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[Jenayah]
Kereta jenama H ‘full spec’ dalam tangan, graduan gaji 5k tambah pula 2 kad kredit! Tahu-tahu hutang cecah RM20,000 sebulan
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Nak cari awek kena ada kereta H.  |
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meols tak guna CC utk beli barang online dan tak pnh beli barang from US website....kalu shopping online meols guna online transfer, takpun e-wallet grab jer...for services mcm hotel room reservation, and tour package ada guna cc..meols suspect one of the tour yg meols booking online...
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dia ada bgtau limit 6k je tiap kad,
masalahnya dia x pandai guna, bayar minimum mmg la hutang sampai jd 20K,
padahal limit 6k kalau gabung baru 12k ,
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credit tinggi la bagus, senang nak installment yg mahal2,
contoh la beli motor,kalau installment CC lebih jimat sbb xde bunga,kalau hutang kedai atau aeon mmg mencanak bunga dia
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hahaha....aiyo makmer punnn
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Kereta H kalau RM1200 I rasa heols beli City RS eHEV. Mungkin heols nak kereta jimat minyak. At least ada jimat dekat situ. Gitu I bekap budak ni |
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tak pernah ada cc...all the way COD...ada debit card utk manage gaji je...nowadays mostly kena cashless....semak jugak la aku rasa.... |
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copy_paste replied at 29-4-2024 08:59 AM
credit tinggi la bagus, senang nak installment yg mahal2,
contoh la beli motor,kalau installment C ...
Orang pandai guna, ada financial literacy pasal konsep riba, faham min payment, statement balance, outstanding balance, tahu credit card cycle mmg ok je pakai cc..
Mostly orang tak tahu.. kalo kita nak explain pun org tak faham.. so just to be safe kita tolong remind je kena hati2 |
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midori888 replied at 29-4-2024 08:31 AM
meols tak guna CC utk beli barang online dan tak pnh beli barang from US website....kalu shopping ...
Oh yaaa.. yang jenis booking online tuu... ada la tu company tak jujur... kurang ajar betul... |
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only one word...B.O.D.O.H |
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masa wa 30 an ada kredit kad , auto deduct astro, tp lama2 naik juga , astro bile rm120, bayar rm 50 je hahaha mmg lama2 jadi bukit la.. skrg wa cuba sedaya upaya habiskan utang CC< kalo pakai, lagi pn skrg dah ada debit card kan? nak pakai deduct terus, zaman aku dulu zaman kredit kad, pakai dulu, bayar kemudian , smpai bil bayar minimum shj wakkak mmg lama2 hutang bertambah la,
tp member wa cakap kredit kad aeon antara yg paling zolim, ntah la, wa pernah apply dpt kit kat, dan hot wheels, 2-3 bulan terus terminate,
skrg wa malas nak apply, sebab nnti no fon kita akan ada dlm system outsoure kredit kad tu, kalo nak pergi bank je apply...tp selalunya bank bagi sendiri ...haha
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Ye awak.. iols beli suv gores cc je..huhu . Limit ada advantage tp yang penting disiplin
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dulu meols pnh guna viator, few times jugak book kat situ...ada skali tu, dpt e-mail from them, yg their server kena hack...terus meols stop booking tour dari situ...
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_blackbird replied at 27-4-2024 11:15 PM
Company apa yg offer 5k ni. Market tempat aku freshie 3k-3.5k saja la average
Ada inst yg kutip duit pekwrja private utk simpanan hari tus offer fresh graduate rm5600. |
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agreed...kdg2 kita nak byr big amount, puluh2 ribu pun rasa lebih safe guna CC dari kita buat direct transfer to the company account....
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kalau yg x faham tu xyah la pakai,mudarat je nt,
yg reti guna tu mmg bebetul fungsi
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Anak i kerja, first gaji maybank offer buat loan utk ASB. Akrg ni tiap2 bln bayar RM250 utk tu. Yg lain semua bersih...kereta guna kereta I yg i tak guna. Lega dia lenggang kangkung enjoy gaji tiap2 bulan. CC dia plan nak ambik tp i takut2 kan dia dgn cerita orang berhutang.Kihkihkih...anak ikut cakap ya kalau kita bagi depa duit bulan2 waktu belajar |
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yerr,dari bayar amaun besar lebih baik ansuran,duit yg ada tu boleh guna utk pelaburan
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bukan Petronas staff kemain canang 1 dunia yg fresh grad dorg around 4.5-5k starting salary?
anyway, 5k gaji die tu base pay or dah campor2 allowance itu ini? |
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tak paham la. apa tu, cuba explain dengan lebih jelas. inst tu apa. instatitue ke instagram. kutip duit pekerja private utk simpanan? maksudnya apa ni
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Post time 29-4-2024 07:22 AM
