tag:blogger.com,1999:blog-5587309.post4635359098953981041..comments2024-02-21T14:27:37.582+08:00Comments on Life, Day by Day: Life Lessons: Credit Card Dos and Don'tmerlmdhttp://www.blogger.com/profile/07407286481553054112noreply@blogger.comBlogger28125tag:blogger.com,1999:blog-5587309.post-33387442326261404472012-10-23T20:05:13.305+08:002012-10-23T20:05:13.305+08:00I learned my lesson in using credit card the hard ...I learned my lesson in using credit card the hard way! But at least it taught me valuable lessons that I apply in my life until now. I learned self control and Iiving within my means, now I am maintaining only 1 credit card and I always make sure to pay it off within 3 days from the day I used my card. Anonymoushttps://www.blogger.com/profile/11315121781287323174noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-15842857127735458232012-10-21T12:32:05.362+08:002012-10-21T12:32:05.362+08:00OH my! I had quite unpleasant stories about having...OH my! I had quite unpleasant stories about having credit cards and I don't want to remember them as much as possible. i only maintain my BPI with minimal limit. These DOs and DON'Ts should be applied by users new and old alike.Simplymarrimyehttps://www.blogger.com/profile/06362820771687372067noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-37263919947205031892012-10-20T20:29:48.059+08:002012-10-20T20:29:48.059+08:00Very informative! Very helpful! It's very clea...Very informative! Very helpful! It's very clear and audible to everyone's inner mind and whims and caprices for those who plan to have one soon.Gil Camporazohttps://www.blogger.com/profile/15306950475187476489noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-56797370508831606442012-10-19T10:37:25.691+08:002012-10-19T10:37:25.691+08:00Credit card is very useful but the owner must alwa...Credit card is very useful but the owner must always know his/her limitations. Discipline, self-control and sense-of-responsibility.Justinhttps://www.blogger.com/profile/09403532119045648273noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-33009196890980304422012-10-17T08:09:43.346+08:002012-10-17T08:09:43.346+08:00I've applied to probably all banks for a credi...I've applied to probably all banks for a credit card but all of them denied my application. I guess it could be a blessing-in-disguise for me as I prefer buying items in cash. :Dmarkpogihttps://www.blogger.com/profile/16126867483258398539noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-22115677572850261262012-10-17T02:02:11.789+08:002012-10-17T02:02:11.789+08:00this is actually helpful especially to someone lik...this is actually helpful especially to someone like me who's planning on getting a credit card. thanks :)Anonymoushttps://www.blogger.com/profile/05560568793124676192noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-85803026733598675382012-10-16T18:29:54.625+08:002012-10-16T18:29:54.625+08:00I was once drowned with debts because of credit ca...I was once drowned with debts because of credit cards before. I eventually stopped using it and pay for my debts for almost 3yrs. I was so scared to get another credit card again since then. But now, I got myself a card again and doing my best to use it wisely and pay it ontime. haha!Anonymoushttps://www.blogger.com/profile/18360990365418732898noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-76224810431892440342012-10-16T16:35:23.214+08:002012-10-16T16:35:23.214+08:00Another credit card tip is to request for waiver o...Another credit card tip is to request for waiver of the annual fee especially if you're a good payer. :)<br /><br />CareyAnonymoushttps://www.blogger.com/profile/11897806434231363566noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-41073718490730994362012-10-16T13:26:58.283+08:002012-10-16T13:26:58.283+08:00sa totoo lang natetempt akong kumuha para lang sa...sa totoo lang natetempt akong kumuha para lang sa domain, hosting at itunes wekekek, but ill think more paAnonymoushttps://www.blogger.com/profile/10672087612211872280noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-37777212195545520022012-10-15T20:13:39.537+08:002012-10-15T20:13:39.537+08:00thanks for the reminder plan to get another card, ...thanks for the reminder plan to get another card, one of my cards is with a bank and I have a time deposit as requirement so when I can't pay the bank they are assured of money to get back from me, it is also shared with another family member and we have been using it for 6 years without problem. The new card I am really re-thinking if I need another one, hmmm... will re-read this post... Anonymoushttps://www.blogger.com/profile/03192980468876413544noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-77203933121545210212012-10-15T07:54:52.450+08:002012-10-15T07:54:52.450+08:00I would love to comment much but I don't have ...I would love to comment much but I don't have a CC so I can't share that much thoughts. D: But good advice though!Trishahttps://www.blogger.com/profile/04233822494745395985noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-70664601458471174502012-10-15T04:00:31.714+08:002012-10-15T04:00:31.714+08:00Yes you are right you should gather first info abo...Yes you are right you should gather first info about the company before proceeding. Well, I don't have any credit card and I have no plan to get one so nothing to worry for me bout it. Anonymoushttps://www.blogger.com/profile/07093806582799700605noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-21452867479599763322012-10-15T01:33:11.962+08:002012-10-15T01:33:11.962+08:00very true and very helpful reminder. i only have o...very true and very helpful reminder. i only have one and i really have no plan of adding more. i'm even planning to have everything paid in 3 months time... so i'm not using it lately... :)Anonymoushttps://www.blogger.com/profile/16691061341247350453noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-24755190050283266022012-10-14T19:37:01.707+08:002012-10-14T19:37:01.707+08:00As convenient credit cards are, I'm still hesi...As convenient credit cards are, I'm still hesitant to get one. Sure, online purchases would be MUCH easier, but I'm afraid the temptation to 'swipe' every purchase would be too great! Very informative post, thanks for sharing.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5587309.post-48900371240626891302012-10-14T17:45:46.511+08:002012-10-14T17:45:46.511+08:00Exactly! You have good list here, I should read th...Exactly! You have good list here, I should read this always. hayst nakakatempt lagi na gamitin ang CARd:)Traveling Morionhttps://www.blogger.com/profile/09257246230863983445noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-28705106262295693112012-10-14T17:42:02.679+08:002012-10-14T17:42:02.679+08:00Just like you, I was so sure that I could manage h...Just like you, I was so sure that I could manage having a cc but not until I have 5 ccs. I was juggling what to use and what cc I purchased with one item or so. Indeed, I'd follow your tips!Elal Lasolahttps://www.blogger.com/profile/06476807933075598476noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-45691084457689146222012-10-14T15:22:15.522+08:002012-10-14T15:22:15.522+08:00I don't have a credit card yet a debit card si...I don't have a credit card yet a debit card since I have the freedom since I take into account my own savings, interesting article for fellows who wants to apply for CC. that's it, to live within yer means. Cheers!Anonymoushttps://www.blogger.com/profile/07774041319199193174noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-13703565322797009392012-10-14T14:41:54.655+08:002012-10-14T14:41:54.655+08:00thanks for sharing your real story about credit ca...thanks for sharing your real story about credit card bad debt. Honestly we're not a fan of using credits cards, as we knew ourselves that we can't control our spending habits. so better get not get one. I believe in your quote, If you want it, save for it.Anonymoushttps://www.blogger.com/profile/10064759038222104757noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-80808906487892850652012-10-14T13:21:46.637+08:002012-10-14T13:21:46.637+08:00This is really a nice share. Credit cards can help...This is really a nice share. Credit cards can help and good if you handle it really well.<br /><br />I would also like to advice those who have credit cards, if ever they are already at "unable to fully pay" zone to settle immediately or ask for terms to pay your debt and not to wait for their case to be referred by the credit card companies to legal. Credit card companies do give terms to pay off if you beg =) <br /><br />Another thing, there is a database that banks can access and can see list of names with adverse findings due to misuse of credit cards. Banks peek the database before they let you open an account, grant loans or gives you credit cards if you apply. So don't wait for your name to be listed in this database, it will end your dealing future with banks and other financial institutionsAnonymoushttps://www.blogger.com/profile/04835290724100721708noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-46763144396996582622012-10-14T12:58:55.455+08:002012-10-14T12:58:55.455+08:00I have a credit card for a year now but I have to ...I have a credit card for a year now but I have to cut it because I cannot control myself to buy this and buy that. So I decided to stop my shopping addiction. Though credit card is very important for emergency purposes. Really a big help. Raine Palhttps://www.blogger.com/profile/06539141401054972832noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-4131960203838782032012-10-14T12:30:49.631+08:002012-10-14T12:30:49.631+08:00I've actually been recently denied of a cc app...I've actually been recently denied of a cc application. I guess it's a blessing in disguise since I really don't need one just yet. My cousin just urged me to apply for one. Anyway, I already know some of the things that you've pointed out here, as I've had the chance of paying for my kuya's cc bills. Budget Biyaherahttps://www.blogger.com/profile/16806647899556109077noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-18311359630308201602012-10-14T07:07:42.759+08:002012-10-14T07:07:42.759+08:00suwerte, hindi ko kailangang mamurublema sa credit...suwerte, hindi ko kailangang mamurublema sa credit card kasi... wala akong credit... walang bangko ang mag-aaprove sa akin kapag nag-apply ako... heheheROMELOhttps://www.blogger.com/profile/15813835913025645608noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-25442533989087298482012-10-14T05:47:03.019+08:002012-10-14T05:47:03.019+08:00This post reminds of my own story! http://gemsdail...This post reminds of my own story! http://gemsdaily.blogspot.com/2011/12/for-years-ive-never-had-credit-card.html <br />... and until now I am learning my lesson! Lol!Maria Gemma Hilotinhttps://www.blogger.com/profile/04312043983408572168noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-81894752537437549892012-10-13T23:04:51.042+08:002012-10-13T23:04:51.042+08:00Excellent tips here. My wife has 2 credit cards an...Excellent tips here. My wife has 2 credit cards and mind you, she at times find it hard to maintain both orderly. Fortunately, she gave up one. papalenghttps://www.blogger.com/profile/17149755141923025358noreply@blogger.comtag:blogger.com,1999:blog-5587309.post-44082218283626748792012-10-13T23:00:39.354+08:002012-10-13T23:00:39.354+08:00I have one simple rule for credit cards. Don'...I have one simple rule for credit cards. Don't spend more than what you can pay as credit card interest is crazily high.Franchttps://www.blogger.com/profile/11228022440726808944noreply@blogger.com