Relative asking to use my credit card

[Kawarides]

The best way is to tell her nicely that you are not convinced by the product and not becos of her.....until she can find a better cure suggest to her that is best that she keep her money first.

[Dragos]

nope bro, it is less the entire amount

[Damienic]

Hi all,

 

 

I have this close relative (sis-in-law) suddenly call us and wanted us to help her on a product purchase.

 

Their family is not very well off, got three teenage kids and both parents are from the low income group.

 

She's been visiting this thermal massage bed shop in the east to "treat" her back problem.

She claimed they having a promo till end Oct, each bed costing about $4500!!! with credit card can pay instalment for two years.

She wants to use our credit card for the instalments and she will pay us monthly.

 

I was thinking, they need to feed their family (school fees, daily expenses) and that should be the priority, right?

 

If we reject her, things may turn ugly.

 

If don't reject, we might "harm" them further or we fear we may ended up paying the instalment ourselves. (she still owns us a few thousands since 2007!!! in fact she own other siblings $$$ too, mostly 4 digits)

 

any bro heard of this massage bed call Ceragem?? is it that good?

 

any good advice to "educate" them?

 

heizzzz, this are one of those situation, sigh....

 

This bed is really good...my parents used to visit the shop and used it for free trials over a few months and can feel the benefits...eventually we bought it on instalment..

 

However, the issue is not whether this bed is good or not...is whether they deserve your help or not..some people just chow kuan and want to take advantage of others...you should think it over carefully whether to help for this instance or not...it has potential to become a bottomless pit..

 

[Babyt]

bed is bed...is there a miracle bed that can heal backache?

 

we have foam, water, feather material beds...whats make the other one so special?

 

sounds like MLM products. ask them if they sell jade bed which xiao long nu slept on to maintain her youth.

[Nicholasl]

if u got the spare money and care alot about the "family ties" then lend without expecting she to return u.

 

if u dun wanna lend But not prepared to flip table with her just cook up some excuse to shoo her off, maxed out card la, wallet lost la, u ownself owe ppl money la.

 

if u dun wanna lend && prepared to flip table with her then go and demand your loans to her back first.

 

this is one of the most ma fun things ever...Money and family relationships binded together.

 

 

Good one.

 

 

If I were in the situation, I would say "Wah lao eh, owe so much $$ still wan buy luxury goods ar? I only sleep on $500 mattress le, u wan buy a $4.5k one? Not steady le sister.."

[TanHuathuat]

bed is bed...is there a miracle bed that can heal backache?

 

we have foam, water, feather material beds...whats make the other one so special?

 

sounds like MLM products. ask them if they sell jade bed which xiao long nu slept on to maintain her youth.

 

No wonder not well to do.. believe in such gimmicks.. cham!

[Boi2uncle]

perhaps you can also remind her about the few thousands outstanding since 2007? she may run away instead of asking you for this additional 4.5k

[Verve]

i am surprised at your lack of eq and maturity - your articles look questionable now

 

thing is

 

she has a bad back which is hurting

prepared to pay for it herself thru installment

imagine being poor and having to do the back breaking housework

 

if ts has no means then explain to relative

 

if not then its up to ts

 

its not about steady or not.

[Starian]

serious? i though the monthly credit limit is based on Limit minus the monthly instalments...

 

Nope, else you can sign many installment plans, and this become a loophole.

 

So think thru many times, even if you feel the product is worth buying.

 

Hope you get thru this hurdle.

[TanHuathuat]

i am surprised at your lack of eq and maturity - your articles look questionable now

 

thing is

 

she has a bad back which is hurting

prepared to pay for it herself thru installment

imagine being poor and having to do the back breaking housework

 

if ts has no means then explain to relative

 

if not then its up to ts

 

its not about steady or not.

 

 

I think it's not about steady but steady poon pipi

[Damienic]

bed is bed...is there a miracle bed that can heal backache?

 

we have foam, water, feather material beds...whats make the other one so special?

 

sounds like MLM products. ask them if they sell jade bed which xiao long nu slept on to maintain her youth.

 

it is not MLM product..they have 3 branches for retailing of the beds and head office is at King Centre Havelock Road...

 

whether special or not I dun wanna comment too much..all I can say is just hear it from those you know well and who have genuinely tried the bed before for long time trials..

[Nicholasl]

i am surprised at your lack of eq and maturity - your articles look questionable now

 

thing is

 

she has a bad back which is hurting

prepared to pay for it herself thru installment

imagine being poor and having to do the back breaking housework

 

if ts has no means then explain to relative

 

if not then its up to ts

 

its not about steady or not.

 

 

If the SIL have the means to pay the installment by herself. How about the money owed to the rest of the siblings which incur to a few thousands as well.

 

Got money cannot return first? Must keep on borrowing to buy more luxury? And its not even proven that the bed cures the back.

 

Does it mean that TS should just write off the few thousands that she borrowed?

 

[Nicholasl]

Nope, else you can sign many installment plans, and this become a loophole.

 

So think thru many times, even if you feel the product is worth buying.

 

Hope you get thru this hurdle.

 

 

I think its based on limits minus monthly...

 

When u buy an item and uses the installment plan, the money is not deducted in full rather its deducted by the monthly installment price.

 

 

[WTF]

I think its based on limits minus monthly...

 

When u buy an item and uses the installment plan, the money is not deducted in full rather its deducted by the monthly installment price.

It's your limit minus the full amt. I just cleared mine start of this year when my friend needs to make a big purchase on the last day of a promotion for the credit card.

 

When I called the bank enquiring about the drop in limit, they told me it's due to the outstanding installment. Every month you pay up 1 installment, your credit limit goes up by the same amt.

[Takumi21]

Better dun lend the money.

 

Very often, lending money to people is easy. however when getting back the money is like begging them.

[Kohler]

Since your relative still own u and your other relatives money . I think it make sense not to lend the money to her. Ask her to loan from GE money leader.

[Porche]

its easy to borrow them $$$, but to get back from them its like hell....machiam from creditor become debtors, begging them to return $$$

[Kyojin]

just politely say you've checked your credit card bills and you are reaching your approved limit... that way, you don't offend anyone. this will come at the expense of other family members thinking you live on credit - i know some people/families use this as a gossip topic.

 

Hi all,

 

 

I have this close relative (sis-in-law) suddenly call us and wanted us to help her on a product purchase.

 

Their family is not very well off, got three teenage kids and both parents are from the low income group.

 

She's been visiting this thermal massage bed shop in the east to "treat" her back problem.

She claimed they having a promo till end Oct, each bed costing about $4500!!! with credit card can pay instalment for two years.

She wants to use our credit card for the instalments and she will pay us monthly.

 

I was thinking, they need to feed their family (school fees, daily expenses) and that should be the priority, right?

 

If we reject her, things may turn ugly.

 

If don't reject, we might "harm" them further or we fear we may ended up paying the instalment ourselves. (she still owns us a few thousands since 2007!!! in fact she own other siblings $$$ too, mostly 4 digits)

 

any bro heard of this massage bed call Ceragem?? is it that good?

 

any good advice to "educate" them?

 

heizzzz, this are one of those situation, sigh....