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Credit Card Payment Problem

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76 Unpaid CreditCard on Wed Aug 02, 2017 1:30 pm

jgwalker23


Arresto Menor
Tulong nmn po, i have a CC and ndi ko na cia na bayaran.. then my ipon na ako, im planning to pay this coming days.

should i coordinate on the law firm? or rekta na ako sa bank?

thank you so much for the time.

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77 Re: Credit Card Payment Problem on Wed Aug 02, 2017 1:36 pm

Patok


Reclusion Perpetua
try to contact first the bank.. they will tell you what to do.

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78 Re: Credit Card Payment Problem on Wed Aug 02, 2017 1:41 pm

jgwalker23


Arresto Menor
Thank you po. Ill call the bank =)

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79 Credit card payment on Mon Aug 07, 2017 12:47 pm

jgwalker23


Arresto Menor
Hi Everyone,

Patulong po,

Bakit po mag kaiba ung balance nung soa ko from the bank and payment that the collection representative is asking?

my CC got blocked po then paid half last week.

im planning to pay it in full next week.
ano pong susundin ko.

Any advice , kanino po ako makikipag coordinate sa bank or collection representative.

salamat in advance.

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80 Re: Credit Card Payment Problem on Mon Aug 07, 2017 3:34 pm

xtianjames


Reclusion Perpetua
kay bank mo muna try makipag coordinate since si bank din naman kailangan magclear sayo.

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81 Re: Credit Card Payment Problem on Mon Aug 07, 2017 3:44 pm

jgwalker23


Arresto Menor
Thank you .

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82 Re: Credit Card Payment Problem on Wed Aug 30, 2017 11:29 pm

Worried18


Arresto Menor
Good day! Got the same problem.. I had a balance on a 2 bank worth 700k, I am a good payer but unfortuantely my husband lost his job and Icannot pay the minimum amount which is 11k. Wala naman akong planong tumakbo.. Nakabayad naman ako last month pero this coming month eh d ko na un mababayaran.. Need help.. Ano po ba ang magandang gawin..

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83 Re: Credit Card Payment Problem on Tue Nov 07, 2017 8:34 am

leehanz


Arresto Menor
edjoy11 wrote:Thank you po. Actually tumawag pa nga sila sa employer ko sya daw ay taga phil. new star ung news paper ipopost daw nila ung muka ko sa newspaper. employer ko pa talaga ang nakausap nila. sinabi pa nila na may kaso na daw ako sa nbi, meron na daw ako derogatory record sa nbi. buti nlang di naniwala ung employer ko.

puwede mo na idemanda yun collection agency ng harassment walang kinalaman ang employer mo sa utang mo kaya wala ka dapat ikatakot.

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84 Re: Credit Card Payment Problem on Tue Nov 07, 2017 8:36 am

leehanz


Arresto Menor
tca33 wrote:Help! I couldn't pay 2 credit card balance (same bank) because of financial problem. The bank offered me a restructed payment program. I agreed and signed the documents they gave me. I cannot pay the agreed amount anymore. Kala ko kaya ko bayaran. One month pa lang nababayaran ko and my financial status is getting worse. Pag kinasuhan ako ng bank, as they mentioned to me, pwede ba ako makulong for breach of agreement? Asa 500k na din kasi yung balance nadagdagan na din because of interest, late charges and finance charges.

kung wala ka talaga kakayanan na mag bayad wala magagawa yun bank sayo kundi kulitin ka mag bayad, kahit mag file sila ng case at manalo wala din sila makukuha sayo lalo lang sila mawawalan ng pera kaya wag ka na mag alala at mag hanap ka nalang ulit ng trabaho.

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85 Re: Credit Card Payment Problem on Tue Nov 07, 2017 8:38 am

leehanz


Arresto Menor
jgwalker23 wrote:Tulong nmn po, i have a CC and ndi ko na cia na bayaran.. then my ipon na ako, im planning to pay this coming days.

should i coordinate on the law firm? or rekta na ako sa bank?

thank you so much for the time.

rekta ka na sa bank wag ka mag babayad sa mga collection agency dahil pipilitin ka nila mag bayad sa malaking halaga pero ang ibabalik nila sa banko at yun original na utang mo lang

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86 Re: Credit Card Payment Problem on Sat Dec 02, 2017 8:32 am

mhaygirl


Arresto Menor
budz_1234 wrote:
lenzalai wrote:
Kr0max07 wrote:Hello!

Hi Kromax07 Smile

have you tried getting NBI clearance after the credit cards issues mo? did u got hit?  Question  


hi just recently 1month ago i dit get my NBI clearance for a new job, and wala pong hit, i think NBI is for legal cases only, credit cards if meron case is its Civil.. kagaya po ni Kromax07 dpa rin ako bayad and theyre still bothering me... to the point na in their 6years of harrassing and shaming me i learned to fight them thru and text and calls. and afte all the horror they did to me i think nawalan na ako ng gana to settle it.

Hi Kromax,

I have in same situation kaka apply ko lang ng nbi kahapon kasi requirement sa pag alis ko papunta saudi. kaso sa ilang beses ko pag renew kahapon lang ako na hit na bothered ako bigla kasi ang alam ko lang na issue ko eh yung mga unpaid credit card debts ko. kaya nga mag aabroad ako para ma settle ko yung mga naiwan ko obligasyo sa credit card company. at mas prefer ko makipag settle sa bank kesa sa mga collections agency kasi nanloloko din sila

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87 Re: Credit Card Payment Problem on Mon Dec 04, 2017 1:35 am

Nelia P. Salazar


Arresto Menor
I have incurred a credit card loan of more than P400K from BPI due to cash advances, expenditures on purchases, including monthly interests and penalties. I am currently jobless and requesting your advice on how I can negotiate with the bank for a moratorium on payments. Would an application for bankruptcy under Chapter 7 be appropriate when I have no valuable property, cash nor bank deposit for liquidation of said obligation? I am 84, single and have depended on income from intermittent teaching assignments and research projects which did not suffice to meet my material needs. By the grace of God, I am still able to work if I can find one. What would be a realistic arrangement for deferment of payment at the lowest possible rate that would be acceptable to the bank under the law?

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