Forum Topic

*Credit Card 101

  • We are curious din naman, baka may hindi pa kami nakikita na ikaw palang nakakita?


    ako gusto ko talaga malaman saan meron... dahil need ko ng pang home renovation... patapos na kasi sa april yung pinagawa kong bahay na inutang ko sa pagibig hahaha.. (puro utang pinag uusapan lol).

    August pa kasi dadating yung pera ko na pina utang ko din :D ayaw ko matiwangwang yung bahay ng 3-4 mos and sayang yung panahon at tag ulan na din sa ber months...

    sana may ma suggest si sir na company or anumang medium na pwede na di kailangan mang abala ng ibang tao.
  • sss 32k lang yata max...


    38k na ang max sa sss, ( gross)
  • ayaw mo na ng KFC?hahaha...bistro group meron din 50% off.
    lunch guys... 30% off nga pala yung ramen dun sa top of the glo yung japan/japan na kainan sa taas ng glorrieta kapag jcb card holder ka... makapag ramen nga :D
  • So kung gusto mo pataasin, gamitin mo ng gamitin

    Personally, meron ako SSS Salary Loan, tapos di ko binabayaran, kasi barya lang penalties/charges, babayaran ko nalang sa end of term ng buo


    pagibig yung nataas pag utang ng utang,
    and yung sa SSS bad idea na end of term bayaran malaki din ang penalties and interest
  • Somewhat related sa topic ng loans, dapat aware ang mga tao na may anomalya sa loob ng SSS tungkol diyan. Meron mga tauhan ng SSS na nagpapautang gamit ang accounts ng mga tao na walang existing loan. Kaya actually nasabihan ako dati na magloan sa SSS ng small amount kahit di kailangan. Example:

    <click here for link>
    To the Filipino people especially the members of Social Security System of the Philippines, please support this petition to help clean one of the most corrupt government agencies in the Philippines.

    For those who are not aware of the modus operandi or "inside job" within SSS offices, this is for your information and protection. Some employees of SSS are using the names or SSS numbers of other members for their personal loans or other people's favor. I can personally attest to that. I happen to check my SSS account online after 4 or 5 years of being a member and shocked to find out that I am NOT eligible for any type of loan because I am a delinquent payer of housing loan. I NEVER applied for any loan especially housing. I've heard stories like this also but did not do anything until it personally happened to me. So I made this petition to speak not just for myself but for all the victims and potential victims of this anomaly. I also want the Philippine government to reimburse all the expenses and damages that the victims incur to fix their records.

    Please support me in this endeavor. Together, we can make this change.


    Baka lang ngayon mas nabawasan na (or natigil) dahil mas madali na mag-check ng status ng SSS account sa online access.

    -- edited by Peorth on Feb 21 2020, 11:54 AM
  • ^
    yung iba nga naka kuha na ng burial benefit kahit buhay pa eh mga sindikato sa SSS
  • matagal na yan issue na yan sa sss
    kaya dapat mag check sa online ng account sa sss talaga
  • Even collateral loans by its nature should be cheaper than CC loans

    been looking for an equity loan for a while, pang renovate ng bahay

    - I have to pay 5k na assessment fee (more than a month na wala pa rin result)
    - upon loan approval, I have to pay around 5% processing fee (per bank manager), around 50k rin to sa amount na gusto kong utangin
    - I have to go to the bank several times and fillout lots of forms para sa loan
    - I even have to go to city hall para humingi ng tax clearance
    - after ng loan, kailangan ko asikasuhin yung release ng mortgage (if magle-leave ako, bawas income din yun)
    - Rate the bank is giving me: 7.75% per annum


    Credit to Cash ng Citi:
    Rate: 0.59% , that's 7.08% per annum, lower than bank is offering
    Processing time: in 2 days, nasa bank account ko na yung pera
    Collateral: wala
    Other fees: initial disbursement fee (500 lang ata), sabihin na nating kailangan kong bayaran yung 3.5k na annual fee, mas mura pa rin yun kahit over 10 years


    I can't imagine why CC loan is not the better option

    kulang lang credit limit ko kaya I settled with bank loan pero all Pros, nasa side ng CC
  • @naruga

    By accident ko kasi na hindi binayaran yan, then i decided na wag nalang ihabol kasi hassle, end of term nalang.

    I availed that loan when I left my previous company, then hindi ko naibigay yun SSS Salary Loan slip kay new employer.

    For reference, eto siya ngayon, end of term is on July/August 2020 - principal amount is 16,000php - kung titignan mo 2 yrs payable yan, sobrang baba ng interest/penalties ko


  • ayaw mo na ng KFC?hahaha...bistro group meron din 50% off.


    pinamimigay ko na lang sa mga pinsan ko yung kfc hehe... pag weekend nag reredeem ako ng 3-4 meals pasalubong after mag grocery.
  • Meron mga tauhan ng SSS na nagpapautang gamit ang accounts ng mga tao na walang existing loan. Kaya actually nasabihan ako dati na magloan sa SSS ng small amount kahit di kailangan

    Totoo pala to. Nakapag loan na din ako sa SSS one time dahil sinabihan ako ng office mates ko na iba daw kukuha ng loan ko kung di ko inavail. Lahat sila nag apply so sumali na din ako. Natangahan pa ko sa sarili ko dahil di ko naman kailangan ng pera so derecho lang yung loan amount sa savings account ko. Well, good to know now na may silbi din pala. Hehe.
  • me nkpag try nb sa inyo na mag purchase den tumawag sa customer care ng card pra ipa installment balak ko kasi bumili ng parts sa gimore and sabi ng ilang store straight payment daw sila tawag daw ako sa bank for installment
  • ^

    Installment after purchase tawag diyan, ang alam ko na meron ganyan is si Citibank.

    Tawag mo nalang muna sa bank mo before making the purchase and ask for computation, kasi baka tagain ka.

    Mataas kasi interest nun sa Citibank Paylite after Purchase
  • @gowueld

    yung samin naman hindi nabayaran ng previous company nalaman ko na lang nung pag resign kaya hinabol ko yung pagbabayad.
    32k principal loan



    https://ibb.co/tM8RY5L

    -- edited by naruga on Feb 21 2020, 01:10 PM

    -- edited by naruga on Feb 21 2020, 01:10 PM
  • @naruga

    Ang computation ng penalty is 1% of amount due for given month, and hindi siya compounding kaya maliit lang yun penalties with SSS.

    Pero siyempre, in your case, 32k, masmalaki yung 1% at kung beyond term loan na, di parin bayad, talagang maslalaki yan.

    Afaik, meron Loan Restructuring Program si SSS for delinquent loan accounts. Parang amnesty, principal lang babayaran mo yata?
  • @gowueld

    nasa duration pa yan ng term nung ni settle ko eh,

    yung amnesty ang ma waive lang is penalty not the interest. and yung pwede lang mag apply yung tapos na ang 2 year terms
  • ^

    I guess tama lang yun payments mo, kasi basically... x2 lang nung sakin.

    Kaya naman ako nag decide na hindi na bayaran muna yun sakin, kasi +1k lang nadagdag sa outstanding amount due to penalties.
  • Waived na citi premiere miles ko

  • bait ng citi haha
  • saan pala kayo nag a upload ng image bago i post?
  • DL ka lang ng app boss image uploader search mo sa app store. Pili ka nalang dun whichever is most suitable to your taste.
  • may naka install pala na imageshack sa akin... try ko



  • imgbb or pwede rin dropbox, para madali
  • yung iba nga naka kuha na ng burial benefit kahit buhay pa eh mga sindikato sa SSS

    eto malabo mangyari mahigpit ang SSS lalo sa ganito Death/ final na tinatawag
    dahil mismo magulang ko sa SSS hindi basta basta yan investigate pa yan, puntahan mismo burol or saan na embalsamo mismo if nailibing na


    ok yan Credit card loan mababa nga yun 7% per annum