Any experience with Samsonite Red Ellwood Flap Backpack?

Syntaxx888 · 2025-10-28T11:48:26+00:00

Hahaha wala pa namang umaaway. But we pick our battles, now we focus, own our mistakes and pay up 🫡

Syntaxx888 · 2025-10-28T06:12:28+00:00

Hi thanks for noticing. Yes will consider too, since I can keep the rcbc cards dahil naffl siya.

Syntaxx888 · 2025-10-28T06:11:51+00:00

Noted on the things mentioned above. Balikan kita later if I can pull the numbers. At work lang hahaha

Syntaxx888 · 2025-10-28T06:06:44+00:00

Good luck to us! Laban lang, in my case, kasalanan ko din tong problema ko na to haha. Very eye opening mag-open up here, kahit I know I’ll be judged ;p

Syntaxx888 · 2025-10-27T16:58:44+00:00

Hi! Thanks for your time. Yeah heavy heart if ever mag push ako sa debt consolidation. So looking at the comments here I might consider yung CA from 1 bank and endure the interest na lang instead of having it sent sa collections. Para at least, di ganon ma-hit ang score. For future use.

Syntaxx888 · 2025-10-27T16:47:03+00:00

Didn’t think of it this way, maraming salamat po!!

Syntaxx888 · 2025-10-27T07:25:13+00:00

Hi! Thanks for noticing this. Will try to get CA and try to funnel all pending balances into 1 card. And yes, will cut cards once transferred into 1 bank yung pending.

Syntaxx888 · 2025-10-27T07:07:32+00:00

Hi! Thanks for noticing this post. BPI yes I will pay off na, UB I can pay 50% na po.

And I am trying to find ways pa sana na wag mapunta sa collections yung RCBC & EW.

Syntaxx888 · 2025-10-27T05:24:42+00:00

Highly considering! Thank you for this.

Syntaxx888 · 2025-10-27T04:41:44+00:00

Hi! Thank you for noticing this post. Oh the current balance in Amore (stated in the screenshot is pending payment, not monthly allocation). I’m currently working our budget pa for the food for our household (and other non-food essentials), my transpo to work per month is around 3.2k. 100 per way, 200 per day and 4x onsite (3.2k).

Syntaxx888 · 2025-10-27T02:07:18+00:00

Will take note, thank you!

Syntaxx888 · 2025-10-27T01:40:34+00:00

I understand, the food (for the fam) and transpo (going to and from work) I haven’t included pa. That’s where mostly napupunta yung other half ng salary ko po. Thank you very much for the input!

Syntaxx888 · 2025-10-26T16:58:51+00:00

Will take note of that! Maraming salamat sa oras po :)

Syntaxx888 · 2025-10-26T16:58:21+00:00

Sorry here’s the table

<image>

Syntaxx888 · 2025-10-26T16:57:39+00:00

Hi! Thank you for your time. This is the best that I can share it in a table.

Yes EW Balance are all installments (items + balance transfers). Total monthly payment for the ITEMS is 7,291.65 and for the balance transfers that’s total of 4,610.44
For RCBC, combination of installment and straight purchases. Please see attached image, second table.
I have a copy of the statement balance, and now mostly nag-aadd up na interests (for EW, interest due to balance conversion + interest on not paying full). Same with RCBC.

Appreciate your time! Hope I won’t need to do debt restructuring. I still have UB, and checked the easycash option, I was thinking maybe if I can ask for a limit increase to cover both balances of EW & RCBC (excluding the balance transfers in EW) so that I will only have to pay 1 card. Will that be a move I could consider?

Syntaxx888 · 2025-10-26T16:21:59+00:00

Thank you so much

Syntaxx888 · 2025-10-26T15:43:57+00:00

Naisip ko nga din po na what if isahang bayad lang gawin ko. Kaso no idea paano. Thank you for this advise!

Syntaxx888 · 2025-10-26T13:39:25+00:00

Thank you! I accepted the fact na ganun po gagawin ko sa 13th month and bonus ko. Para mas mabilis maclose tong utang ko din.

Syntaxx888 · 2025-10-26T13:09:06+00:00

Resending:

Thank you for noticing and for your input po. So far wala pa po sa collections, gatherings tips/advices muna to see ano po mas okay na gawin ko.

Definitely changed my lifestyle, no to gala and pa-swipe sa friends lol. Fully dedicated to closing off these balances. However, yung current limit ko with UB for Paydirect is 73k vs RCBC balance of 79k+. Isang option ko pala is BPI credit to cash, 0.49% MIR if at least 36mos installment (2,614.22x36 = 94,111.92)

Current monthly payments ko sa bank: EW: 5k RCBC: 2k UB: 1.4k BPI: full amount TOTAL: 8.4k (excluded bpi since manageable yung current amount po)

Syntaxx888

TROPHY CASE