Helloo po,
Need advice lang please. I have a 250k debt in credit cards UB/BDO due to hospital and medical bills. I want to pay my debts but hindi ko alam ano mas magandang diskarte. Hayaan ko ba muna na magtagal ung credit para babaan ng bank ung kailangan kong bayaran? O mas okay ba na kausapin ko na si bank now if may maiooffer sila sa akin? Puro minimum na lang kasi nababayaran ko lately na sa interest lang din pumapasok sa sobrang laki kaya sayang. I heard kasi na kapag tumatagal ung debt na di nababayaran naoofferan ng mas mababang payment tama ba? And I still want to keep my cards for emergency purposes again will I still be able to do that? Kahit mag ask ako ng installment? Or icucut na din nila ung credit ko?
Sensya na no idea. Thank you so much in advance!