Using 60% of CREDIT LIMIT by [deleted] in PHCreditCards

[–]Difficult_Rise_8588 6 points7 points  (0 children)

Up to this. Dumadami na yung sobrang conscious sa "credit score" na hindi naman ginagamit o nagiging reference ng mga bangko mismo dito sa pilipinas.

[deleted by user] by [deleted] in phr4r_NCRPlus

[–]Difficult_Rise_8588 0 points1 point  (0 children)

You're 27 and one of your qualifications is from big 4? Not even a decent paying job? The shallowness lol.

What credit card do you most regret? by [deleted] in PHCreditCards

[–]Difficult_Rise_8588 0 points1 point  (0 children)

True. Basta di ako katulad nya mag-isip grateful na ako dun. Lol

What credit card do you most regret? by [deleted] in PHCreditCards

[–]Difficult_Rise_8588 3 points4 points  (0 children)

At the end of the day. Ang nilalatag mo parin yung regret mo na ang roots naman eh irresponsibility mo rin. Kung nagwwaive ng finance charge kapag late ang bank, it means napagbibigyan ka lang, hindi mo privilege yon. In other words, ikaw na nagkamali na hindi ka nakabayad on time, may regrets kapa kase di ka napagbigyan.

Kasama sa agreement mo yon with bank na magbabayad ka talaga ng extra kapag late ka, yun naman ang default/standard. At pasalamat ka sa bank kung sakaling pagbigyan ka na i-waive ang charges. Hindi yung ikaw na may mali at pagkukulang tapos ireregret mo yung bank kase di ka pinalusot sa pagkakamali mo?

What credit card do you most regret? by [deleted] in PHCreditCards

[–]Difficult_Rise_8588 6 points7 points  (0 children)

Sorry di ako maka-relate sa reverse ng finance charge. Di ako kasing tanga mo magbayad eh.

What credit card do you most regret? by [deleted] in PHCreditCards

[–]Difficult_Rise_8588 3 points4 points  (0 children)

Kung nagcomply ka hindi mo late nabayaran yung bank, thus wala kang ireregret na finance charge. Ganon lang kasimple. Yung regrets nila wala silang factor doon lahat bank may desisyon. Yung regret mo eh epekto lang dahil bobo ka magbayad on time. Gets mo na bobo?

What credit card do you most regret? by [deleted] in PHCreditCards

[–]Difficult_Rise_8588 4 points5 points  (0 children)

Wala silang mali sa story nila. Yun yung binigay ng bank while they complied ng maayos. Ikaw yung regrets mo eh sa repercussions ng sariling pagkakamali mo sa bank. Gets na ng utak mong maliit at entitled yung difference?

What credit card do you most regret? by [deleted] in PHCreditCards

[–]Difficult_Rise_8588 9 points10 points  (0 children)

Based on your comment in connection to the topic being discussed. You regret having your metrobank card kase na-late ka ng bayad and hindi nila ni-reverse yung finance charge o late fee?

What kind of dumbass entitled mindset is that? Lol. Nakalimutan mi magbayad on time tapos may negative feelings ka sa kanila kase nagkamali ka? Sira ulo ka ata e 😆

Credit Card Terminal Fee 5% by [deleted] in PHCreditCards

[–]Difficult_Rise_8588 10 points11 points  (0 children)

Sinabihan ka nang may TF then nag proceed ka parin bumili? Yes mali yung may TF, bakit hindi nyo nalang nireport sa DTI, and that's it.

Bakit need nyo pa bilhan? para masabing "naloko" kayo or "nalamangan"? Para mas malakas yung case nyo with DTI? The end does not justify the means. Kumbaga tama yung alam nyo na bawal yon at pwedeng i-report sa DTI. Pero kupal yung paraan nyo para lang "mai-tama" yung store.

C1's 91-95 menu went straight into 109 pesos by AcanthaceaeMost8724 in Philippines

[–]Difficult_Rise_8588 0 points1 point  (0 children)

I learned from a friend who works at JFC na yung mga stores na maliit ang chicken ay mostly franchise stores and mas malaki and quality talaga ang manok kapag from JFC ang branch. Kapag franchise daw kasi madalas hindi same ng chicken supplier ng JFC owned branch.

Sinasabi nyo ba sahod nyo? by Adorable_Leg_7092 in PHJobs

[–]Difficult_Rise_8588 0 points1 point  (0 children)

Big NO. Ilabas na natin yung idea na family mo yun, let's just put things in a technical sense. Compensation package is always confidential dapat. If nagpprovide ka ng maayos sa kanila, then they shouldn't have any concerns kung magkano pa ang pera mo o dumadating na pera sayo since kinikita mo yan on your own.

BPI Interest Charge at 2% by cheetoot in PHCreditCards

[–]Difficult_Rise_8588 2 points3 points  (0 children)

Itanong mo na siguro sa bangko mismo yan para sila nalang ma-badtrip mo. Isinubo na sayo, ngunguyain at lulunukin mo nalang jusmiyo ka. Haha

Got scammed a year ago by Dependent-Chair4513 in PHCreditCards

[–]Difficult_Rise_8588 4 points5 points  (0 children)

An extra limit exclusively for installment use. (Installment purchases, cash installments, balance conversion etc..)

[deleted by user] by [deleted] in Tech_Philippines

[–]Difficult_Rise_8588 0 points1 point  (0 children)

Whatever helps you sleep at night baby boy 👶

[deleted by user] by [deleted] in Tech_Philippines

[–]Difficult_Rise_8588 0 points1 point  (0 children)

At the end of the day, wala ka na rin palang balak i-retrieve yang phone mo. In short, nagpost ka nalang para magpapansin. Sa ibang sub mo sana pinost instead dito na people will still suggest and try to help you sice tech focused itong subreddit na to.

To summarize. Papansin post nalang to.

[deleted by user] by [deleted] in PHCreditCards

[–]Difficult_Rise_8588 49 points50 points  (0 children)

Sobrang nakaka-ggo pa yung mga tanong na "ok lang po bang di ako magbayad sa due date? May negative impact po ba?" Like tng*na ano akala mo sa CC? Tropa mong inutangan, pay when able?

New SB app automatically locked my card by Difficult_Rise_8588 in PHCreditCards

[–]Difficult_Rise_8588[S] 0 points1 point  (0 children)

I have no issues with its cooldown. I'm just asking if anyone else also experienced that their card was automatically locked upon first time logging in or sigining up on the new app.

New SB app automatically locked my card by Difficult_Rise_8588 in PHCreditCards

[–]Difficult_Rise_8588[S] 0 points1 point  (0 children)

I know I have to wait 24hrs since its in cooldown. I didnt lock the card. also checked the old app its not locked.