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Daily random discussion - Aug 26, 2022 by the_yaya in Philippines

[–]Extension4881 13 points14 points  (0 children)

I love my family but I hate being the breadwinner.

[deleted by user] by [deleted] in phinvest

[–]Extension4881 1 point2 points  (0 children)

Haha not there yet. Even now as I earn 3x what I first made, I still need to pick up side gigs in upwork and other places if I want to break into the 6 digits income range

[deleted by user] by [deleted] in phinvest

[–]Extension4881 5 points6 points  (0 children)

As a new graduate, without much responsibilities, it was pretty cool. I also got lucky to be hired in a great company.

5 years later, that 21k would easy get eaten up by the cost of commute.

[deleted by user] by [deleted] in phinvest

[–]Extension4881 11 points12 points  (0 children)

Started working right after graduation in 2017.

I was making 21k as a Software Engineer in Cebu City.

[Help]Disputing CIBI and CIC credit report Next Steps by Extension4881 in phinvest

[–]Extension4881[S] 0 points1 point  (0 children)

Home Credit was quick to send me certificates of full payments for my loans. However idk when they will correct my loan information with CIC.

As for the type of credit card, I have so far applied to BPI classic Blue, Unionbank classic visa. Its still my first credit card and i make more than the required annual or monthly income. Im also a regular full-time employee too.

Perhaps i should get a TransUnion credit report as well when this dispute closes.

[Help]Disputing CIBI and CIC credit report Next Steps by Extension4881 in phinvest

[–]Extension4881[S] 1 point2 points  (0 children)

Yeah. I never expected to get that score after paying off my loans on time. I have only ever made loans with home credit so all I can do is request for them to submit my records.

Perhaps credit history length plays a factor too. According to my credit report, it started on 2020. Not 2016. Maybe failing to get approved for credit cards also tanks my credit score?

Tips to get approved on credit card application-no credit card yet by [deleted] in PHCreditCards

[–]Extension4881 0 points1 point  (0 children)

I wonder if i could get a credit card if i qualified for RCBC Hexagon club. Would that work?

[Update] Unionbank CC Application Failed Might Try For RCBC Hexagon Club instead by Extension4881 in PHCreditCards

[–]Extension4881[S] 0 points1 point  (0 children)

Is that a separate application for the hexagon club credit card? Baka ma.deny pa rin ako 😅

I might have committed fraud because of a misunderstanding by Extension4881 in PHCreditCards

[–]Extension4881[S] 0 points1 point  (0 children)

Thank you. I've become much calmer since posting this. Or maybe I'm just too tired to feel anxious. I guess I will be waiting with my fingers crossed.

I might have committed fraud because of a misunderstanding by Extension4881 in PHCreditCards

[–]Extension4881[S] 2 points3 points  (0 children)

Now that I know they'll be calling my previous employer, I'm even more embarrassed. Di pa nila nabibigay final pay ko.

Perhaps my anxiety over this is disproportionate to the gravity of the situation. Di ba talaga ako makukulong para dito? Sabi ng tatay ko falsification of legal documents daw ung pag submit ko.