Credit Card

credit card debt philippines

How to Negotiate a Credit Card Debt Settlement (and What to Say When You Call the Bank)

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You’ve been paying faithfully, but lately, it feels impossible to keep up.The minimums are eating your whole paycheck, and collectors won’t stop calling. Then you hear about something called a “debt settlement” — a way to reduce your balance and finally close your account for less than what you owe. But how does it really […]

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credit card philippines

What Happens If You Stop Paying Your Credit Card Debt in the Philippines?

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You skip a payment, promising to catch up next month. Then another bill comes in, and another. Soon, your inbox is full of reminders, and you start avoiding calls with unknown numbers. At some point, the thought crosses your mind: “What if I just stop paying?” It’s a question thousands of Filipinos quietly ask every

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credit card hacks

Why Your Credit Limit Is Not Your Money (And How to Finally Take Back Control)

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It starts with one simple text: “Congratulations! We’ve increased your credit limit.” You didn’t ask for it. You didn’t even need it. But suddenly, your card feels more powerful. You feel a little richer, a little more secure, maybe even a little proud. That’s exactly how credit cards are designed to work. The “congratulations” feels

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credit card rewards points scam

‘Your Rewards Points Are Ready to Redeem!’—The Sneaky Credit Card Scam That Almost Got Me

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Let’s talk about those sneaky “bank calls” that promise rewards but leave you with… nothing. I didn’t think I’d ever fall for a scam—especially not one from a “friendly” caller on my birthday! But that’s exactly what happened. Let me share how close I came to being scammed, and the red flags I missed at

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