I'm working on an ebook regarding credit cards and debt management intended for Philippine audience. Having first hand experience with 5 credit cards, and being drowned with debts myself, it will be an ongoing project that will document how will I recover from my current financial situation.
I've already known a lot of things about credit card stuffs, and now that I am a credit card agent, with minimum of 1 credit card application a day, I want to try all other credit cards I haven't had, and tell my experience about them.
If you have a word or two about credit cards, how to manage them, how to react when their collection department nags you to pay, or a letter from a law firm is sent to you... What to do when you're already can't pay your bills, declaring bankruptcy in the Philippines, etc If you have even a tiny thought related to it, please share and I'll gladly include some acknowledgement in the ebook. ;))
ps
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regarding my six-digit indebtedness, I have already figured out a plan how to be financially free by next year. I have found the secret. Did you also read the book? or did you watch the film?
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posted by
musikero, 4 months ago
try american express... :D
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posted by
Areflexia, 4 months ago
You wanna pay it off quickly? Dont make minimum payments capital/interest ratio is ridiculous, try not to use all of your CC, as much as possible keep only one and only use it for emergency.
btw nice job plug. lolz
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posted by
wicked1925, 4 months ago
i have an AMEX card and f*ck it's a pain in the ass 1 time payment card. good thing is it's a corporate card so i can reimburse my expenses as long as i have the receipt hehe
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posted by
listahan, 4 months ago
i dont own a CC. i want one but always have doubts about it kasi hinde mo pa nagagamit may utang ka na agad.hehehe
nice job you got there.turuan mo nga ako niyan
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posted by
darthjesus, 4 months ago
don't just swipe it anywhere and get a financial adviser.
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posted by
sorenkant, 4 months ago
What to do when you're already can't pay your bills, declaring bankruptcy in the Philippines --->
go home (in your own province) and plant kamote
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posted by
chinichinchin, 4 months ago
drowning in credit card debt here... tell me!!! what's the secret???
because of the interest and late payment fees, i also have a six-digit debt now. waaah!!
need help :(
-dying in debt
@sorenkant - hmmm...guess i should start researching on how to plant kamote.
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posted by
bugshing, 4 months ago
the secret is both a book turned into a movie.
here's the first 20 mins http://www.youtube.com/watch?v=_b1GKGWJbE8
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my advise to you, is to pay all your cards continuously every month. kahit na 200 lng o kng mgkano lng kaya mo. ha way, hindi magiging fraud ang kaso sau ;))
dont worry, kng more than 3 months kang delinquent, insurance na nagbabayad sa bills mo, at hahabolin ka nlng ng yoseres law firm. siguro sa isang credit card, hindi nmn umabot sa 100k ano? dnt worry, mas prefer nila yung mga 100k up... kasi, mas malaki partida.
marami na akong alam na delinquent sa creditcards, mga hindi na ngbabayad ;))
hanggang sulat lng nmn at tawag, yan ang advantage sa justice system ntin dito
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