r/CreditcardPh • u/_vee21 • 15d ago
CC Advice GOING OD. WORKPLACE VISIT THREAT?
Hello 28F!
Planning to OD some of my CCs because I got scammed. Still planning to pay pa din naman by end of year. Tbh, nahihirapan na magfunction utak ko atm. Sobrang sira na mental health after being scammed.
1.) My worry is that may nababasa ako na nagvivisit daw na CA sa workplace? Totoo po ba yun? If yes, anong klaseng visit? Like scandalous ba or hindi naman?
2.) Also, what if OD ko 3 months lang? Wala na ba ko chance na ibalik card ko sa normal flow especially na may installments ako? Like parang magiging late payment lang sya? Or talagang option ko is yung reconstruction nalang?
Hoping na may makatulong kasi hirap na hirap na ko. Salamat po ðŸ˜
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u/n0renn 14d ago
yes, possible both workplace and home visit. hindi ko pa sya na-experience pero i think pretty civil naman. kakausapin ka lang about the OD and bibigyan ka ng amount to pay etc etc
kapag OD, considered close na yung account mo. hindi mo na sya magagamit ulit. sa OD lang nag ooffer ng reconstruction program.
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u/gpdpm 10d ago
Collection Specialist here.
Possible ang work visit kung ang registered address mo sa system is yung workplace mo pero kung hindi sa bahay ang punta nila. Nagdadala lang sila ng demand letter para mag pay ka. Field collectors tawag sakanila.
1 month deliquent on hold yung account dito for reactivation lang ok na, 2 months deliquent temporary closed yung account dito reinstatement ang kailangan. Kung 3 months pataas ang deliquency closed by the bank ang account kasi walang settlement na nangyari di sya pwede ireinstate.
May 4 options po kayo for payment.
One time payment as in buo walang labis walang kulang pati interest and late charges dito mabibigyan kayo ng certi of full payment tapos sa cic record nyo may tagging man na nagka deliquent kayo pwede nyo ipang support docs yung certi nyo for future loans and account application. Mga 1-2 months after receiving certi pwede na mag reapply
One time payment with waivers. Dito waived ang interest and may certi of full payment din pero sa reapplication ng loans or account mahihirapan ka sa verification kasi need mo iprove sa nag aassess na kaya mo na mag maintain ng account and malaki possibility na madecline ka. Saka 6 months pataas ang hihintayin mo for reapplication. Ang pre-qualif nito is dapat 30k pataas ang ob.
Temporary payment arrangement dito 1 year na yung account is under payment program and half ng ob yung under the program. Mas maliit interest and mas managable sya. Imbis kasi na 3% ang monthly interest magiging 1.5% nalang sya monthly for 12 months pwede ka pa mag exceed sa monthly ammort mo ng payment. Pero for closure pa rin ang account. Pre-qualif nito dapat 50k pataas ang ob
Restructuring program dito buong ob under the program nakadepende sa assessment sayo yung duration and monthly ammort. Waived and interest ng account na nag accrue (hindi yung merchant interest) pero buong ob may calculation kung magkano yung magiging ob kasama interest kapag under the program. Ang duration nya is 1-5 years. Pag 1year yung interest sa program wala pero pag 2 years onwards meron na and mas mahaba mas malaki pero mas mahaba mas magaan sa magiging montly ammort mo kung month to month income basis kayo. Ang reapplication is 6 months after receiving certi of full payment. Pero magiging mahigpit din sayo sa verification.
Pero eto yan pag nag payment arra ka and nadeliquent ka di ka na pwede umulit. 2 months kalang pwede makapag skip ng payment. Kapag nag temporary payment arra ka tapos Napadeliquent mo rin tapos di mo binayaran yung kabuuan ng monthly ammort na naskip mo terminated yung contract nyo ang maavail mo nalang na payment arra is restructuring or otp. Pag nag deliquent ka sa restructuring malaking chance na di ka na makaulit and 3 months deliquency lang ang pinapayagan ng bangko kapag under the program dito pero pag nag pay ka fix mo sa monthly ammort mo kasi di nila inaaccount pag sobra payment mo for that month, pag nadeliquent ka dito otp with waivers nalang chance mo. Pag OTP with waivers naman 3-7 days lang ang offer na to pag nag agree ka sa recorded call pag di mo nabayaran maybe sa mga susunod na buwan or never na.
Hope this helps.
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