I just started this online selling business and I want to make sure I get all the goodluck I can, so I'm starting with a promo as an "offering" to the universe and to the gods and goddesses of luck and beauty.
Instead of the SRP of P60 per bar, I'm selling my Cyleina soaps at P59 per bar OR P58per bar for orders of 3 bars or more, any combination.
For the Glutamaxxx, which retails at P100, I'm selling it at P99 per bar OR P98 per bar for orders of 3 bars or more of Glutamaxxx.
Payment options: GCash, Paypal, BPI deposit or COD
Shipping/delivery options: Xend, Air 21, pick-up or meet-up at a place and time convenient to ME (especially if the order is just for 1 bar of soap)
Showing posts with label BPI. Show all posts
Showing posts with label BPI. Show all posts
Wednesday, August 26, 2009
Tuesday, August 25, 2009
Paypal without EON card
I have been reading a lot about confused moms (I read the inquiries on Smart Parenting)inquiring on how to go about setting up their own Paypal accounts. Yes, up to this time there are still a lot of confusion on this despite several threads and long posts on various forum. So I've decided to add my own... before I pitch in my request that you use my referral link to sign up for a Paypal account. Hehehe. :-)
Myth# 1: You need an EON card to create a Paypal account - Back in the yester-years you probably would have needed an EON account, but not anymore since Paypal accredited Philippine banks to allow its Filipino members to transfer their Paypal funds to their savings or checking accounts.
In the olden day, EON was the only facility accepted by Paypal to enable new members to verify their account AND withdraw funds as well. So even if you don't have a credit card you can create a Paypal account and withdraw from it too, using EON.
These days, if you have a credit card AND a bank account, you are good to go.
Myth# 2: You need a credit card under YOUR name to verify your Paypal account - NOT! Now, this I have proven based on personal experience. I do have credit cards in MY name, but they're all maxed out and I needed to verify my Paypal account badly. Solution: USE HUSBAND'S CREDIT CARD.
I'm not sure if it will work with other relatives' credit card, but most likely it will if you have the same surname. This is my assumption because the as I was keying-in the credit card information, the SURNAME was pre-entered. All I had to do was enter the FIRST name.
Myth# 3: It is cheaper to withdraw funds using EON - Not!
My friend withdraws her oDesk earnings thru EON and she says her account is automatically charged $5 regardless of the amount she withdraws. So to get more value from this $5 she "accumulates" her earnings first before withdrawing to get more out of the $5 fee. Aside from this, if she transfers less than P7,000 from her Paypal to her EON account, she is also charged P50.
I'm have my BPI savings account and BPIFB joint account linked with my Paypal account. In my experience I get charged P150 pesos everytime I transfer my Paypal earnings to my BPI accounts. I also get that P50 Paypal charge if I transfer any amount lower than P7,000.
For penny-pinchers like me, every peso counts. P150 is still a whole lot lesser than $5, given how our exchange rate fluctuates. Plus, I hated Unionbank's service, whether thru the bank or via their customer service hotline. Their branch here along Quirino Highway, Novaliches really sucks!
So, if you need a Paypal account consider your options and ask around first to get the best deal when in comes to bank charges and services. I only know about BPI's charges, please don't assume it's the same for all banks.
However, if you've decided you want to go ahead and create a Paypal account I'd really appreciate it if you use my referral link:
Myth# 1: You need an EON card to create a Paypal account - Back in the yester-years you probably would have needed an EON account, but not anymore since Paypal accredited Philippine banks to allow its Filipino members to transfer their Paypal funds to their savings or checking accounts.
In the olden day, EON was the only facility accepted by Paypal to enable new members to verify their account AND withdraw funds as well. So even if you don't have a credit card you can create a Paypal account and withdraw from it too, using EON.
These days, if you have a credit card AND a bank account, you are good to go.
Myth# 2: You need a credit card under YOUR name to verify your Paypal account - NOT! Now, this I have proven based on personal experience. I do have credit cards in MY name, but they're all maxed out and I needed to verify my Paypal account badly. Solution: USE HUSBAND'S CREDIT CARD.
I'm not sure if it will work with other relatives' credit card, but most likely it will if you have the same surname. This is my assumption because the as I was keying-in the credit card information, the SURNAME was pre-entered. All I had to do was enter the FIRST name.
Myth# 3: It is cheaper to withdraw funds using EON - Not!
My friend withdraws her oDesk earnings thru EON and she says her account is automatically charged $5 regardless of the amount she withdraws. So to get more value from this $5 she "accumulates" her earnings first before withdrawing to get more out of the $5 fee. Aside from this, if she transfers less than P7,000 from her Paypal to her EON account, she is also charged P50.
I'm have my BPI savings account and BPIFB joint account linked with my Paypal account. In my experience I get charged P150 pesos everytime I transfer my Paypal earnings to my BPI accounts. I also get that P50 Paypal charge if I transfer any amount lower than P7,000.
For penny-pinchers like me, every peso counts. P150 is still a whole lot lesser than $5, given how our exchange rate fluctuates. Plus, I hated Unionbank's service, whether thru the bank or via their customer service hotline. Their branch here along Quirino Highway, Novaliches really sucks!
So, if you need a Paypal account consider your options and ask around first to get the best deal when in comes to bank charges and services. I only know about BPI's charges, please don't assume it's the same for all banks.
However, if you've decided you want to go ahead and create a Paypal account I'd really appreciate it if you use my referral link:
Saturday, May 30, 2009
Did you know that...
Again, let's make this a Filipino-English post para mas feel at nanunuot sa damdamin. if you need a pure English translation, just send me an email and I'll gladly translate it for you. Sayang ang pagiging freelance writer ko if I can't do that. :-)
Let's get the ball rolling. Did you know that...
1. You can get "loyalty credits" from being a Globe subscriber for at least 24 months?
Yup, it's true!. I've been a Globe subscriber for ages, or since 1997 yata yun. Ang arte-arte kasi ng Smart before and it was really hard to get a plan with a free phone from them noong mga panahong yun. Ewan ko na lang ngayon.
Anyway, so yun nga after 24 months of use, nag-expire na si plan. Eh likas talaga akong maurirat, I called Globe's customer service kasi I wanted to find out how to get a new phone, kasi di ba laging me mga bagong phone na ino-offer for free sa mga mag-aavail ng plan. Sabi ko pwede ko bang i-terminate existing plan ko then kuha ako ng bago just to get a new phone. Adik?
I was told I didn't have to do that pero yung phone na gusto ko is available only for a higher plan. Eh I didn't want to upgrade kasi plan 1200 yata ako that time. The customer service rep told me that ayun na nga... I can just get "loyalty credits" if I don't want to settle for a lower-end phone.
Ang scheme is I will have to sign up for another 24 months and they will deduct half the amount of my monthly plan, meaning 600 less tax or some charges yata yun for those 24 months. So installment. Let's say 1200 nga yung plan ko, more or less 700 na lang babayaran ko kasi ike-credit ako ng Globe ng 500++.
So, if you are a loyal Globe subscriber like me, make sure to find out when your plan is due to expire and call them right away to ask for the same deal. Ako, ever since I learned na me ganun pala, lagi kong hinihingi yun kasi parang hindi nila sasabihin sa inyo ng kusa. My husband does this na rin kasi nga tinuro ko sa kanya.
2. BPI waives annual membership fees - yes, yes, alam ko other credit cards do this... pero for the first year lang! Kaya paki-baba ang kilay nyo kasi useful din itong tip kong ito. :-)
Again, I've had my BPI credit card since 1997. Loyal sa mga Zobel de Ayala? I was once an employee kasi of one of Ayala Corporation's affiliates. PERO... I didn't know about this waiving of the annual fee thing until an officemate told me sometime 2005 na siguro. Imagine for years I've been religiously paying those annual fees eh pwede naman pala ipa-waive???
All you have to do is call them and request that waive your annual fee once it appears on your billing statement. Remember, it has to appear muna on your SOA before you call them, otherwise uulit lang kayo ng tawag.
Baket need pang intayin mag-appear sa SOA? Kasi me instance na hindi naman kayo nacha-charge. Well, at least in my case ganun. Hindi ko alam kung nagsawa na ang BPI sa kaka-request ko taon-taon since 2005 kaya hindi na nila ako china-charge, pero yun nga for the past 2 years yata wala akong annual fee. I would know kasi nga pag me nakita ako sa SOA eh itinatawag ko agad. Again, ginagawa na din ng husband ko itong discovery ko na ito. So try nyo din.
Might as well try it on your other credit cards. Malay nyo naman... Aba sayang din ang 1,500 to 2000 na membership fee.
3. Bayantel gives P500 rebates on your DSL bill IF you lose your DSL service and it was not restored within 24 hours.
I'm not very happy with the services of Bayantel kasi madalas napuputol yung DSL ko although na-program ko naman mag-auto redial pero still, hassle di ba? Anyway, pag naputol DSL nyo, i-report nyo agad kasi that is the only time the 24-hour count starts.
Take note of the exact time when it is restored. You will know kasi tatawagan naman nila kayo, so you really don't have to stare at your modem to wait for it to come to life. Pag lumagpas ng 24 hours at di pa nare-restore ang service, i-report nyo agad. Konting galit-galitan para mas effective although ako galit talaga lagi kasi naman my work depends on my DSL. Walang internet, walang trabaho.
At most importantly, wag mag-settle pag sinabing "may nagpunta na pero walang tao sa bahay nyo." Ang mechanics ng rebate program nila is REPAIR WITHIN 24 HOURS. Kahit dyan matulog ang repairman sa bahay nyo, kung hindi na-restore ang service nyo, you have every right na mag-reklamo and ask for that rebate. Basta lumagpas ng 24 hours kahit 1 minute lang i-reklamo nyo na. Well, that is kung importante sa inyo bawat piso na ginagastos nyo. If you don't need the rebate eh di keber. :-)
Isip pa ako ng mga tips and saving tricks na pinakinabangan ko talaga. For now, enjoy nyo muna mga ito.
Let's get the ball rolling. Did you know that...
1. You can get "loyalty credits" from being a Globe subscriber for at least 24 months?
Yup, it's true!. I've been a Globe subscriber for ages, or since 1997 yata yun. Ang arte-arte kasi ng Smart before and it was really hard to get a plan with a free phone from them noong mga panahong yun. Ewan ko na lang ngayon.
Anyway, so yun nga after 24 months of use, nag-expire na si plan. Eh likas talaga akong maurirat, I called Globe's customer service kasi I wanted to find out how to get a new phone, kasi di ba laging me mga bagong phone na ino-offer for free sa mga mag-aavail ng plan. Sabi ko pwede ko bang i-terminate existing plan ko then kuha ako ng bago just to get a new phone. Adik?
I was told I didn't have to do that pero yung phone na gusto ko is available only for a higher plan. Eh I didn't want to upgrade kasi plan 1200 yata ako that time. The customer service rep told me that ayun na nga... I can just get "loyalty credits" if I don't want to settle for a lower-end phone.
Ang scheme is I will have to sign up for another 24 months and they will deduct half the amount of my monthly plan, meaning 600 less tax or some charges yata yun for those 24 months. So installment. Let's say 1200 nga yung plan ko, more or less 700 na lang babayaran ko kasi ike-credit ako ng Globe ng 500++.
So, if you are a loyal Globe subscriber like me, make sure to find out when your plan is due to expire and call them right away to ask for the same deal. Ako, ever since I learned na me ganun pala, lagi kong hinihingi yun kasi parang hindi nila sasabihin sa inyo ng kusa. My husband does this na rin kasi nga tinuro ko sa kanya.
2. BPI waives annual membership fees - yes, yes, alam ko other credit cards do this... pero for the first year lang! Kaya paki-baba ang kilay nyo kasi useful din itong tip kong ito. :-)
Again, I've had my BPI credit card since 1997. Loyal sa mga Zobel de Ayala? I was once an employee kasi of one of Ayala Corporation's affiliates. PERO... I didn't know about this waiving of the annual fee thing until an officemate told me sometime 2005 na siguro. Imagine for years I've been religiously paying those annual fees eh pwede naman pala ipa-waive???
All you have to do is call them and request that waive your annual fee once it appears on your billing statement. Remember, it has to appear muna on your SOA before you call them, otherwise uulit lang kayo ng tawag.
Baket need pang intayin mag-appear sa SOA? Kasi me instance na hindi naman kayo nacha-charge. Well, at least in my case ganun. Hindi ko alam kung nagsawa na ang BPI sa kaka-request ko taon-taon since 2005 kaya hindi na nila ako china-charge, pero yun nga for the past 2 years yata wala akong annual fee. I would know kasi nga pag me nakita ako sa SOA eh itinatawag ko agad. Again, ginagawa na din ng husband ko itong discovery ko na ito. So try nyo din.
Might as well try it on your other credit cards. Malay nyo naman... Aba sayang din ang 1,500 to 2000 na membership fee.
3. Bayantel gives P500 rebates on your DSL bill IF you lose your DSL service and it was not restored within 24 hours.
I'm not very happy with the services of Bayantel kasi madalas napuputol yung DSL ko although na-program ko naman mag-auto redial pero still, hassle di ba? Anyway, pag naputol DSL nyo, i-report nyo agad kasi that is the only time the 24-hour count starts.
Take note of the exact time when it is restored. You will know kasi tatawagan naman nila kayo, so you really don't have to stare at your modem to wait for it to come to life. Pag lumagpas ng 24 hours at di pa nare-restore ang service, i-report nyo agad. Konting galit-galitan para mas effective although ako galit talaga lagi kasi naman my work depends on my DSL. Walang internet, walang trabaho.
At most importantly, wag mag-settle pag sinabing "may nagpunta na pero walang tao sa bahay nyo." Ang mechanics ng rebate program nila is REPAIR WITHIN 24 HOURS. Kahit dyan matulog ang repairman sa bahay nyo, kung hindi na-restore ang service nyo, you have every right na mag-reklamo and ask for that rebate. Basta lumagpas ng 24 hours kahit 1 minute lang i-reklamo nyo na. Well, that is kung importante sa inyo bawat piso na ginagastos nyo. If you don't need the rebate eh di keber. :-)
Isip pa ako ng mga tips and saving tricks na pinakinabangan ko talaga. For now, enjoy nyo muna mga ito.
Friday, May 22, 2009
Tips that Really Add Up - Continued ulit...
Let's make this post in Filipino-English naman para mas me feelings ang mga side comments. Hehehe. Feel free to jump right in and comment.
Bale isang tip lang ito kasi mukhang magiging lengthy ang pagdi-discuss ko so bear with me.
CONSOLIDATE YOUR CREDIT CARD DEBT
How many credit cards do you have? Ako, I have at least 3. Isang BPI classic, the maroon one, isang BPI Edge kasi wala akong mastercard before, and isang BDO Shopmore.
If you love shopping like I do, for sure gamit na gamit ang cards nyo and pag may nag-offer ng 0% malamang nangunguna kayo sa pila ng mag-aavail. I was like that. WAS... past tense na. I used to earn a lot in my job in a government financial institution. Di po ako nangongotong nor was I involved in shady deals. Supervisory level na ako dun when I availed of an early retirement package, so medyo malaki na kita ko and I was used to a lifestyle of just charging anything I want knowing I would have the money to pay or it come payday.
So when I availed of an early retirement package and got employed in a call center, dala ko pa din yung "lifestyle" ko which I did "enjoy" for 10 years. Since hindi pa naman ganun kalaki ang kita ng husband ko sa call center din, I just charge our groceries and meals out on my credit card. I came to my senses nung parang ang laki-laki na ng binabayaran ko sa monthly and yet it was not causing a dent in my outstanding bill.
Noon pa lang I thought of consolidating my credit card debt na. Pag may balance transfer na offer I would immediately avail thinking nakakatipid ako on the finance charges kasi compared naman sa usual 3.5% eh magiging .70% or at most .90% na lang. Or so I thought.
Since hindi naman talaga kalakihan ang kita namin sa call center, or actually malaki naman kung single ka and you live with your parents at wala kang kotse na at that time eh malakas talaga sa gasolina, panay pa din ang charge ko ng groceries at dinners or lunch out sa credit cards ko. I mean, hey, kaya ka nga nagta-trabaho para naman ma-enjoy mo din ang buhay mo. Kaya ayun, kaliwa't kanang balance transfer ang in-avail ko.
When I was in the process of deciding kung kaya ko mag-stay-at-home Mom, lalo kong natitigan yung mga credit card statements ko. Matagal ko ng na-realize na dapat kayusin na talaga yung mga utang ko kaya I have really stopped using my credit cards. Ni hindi ko na nga dinadala. I really felt naked at that time lalo pag alam kong wala naman akong cash. I just avoided going to the mall na lang. Kung groceries lang kailangan, dun na lang ako pupunta, di na ako iikot for fear na makakita ng magugustuhan kong want na iju-justify kong need.
Anyway, going back sa pagtitig ko sa credit card statement ko. I discovered na totoo palang me "hidden charges". When I computed my BDO monthly due I discovered na pati yung mga balance transfers ko eh isinasama nila sa outstanding bill ko na china-charge pa nila ulit ng 3.4% monthly interest! So kamusta naman di ba? Paano ka nakatipid sa finance charges pag ganun? Eh di it defeats the purpose entirely?!
Nakaka-asar kasi if you think na your deposit to these banks only earn a measly 1% PER ANNUM! Ni hindi nga 1% MONTHLY eh. Tapos yung mga deposito nyo ang ginagamit ng mga bangko ito to give out loans that charge 3.4% interest monthly!. Para kang iginigisa sa sarili mong mantika.
So eto nag-balance transfer ako ulit, pero this time sa BPI na. I was able to prove to myself na yung bina-balance transfer ko sa BPI eh hindi kasama sa china-charge ng monthly interest kaya pala kahit halos same lang ang credit limit ko sa BPI at BDO eh di hamak na mas malaki lagi ang nakikita kong finance charge ng BDO credit card ko. Another thing going for BPI is that they don't charge you immediately upon your purchase. Mag-i-start lang ang counting nila the minute they get the charge slip from the merchant where you made your purchase. So swerte mo kung yung merchant is matagal mag-submit ng charge slips. Makikita mo yan sa "post date".
Pag tiningnan mo yung credit card statement mo sa BPI, me purchase date or transaction date tapos me post date. Post date is when the merchant submitted the charge slip to BPI. Yun ang start ng pag-charge nila ng interest sa 'yo.
Sa BDO at alam ko Citibank ganito din, kahit isang buwan bago mag-submit ang merchant ng charge slip, nire-retroact nila yung pag-charge sa 'yo ng interest. So from the day you signed that charge slip, expect na tumatakbo na ang metro.
About 0% purchases. Wag din agad-agad maniniwala sa mga ganitong promo. Canvass, canvass, canvass. Check the actual retail price (parang Price is Right)kung cash nyo bibilihin yung item. Kasi kahit 0% pa yan, different yung ginagamit nilang price kesa kung cash purchase. In short, naka-tuck-in na talaga yung interest pag credit card nyo binili. Hindi talaga siya 0%.
Ewan ko lang dun sa mga sinasabi ng BPI na "THE REAL 0%" ha. Kasi nga ginaya na ng ibang credit cards yung gimmick na yun. Ang claim ng BPI eh 0% talaga sila, meaning hindi bloated yung price nung item to hide yung interest. Kaya nga CANVASS, CANVASS, CANVASS.
Kung gusto nyo talaga maka-ahon sa utang nyo sa credit card nyo, like me, i-avoid nyo at all cost ang paggamit ng credit card. Kakainin talaga kayo ng buhay ng interest charges. Or kung di naman talaga ma-avoid, make the conscious effort to pay it off na lang agad. Yung pautay-utay na minimum payment nyo will not do you any good. Patay na kayo hindi pa tapos ang utang nyo. At kahit patay na kayo hindi naman ira-write-off ng mga bangkong yang ang utang nyo. Hanggang mahahanap nila ang pamilya nyo, eh for sure makakatanggap sila ng statement of account.
Bale isang tip lang ito kasi mukhang magiging lengthy ang pagdi-discuss ko so bear with me.
CONSOLIDATE YOUR CREDIT CARD DEBT
How many credit cards do you have? Ako, I have at least 3. Isang BPI classic, the maroon one, isang BPI Edge kasi wala akong mastercard before, and isang BDO Shopmore.
If you love shopping like I do, for sure gamit na gamit ang cards nyo and pag may nag-offer ng 0% malamang nangunguna kayo sa pila ng mag-aavail. I was like that. WAS... past tense na. I used to earn a lot in my job in a government financial institution. Di po ako nangongotong nor was I involved in shady deals. Supervisory level na ako dun when I availed of an early retirement package, so medyo malaki na kita ko and I was used to a lifestyle of just charging anything I want knowing I would have the money to pay or it come payday.
So when I availed of an early retirement package and got employed in a call center, dala ko pa din yung "lifestyle" ko which I did "enjoy" for 10 years. Since hindi pa naman ganun kalaki ang kita ng husband ko sa call center din, I just charge our groceries and meals out on my credit card. I came to my senses nung parang ang laki-laki na ng binabayaran ko sa monthly and yet it was not causing a dent in my outstanding bill.
Noon pa lang I thought of consolidating my credit card debt na. Pag may balance transfer na offer I would immediately avail thinking nakakatipid ako on the finance charges kasi compared naman sa usual 3.5% eh magiging .70% or at most .90% na lang. Or so I thought.
Since hindi naman talaga kalakihan ang kita namin sa call center, or actually malaki naman kung single ka and you live with your parents at wala kang kotse na at that time eh malakas talaga sa gasolina, panay pa din ang charge ko ng groceries at dinners or lunch out sa credit cards ko. I mean, hey, kaya ka nga nagta-trabaho para naman ma-enjoy mo din ang buhay mo. Kaya ayun, kaliwa't kanang balance transfer ang in-avail ko.
When I was in the process of deciding kung kaya ko mag-stay-at-home Mom, lalo kong natitigan yung mga credit card statements ko. Matagal ko ng na-realize na dapat kayusin na talaga yung mga utang ko kaya I have really stopped using my credit cards. Ni hindi ko na nga dinadala. I really felt naked at that time lalo pag alam kong wala naman akong cash. I just avoided going to the mall na lang. Kung groceries lang kailangan, dun na lang ako pupunta, di na ako iikot for fear na makakita ng magugustuhan kong want na iju-justify kong need.
Anyway, going back sa pagtitig ko sa credit card statement ko. I discovered na totoo palang me "hidden charges". When I computed my BDO monthly due I discovered na pati yung mga balance transfers ko eh isinasama nila sa outstanding bill ko na china-charge pa nila ulit ng 3.4% monthly interest! So kamusta naman di ba? Paano ka nakatipid sa finance charges pag ganun? Eh di it defeats the purpose entirely?!
Nakaka-asar kasi if you think na your deposit to these banks only earn a measly 1% PER ANNUM! Ni hindi nga 1% MONTHLY eh. Tapos yung mga deposito nyo ang ginagamit ng mga bangko ito to give out loans that charge 3.4% interest monthly!. Para kang iginigisa sa sarili mong mantika.
So eto nag-balance transfer ako ulit, pero this time sa BPI na. I was able to prove to myself na yung bina-balance transfer ko sa BPI eh hindi kasama sa china-charge ng monthly interest kaya pala kahit halos same lang ang credit limit ko sa BPI at BDO eh di hamak na mas malaki lagi ang nakikita kong finance charge ng BDO credit card ko. Another thing going for BPI is that they don't charge you immediately upon your purchase. Mag-i-start lang ang counting nila the minute they get the charge slip from the merchant where you made your purchase. So swerte mo kung yung merchant is matagal mag-submit ng charge slips. Makikita mo yan sa "post date".
Pag tiningnan mo yung credit card statement mo sa BPI, me purchase date or transaction date tapos me post date. Post date is when the merchant submitted the charge slip to BPI. Yun ang start ng pag-charge nila ng interest sa 'yo.
Sa BDO at alam ko Citibank ganito din, kahit isang buwan bago mag-submit ang merchant ng charge slip, nire-retroact nila yung pag-charge sa 'yo ng interest. So from the day you signed that charge slip, expect na tumatakbo na ang metro.
About 0% purchases. Wag din agad-agad maniniwala sa mga ganitong promo. Canvass, canvass, canvass. Check the actual retail price (parang Price is Right)kung cash nyo bibilihin yung item. Kasi kahit 0% pa yan, different yung ginagamit nilang price kesa kung cash purchase. In short, naka-tuck-in na talaga yung interest pag credit card nyo binili. Hindi talaga siya 0%.
Ewan ko lang dun sa mga sinasabi ng BPI na "THE REAL 0%" ha. Kasi nga ginaya na ng ibang credit cards yung gimmick na yun. Ang claim ng BPI eh 0% talaga sila, meaning hindi bloated yung price nung item to hide yung interest. Kaya nga CANVASS, CANVASS, CANVASS.
Kung gusto nyo talaga maka-ahon sa utang nyo sa credit card nyo, like me, i-avoid nyo at all cost ang paggamit ng credit card. Kakainin talaga kayo ng buhay ng interest charges. Or kung di naman talaga ma-avoid, make the conscious effort to pay it off na lang agad. Yung pautay-utay na minimum payment nyo will not do you any good. Patay na kayo hindi pa tapos ang utang nyo. At kahit patay na kayo hindi naman ira-write-off ng mga bangkong yang ang utang nyo. Hanggang mahahanap nila ang pamilya nyo, eh for sure makakatanggap sila ng statement of account.
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