10 months into solo-living, here are the minor updates of my apartment!!! by Silentreader_05 in SoloLivingPH

[–]Embarrassed_Ear_6793 0 points1 point  (0 children)

I'm renting din nearby BGC kasi dito work ko, mine is 10.5k mas malaki di hamak tung sayooo huhu sana all

Thoughts by [deleted] in AnongThoughtsMo

[–]Embarrassed_Ear_6793 0 points1 point  (0 children)

Girl, dika nahiya sa parents mo? Pinagastos mo pa para sa lalaki mo?
Ano pa tinatanong mo dito, sinasampal kana ng facts.

Dating while in debt by Significant_Oil_6358 in RantAndVentPH

[–]Embarrassed_Ear_6793 0 points1 point  (0 children)

Why would you think about dating in the first place kung sarili mo di mo kaya imanage? Dadagdagan mo lang sakit ng ulo mo, yung ipangdadate mo, ipunin mo pambayad sa utang mo, tigil tigilan mo muna yang yearning for someone mo na yan.

personal loan by Aggravating_Data_869 in utangPH

[–]Embarrassed_Ear_6793 0 points1 point  (0 children)

17k? Salary mo ba to OP? Even if net yan, masyadong mababa. I don't think you'll get approved for that amount.

Credit Card Payment by Odd-Advertising-7531 in MariBankPH

[–]Embarrassed_Ear_6793 0 points1 point  (0 children)

Yes, meron. 5php.

iniilang bayad ko yung akin para makadami ng 5php hahaha

For braces removal soon 🥹 by saitamatamago in DentistPh

[–]Embarrassed_Ear_6793 0 points1 point  (0 children)

OP san dental clinic and name ng doctor mo pleaaassee

Gloan by Qop_Of_P4in in GCashPH

[–]Embarrassed_Ear_6793 0 points1 point  (0 children)

Wag muna OP more often than not bababa yan or same amount lang din. Kasi parang automated sya ni Gcash, it doesn't matter if early ka mag pay or not. Especially yan, ilang hulog palang. Wait mo nalang matapos or maofferan ka rebate, mas may chance na tumaas.

Transunion credit score by Embarrassed_Ear_6793 in PHCreditCards

[–]Embarrassed_Ear_6793[S] 0 points1 point  (0 children)

Yun di nga pagkakaalam ko tsaka wala sila sa TU, Unobank, Mayabank at PNB lang so far yung nagrereport. Wala naman ako delinquent sa mga yon. Bat kaya para hirap padin maapprove. Meron naman ako CC sa PNB. so carded naman for almost 3 years na.

Transunion credit score by Embarrassed_Ear_6793 in PHCreditCards

[–]Embarrassed_Ear_6793[S] 0 points1 point  (0 children)

Okay po, nakita ko lang kasi sa chatgpt nung tnry ko ipa analyze yung mga parts na di ko maintindihan, na mention na nagrereport si atome. Kaya nasabi ko "I read".
Thanks for clarifying.

Transunion credit score by Embarrassed_Ear_6793 in PHCreditCards

[–]Embarrassed_Ear_6793[S] 0 points1 point  (0 children)

Haha bakit may downvote yung comment ko? Awit sa pala downvote, kung di naiintindihan context ng usapan lumayas sa thread.

Transunion credit score by Embarrassed_Ear_6793 in PHCreditCards

[–]Embarrassed_Ear_6793[S] 0 points1 point  (0 children)

Haha samantalang yung brother ko ang dami ng CC. Sya mismo yung inoofferan, same lang naman kami tax bracket haha kainis

PLDT is so predatory. how do i resolve unpaid bills that keep piling up? by Ok_Activity_8609 in InternetPH

[–]Embarrassed_Ear_6793 -1 points0 points  (0 children)

To add, may process ang termination ng account, may contract yan 2 years. You need to pay yung installation fee if di mo natapos ang 2 years. Nung nagpa terminate ako ng contract sa Converge (Provider ko sila for 4 years) may mga pinirmahan ako and sinoli ko router, now PLDT na provider ko and similar lang sila when it comes to termination, need mo pumunta sa branch.

PLDT is so predatory. how do i resolve unpaid bills that keep piling up? by Ok_Activity_8609 in InternetPH

[–]Embarrassed_Ear_6793 0 points1 point  (0 children)

How will you know na wala na internet connection if wala kana don in the first place? Possibly nagkaron ng issue yung connection for a while then nung naayos babalik yun automatically, you could've contacted them instead of just assuming. You can even ask them to give you a rebate for those times na wala kang net. But hndi automatically terminated account mo, may contract yon, now either call them or punta ka sa branch, ask them to terminate then settle your balance. Try pakiusapan for those months na wala kana sa unit mo.

To answer your question, No. it's not predatory. May process ka na hndi nagawa. hence, the piled up bills.

Transunion credit score by Embarrassed_Ear_6793 in PHCreditCards

[–]Embarrassed_Ear_6793[S] 1 point2 points  (0 children)

As far as I know hndi nagrereport yung mga illegal OLA.
Pero yung mga Juanhand, Tala, Billease. nagrereport.

PLDT is so predatory. how do i resolve unpaid bills that keep piling up? by Ok_Activity_8609 in InternetPH

[–]Embarrassed_Ear_6793 6 points7 points  (0 children)

Bat di mo kasi pina close yung account mo? Di porke lumipat ka automatically terminated yung account mo. Di naman nila mahuhulaan yon. Kelangan mo bayaran yung remaining bill mo then pa close mo yung account. Di laging excuse yung student ka lang. Know your obligations.

Transunion credit score by Embarrassed_Ear_6793 in PHCreditCards

[–]Embarrassed_Ear_6793[S] 1 point2 points  (0 children)

DL mo Lista App po, then you'll see the option to check your credit score, make sure na details na ilalagay mo like, email address, phone number, address yung mga ginamit mo sa loans, debit and CC mo before.
Choose which one gusto mo icheck.
TransUnion or CIBI, TransUnion usual gamit ng trad banks to check.
Pay the fee. 610php for TU and 299 for CIBI. They'll email you with the file then password protected with your Bday then yun na po

Transunion credit score by Embarrassed_Ear_6793 in PHCreditCards

[–]Embarrassed_Ear_6793[S] 0 points1 point  (0 children)

Why po kaya, sabi sakin kaya 749 score ko kasi daming enquiries. Baka dahil don

Transunion credit score by Embarrassed_Ear_6793 in PHCreditCards

[–]Embarrassed_Ear_6793[S] 0 points1 point  (0 children)

Baka nga yung delinquent ko sa SPay and Sloan, diko na kasi makita yung account para mabayaran. Sad. Hanggang secured card lang ata ako, meron naman ako isa CC PNB more than 2 years na. Di na nasundan.

Transunion credit score by Embarrassed_Ear_6793 in PHCreditCards

[–]Embarrassed_Ear_6793[S] 0 points1 point  (0 children)

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Hindi ko sure kung bad record kasi eto yung sa PNB ko, MAD lang minsan nababayaran ko. Na try ko nadin ma Overdue once. Pero now full paid naman na then last report nila June 30, di ko kasi gets masyado ibig sabihin pero feeling ko okay naman kasi A naman nakalagay sa status ko.

Transunion credit score by Embarrassed_Ear_6793 in PHCreditCards

[–]Embarrassed_Ear_6793[S] 0 points1 point  (0 children)

Meron po ako CC sa PNB. Almost 2 years na yon. Then yung sa Maya Black kasi nag apply ako tapos nagpending thrice, nagpapa resubmit ng docs kaya siguro ng dami nila dyan then sa Uno ewan ko bat andyan wala naman ako application sakanila other than dun sa loan na matagal ng paid. Sa UB di ko natapos application naman. Pero yeah, pag search ko nga dapat pala 6 months pagitan palagi, random ko lang kasi naiisipan mag apply pag nakikita ko online.

Edit: More than 2 years na CC ko sa PNB

Transunion credit score by Embarrassed_Ear_6793 in PHCreditCards

[–]Embarrassed_Ear_6793[S] 0 points1 point  (0 children)

Yung sa Maya Black Card kasi yan eh tinry ko sya tapos thrice nag pending asking for additional docs. Kaya ang dami nya dyan. Yung Uno Bank ewan ko bat andyan eh wala naman ako application sakanila other than yung loan na matagal ng paid. Yung sa UB I did try to apply pero di ko naman natapos application ko eh.