u/BigCauliflower3347

Hi everyone, hingi lang sana ako advice.

I currently have an EastWest credit card balance na around 500k (nagstart siya from cash installment). Ngayon, nahihirapan na ako i-maintain yung monthly payments due to financial changes.

Ask ko lang sana:

• Mas okay ba na mag-email agad sa bank to request restructuring/reconstruct program kahit hindi pa overdue?

• Or may naka-experience ba na hinintay muna maging overdue bago mas mabigyan ng better offer?

• Kumusta yung naging terms niyo (monthly, interest, etc.)?

Gusto ko sana ma-handle ito properly and hindi takbuhan yung obligation, pero gusto ko rin maging realistic sa kaya kong bayaran.

Any insights or experience would really help. Thank you!