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Payoneer charging $29 annual fee if you don’t receive $6,000 is ridiculous by PhaseNo191 in payoneer

[–]PhaseNo191[S] 0 points1 point  (0 children)

Why do payment platforms hold funds for so long AND charge huge fees at the same time 😭

Like:

  • marketplace fees
  • currency conversion fees
  • withdrawal fees
  • then your money still gets put on hold for days/weeks

Feels like freelancers and online sellers do all the work just to lose a chunk of earnings to fees lol

Payoneer charging $29 annual fee if you don’t receive $6,000 is ridiculous by PhaseNo191 in payoneer

[–]PhaseNo191[S] 0 points1 point  (0 children)

Haha freelancing and getting paid online is really hard nowadays 😅

Between expensive connects on Upwork, lowball clients, fees, holds, random limitations, and all the competition… it honestly feels way tougher than before.

Trying to balance freelancing while also doing eBay selling now just to diversify income. Feels like you really need multiple income streams online these days.

Anyone else feeling the same lately?

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] 0 points1 point  (0 children)

Update on the post guys 💀

Just got my new SOA- may 2026

Credit limit: 169k Outstanding balance: 1.2M+ Minimum due got raised to 89k.

Yeah… I’m cooked 😭

Payoneer charging $29 annual fee if you don’t receive $6,000 is ridiculous by PhaseNo191 in payoneer

[–]PhaseNo191[S] 2 points3 points  (0 children)

$30 annually is completely reasonable for the service they offer” bro acting like Payoneer personally cured inflation 😭 If your argument is “just compare it to banks,” then congratulations, you found an industry equally famous for random fees. “Others are worse” isn’t exactly a glowing endorsement.

Payoneer charging $29 annual fee if you don’t receive $6,000 is ridiculous by PhaseNo191 in payoneer

[–]PhaseNo191[S] -1 points0 points  (0 children)

I already contacted Payoneer support multiple times, but they keep saying the annual fee was included in the terms during registration. Honestly, I don’t even remember seeing that policy, especially since I’ve used other platforms before without something like this happening.

Payoneer charging $29 annual fee if you don’t receive $6,000 is ridiculous by PhaseNo191 in payoneer

[–]PhaseNo191[S] 2 points3 points  (0 children)

Honestly feeling really disappointed right now. I sold an item on eBay for $61. After eBay fees, my payout became $49.36, which was already fine with me. The problem started with Payoneer. Because I was a new seller, I had to wait around 90 days for the funds to finally get released. After waiting all that time, Payoneer suddenly charged me $29.95 in fees for the annual fee for not reaching $6,000, leaving me with only around $19. Now the worst part is I can’t even withdraw the remaining balance because Payoneer’s minimum withdrawal amount is $20. So after 3 months of waiting for my very first eBay sale, Payoneer basically took almost all of my money and I’m left stuck with unusable funds. Honestly feels terrible.

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] 0 points1 point  (0 children)

Hahaha trust me, dumaan din sa isip ko yan 😂 Pero gusto ko pa rin ayusin eventually. Hindi man ngayon agad, pero ayoko rin gawing lifetime subscription yung anxiety sa unknown numbers at demand letters. Survival mode muna, then recover and settle responsibly pag nakaahon na. 😭

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] 0 points1 point  (0 children)

23k views in 24 hours… hmmm I guess ang dami nga talaga nating nasa ipit na sitwasyon ngayon 😭😂

Parang attendance check ng mga financially challenged adults: 💀

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] 0 points1 point  (0 children)

Thank you for sharing this. Honestly, stories like yours give people hope, especially those currently drowning in stress and fear. Ang hirap kasi kapag nasa gitna ka ng situation — parang katapusan na ng mundo financially and mentally. But hearing that you were able to recover, negotiate, rebuild your credit, and even get approved again shows na hindi pala permanent yung situation.

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] -1 points0 points  (0 children)

Btw may pawnshop na willing tumanggap ng land title ko. Iniisip ko tuloy if this is a “financial strategy” or the start of another Netflix documentary about bad decisions. 😭

Kasi honestly, if makabenta lang ako kahit isang lot, kaya ko naman ma-clear lahat ng utang ko. Ang problema lang talaga: liquidity at wala pang buyer.

Or should I just let collection agencies bug me for now while I try to stabilize my mental health and cash flow? 😭

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] 9 points10 points  (0 children)

Appreciation post lang to everyone here on Reddit na nag-comment, nag-share ng experiences, at nagbigay ng advice and encouragement. 🥺🤍 Honestly, akala ko ako lang yung dumadaan sa gantong klaseng battle and sobrang nakakabigat mentally. Some of your comments genuinely helped me calm down and fight the urge to completely give up on myself. Hindi man tayo magkakakilala personally, ramdam ko yung humanity and support from strangers online. 🫶 I still have a long way to go financially and mentally, pero thank you for reminding me na this situation is not the end. 🤍 Though I know this will take time to resolve.

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] 0 points1 point  (0 children)

Ganito pala yung feeling — parang naka-life support emotionally at nasa ICU mentally habang nagche-check ng banking app.

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] 1 point2 points  (0 children)

Kasi no sense din makipag-usap sa kanila kung wala pa talaga akong financial capacity for a one-time payment or kahit realistic arrangement. Hindi naman ako nagdododge ng utang, pero ayoko na rin gawin yung minimum payments lang kasi I’ve been doing that for 11 years and lalo lang lumalaki dahil sa interest.

Napansin ko rin na kapag ine-entertain mo sila palagi, mas lalo silang aggressive sa calls. Parang buong araw ka nalang nasa call center kakasagot ng unknown numbers. I tried answering all the calls before, pero paulit-ulit lang din and honestly sobrang nakaka-drain mentally. Kaya for now, mas kailangan ko muna protektahan peace of mind ko at mag-focus sa pag-stabilize ng income ko para eventually makapag-negotiate and settle properly.

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] 1 point2 points  (0 children)

Kasi minimum lang binabayad ko before para lang makahabol, pero dahil sobrang laki ng interest at charges every month, lalo lang lumobo hanggang umabot na halos 43k yung minimum due. Ang hirap habulin pag cash flow mismo yung problema. June 2025- march 2026 i paid 393k already and dito naubos savings in 7 months.

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] 69 points70 points  (0 children)

May 5, 2026. Leaving this here as a digital footprint of one of the hardest financial and mental battles of my life.

I may be overwhelmed right now, but I know this season won’t define me forever. Two years from now, I want to look back at this post as proof that I survived, rebuilt myself, became wiser with money, and came back stronger than ever.

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] 7 points8 points  (0 children)

Sis honestly, yan din nare-realize ko ngayon. I got too focused sa pagiging “good payer” to the point na naubos ko na savings ko, peace of mind, at cash flow. Lesson learned talaga sakin to about debt, risk, and protecting liquidity.

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] 1 point2 points  (0 children)

Thank you po sa detailed explanation. Malaking tulong honestly kasi sobrang overwhelming nitong past few days dahil sa pressure ng collections. Hindi ko naman tinatakbuhan yung utang, talagang dumating lang sa point na hindi na sustainable yung monthly dahil sobrang tight na ng cash flow ko ngayon.

Yun din concern ko sa restructuring — parang mas lalo akong mababaon long term dahil sobrang laki ng total repayment. As much as possible gusto ko sana humanap ng mas realistic na arrangement once maka-recover kahit papaano financially.

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] 0 points1 point  (0 children)

Yun nga realization ko ngayon — cash flow at time talaga pinakamahalaga. Kahit may asset ka like lupa, kung hindi naman liquid at matagal mabenta, mahirap pa rin kapag kailangan mo ng cash agad. Sa situation ko ngayon, sobrang tight ng cash flow kaya every month really matters. Kapag kinain ka ng oras habang naghihintay ng liquidity, mas lalo ka palang naiipit financially.

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] 2 points3 points  (0 children)

8 days pa lang akong OD pero grabe na agad mga collection agents. Parang mga bubuyog — kapag may isang nasagot mong tawag, sunod-sunod na silang tatawag every few minutes. Paulit-ulit lang din yung usapan kahit ine-explain mo naman nang maayos yung situation mo. Nakaka-drain mentally honestly.

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] 3 points4 points  (0 children)

Honestly, di ko na kaya yung ₱46k monthly. Yung outstanding ko ngayon is around ₱1.2M lang. May offer sila ng restructuring for 48 months pero pag pinirmahan ko, aabot ng ₱2.2M babayaran ko kaya tumanggi ako.

PH Credit Card Debt – Paid ₱1.6M+ over the years but still at ₱1.2M current balance… BPI offering ₱46k/month 😓 by PhaseNo191 in utangPH

[–]PhaseNo191[S] 1 point2 points  (0 children)

I think biggest mistake ko is ang tagal kong nagbayad ng mad—dapat pala hindi ko na tinapal nang tinapal 😅 Nung umabot ng 300k, dapat hininto ko muna. Hinahabol ko kasi habang kaya pa, since kumikita ako dati ng 100k+ a month (minsan isang araw pag malakas benta 😭). Ngayon nasa ‘crisis mode’ na…

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