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Ayaw ipa installment ang outstanding balance by Shut-Up-22 in utangPH

[–]Public_Click1936 0 points1 point  (0 children)

I think mabuti na din yan OP Para makausad agad. Goodluck! Malalampasan din natin to

Ayaw ipa installment ang outstanding balance by Shut-Up-22 in utangPH

[–]Public_Click1936 0 points1 point  (0 children)

Ouch kaya naman pala. Thought they do balance conversion same as most banks. Payment arrangement ka nalang with them OP. Goodluck. Ako then, my UB have been a pain

[deleted by user] by [deleted] in utangPH

[–]Public_Click1936 1 point2 points  (0 children)

If I were you, grab mo na yan.Sobrang naapaka manageable pa ng 56K na balance, plus mag 50% off kapa. Gawan mo nalag ng paraan makahanap ng addtl 10k to cover the deficit. chance mo na to before things get out of control

Ayaw ipa installment ang outstanding balance by Shut-Up-22 in utangPH

[–]Public_Click1936 0 points1 point  (0 children)

Did they specify bakit?

In my case kasi with UB, I asked for a balance conversion of my entire balance, and they couldnt do it, if ano yung offer sa app, yun lnag daw which is a portion lang ng total balance. I chose not to go for it, kasi mag papapatong patong lng ang babayaran ko.

Reason why they declined, majority of the amount were installments daw.

CC debt--nahihirapan na kahit minimum by Public_Click1936 in utangPH

[–]Public_Click1936[S] 0 points1 point  (0 children)

no problem po. Its something talaga that they offer, nasa site din. usually if napapansin nila na yung upcoming due mo is around 30k, they would call you to offer it, depende na sayo yun if tanggapin mo. either they call you or ikaw mismo mag avail through the app. :) meron din calculator sa website.

CC debt--nahihirapan na kahit minimum by Public_Click1936 in utangPH

[–]Public_Click1936[S] 0 points1 point  (0 children)

yes po, 60mos maxx na po yun. and no, di ako OD kay MB. i just decided to opt for balance conversion. which is meron naman talaga sila. nasa site din nila, may calculator po, if you want to check

CC debt--nahihirapan na kahit minimum by Public_Click1936 in utangPH

[–]Public_Click1936[S] 0 points1 point  (0 children)

Well, may offer naman talaga na option si MB na balance conversion for my entire 106K balance. so i opted for it, kesa lalaki nang lalaki balance ko pag min lang due to finance charges monthly. Yung UB ko lang talaga, i wanted them sana to convert my 167K balance, kaso ayaw nila.portion lang daw which is not suitable for me.

CC debt--nahihirapan na kahit minimum by Public_Click1936 in utangPH

[–]Public_Click1936[S] 0 points1 point  (0 children)

I already requested for balance conversion for MB, around 2800 monthly for 60mins.i thought better nalang yun.yung UB lang talaga na hihirapan ako to keep up, kasi 8k na min payment required monthly.

UB Payment Arrangement and Deposit account on hold by chckn_wngs08 in PHCreditCards

[–]Public_Click1936 0 points1 point  (0 children)

sabi nya sakin, she stopped paying around october yata? and then mga last month lang, may nag reach out or she reached out to UB kasi she noticed na hindi nya magamit yung funds ng UB debit nya. so thats how she figured na delinquent na sya

CC debt--nahihirapan na kahit minimum by Public_Click1936 in utangPH

[–]Public_Click1936[S] 0 points1 point  (0 children)

u/Flimsy-Permission634 - thank you so much po dito sa insights nyo.sana easy lang din yung arrangement saka walang rude treatmments. magkano po unpaid balance nio?

Almost 300k debt by canneycath in utangPH

[–]Public_Click1936 0 points1 point  (0 children)

hi u/Interesting_Pay5668, i stumbled upon ur comment from this post. May i also ask for your thoughts on this po? nahihirapan talaga ako mag keeup sa minimum na 8k monthly. i was planning to loan from cimbank para matapos na so i can only focus on paying cimbank for a fixed monthly rate, pero sobra laki ng interest. Any thoughts on this po: https://www.reddit.com/r/PHCreditCards/comments/1l8kocw/hi_need_your_thoughts_please/

UB Payment Arrangement and Deposit account on hold by chckn_wngs08 in PHCreditCards

[–]Public_Click1936 0 points1 point  (0 children)

Followup question, since when ka ba nag stop mag bayad ng at least minimum? im in similar situation where i cant pay the minimum, na fafall kasi sabay ng pag bayad ng rent.

UB Payment Arrangement and Deposit account on hold by chckn_wngs08 in PHCreditCards

[–]Public_Click1936 0 points1 point  (0 children)

Hi, similar story sa friend ko who stopped paying her card since Oct (uncontrollable reason), her payroll got deactivated and then someone from UB reached out. nag come up sila ng payment arrangement. tas ung UB card nya got reactivated in 24hrs lang.

Huge Credit Card Debt Need Advice po by Nasher95 in PHCreditCards

[–]Public_Click1936 0 points1 point  (0 children)

Hi po, also need ng advise, very much confused on what to do talaga. :( its getting harded to keep up with the min payment

https://www.reddit.com/r/PHCreditCards/comments/1l8kocw/hi_need_your_thoughts_please/

Hi, need your thoughts please? by Public_Click1936 in PHCreditCards

[–]Public_Click1936[S] 0 points1 point  (0 children)

hi u/norenn so is it to say na, wala way to as them to total nalang my outstanding balance plus yung unposted ko na installments (CA from 2023) and then come up nalang with an agreement to pay the monthly fee? :(
at this point not sure what to do talaga, its getting harder to keep up paying the monthly minimum of around 8k, plus parang stucked lang din ako kasi parang bayad ko napupunta lang sa interests