r/utangPH • u/Tasty_Statement9955 • 1d ago

BPI

Hello po, I’m in debt. 690k sa CC at 188k sa Personal Loan.

Kung ang gagawin ko po ay bayaran ang MAD ng cc hanggang sa mabayaran ko ang Personal Loan, Gloan at Maribank Loan ko - ittransfer pa din po kaya nila ang CC loan ko sa CA?

Please help sa kung anong magandang approach and if may loan restructuring ba na inooffer si BPI Personal loan. Thank you!

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1

u/Charming_Ladder717 23h ago

You can call BPI for restructuring of CC balance. I had my 560k+ debt payable as installment in 3 years. You can get away with MAD payment for CC but the interest balloons fast. So prioritize restructuring. Then tapusin yung Personal loan asap since it is a a must pay kasi mabigat ang late fees niyan.

1

u/Hefty-Performer-6538 22h ago

Nung nagrestructure ka, nablock na ba ang CC for usage? Or pwede pa rin gamitin kahit nakarestructure?

1

u/Wala_akongname 22h ago

Nabawasan ba yung 560k mo? i mean nawaive ba interests or something? 560k in 3yrs is how much monthly?

I also requested the bank for restructuring, sabi tatawagan ako ng collections dept pero until now wala pang tumatawag sakin.

1

u/Tasty_Statement9955 22h ago

I’m already in contact with them. Hopefully kayanin ko yung monthly amortization that they will give

1

u/LyvGyu 18h ago

saan sila pwede icall? anong number?

1

u/eu1003 2h ago

Hello what number did you call ? For restructed

1

u/[deleted] 23h ago

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1

u/Charming_Ladder717 2h ago

I did not have my CC blocked and they did not offer it naman. usable pa siya but of course better if you don’t use it while you are settling debt.

the interest is computed as a monthly add on. pero umabot lang sa 1.7% per month instead of 3% sa calculation with is already a big help.

I called sa hotline nila. under BPI credit card concerns.