Jun 10 2013, 07:46 PM
QUOTE(Unseen83 @ Jun 9 2013, 09:41 PM)
Hi Greeting,
4 year ago i apply credit cards and cimb give me credit cards but name under direct@access Platinum... with limit 20K, my question is i never reach the credit limit... and always pay monthly 1K-1.5K monthly... but all time using the credit i never manage to finish pay the remaining balance of my cards... now i use upto 70% of 20k balance... i feel stuck and living of credit...
felt like prison, what i don't understand why/how cimb approve me the cards in the first place... ? and yes i am active on use of the cards and also pay monthly more then minimum every month..
but is been near 2 year my balance seem stuck... feel like prison...
x
any tips... if you exp it also how you ? do it...
now ur blaming cimb for giving u a very high limit, when u should be blaming urself for not having self control.4 year ago i apply credit cards and cimb give me credit cards but name under direct@access Platinum... with limit 20K, my question is i never reach the credit limit... and always pay monthly 1K-1.5K monthly... but all time using the credit i never manage to finish pay the remaining balance of my cards... now i use upto 70% of 20k balance... i feel stuck and living of credit...
felt like prison, what i don't understand why/how cimb approve me the cards in the first place... ? and yes i am active on use of the cards and also pay monthly more then minimum every month.. but is been near 2 year my balance seem stuck... feel like prison... x
any tips... if you exp it also how you ? do it...
we all know the answer to ur dilemma, do u still need us to voice it up to you?
1.increase monthly payment
2. reduce spending
3. self control and money management
4. akpk
5. negotiate with bank for more affordable interest rate
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