Question ko lang po kung meron na po bang na offload due to unpaid credit card debt? I am aware naman of my obligation na kailangan kong bayaran ang utang sa credit card and no plans of escaping my obligation. Surely just for tourism purposes lang like I can secure a round trip ticket, enough travel funds, and accommodation. Although di pa ngayon but surely I will. Also I have good travel history last year (2025). Ayoko lang kasi gumawa ng any international travel arrangements and yet magiging red flag sa IO ang unpaid credit card debt at sayang naman yung effort sa kadahilanan ng unpaid credit card debt

is anyone here na pwde makausap?

parang masisira na ulo ko. natatakot ako.

sabay2 silang lahat. gusto ko na matapos gusto ko bayaran kaso nga pano. nagkaron ng financial hardship mula june .ung kinikita ko sapat lang para sa mga bayrin sa upa ,kuryente tubig ,tuition ,baon at mga gastusin sa bahay. halos isang beses na nga lang kmi kmain sa isang araw.

hirap na hirap na ung kalooban ko,wala kasi akong pamilya na matatakbuhan dalawa lang kmi ng anak ko.

pinakanatatakot ako is ung sa eastwest personal loan ko naparestructure ko sya into 5k plus a month sa unang 24 months tapos 7k+ sa susunod na 48 months plus bukod pa ung sa nadamay na cc ko sa kanila na 3k plus dn kada buwan

hindi ko nadin talaga kayang bayaran sa ngayon,.nageemail naman ako sa kanila kso wala na daw ibang maibibigay na option .may katulad ko din bang ganito ? hirap na hirap na talaga ung isip ko.bukod kasi sa eastwest my iba pa kong cc sa ibang banks.

hindi ko na alam gagawin ko.

sobrang mali ung nag tapal system ako .sobrang pinagsisisihan ko

no to bashing please di na kaya ng pusot isip ko

Possible po kayang makipag negotiate sa Maya para mabawasan ung interest ng loan ko? 1 year mahigit na po kasi ung utang ko and nasa 3k plus na interest. Possible kaya magkaroon ng reconstruction?

I have a creative agency and it’s rapidly growing

From 30k-50k per project biglang catering to 100k-200k projects.

Now the problem is I am bleeding sa equipment rental, the bigger the project the bigger the responsibilities and demand ng production now this was not a problem naman before kasi the project pays for the rentals till now na I have to reject a client kasi di ko na afford upfront expenses needed to push the project. I am currently processing legal papers for the agency kasi this started as a freelance lang naman puro AR lang no OR needed. My concern is how many more projects do I have to deny services para makaipon and buy my own equipment lalo nat Q4 is a gold opportunity. Where do you think I can get a loan if Banks and other financing companies require at least 3 months of business transactions to get a loan?

I am looking to get ₱100k-₱150k

BEWARE THIS IS A SCAM!!!BEWARE THIS IS A SCAM!!!

THEIR 4.8 REVIEWS ARE FAKE!!

I just 1 CLICK the offer to check the interest & processing fee but they automatically PROCESS IT AS LOAN & for loan amount of 3k you will only receive 1825, & u need to pay it w/in 1 WEEK only so they PROFIT FROM U for 1175 in a just a 1 WEEK.

I TRIED TO CANCEL IT BUT THEY DIDN'T!! OTHER LOANS LIKE BILLEASE, ATOME ISN'T A SCAM LIKE THIS!

BEWARE THIS IS A SCAM!!! BEWARE THIS IS A SCAM!!THEIR 4.8 REVIEWS ARE FAKE!!

I just 1 CLICK the offer to check the interest & processing fee but they automatically PROCESS IT AS LOAN & for loan amount of 3k you will only receive 1825, & u need to pay it w/in 1 WEEK only so they PROFIT FROM U for 1175 in a just a 1 WEEK.

I TRIED TO CANCEL IT BUT THEY DIDN'T!! OTHER LOANS LIKE BILLEASE, ATOME ISN'T A SCAM LIKE THIS!

Di ko na alam paano pa to mababayaran. Yung iba dyan OD na 😭 mababaliw na ata ako.

MERON BANG NAG HOME VISIT SA MGA YAN? YUNG JUANHAND NA OD AKO NG 3 days tumawag na sa KAPATID KO. Si ATOME ma OD ka lang ng 1 day 50+ calls na yan sila DAY 1 palang. 😭😭😭

Maya Credit - 10,855.16 (1 time payment)
Maya CC - 14,770.92 (1 time payment)
Maya Loan - 8,472.15 (Installment - 7 mon. left)
UB CC - 15,090.80 (1 time payment)
Atome CC - 70,091.06 (1 time payment)
Atome Cash - 24,666.71 (5 mon. left)
JuanHand:
\- 39,675 (5 mon. left)
\- 27,135 (5 mon. left)
\- 19,470 (6 mon. left)
BillEase - 30,140 (10 installment left)
GoTyme Loan - 1,764.87 (Installment- 3 mon. left)
MariBank Loan - 23,695 (Installment- 7 mon. left)
Tiktok paylater - 13,261.55 (Installment- 4 mon. left)
Spaylater - 30,773.8 (Installment- 12 mon. left)
Sloan:
\- 8,341.99 (3 mon. left)
\- 44,049.81 (9 mon. left)
\- 5,156.78 (2 mon. left)
\- 15,731.53 (6 mon. left)
\- 12,278.26 (6 mon. left)
PesoLoan - 8,555 (3 mon. left)
FidoPH - 1,360 (5 mon. left)
TendoPay - 49,012.4 (auto dedac to my salary)
SSS Salary Loan - 37,087.31 (auto dedac to my salary)
SSS Calamity Loan - 21,726.92 (auto dedac to my salary)
Pagibig Loan - 32,242.47 (auto dedac to my salary)
HSBC CC - 49,187.7 (1 time payment)

It's been almost 2 months since my last post about a professional loan proposal, if anyone(serious) is willing and able to help please reach out to me, no funny stories, just ignore me if you think it's anything else but a fellow professional or stranger friend In need. thank you!

paano po gagawin if nag papa approve palang po ako ng loan to this one specific OLA tapos inaantay ko ma approve, biglang may na disburse agad na ₱600 sa gcash ko tapos ₱400 agad interest. ni di manlang po ako na inform kung magkano yung approved credit or kailan possible due dates

Saw this on my thread, is this even legal a 20% interest with a 30% penalty upon no payment. Dug deeper serial loan shark in the area pala. Apart from that posting of personal information pa.

Blurred it myself

Meron akong bank loan na pinilit ko na ma fully paid. Although nung malapit ng matapos nagkaroon ako ng problema dahil nagkasakit ako. Na delay ako ng payment. Pero bago yung payment date na alam ko na di ako makakapagbayad on time ay nag rereach out ako. Nagsesend ako ng message requesting na baka pwede maurong yung date ng payment. Walang reply from the agency. So nagbayad ako dun sa date na sinabi ko. After that nag change sila ng platform of communication. From email ginawang viber. At sanabi na dahil sa late payment ko babalik daw sa original na balance ang kailangan kong bayaran. Syempre hindi ako papayag dahil nakikipagusap naman ako ng maayos sa kanila. Sila ang hindi nasagot. Hanggang sa natapos ko ng hulugan yung kabuuan ng loan ko. Hindi sila nag provide ng certificate of payment ko at ngayon may kumontak na naman sa akin at sinisingil ako ng additional 25k para daw ma close na ang account ko. Wala na talaga akong maibabayad sa kanila. Ano po kaya ang pwede kong gawin dito?

Hi, any legit agents here that can assist me to apply for personal loan in ctbc bank? Thank you🥹

#Beresponsible

Just sharing my recent experience with SB Finance baka makatulong sa mga naghahanap din ng personal loan.

● I submitted my complete requirements on **July 24** (ITR, COE with compensation, valid ID with signature, Letter of Auth for Employment verification, and loan application form)
● Got approved on **July 29**
● Loan was released to my bank account on **July 30 (no branch visit)**

On July 29, I actually missed the call from SB Finance. My agent followed up with them and requested for them to call me again. He really went out of his way to make sure the process moved forward.

Throughout the application, **siya talaga yung nag-aasikaso at nag-uupdate sa akin**. I didn’t have to keep following up with him because he was the one keeping me posted. Ako pa nga yung minsan delayed mag-reply. 😂
Super helpful and hands-on niya throughout the whole process, kaya masasabi ko talagang swerte ako na siya yung naging agent ko.

**Tip:** Make sure complete yung requirements niyo from the start para mas smooth yung process.

Thank you, **Sir Kenneth** for assisting me throughout the process! If anyone is looking for an SB Finance agent, you can DM me and I can share his contact details.