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Question lang mga boss

Question lang mga boss, nagkaron ako ng offer kay maya credit worth 3k last october 2023. To cut it short, Yung due date ko na nilagay is every 2nd of the month. So everything is good and never ako ngkaron ng missed payments from the first month of payment till december. Then itong january 2nd, hindi ako nakapagbayad bukod sa consumed ko lahat yung total of 3k, wala rin akong naibayad for full payment since pa nung mag due date sya ng jan 2, 2024. But between january 2 to 27, may lima ata or anim akong ginawang small and partial amount of payments na umabot ng almost 900 pesos. So i've been doing it kahit overdue sya just to let them know that even ive missed my monthly payment, ginagawa kong magbayad ng partially kahit alam kong it wont do any good. But initially, the reason why i did small amount of payments during the time it was in over due, is para pg dumating yung pambayad ko in full atleast nabawasan ko kahit papano yung 3k credit plus penalties and interests na nagoccur simula nung jan 2 onwards. Then on feb 1, 2024, i was able to make the payment. Dahil sa partial payments n nagawa ko, yung ₱3,300 overall payments is naging ₱2,200 yung total balance na sinettle ko. So, it shows that i have made it settled bago mag feb 2, kasi kung feb 2 ko pa nabayaran, lalabas is 2 monthly payments nakong unsettled.. ngayon after all the hardship na ginawa kong pagaabiso s email for reasins kung bakit ako di nakabayad at after kong ipakita somehow na kahit wala akong pang full payment eh nagagawa kong magbayad partially then after ko magawang bayaran in total before the next due date, lahat eh parang napunta lang sa wala ang binayaran ko. I was expecting that after i made that total payment on feb 1, 2024 , marerefresh si maya credit ko like it normally does once payments has been settled, but it didnt happen. My maya credit has been refreshed and the ₱3k credit has been displayed again sa acct ko pero when i try take out any amount from that ₱3k available, it is not going tru and i am being notified that i wont be able to use the credit because my maya credit was put on hold and get locked temporarily and it says that my account was being reviewed. Obviously, it gets locked out due to the overdue and late payments ive done but from what payments, efforts, dedications i have showed in not letting the account reoccur another missed payments, inilock nlng agad nila acct ko ng ganun lang?? As in from the moment my paymemt was done, hindi ko na maaccess ung 3k na available credit ko. So kung alam ko lang di nako nheffort magbayad partially at hindi narin sana ako ngbayad ng full kung after ko palang gawin yun eh himdi ko mapapakinabanagan ang binayaran ko.. i was worried if when do this review process last. Kasi alamost a month na nakalock ang maya credit ko even nakikita ko nman sa acct ko na available n ulit ang 3k ko but wasnt able to be transferred and uzed due to my acct is being reviewed.. so if ever pala pde ring nagbayad lang ako, then di na nila ioopen yun dahil lang sa isang beses kong hindi nabayaran?? Unfair

Date of experience: Feb 01, 2024