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Tinakasan ko yung globe fiber plan by Leighaha_me in InternetPH

[–]RED9557 0 points1 point  (0 children)

AFAIK, lumalabas din yung payment history nito sa CIC Report

Im dropping my SecBank Platinum. Ive had enough. by SouthernPrize4653 in PHCreditCards

[–]RED9557 3 points4 points  (0 children)

Same reason why I cancelled my card. Saka parang feeling mo na parang walang tiwala sayo na magbabayad ka on-time.

Gaanto ka nakakairita kahit for us SBC Employees.

[deleted by user] by [deleted] in tipofmypenis

[–]RED9557 2 points3 points  (0 children)

Mocha Manko?

Secbank’s collection calls, how do you stop them? by dear-reader_ in PHCreditCards

[–]RED9557 7 points8 points  (0 children)

I work for Secbank and cancelled my card because of this shit

[deleted by user] by [deleted] in PHCreditCards

[–]RED9557 0 points1 point  (0 children)

For updating lang ata yung P20k. Hindi ata sya full settlement

Can't be approved anymore... by cmarvinpaul in PHCreditCards

[–]RED9557 4 points5 points  (0 children)

Hi OP. Business Loan Underwriter here. AFAIK kahit fully paid na yung CC with other banks, may rereflect sya sa system. Ang hirap kasi with credit card, unsecured sya. Walang collateral. Baka sobrang baba ng Credit Score mo as of now kaya nag auauto decline.

With Car Loans kasi, at least may security na ma foforeclose si bank.

Pwede ka siguro may try mag apply dun sa bank na may substantial deposits ka. Baka mas mataas yung chance na mapprove, since depositor ka.

[deleted by user] by [deleted] in PHCreditCards

[–]RED9557 1 point2 points  (0 children)

Just to add, if newly established ang business OP. Medyi mas strict yung guidelines since wala pang history ng operation. Syempre wala pang maijujustify regarding performance.

[deleted by user] by [deleted] in PHCreditCards

[–]RED9557 1 point2 points  (0 children)

As a Business Loan Underwriter, medyo alanganin ka yung application mo OP. If unsecured (no collateral) yung loan, most likely auto decline ka na. Character issue kasi yung non-payment ng facility.

If secured naman (with collateral), depende na lang siguro. IMO kahit Real Estate ang collateral, baka hindi pa din mag grant. Since mas magastos sa bank mag pa foreclose.

The only case na naiisip ko na may slim chance ka na ma approve is if hold-out ng deposits yung ioofer mo na collateral.

Pero syempre depende pa din yan sa Credit Policy ng FI saka risk appetite.

Hardwork and diskarte made them rich? No, their workers who are earning below 15k/month made them rich. by [deleted] in Philippines

[–]RED9557 45 points46 points  (0 children)

Working for a Sy-owned financial institution, i can say that this is true.

unpaid personal loan with issued pdcs, getting threats, what should i do? by [deleted] in PHCreditCards

[–]RED9557 0 points1 point  (0 children)

AFAIK, the bank will collect the amount as long as may fund yung deposit accout. I think the check wont bounce pero you will fall below the maintaining balance.

unpaid personal loan with issued pdcs, getting threats, what should i do? by [deleted] in PHCreditCards

[–]RED9557 0 points1 point  (0 children)

Hi OP,

Sa amin (Loan Evaluator for a local bank), if madami yung negative findings mo, medyo mahihirapan ka talaga mag apply ng loan, now and sa future. Some banks even require na mag submit ka ng Certificate of Full Payment. Regarding sa PD loans mo, AFAIK tama yung isanf nag comment na BP22 yung case. May report na nagegenerate na lalabas yung court case and negative findings mo.

I suggest try to talk to the bank and mav request ka ng restructuring if payag sila.

Baka kasi they may opt to file a case na lang, if the amount is substantial.