again. Kung tutuusin credit cards are like legalized and formalized 5-6.

  9. #129
    I've heard of fraud charges (criminal) filed against debtors who have not made a single payment


    There was the intention to defraud at the on-set( supplied false info/documents) ;

    re: 5/6

    dont you think we should bring back the Usury Law or have an updated definition of what is " an excessive and unconscionable interest rate"?

  10. #130
    Jobless again! Back to PEX! haripoter's Avatar
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    ^
    ^^
    ^^^

    nakupo buti na lang at di ako nagcredit card... siguro apply me nyan pag meron na meng 1 million siguro hehe... hirap na kasing ibulsa yun hehe...

    thanks po sa mga info...

  11. #131
    the truth hurts, does it? metropolitan's Avatar
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    Quote Originally Posted by bankerII View Post
    I've heard of fraud charges (criminal) filed against debtors who have not made a single payment


    There was the intention to defraud at the on-set( supplied false info/documents) ;

    re: 5/6

    dont you think we should bring back the Usury Law or have an updated definition of what is " an excessive and unconscionable interest rate"?
    The BSP should step in and regulate loan interest rates on unsecured loans. Also, there was a bill filed by Senator Escudero setting the credit card interest rate at a fixed 12% per annum similar to the legal interest rate used by courts.

    Some (those involved in the credit card industry) say that the passage of the Credit Information System Act will lessen the risk in unsecured loans/credit cards and may decrease interest rates to those have good credit. (News report)

  12. #132
    sana nga maipasa ito. para naman tayong mga good payors ay hindi mahirapan sa pagbabayad ng utang ng iba. dont get me wrong ha. victim din ako nito. i was young then at kakaumpisa pa lang magwork. nasira din ang credit history ko with my first credit card. kaya i took the decency to clean it last year lang and slowly but surely eto naregain ko na yung aking credit history. at ngayon ko **** nalaman yung concept of responsible creditor/debtor. whether we like it or not, admit it or not, hindi natin pera ang credit limit na ibingay satin. utang ito na kapag ginamit mo by all means kailangan mong bayaran. no excuse.

  13. #133

    credit card defaultee

    can someone please help me with my problem. I have 3 credit cards all of it had defaulted or past due for already for two months.My problem started when my mother got sick with diabetes it got complicated with highblood and tb. Of course as a daughter my primary concern is the health of my mother she was on and off in the hospital and of course malaki din yong gastusin for hospitalizations, medicines and consultations. Kaso ang nangyari di ko na nabayran ang credit card ko at that time. Natakot na din ako kasi because they demanded for the minimum amount para di ma blacklist o ma suspend yong account ko. At this moment kasi talagang walang-wala ako to pay at least 1 of my credit cards. Ang citibank ko na may principal amount of P50K tumaas na ng P82K which they will demand me to pay pag di ko nabayran today and they will endorse it to legal attorney/collection agency. Of course. ive been a good payor for the last 1yr kasi balance transfer yon. Tapos di naman ako kumuha pagkatapos na nang balance transfer ko with them..HSBC ko naman umabot na nang 28K kasi ginamit nang kapatid ko and unfortunately iniwanan ng husband di makapagbayad kasi wala din income sa ngayon kaya nag default..metrobank bank ko naman 27K principal nalang sana i tumaas na naman ng P30K kasi di ko rin kayang bayaran sa ngayon. Ano ba dapat gawin ko dito naki usap ako na sana bigyan nila ako nang extension kasi til now my mother is on and off sa ospital unexpected situation ang nangyari.. makukulong kaya ako pag next yr ko na babayran nang pa unti unti credit card ko? what will i do now...ive been desperate like others hinaharass na din ako ng credit card company. I acknowledge na nagkaka utang ako sa kanila pero sa sana naman they will give me an option na magaan lang para sa akin. I have the heart to pay but at this moment kasi talagang may main concern is the health of my aging mother. Tapos gusto ko na din mag resign sa present job ko to go abroad applying in an agency para lang mabayaran whatever credits i have dito. Kaya lang concern din ako baka ma hold ako sa embassy...ano ba dapat kong magiging action for my bad credit now....sana naman malinawan nyo ako. Im confused and desperada na talaga. Natatakot ako sa Citibank baka kasi pupuntahan ako ng any representatives or legal attorney nila and garnish everything. What shall i do in order to lower down the accountabilities i have for them kong baga principal amount nalang yong babayaran. Will they file a case against me? kumuha ako yesterday ng nbi clearance kasi natakot na din ako baka sa katagalan ma hold yong clearance ko...so far no derogatory record naman ako...please...please....please...help me..

  14. #134
    the truth hurts, does it? metropolitan's Avatar
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    Quote Originally Posted by cacy_desperada View Post
    can someone please help me with my problem. I have 3 credit cards all of it had defaulted or past due for already for two months.My problem started when my mother got sick with diabetes it got complicated with highblood and tb. Of course as a daughter my primary concern is the health of my mother she was on and off in the hospital and of course malaki din yong gastusin for hospitalizations, medicines and consultations. Kaso ang nangyari di ko na nabayran ang credit card ko at that time. Natakot na din ako kasi because they demanded for the minimum amount para di ma blacklist o ma suspend yong account ko. At this moment kasi talagang walang-wala ako to pay at least 1 of my credit cards. Ang citibank ko na may principal amount of P50K tumaas na ng P82K which they will demand me to pay pag di ko nabayran today and they will endorse it to legal attorney/collection agency. Of course. ive been a good payor for the last 1yr kasi balance transfer yon. Tapos di naman ako kumuha pagkatapos na nang balance transfer ko with them..HSBC ko naman umabot na nang 28K kasi ginamit nang kapatid ko and unfortunately iniwanan ng husband di makapagbayad kasi wala din income sa ngayon kaya nag default..metrobank bank ko naman 27K principal nalang sana i tumaas na naman ng P30K kasi di ko rin kayang bayaran sa ngayon. Ano ba dapat gawin ko dito naki usap ako na sana bigyan nila ako nang extension kasi til now my mother is on and off sa ospital unexpected situation ang nangyari.. makukulong kaya ako pag next yr ko na babayran nang pa unti unti credit card ko? what will i do now...ive been desperate like others hinaharass na din ako ng credit card company. I acknowledge na nagkaka utang ako sa kanila pero sa sana naman they will give me an option na magaan lang para sa akin. I have the heart to pay but at this moment kasi talagang may main concern is the health of my aging mother. Tapos gusto ko na din mag resign sa present job ko to go abroad applying in an agency para lang mabayaran whatever credits i have dito. Kaya lang concern din ako baka ma hold ako sa embassy...ano ba dapat kong magiging action for my bad credit now....sana naman malinawan nyo ako. Im confused and desperada na talaga. Natatakot ako sa Citibank baka kasi pupuntahan ako ng any representatives or legal attorney nila and garnish everything. What shall i do in order to lower down the accountabilities i have for them kong baga principal amount nalang yong babayaran. Will they file a case against me? kumuha ako yesterday ng nbi clearance kasi natakot na din ako baka sa katagalan ma hold yong clearance ko...so far no derogatory record naman ako...please...please....please...help me..
    As you should have read on this thread hindi ka pwedeng ikulong o i-harass man ng kung sino sa hindi pagbabayad ng utang.

    Can you take out an SSS salary loan? You can use the amount to partially pay whatever you own. The interest rate i believe is less than or around 12% per year.

    Bago magsampa ng civil case (not criminal) ang mga creditors mo try talking to them and work out a payment plan. Creditors may be willing to settle for a payment plan than go to court.

  15. #135
    Hi guys. Just in case anyone of you guys are harrassed by cc collectors we have BSP Cir known as the unfair collection practice act i think. You can contact Ms. Joy Lorico BSP consumer affairs unit tel 524-7011 loc 2584. I have read this somewhere and kept this info just in case i need to use it one day.

    Quote Originally Posted by bankerII View Post
    There is a humane way to collect debt.
    Just because you are in default does not give the collectors the right to :
    - shame you in public
    - berate your katulong , co-employees your aging parents, even your
    five year old child for your utang
    - deceive you about him being Atty. SPO1 from the Court etc.

    ( its not even their money you owe)

    The situation is a microcosm of the Philippines - Prioritizing our external obligations ( w/c are mostly immoral loans) before providing basic services to the Filipinos.

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  17. #136
    star of the abes! tidus1203's Avatar
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    Quote Originally Posted by metropolitan View Post
    The BSP should step in and regulate loan interest rates on unsecured loans. Also, there was a bill filed by Senator Escudero setting the credit card interest rate at a fixed 12% per annum similar to the legal interest rate used by courts.

    Some (those involved in the credit card industry) say that the passage of the Credit Information System Act will lessen the risk in unsecured loans/credit cards and may decrease interest rates to those have good credit. (News report)
    Well 12% is too low naman for credit card companies to even think of doing business.. Mas risky talaga mag operate ng credit card business sa Pilipinas vs the US for example since we have a much much lower per capita income. But I do hope that rates become client specific and not generalized unlike now where everyone gets a 3.5% per month regardless you're a good or bad creditor.

  18. #137
    Quote Originally Posted by pebo View Post
    generalizations.. generalizations... why do we always conclude when we have little information on hand?

    di nagbayad ng credit card-- equals makapal ang mukha-- equals masamang tao---etc.. etc.. bakit ganun? kawawang nilalang, hinusgahan na ang kabuuan ng kanyang pagkatao...

    sabi nga ng aking kaibigan...

    Between feeding my family and feeding their (CC's) greed, I'll take my family any time. ...

    bakit naman kasi mangungutang if di naman magbabayad di ba? what does it say about that person?

  19. #138
    Quote Originally Posted by pebo View Post
    yes. . see "maxed out" and you will see the Reality..
    not the reality you choose to see, but the reality that is happening.. validated by true to life experiences.... there you will see how and why people were led to a financial trap...

    want more proof?
    http://failuretopaycreditcard.wordpress.com/

    still, some people fail to see beyond not being able to pay his/her cc debt, or they just dont want to open their minds?

    it seems that it is as simple as 1 plus 1 equals two... or reducing all to just black and white... Life is dynamic and as I quote a friend of mine...".... we cannot choose what happens to us in life, can we? We can only choose how to react to it and live our life after it..."


    what happened to our faculty of abstraction? let us not be turned into mindless and heartless machines that sees only the things that are being fed to them.

    all that i am saying is for us to stop judging anyone on the sole basis of them not being able to pay his/her credit card debt.

    if it is a financial trap, then maybe we should stop acquiring credit cards. pwede naman e. like me, ang daming nag-ooffer ng credit cards, lahat tinanggihan ko. up to now, pinag-iisipan ko pa kung kukuha nga ako kasi i don't want to be led to be a financial trap nga.

    siempre ang thinking ko, what if bigla ngang me dumating na mga financial problems, tapos pano ang credit card ko? ayoko naman tumakbo sa utang ko. if ganun ang thinking mo, then hindi ka kukuha ng credit card. hindi kumita sayo ang bank at wala kang utang. ganun lang kasimple.

  20. #139
    Jobless again! Back to PEX! haripoter's Avatar
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    siyanga pala guys and gals, kung meron na at matagal kayong may credit cards, wag na kayong magtaka kung tatagawan kayo ng 1 or more pang credit card companies... offering you another credit card... with speedier application na... because they know you are financially trapped already!

    well, thats what happened to my friend with lots of credit cards around 10 pcs? she said she didn't apply there and wondering why they know her and her number...

    this is just based on my observation...

    goodluck

  21. #140
    the truth hurts, does it? metropolitan's Avatar
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    Quote Originally Posted by tidus1203 View Post
    Well 12% is too low naman for credit card companies to even think of doing business.. Mas risky talaga mag operate ng credit card business sa Pilipinas vs the US for example since we have a much much lower per capita income. But I do hope that rates become client specific and not generalized unlike now where everyone gets a 3.5% per month regardless you're a good or bad creditor.
    Banks can charge as low as 0.88% per month on unsecured personal loans. It is incomprehensible why most banks keep charging 3.5% per month on credit cards.

    In Vietnam credit card interest rates are about 21% per annum only. (Source). Ito nga from 0.73% per month. Yet our per capita income is slightly higher.
    Last edited by metropolitan; Sep 4, 2008 at 02:29 PM.

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