Hello @Asean Hive Community, i hope everyone is doing great. Have a Bless Saturday to all you. We must be thankful to our Creater that for giving us each day full of hope, enthusiasm and blessings!
Today, I have something to share with you my experienced about my credit card. I write this for the awareness and lesson of everybody based on my own experienced.
When I was in worked, my co-worker helped me to got my credit card because she said that it can help in times of emergency. Although I have the card but i seldom to use or swipe it for my purchases because I'm afraid of debt. Sometimes I use but in the following month i pay it fully. There comes the time that I stop working so i did not use it anymore.
There are time that because of lack of finances I use it to swipe for milk and diaper of my third child. I'm confident during that time because I have a Dropshipping Business during that time and my earnings are so good it can pay my card and even support my family. I did not use my card for my personal but only use it for my baby. The flow of my transaction was very smooth and I have a good income. The company is so good. My problem starts when COVID start to spread. Deliveries are affected due to bounderies to bounderies rules. And aside orders are affected because my customer priority their needs first and set aside their wants. My products are beauty products, glutathione, vitamins,slimming and food supplements. This are not essential products so customers would not prefer to buy only those who are body and health conscious.And during covid time they prefer to buy basic necessity for survival so my business really affected. I don't have imcome anymore on my dropshipping business. And problem was I swipe my credit card for milk and diaper for my baby. The following month was my duedate and I did not pay because I have no enough money.That the start of the problem because I already swipe for my purchases of milk and diapers for my baby for the amount of Four Thousand Pesos plus I can't afford to pay anymore. There are times that I can pay the minimum amount requirement if I have extra money. But there are months that I did not pay due to lack of money.
Bank always follow up me for the payment and I made promised to pay for the next week. I pay but not the full amount. And times goes by the amount rise up and it makes me not able to pay it anymore. I can pay but just small amount so the capital and interest will interest also. And it makes worst when I was get pregnant and I diagnosed (Hyperthyroidism). I'm not able to pay even a small amount because i was sicked, i have my maintenance to take and hospital expenses.So the bank forced me to pay it but I have nothing to do but tell them about my situation but as we know that business is business, they will not consider any reasons so they forward it to an Attorney to handle it. This is my big problem today because they will issue me warrant of I will not pay the full amount. And the shocked things was it's a big amount of money, it reached one hundred thousand pesos, imagine I just swipe four thousand pesos. But I asked the handling attorney if he can lower down the amount but what he can waived is the Attorneys Fee and handling fee and lower down to Twenty Eight Thousand. It still a big amount for me and i did even know where I can get that money.
It really a big trials for me in my difficult times. I cried so hard, I call my sister and tell my problem and I have nothing to do but to pawn my partial portion of my lot to her to solve my problem. That's my only solution fory problem because I know my husband will not helped. That's the reason also that the amount rised up because he did not helped but instead I'm the one that helped him for the family expenses. Even that I just home but I worked hard to earn money not to pay my credit card but to helped him. His income is not enough fornthe family. I'm even the one who wiĺ pay for our electic bill, water bill and internet,support my children at school. He just contented with his income evwn though he knows it wasn't enough to support his family. I always told him to find some extra generating because in this time salary is not enough we should find sidelines to earned extra money. He is irresponsible even this difficult time of me now. He did not helped me. I don't know if I can still survived with this trials. I suffered so much and no one helped me. That's the reason why I got sicked because I was emotionally, physically and mentally stressed. The reason also why I used my card for the milk and diaper for my baby before because he did niy support me for the needs of the baby.
Maybe others see that I'm happy outside but they don't know how much I suffered, how many times I cry. And even find any extra works inline just to earn to support my family. How I wish to have a supportive and responsible husband but I'm not lucky of that. He is selfished and did not care his family.
Imagine the amount??? If he just helped to support his children maybe I already paid that card already. Im not selfished all I do was for the sake of my children.
My appearance really tell how stressed I am. Many asked me why but they don't know my journey, i just only say that because i have a baby but the truth was i was so stressed emotionally, physically and mentally. Many of my friends who knows me before got shocked when they saw me, they can't believe of what happened to me.
I was to thankful to my sister that she let me lend money in return of my partial lot. It's been hard for me because that lot was my heir from my father, but I will struve hard to pay my sister to get back my lot.
To make story short-cut i pay the Php 28,000.00 pesos for the full payment of my credit card. This is a big lesson for me that I should not do it again coz I'm the one will suffer it. And even my husband will not helped. And a lesson also that we should not take for granted like this problem time comes that they really forced to pay it and even put on jail for just Php 4,000.00 plus amount.
After i pay in the bank we eat at mang inasal how many days i did not eat so well because of the problem. And go home after....
Untill here....i hope everyone will enjoy reading and got some lessons out of my experienced...
Until next time!!!
Aileen Edpalina Tadulan
The Author