I also ask the help of BSP, parang takot sila ang mga bank s BSP. On the process n ngaun hopefully, matapos na. I admit I mismanaged my credit card it's a lesson learned for me.
Yeah. Kasi by law, they are "regulated" and "supervised" by the BSP. So kahit private entity sila, they are liable sa Bangko Sentral if they're not doing their jobs correctly hehe. Glad to know na you are in the process of fixing your credit history and keep it up! :D
Lets say P20k angbutang ko nuon 2005 tapos ngayun baka umabot na ng 1M or baka 100k siguro, is there any way na ma reduce yung amount? Saan ako makioag settle by the way with my problem sa CMAP
Hi! Sa bank lang po directly. Wag po kayo papayag na bayaran yung sobrang inflated amount. Best to contact din po yung IDRP program ng banks. You can check out my other videos on this. thanks!
@@osheanlee salamat ng marami Oshean. Pag na settle ko na ba sa bank yun magbibigay kaya sila ng certificate of full payment or clearance? What will happen to my record with CMAP then?
@@manongbeans2387 Hi! Yes po, bibigyan po kayo ng certificate of full payment Yung record nyo pa rin po though is mag-sstay pa rin po, pero ang alam ko po is it will be removed 3 years after your settlement. Hope this helps! :)
Hi! CMAP stands for Credit Management Association of the Philippines, if I'm not mistaken. Best to contact them regarding this. Another option is to contact your bank po mismo. :)
hi sir,gusto.ko na bayaran mga cards ko,,makakanegotiate ba ako sa bank,para makalahati man lang ung amount na babayaran ko,,halimbawa 50k ang utang ko,,kaya kong bayaran ay 25k,,pwed ba ako makibargain?
Hi sir Oshean, when you paid yung CC debt po nawala po ba ung record sa Transunion credit report or mauupdate lang sya into closed/paid? I got one po pero 40k lng nmn i'm wondering if mawawala ung record pagka settle thanks!
Hi! Hindi siya mawawala agad. I read somewhere na maaalis siya sa records mo after 3 years. But I recently checked my credit report and after 3 years hindi pa rin nawawala sa credit report ko yung delinquency ko. I think I might file a dispute on this if ever. Hope this helps!
Hi @mae - subukan mo magdagdag ng additional amount every due date para mas mabilis mabayaran agad yung debt. I suggest use debt snowball. Mas effective siya since it changes your behavior and gives you small wins.
Hi Charisse! Nope, it's not advisable to max out your credit card due to credit utilization rate. You can learn more about it on my credit playlist: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-fSfD2AeqgGY.html Hope this helps! :)
