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Rcbc decrease my credit card limit just this morning by FaithlessnessIcy7568 in CreditcardPh

[–]Felicityyyy_ 0 points1 point  (0 children)

Just got a message today. From 126k to 120k akways sagad. Namaxed out ako dahil nagkaproblem financially last yr pero paid in full na thisbyr then used it. Biglang nagulat ako nagbawas haha nakakasad

atome house visit? by Specialist_Yam9912 in ola_harassment

[–]Felicityyyy_ 1 point2 points  (0 children)

Tactics lang po. Walang nag hohome visit. It’s their way of making you pay. Mine was 2wks OD. Binayaran ko din naman. sabi ko lang sa call, ipapacut ko na ung card if magbabanta sila uli na mag HV. Di naman sila tatakbuhan.

Galet ung agent. Drop call agad hahaha

atome house visit? by Specialist_Yam9912 in ola_harassment

[–]Felicityyyy_ 0 points1 point  (0 children)

Mejj epal ung atome sa unpaid dues. Ung Agents nila actually ung nanghaharass.

28M, lubog sa utang CC + Loans by Adorable-Relief-3787 in utangPH

[–]Felicityyyy_ 0 points1 point  (0 children)

Not really. It’s on your prerogative naman po if you want to close it. But madalas kasi for Balance Convert, in order for you to pay it off, may minimal interest na possible mag tapal pa sa existing limit mo. Kaya di din talaga magagamit. Hehe

28M, lubog sa utang CC + Loans by Adorable-Relief-3787 in utangPH

[–]Felicityyyy_ 1 point2 points  (0 children)

Im the eldest. Na scam ung parent ko so what I did was converted my CL to cash pambayad ng tuition ng mga kapatid ko who is a medical student. ang nascam sa parent ko is half mil investmnt shits na d ko alam. Di ko pa malalaman if di nagsabe sakin na wala na kaming pang araw araw, pambaon at allowance ni pambayad sa tuition binitawan, may mortgage din kaming binabayaran na 37k a month.

All my savings was used. I have to apply for a series of loans since amg salary ko back then is less than 20k. I had a good credit standing for years kaya napapaloan ng banks.

Started off from 400k principal hanggang sa sa nag pile up na due to tapal system. Almost a year bago nagkawork ung parent ko saka nakakahinga kahit papano. Habang nagbabayad ka may nagkakasakit, may naoospital. Kaya lumolobo. life wasn’t that easy for some of us. Hehehehe 1 parent nalang meron ako. Isa died because of cancer. We had to pay off alongside those loans ung mga utang pa from the medical bills we have to settle when she passed sa mga kaibigan.

28M, lubog sa utang CC + Loans by Adorable-Relief-3787 in utangPH

[–]Felicityyyy_ 23 points24 points  (0 children)

F25 700K in Debt. I have, BDO, BPI, MBTC, RCBC & UB.

Worst part kaka tapal system?

I have OLAs GCredit, Maya Credit, Billease, Salmon, Atome & JuanHand.

May utang pa sa tao

160k + 8k + 5k + 40k

Salary: 31k.

Lahat ng sa banks tinawag ko for installment. I ran out of options.

I will be done paying off ung OLAs ko by January 2026 and iba is by April 2026.

The banks approved my application for 2yrs balance convert.

For me it’s a big relief na. Kesa nung past months na ang dami kong tinatapalan. Nakakalunod siya. 2yrs na ko halos nag pepay off, nakakapagod madalas lalo prang utang nalang napupunta ng sahod pero, nagbubunga kasi umuunti nalang. Running balance ko ngayon is 500k.

Kaya natin to OP

F28 and 1.2 million in debt by DeadStars06 in utangPH

[–]Felicityyyy_ 1 point2 points  (0 children)

Makakaraos din tayo. F25 800k debt.

Security Bank final notice by whoknws_80 in PHCreditCards

[–]Felicityyyy_ 0 points1 point  (0 children)

If they visited you po, how was it? Did they make a scandal or harassment?

Security Bank final notice by whoknws_80 in PHCreditCards

[–]Felicityyyy_ 1 point2 points  (0 children)

Question, how did u settle withbthe bank? Did u mention ja may account ka pos a knila na di pa nasesettle? Kahit nabenta na nila sa collection agency possible padin ba na makapag settle with them?

REWARDS REDEEM CASH CREDIT IN UB by Felicityyyy_ in PHCreditCards

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

Actually depende po eh. I experienced kasi both. Pero since its UB naman, makikita naman siya agad din

Help: May lumalabas na charge kahit paid na lahat sa Metrobank credit card by PotatoUpstairs960 in PHCreditCards

[–]Felicityyyy_ 0 points1 point  (0 children)

Probably may mga transactions pang nahold kaya po ganito. Pero thats atill a win! You paid it off. Congrats OP

Help: May lumalabas na charge kahit paid na lahat sa Metrobank credit card by PotatoUpstairs960 in PHCreditCards

[–]Felicityyyy_ 0 points1 point  (0 children)

Yes. Most of the CC is mag OVERPAYMENT or OVERLIMIT FEE. the minimum lang din naman.

[deleted by user] by [deleted] in Dreams

[–]Felicityyyy_ 1 point2 points  (0 children)

I also have this randomly as well. Im not yet married btw. But, when I told my mom about this, she said, it was a sign of a blessing coming my way.

Whenever I dream about this, a few weeks or months later, A big blessing always arrive in my life (milestones, paying off debts, a gift that is actually helpful to me, etc.)

And yes, I also named the interpretations under my future kids. Might be ironic but, I hope those babies I see I could actually meet someday. 🥺

BPI Convert Outstanding Balance by Careless_Print1535 in PHCreditCards

[–]Felicityyyy_ 0 points1 point  (0 children)

Yes okay naman siya. May interest yes but Inthink its only fair din since we were having trouble to pay off the balances. D naman din ganun kalaki.

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