Credit Card

[pau-pau]

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Hi everyone I'm planning to apply for Credit Card but before that pwede ko pa explain para sa na ang Credit Card? I mean, i know unsa na xa, in read nasad ko ug articles unsa ang advantages and disadvantages sa CC pero mas nice man gud kanang experience sa naa ju'y CC. Can you guys share to me unsa inyu experiences nga masulti ninyu as advantage or disadvantage sa CC sa inyu? Thank you!

[trinalla]

if mahimo ayaw lang pag credit card kay basin ma tintal ka ug shopping, gasto didto gasto dri, then inig abot sa bayronon mag guol, basin dili ka maka control labi na first timer mabag hu-an. if dili ka maka bayad mag gukod na ka sa monthly interest. ma problema lang hinoon ka.

[Echelnalf]

Pros: Easy (utang) purchase online / shops / grocery / hospital bills / Other emergency needs etc.

Cons: Abtik maningil / Dali magamit og unnecessary things / Daghan maki "SWIPE"

[xiongmaw]

Pros: Datu kaau ka tanawon, palit ka bisag.unsa

Cons: Pobre na kaau sa tinood kay dagko na kaau kag utang

[pau-pau]

Salamat sa mga nireply Pero, naa ko question, kada gamit nimu ana, naa bana patong ang price sa product nga imu gipurchase?

[xiongmaw]

Wala, pero naay uban merchants mo hatag og discount kong imo e cash

[pau-pau]

Wala, pero naay uban merchants mo hatag og discount kong imo e cash

Niya xiongmaw If dili nimu xa magamit for the whole month, ala rakay bayran by the end of the month?

[moz_k2]

Wala, pero naay uban merchants mo hatag og discount kong imo e cash

Additional info:
Ang uban pud kung straight payment using the card naa discount.
Nya wala kung installment type ang payment (3/6 months to pay)

[kenshin2143]

Akong ig-agaw naa credit card pero pang business rajud niya tu... As for you TS, kung personal lang... I recommend nga wag nalang kay matintal jud ka maggasto ana... But if for business purpose then go for it, it would really help you in your business.

[rosygemini]

Hi ts its a bit ironic. Cos u posted a thread asking how to save. But then u're asking in this thread about credit card.

Anyways, if u're serious about ur savings for ur future dont put credit card on ur list. It will just ruin ur plan.