I hold an SBI Prime card since a few years and over the years have acquired better cards so the usage on the card reduced. Last year I got the HDFC DCB and since then that became my primary card. I realised there isn't much use of SBI Prime, be it for Lounge access, International transactions or even during sales hence requested SBI to cancel the card. This is where my ordeal starts.
I received a bill with annual renewal charges and I write to them to reverse the charges or close my card. I got a response stating I had agreed for the charges in the initial terms and conditions so they cannot waive off the charges. So, I write to them to cancel the card but they expect me to pay the renewal charges for this year before they can cancel the card as the statement with the charge is already generated. I called them and they would not accept any arguments to cancel the card instead incentivised me to pay by offering points.
I don't want to use the card and deal with them anymore so finally I agreed to pay the charges if that is what it takes to cancel the card without impacting my credit score.

I'm 30F I got this Credit Card early late 2018 or early 2019, and this was my first Credit Card.
I didn't apply for it they just sent it in the mail basically pre approved. My reasons for closing this Credit Card Account is that I don't have the savings account connected to it anymore and I don't use it that much. I have another CC BPI Rewards Master Card which still has annual fees and UB Platinum Rewards Visa that I am planning to acquire their no annual fee forever promo. I've emailed 3, called multiple times but still transferred to a team that doesn't pick up at all.
Emails sent at 1st was Tue, Feb 27, 9:46 PM
1st [callcenter@bdo.com.ph](mailto:callcenter@bdo.com.ph) replied an acknowledgement reference # 2nd was Sat, Mar 16, 1:10 PM 2nd [callcenter@bdo.com.ph](mailto:callcenter@bdo.com.ph) replied an acknowledgement reference # 3rd was Tue, May 14, 1:25 AM 3rd [callcenter@bdo.com.ph](mailto:callcenter@bdo.com.ph) replied an acknowledgement mail that suggest since my email is not about the FF:

For the concerns listed below, kindly expect a response from us within one (1) to two (2) days: Updating of registered online banking contact information while overseas Online banking enrollment while overseas Reporting of phishing attempts and/or data privacy issues

CC: [consumeraffairs@bsp.gov.ph](mailto:consumeraffairs@bsp.gov.ph) only a detail email on their services, but not anything they could help I tried calling but parang mamemorize ko na ang dialog ni Pia sa kaka hintay. I'm so tried of all of it.
So here's the best part kase gigil auntie nyo. I went to a branch close to me, when I got there, guess what they want me to do, CALL THEIR FRIGGEN HOTLINE!!!! ayoko na. pagod nako.
I was opting to just lock it forever and wait that they'll close it kase wla nang transactions. But I'm afraid na it would be an issue on my end sa credit score ko..
Please help. :(

1. Visit this link: http://m.me/ninjavanph?ref=
2. Click "Start" and input the phone number you used when applying for the card.
3. Enter only the numbers of the code that was sent to your phone.
4. Click "Track my Order". The details of your EastWest tracking number will appear.
5. Lastly, enter the tracking number details at the following link: https://www.ninjavan.co/en-ph/tracking

Eto po yung way ko para ma track yung eastwest cc ko, since hindi sila nag sesend ng tracking number or kailan ang EW CC delivery date.

We have been married 3 years. I work full time and earn $3800 a fortnight, she works 2 days a week and earns $1100 a fortnight.
We have a 2 year old and a baby coming in 9 weeks, so she will take maternity leave at 24 weeks half pay.
Due to cost of living (fyi we are in Australia) we struggle between bills, car loan and mortgage. All up regular payments are roughly $2600 a fortnight excl groceries. Due to her pregnancy we also get hit with high medical costs (600 on scans these past 3 weeks).
Our savings are offset by credit card debt (holidays etc being paid off) which is only 2k but is a buffer if shit hits the fan. We are going to be hit by
Today she paid $320 for her hair after paying $380 6 weeks ago. As of writing this, we have $180 after-bills to see us through til next pay day (1.5 weeks).
We had a massive fight 6 weeks ago about how we can't afford such a massive cost. I spiralled pretty hard given we are living paycheck to paycheck and will hit massive home loan rate hikes when she is off work.
We've fought a lot of the years around money. One of our biggest fights was around how we need to save for a house deposit. She has been pretty open that she has no concept of finance management etc and believe it's linked to undiagnosed (but professionally identified ADHD and OCD). I'm at tipping point, she hasn't responded to any of my attempts to communicate the point. I thought she understood our situation after the last hairdresser incident but apparently not.
I don't know what to do other than move to have completely separate finances.

So my chapter 7 was discharged 1.5 months ago. As soon as I was discharged I apply for capital one and got approval for $500. I pay my phone, internet and gas on this card and pay it off every month.
This was advice given to me and I’m happy with it but not sure if I need to be doing more.
Someone told me I need to open another credit card and a loan just to have it in my score. I already have a student loan that wasn’t discharged, not sure if that counts as the loan? And should I do another low balance credit card?
I also have a good amount already saved up and invested. Will this help with my credit score?

Can Pay Using

• Paypal
• Zelle
• Cashapp
• Crypto (LTC/USDT/XMR)

Looking To Buy

• PSN UK
• PSN USA
• Amazon USA (Physical - Digital)
• Walmart
• BestBuy
• Nordstrom

Rate Depends On

1. Face Value Of The Card
2. Payment Method

Comment & CHAT/PM
Lower REP Goes FIRST!

Posting this one since I lack idea what would be the proper approach para po sana maclose yung isa kong BPI Credit card.
During pandemic nareceive ko ‘tong two cards: 1. BPI Gold Mastercard 2. Amore Cashback
Shared limit sila.
Last year I used the BPI Gold Mastercard to avail the Madness promo. Since sobrang bigat na for me na dala-dalawa yung binabayaran ko annual fee I want to close the Amore one, atsaka I have a more useful card which is the RCBC one.
Is this possible? And if yes, what’s the best method to request to cancel or close the Amore one? Thank you so much.

Debit/Credit Cards Accepted No Closing Costs Cash Price: $895 Finance with $150 Down and 9 Payments of $105 Per Month No Credit Check, No Income Documentation, No Prepayment Penalty 

They did my boys Hermann and Nigel dirty. They both join us but neither get rapports.
Sure I wouldn't expect Hermann to get any, but that's where the "Inconsistency" comes in. Nigel gets to show up at the credits complete with an ending card. Hermann naturally doesn't get that. But then, why even give it to Nigel if he's going to be treated as a Generic like Hermann?
Joke complaint post but how does Nigel have none and Gilbert has a full damn page?

I am amazed at how diligent and effective credit repair programs can be, I enrolled for credit score fix programs with a credit repair professional who helped me practice good financial habits and got my credit report clean. I used the credit repair program called the AutoDispute Kit 2.0 which has gotten all my late payments, hard inquiries and collections deleted within 45 days.
If you are struggling to fix your credit report, Kindly send a DM today so I can share you the secret to getting 200+points in less than 45 days.

I already made a similar post on JapanFinance but haven't seen any responses so I figured I cast a wider net and ask in here as well. Arrived to Japan around a month and a half ago on a 2 year student visa, got myself a yuucho account because from what I read it's the only one I could get for the first 6 months if I have no job, which I don't.
The people on the real state agency I used told me that the rent payment was going to be automatically deducted from my yuucho account so I deposited money before Golden Week and didn't check if it was deducted or not. Yesterday I got a message on my cellphone asking me to please pay this month's rent, I asked the real state agency and they didn't respond until later that day when I told them I've gotten a letter telling me the same thing, on the letter there was a bank account for me to make a transfer, so I went earlier today to make the transfer, and then the cashier was like, "you are classified as a non-resident so if you want to make the transfer is going to be a 7000 yen fee and it'll take a few days", the letter ask me to pay by tomorrow so a couple of days would be a little late for that, also I prefer to avoid paying such a fee. I told this to the agency and they told me that I could go and make a transfer using an ATM, so after class I went to the bank again and tried to do a transfer using the ATM and was denied since it asked me for my cash card and I'm guessing it was the same issue I had earlier with the cashier. So atm I have the rent in cash ready to pay, but how do I pay it? (A little note, my rent is over 10万 that I read on other threads that's the maximum transfer some banks allow, but again in the ATM I went it didn't even let me do anything, not even input the recipient's info)l.
TL:DR How can I pay rent/do a transfer if I'm considered a non-resident for the bank?

je suis plus au Quebec, j'ai 2000$ sur ma master card de BMO et j'ai ferme mon compte BMO en me disant qu'on allait me fournir des lettres? mais non rien.
y a une école au Manitoba me demande 3 slips de paies (2000$) et une avocate de Quebec me demande des frais (2000$) comme elle a perdu un dossier d'harcèlement et foire sa signature dans un contrat...
J'ai eu un syndic de faillite a 21 ans avant d'aller finir mon lycée (genre des cartes de credit pour aller faire du tourisme et un avocat que mon père avait paye dans un dossier de recel).
dans 10 ans les dettes expirent non?
j'au 2 citoyennetés donc je vais me concentrer sur ma vie et revenir dans 10/15 ans je pense...

Hello, paano po yung process to apply for IDRP? Credit card is EW. Nasa 240K na kasi. Please share information. Thank you!

TLDR at the bottom

!! LIMITED OFFER !!

I'll make u an offer, u can't resist.
Starting a yt channel/ Blog/ Small business /Event / Greeting Card?? And need designing done at minimum rates so that u can afford multiple options to choose from? I m the guy!
I do Image resizing, watermark removal, and other image related stuff as well.

🔶OFFER

Logos, posters, Thumbnails, business cards and t-shirt design, certificates, posters/flyers/ business module, greeting cards, intros, channel art, profile pictures! at just starting from 2-3$only.
If you are looking to start a brand new business or rebrand and need a professional logo for your brand at a affordable cost or if you are looking for any Poster or anything related to Insta post or anything related to design!
So I m basically looking to add more work to my portfolio gig so I want few more work which I can put there,
I will also add this to my portfolio so please allow permission for that☺️
⚪Starting@ 3$ + (overseas transaction fees if any/platform taxes) (can increase depends on the complexity and time)⚪

🔶what more do u get

• 3 revisions on the design
• Design in JPG/PNG/PDF (4000x4000) or any other required file type! (Extra Charges)

I can also design "personalized/ customized t-shirt art" !
I do Image resizing, watermark removal, and other image related stuff as well.

🔶CONTACT

$Bid here in comments (mandatory) Either send me a chat or msg me if u have any work for me. ☺️

🛑Serious and interested BIDS$ AND INQUIRES only

🛑NO BID = NO RESPONSE FROM ME

🔶PAYMENT:

I Accept [PAYPAL] and [UPI] Not any other payment method.
Once the logo is completed and finalized I will send you a watermarked preview version. After the payment is sent (via PayPal or upi), I will send you the complete work via email in required file type.

🔶PORTFOLIO:-

If u wanna see my portfolio or work u can dm me and I'll send u the link, or u can directly speak up ur ideas and we can start working asap!

🔶CLIENT EXPERIENCE/FEEDBACK

Client Experience
Client Experience
Client Experience
Client Experience
Client Experience
Client Experience
Client Experience
Client Experience
Client experience
Client Experience
Client Experience
Client Experience
Client Experience
Thank you For spending some time with my post☺️⚡🙏 Hope to work with u soon!
TLDR; I would suggest reading the whole thing for more clearity, but all the above mentioned services r provided starting @ 3-4$ /- USD rate (can vary depending on complexity and scale).

Cash App is a popular mobile payment service that allows users to quickly and easily send and receive money from their friends and family. However, there may be times when a user's account is temporarily shut down for various reasons. The question then arises: can I reopen a shutdown Cash App account?

First and foremost, it is important to understand why a Cash App account shut down in the first place. Common reasons for account shutdowns include suspicious or fraudulent activity, violation of Cash App's terms of service, or failure to verify your identity. If your account has been shut down, it is crucial to first identify the reason behind it before attempting to reopen it.

If your Cash App account shut down due to suspicious or fraudulent activity, you may be able to reopen it by contacting Cash App's customer support team. They will likely ask you to provide additional information or documentation to verify your identity and help them determine whether the account shutdown was warranted. Once you have provided the necessary information, Cash App may decide to reinstate your account.

It is also important to note that if your cash app account was shut down for violating Cash App's terms of service; it may be more difficult to reopen. In such cases, Cash App may not be willing to reinstate your account, especially if the violation was severe. However, it doesn't hurt to reach out to customer support and explain your situation, as there may be a chance for resolution.
Read more: How to activate cash app card
In some cases, users may simply forget to verify their identity or complete the necessary verification steps, leading to an account shutdown. If this is the reason for your account shutdown, you can easily reopen it by completing the verification process as instructed by Cash App. This typically involves providing a valid ID and confirming your personal information.

In conclusion, whether or not you can reopen a shutdown Cash App account largely depends on the reason behind the shutdown. If your account was shut down for suspicious activity, identity verification issues, or other minor reasons, you may have a chance to reopen it by contacting Cash App's customer support and providing the necessary information. However, if the shutdown was due to a serious violation of Cash App's terms of service, the chances of reopening your account may be slim. It is always best to adhere to Cash App's guidelines and policies to avoid any potential issues with your account in the future.

TL;DR - Sinong pipiliin mong tulungan, yung partneasawa mo o magulang mo na ginawa kang investment at retirement plan?
So ayun nga, been with my current girlfriend for a decade na. May sarili akong bahay and she's living with me.
Okay na sana 'no? Kaso ang dami naming utang. Nagaccummulate lahat ng utang namin since pandemic, and hindi na kami nakaahon.
Fast forward to today, 3 months na ako hindi nakakapagbayad ng utang sa dalawang banks. Yung credit card ko nababayaran ko pero yung minimum lang per month, so parang wala na ako nababayad kaso napupunta lang sa interes.
Medyo mababa sahod ko. Tapos sya hindi rin ganon kataas sahod. May opportunity sya mapromote for higher salary pero ayaw nya, and I respect that. Kaso walang nasosolusyonan sa problema naming utang.
Napupunta kasi yung sahod ko sa bayad utang, monthly amortization ng bahay, food, basic necessities, tsaka bill sa internet (wfh kasi sya). Tapos sya nagsoshoulder ng kuryente, at tubig (na wala pang 2k in total kung tutuusin.
Masama loob ko kasi ayaw nya iwan responsibilidad nya sa parents nya. Ginawa syang retirement plan. To be fair, alam ko yung feeling na ganon at pinili ko sya over my parents kahit na nalabel na akong "useless" dahil mas pinili kong piliin sya kesa sa mga magulang ko. Kaso feeling ko ang unfair ng partner ko for not choosing me over her parents. We're both in our 30s, and may mga kapatid syang lalake at babae na pwede naman tulungan mga magulang nya yet sya pa ron nagbibigay. Paano naman mga needs namin?
6 years na kaming engaged. Kasal na hindi matuloy-tuloy dahil sa utang at unexpected expenses na pamilya nya rin ang may dulot. Lahat ng savings ko nilaan ko sa kanya. Ako nagbayad ng mga utang nya samantalang yung utang ko lumolobo na sa dami.
Gusto ko syang papiliin kung ako ba o parents nya. Kaso napakasama kong tao kung gagawin ko 'to. Mahal ko sya, pero this time parang gusto kong mas mahalin sarili ko. It's either tulungan nya ako sa gastusin or bumukod na lang sya at maghiwalay na kami tutal hindi naman nya maiwan parents nya kung paano nya isinumbat sa akin yung pagtulong ko sa parents ko, na ginawa ko naman.
Ang hirap ng buhay. Dami kong iniisip. Hindi ko alam kung kaya ko ba syang harapin at sabihing maghiwalay na lang kami. Hindi ko na alam paano ko pagkakasyahin yung pera ko, lalo ngayong may sakit ako na hindi ko masabi sa kanya kasi iniisip nya "gastos nanaman".

Asking for some opinion.
I have a Security Bank Classic since 2018 with a 115k credit limit. Earlier this year, I opened a Hexagon account with RCBC and was approved for the Hexagon Credit Card pero di ko pa siya narereceive because entrego 🙄
Now i just wanted to ask is it better to convert my SB Classic to Wave para sana NAFFL?
I’m not a heavy credit card user kaya parang sayang yung AF.
TIA 💕

I've been moved to UC from tax credits via managed migration. As I understood it, I should get at least the same on UC as I was getting on TC?
I've just completed my first assessment period and supplied my income from self employment. The payment section on my account has been updated, and I'm entitled to £0. Can this be right?
The payments breakdown is below. Sorry it's a bad formatting mess, I've tried to snip out irrelevant bits:

What you're entitled to

Standard allowance £393.45

Transitional protection £370.57
Total entitlement before deductions £764.02

What we take off (deductions)

Take-home pay minus‑ £855.97

Earnings from self-employment£643.53 Total earnings£643.53
Your expected earnings (Minimum Income Floor) is £1,556.30
The amount we'll use to work out your Universal Credit is £1,556.30
Your total take-home pay for this period is £1,556.30
Every £1.00 you earn in take-home pay reduces your Universal Credit by 55 pence.

Money, savings and investments minus‑ £174.00

Total deductions minus‑ £1,029.97
As I read it I'll never be entitled to anything? They've decided I'm earning £1556.30 even though I'm not, and this reduces any award by £855.97. So it's always going to be zero.

Honestly I don't want to but I do. He is a "stay at home dad" which I could respect. The problem is he complains my meetings interfere with his work on his car work or phone calls to friends (or sleep) because he has to watch our 2 year old.
I work from home and adapt as I can.
75% of the time he does cook dinner so I'll give him that. But he won't do dishes (even when I cook). I plan meals and buy food. No laundry, sweeping, baths, other work. Lord help if he has to get a kid on the bus. Or appointment.
I pay every bill.
He works sometimes and it goes to whatever he wants, only around $250-500/month lately. So I pick up his bills and credit card debt.
Now I've been buying car parts (not a family car) and have gotten hints of wanting a new truck.
Mother's day he slept in.
One of my daughters tried so hard to help me make a great breakfast and made a card (love her so much). I planned activities and bought take out then cleaned dishes after. He would not even eat breakfast because he's not a breakfast person and wouldn't sit with us.
I am fed up. Mad.
I want more for me and my four kids. And I'm expected to plan his birthday (nothing for mine last month other than what I planned) and Father's day too.
Honestly how can I work past these emotions? I want to but I am so angry lately. Sorry it's a rant.
(Irrelevant maybe bit he has previously cheated several times years ago and I do still hold a grudge).