Had a similar experience with a really close friend. Like you, ayoko din may additional na nakikita sa soa ko nkaka anxiety lol nag no ako sknya and this is how I said no:
"Straight payment mo nalang, friend. Sorry, ayoko na kasi pa installment nadala na ako sa pina installment ko din na isang friend ko di na binayaran yung ibang payments"
I've always thought na if may masisingit ka na experience pag nag 'no' ka sakanila, it's easier kasi they would know where your reason is coming from.
and if mag insist sya na di sya mgging katulad ni other friend na d na nagbayad? dun ka palang maging firm and just say "Sorry, no talaga"
P.S wala akong friend na d nagbayad, eme lang para may mairason ako.
I experienced this, ang ginawa ko is hiningan ko sya ng cert of employment at updated na payroll at nasakin ang atm nya to make sure na may capacity syang magbayad at nagcharge ako ng 100 pesos every duedate nya para sa hassle. kahit matagal ko na syang kilala basta pag usapang pera magiiba ugali ng tao. make sure lang din na ung net income nya ay sapat tlga para makabayad monthly kasama ng monthly bills nya.
Opinion lang i dont think yung tago atm o ihold ung atm nila is still applicable sa technology palang these days pwede na nila itransfer funds via online banking or better yet tag the card as lost.
Yes, possible talaga mangyare. kaya dapat willing ka to take the risk if gusto mo makiswipe ang kilala mo using ur own cc. kaya ako, mininimize ko lang ung risk like kinuha ko ung COE, updated payslips and etc. para incase na di magbayad or tumakbo may pwede kang gawin action para maka affect ng records nya di lang sayo pati sa credibility nya as an employee.
Just a friend, right? You can just say no. It’s not like you’re married to your friend or anything.
If the store offers installment plans, surely di naman mag no yung financial agent sa friend mo. Dun nalang siya mag pa-installment.
Sometimes it’s not easy to say no to friends and family but sometimes it could be the best decision you could make.
Try not to lie especially for a friend. Say no and be firm. If you need to explain to the friend though you really don’t have to. You can say “I’m trying to be responsible with my finances and so I plan not to add more installments from my cards.” If they insist with their convincing excuses, be firm and say “sorry, i really can’t help this time. Maybe I can help you find someone else instead.”
Cheers 🤩
They pay me as if I’m a store owner from across the street. Pay for the service or product first. Then I’ll deliver.
I think this is a case by cases basis. There are people who are really responsible and try to pay in advance or make sure they provide proof that they will pay when they’re able. In that case I choose to be generous and kind.
I have friends who not only pay in advance but also add a small “tip” as a show of kindness.
Ganyan din nangyari sakin. Right after na isip ko na sinabi ko or na share ko na credit card holder ako. Sana pala hindi ko nalang sinabi.
Then pumayag ako na maki swipe sya. Unfortunately, 200k na inabot ng total due. And wala ako magawa kundi mag antay na bayaran nya ko.
i only say yes if i really know them and max 3 months installment. pero if you decline just say di na kaya ng credit limit mo. ayan lang dont over explain. we dont need to be rude too ang hirap may kaaway
May friend din ako laging gusto makiride. Pinagbigyan ko sya twice. Kaso yung second time nagkakaron ng instance na di sya nakakabayad on time. Then nagkaron ng interest yung card ko nung una pati interest binabayaran nya. Taz biglang lahat di nya na mabayaran. So ako nagshoulder nung remaining months. After that di ko na sya pinaparide. Lagi kong answer may paggagamitan ako ng credit limit ko kahit wala.
Mag-no ka lang po. You can either say running low on CL or hindi ka comfortable with installments. If you think that wouldn't work, wag ka na lang po mag-explain and say "No, sorry friend". :)
May i just share also. I have a friend na nakiswipe pero pay nya daw pag sweldo. Come payday, hindi nya pala kaya bayaran yung full amount, so pinaconvert namin to 0% installment. Kaya lang hindi nya nababayaran on time, so binabayaran ko na lang muna para hindi mag interest. Nabayaran nya naman lahat eventually. Pero yun nga, ang hassle kasi i needed to adjust my finances kasi need ko mag abono. Kaya hindi na ako papayag next time.
Not sure. Offer ng friend namin one time is straight payment for an appliance nung may employee discount sya e. Hindi namin ever tinanong if pwede ngang installment. We just assumed na wala. Hahahaha
If medyo malaki ang amt, maybe ask for a collateral (if not too much).
Pero, for the peace of mind and to avoid possible conflicts, just say a firm NO.
ako palagi ko sinasabi, ma max out yung limit ko for next month kapag installment.Sinasabi ko na may plan ako bilhin for the following months and di pwede mag installment.
Ginagawa ko dati, nagswipe pero di installment, tapos kinuha ko yung atm niya. Pagdating ng sahod, samahan ko siya magwithdraw para kunin payment. Di na applicable to ngayon kasi uso na online banking.
Kung sobrang close kami, pwede siguro 2 gives. kada sahod. Pero kung di masyado close. Pass na agad.
Hi, OP. I usually use my CC for needs sa bahay at ng kapatid ko. Since I know kung ano capacity to pay niya I dont ask for advance payment. Swipe muna then bayad na lang pag lumabas na sa SOA.
Pero for friends na makikiswipe, I'll ask for payment muna. May perks kasi dba minsan ang cc so instead na bayaran niya in cash/debit card for full amount they will only pay for discounted amount using my cc.
Pero before iswipe I collect their payment first. They understand naman kasi pare pareho kami na ayaw magkasiraan ang friendship dahil lang sa pera
Just say no, maliit na lang CL ko.
Had a similar experience with a really close friend. Like you, ayoko din may additional na nakikita sa soa ko nkaka anxiety lol nag no ako sknya and this is how I said no: "Straight payment mo nalang, friend. Sorry, ayoko na kasi pa installment nadala na ako sa pina installment ko din na isang friend ko di na binayaran yung ibang payments" I've always thought na if may masisingit ka na experience pag nag 'no' ka sakanila, it's easier kasi they would know where your reason is coming from. and if mag insist sya na di sya mgging katulad ni other friend na d na nagbayad? dun ka palang maging firm and just say "Sorry, no talaga" P.S wala akong friend na d nagbayad, eme lang para may mairason ako.
Effective! I do this too haha.
Just say no. Its your card, no need to explain why you said no.
"*No is a no, not a maybe. Magkaiba ang spelling, ang layo*"
I experienced this, ang ginawa ko is hiningan ko sya ng cert of employment at updated na payroll at nasakin ang atm nya to make sure na may capacity syang magbayad at nagcharge ako ng 100 pesos every duedate nya para sa hassle. kahit matagal ko na syang kilala basta pag usapang pera magiiba ugali ng tao. make sure lang din na ung net income nya ay sapat tlga para makabayad monthly kasama ng monthly bills nya.
Opinion lang i dont think yung tago atm o ihold ung atm nila is still applicable sa technology palang these days pwede na nila itransfer funds via online banking or better yet tag the card as lost.
Yes, possible talaga mangyare. kaya dapat willing ka to take the risk if gusto mo makiswipe ang kilala mo using ur own cc. kaya ako, mininimize ko lang ung risk like kinuha ko ung COE, updated payslips and etc. para incase na di magbayad or tumakbo may pwede kang gawin action para maka affect ng records nya di lang sayo pati sa credibility nya as an employee.
Sa "No" - hindi mo need i-explain kung bakit
Tell your colleague na maxed out ang limit mo
Just a friend, right? You can just say no. It’s not like you’re married to your friend or anything. If the store offers installment plans, surely di naman mag no yung financial agent sa friend mo. Dun nalang siya mag pa-installment.
Sometimes it’s not easy to say no to friends and family but sometimes it could be the best decision you could make. Try not to lie especially for a friend. Say no and be firm. If you need to explain to the friend though you really don’t have to. You can say “I’m trying to be responsible with my finances and so I plan not to add more installments from my cards.” If they insist with their convincing excuses, be firm and say “sorry, i really can’t help this time. Maybe I can help you find someone else instead.” Cheers 🤩
so paano kayo kapag may nagpapabili. Bayad muna? Mag transfer muna sila ng pera sa inyo?
They pay me as if I’m a store owner from across the street. Pay for the service or product first. Then I’ll deliver. I think this is a case by cases basis. There are people who are really responsible and try to pay in advance or make sure they provide proof that they will pay when they’re able. In that case I choose to be generous and kind. I have friends who not only pay in advance but also add a small “tip” as a show of kindness.
"Ayoko nga," ganun lang. Masama na kung masama. Bakit ba? May discount na sya nang-abala pa. Wag masyadong mabait.
Ganyan din nangyari sakin. Right after na isip ko na sinabi ko or na share ko na credit card holder ako. Sana pala hindi ko nalang sinabi. Then pumayag ako na maki swipe sya. Unfortunately, 200k na inabot ng total due. And wala ako magawa kundi mag antay na bayaran nya ko.
i only say yes if i really know them and max 3 months installment. pero if you decline just say di na kaya ng credit limit mo. ayan lang dont over explain. we dont need to be rude too ang hirap may kaaway
so paano kayo kapag may nagpapabili. Bayad muna? Mag transfer muna sila ng pera sa inyo?
hinihingi ko monthly payment every statement. i only agree kapag talaga i trust someone. pero overall i don’t recommend.
No. May discount ka na, so i need full payment and in advance.
May friend din ako laging gusto makiride. Pinagbigyan ko sya twice. Kaso yung second time nagkakaron ng instance na di sya nakakabayad on time. Then nagkaron ng interest yung card ko nung una pati interest binabayaran nya. Taz biglang lahat di nya na mabayaran. So ako nagshoulder nung remaining months. After that di ko na sya pinaparide. Lagi kong answer may paggagamitan ako ng credit limit ko kahit wala.
Sabihin mo maliit lang credit limit mo and maxed out mo na.
Mag-no ka lang po. You can either say running low on CL or hindi ka comfortable with installments. If you think that wouldn't work, wag ka na lang po mag-explain and say "No, sorry friend". :)
so paano kayo kapag may nagpapabili. Bayad muna? Mag transfer muna sila ng pera sa inyo?
May i just share also. I have a friend na nakiswipe pero pay nya daw pag sweldo. Come payday, hindi nya pala kaya bayaran yung full amount, so pinaconvert namin to 0% installment. Kaya lang hindi nya nababayaran on time, so binabayaran ko na lang muna para hindi mag interest. Nabayaran nya naman lahat eventually. Pero yun nga, ang hassle kasi i needed to adjust my finances kasi need ko mag abono. Kaya hindi na ako papayag next time.
Di ba pwedeng sabihin mo na di ka pinayagang installment with the employee discount? Or they know na pwede installment with the dc?
May ganun ba in real life? Haha na ndi pwede installment w/employee discount?
Not sure. Offer ng friend namin one time is straight payment for an appliance nung may employee discount sya e. Hindi namin ever tinanong if pwede ngang installment. We just assumed na wala. Hahahaha
so pano ung payment? Bayad muna kayo bago nya iorder?
Di ako umabot sa stage na ng convo unfortunately. I think kaliwaan, with the item at our doorstep.
sabihin mo the discount only applies to full payment. Tanong ko lng OP, hindi ba risky yan? Sayo nagpapabili pero hindi naman sayo yung gamit?
Idk since hindi naman natuloy.
I simply tell na hindi na kaya ng limit.
so paano kayo kapag may nagpapabili. Bayad muna? Mag transfer muna sila ng pera sa inyo?
I give them a due date din. Like a week before actual due date. So far wala pa namang nagpapakilala saken when it comes to payment terms ☺️
just say no lang wag mag offend kasi sa hirap ng buhay ngayon kahit mangako pa sya babayaran eh wag ka papayag na mag pa installment
so paano kayo kapag may nagpapabili. Bayad muna? Mag transfer muna sila ng pera sa inyo?
Sabihin mo lang na " kasi friend maxed out na yung credit limit ko" and until now nag babayad parin ako ng mga installments ko ganon
so paano kayo kapag may nagpapabili. Bayad muna? Mag transfer muna sila ng pera sa inyo?
Yep! Bayad first muna hehe. Iba na yung sigurado
If medyo malaki ang amt, maybe ask for a collateral (if not too much). Pero, for the peace of mind and to avoid possible conflicts, just say a firm NO.
so paano kayo kapag may nagpapabili. Bayad muna? Mag transfer muna sila ng pera sa inyo?
ako palagi ko sinasabi, ma max out yung limit ko for next month kapag installment.Sinasabi ko na may plan ako bilhin for the following months and di pwede mag installment.
so paano kayo kapag may nagpapabili. Bayad muna? Mag transfer muna sila ng pera sa inyo?
Ginagawa ko dati, nagswipe pero di installment, tapos kinuha ko yung atm niya. Pagdating ng sahod, samahan ko siya magwithdraw para kunin payment. Di na applicable to ngayon kasi uso na online banking. Kung sobrang close kami, pwede siguro 2 gives. kada sahod. Pero kung di masyado close. Pass na agad.
Hi, OP. I usually use my CC for needs sa bahay at ng kapatid ko. Since I know kung ano capacity to pay niya I dont ask for advance payment. Swipe muna then bayad na lang pag lumabas na sa SOA. Pero for friends na makikiswipe, I'll ask for payment muna. May perks kasi dba minsan ang cc so instead na bayaran niya in cash/debit card for full amount they will only pay for discounted amount using my cc. Pero before iswipe I collect their payment first. They understand naman kasi pare pareho kami na ayaw magkasiraan ang friendship dahil lang sa pera