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Author: abgzan

TIPS penggunaan Credit Card

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Post time 5-1-2007 07:32 PM | Show all posts
PEngalaman saya guna CC citibank.. UTang RM4k.
Dah tak mampubyr.. tangguh la lama.. Byrpun RM100-200 je sebulan.
At last bank call.. Kata nak settlekan cpt kes ni.. Sbb dah lama tangguh.
So dia bagi la waive interest.. Utang RM4k jadik RM3k.. Saya byr la 5kali installment.. Pastu abis la. Untung RM1000 + :ting:
Now maintain dgn HLBB jer.. Ada gak offer MBB CC tapi buat masa ni tak menjadi keperluan lagi. 1 kad pun cukup. CL pun tinggi bila pymt cantik.
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nurr_wilma This user has been deleted
Post time 5-1-2007 08:13 PM | Show all posts
teringinnya nak guna CC... :lol
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Jump_juniper88 This user has been deleted
Post time 6-1-2007 02:23 AM | Show all posts
Credit card is must for today world especially online purchase and booking.
I'm using citibank for travel and Maybank for both local and overseas..The good about
citibank  extra service given and they more confident when you pay
with citibank world recognize lah.There aslo discount offer for dining restaurant..
I never pay annual fee for both bank since both bank gave me  5years free..

Treat credit card as ur $ don't anyhow spend if you can't pay ...
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Post time 6-1-2007 07:30 AM | Show all posts
Originally posted by abgzan at 5-1-2007 12:01 PM
Kalau kita sbg pengguna pandai manipulatekan credit card, kita dpt advantage...kalau tak pandai, kita dimanipulasi

just my 6cents

wslm


yg ni aku setuju, instead of CC issuer yg untung, kita boleh ambil advantage dia cam 30 days free interest n konsep points tu..
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Post time 6-1-2007 10:49 AM | Show all posts

Reply #44 mat403's post

aku setuju gak n convenience, most utilities bill etc leh wat auto pay.. xyah susah2 buang masa n petrol nak beratur bayar bill... point maybank cc aku dah lebih sejuta... kalau nak cepat dpt point, apply maybank amex, point 2x all the time.. kengkadang 5x bila ada promo...
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Post time 6-1-2007 05:39 PM | Show all posts
banyaknyer point kau andak...
kalau sejuta tu... aper hadiah boleh tukar tu...
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Post time 6-1-2007 08:21 PM | Show all posts
Nak guna credit card boleh, tapi make sure bayar full amount bila due ... jgn bayar minimum amount...sampai bila nak habis, dahlah interest tinggi.
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Post time 7-1-2007 05:00 PM | Show all posts

Reply #46 mat403's post

Mcm2... mengikut kiraan aku, every maybank cc point = rm .006 ... lagi satu, mana2 bank yg charge renewal fee, call dia orang minta waive fee tu... kalau xcall meme xdapat... lama dah aku xbayar annual fee ni wpun maybank xde kasi free annual fee cam bank lain


...
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 Author| Post time 10-1-2007 02:24 PM | Show all posts
Ramai org kata JANGAN GUNA CREDIT CARD, atau, CREDIT CARD TAK BAGUS....betul ke? Mari kita bincangkan...

Ok, let me ask you....Baguskah pisau? Baguskah api?
Segelintir insan akan menjawab, pisau tak bagus, sbb, nanti org bunuh org dgn guna pisau...api tak bagus, sbb nanti rumah terbakar....

Tapi org yg bijak akan cakap, pisau mempunyai pelbagai kegunaan dlm harian kita....api juga sama....

Jadi saya nasihatkan, kaitkanlah perumpamaan di atas dgn penggunaan credit card...anda akan dpt jawapannya Sesungguhnya, dengan kajian yg jitu, kita dpt memanfaatkan kegunaan credit card, justeru, mengelakkan disadvantage dlm penggunaan crdt card...

Good Luck...wslm
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 Author| Post time 10-1-2007 02:26 PM | Show all posts
ada sesiapa yg still tak setuju, dan kata CARD CREDIT TAK BAGUS? Perjelaskan fakta anda

[ Last edited by  abgzan at 10-1-2007 02:28 PM ]
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Post time 10-1-2007 09:15 PM | Show all posts
aku setuju..
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Post time 11-1-2007 06:22 AM | Show all posts
aku tak setuju beri CC pada orang yang tak pandai kawal nafsu.
tahukah anda majority orang yang muflis di malaysia adalah kerana credit card..
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Post time 11-1-2007 06:23 AM | Show all posts
jangan bayar minimum payment jea setiap bulan kerana anda telah mengkayakan lagi bank-bank yaNG DAH sedia kaya..
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Post time 11-1-2007 06:24 AM | Show all posts
tahukah anda yang interest CC adalah 15% - 18% setahun dan dikira sebagai daily interest. Masa ni bank adalah along versi halal.

[ Last edited by  mat403 at 11-1-2007 06:26 AM ]
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Post time 11-1-2007 06:25 AM | Show all posts
Credit limit utk setiap CC yang kita ade akan masuk dalam CCRIS .. ianya dikira sebagai liability kita..
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Post time 11-1-2007 09:25 AM | Show all posts
CC ni kalau tahu guna bersama dgn OD memang menguntungkan
CC ada kebaikan kalau tahu caranya..
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Post time 11-1-2007 10:47 AM | Show all posts
Originally posted by R2D2 at 11-1-2007 09:25 AM
CC ni kalau tahu guna bersama dgn OD memang menguntungkan
CC ada kebaikan kalau tahu caranya..


boleh bagi contoh tak bro..
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Post time 21-1-2007 01:10 AM | Show all posts
Aku kali nih dah masuk 10 kali apply credit card dari 5-6 bank berlainan. Sumernya tak approve! :geram:
Nak kata tak layak, sumer requirement yg bank tetapkan aku lepas, tapi pelik naper takde satu bank pun yang sudi kasi aku kad hutang kat aku.:hmm:

Aku sebelum nih, (lebih kurang 3 tahun lepas) ader masalah ngan loan keter. Tak serve loan tuh selama 6 bulan. Tapi sekarang Alhamdulillah, payment dah cantik. So adakah menda tuh yg menjadi penyebab bank takut nak offer kat aku credit card derang. Walaupun sekarang dah lebih 2 tahun payment aku ngan loan keter dah okay.

Sesapa boleh figure out why bank tak nak approve akunyer application sampai sekarang.

Sorry kalau salah bod.

[ Last edited by  quedac1 at 22-1-2007 01:45 AM ]
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 Author| Post time 22-1-2007 01:54 PM | Show all posts
Kalau dah u kata "ALL" requirements yg bank tetapkan hang lepas, pelik gak, camana leh tak approved.

Boleh senaraikan segala masalah yg anda pernah alami dgn bank berkaitan dgn loan ke, etc.
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Post time 22-1-2007 03:58 PM | Show all posts
senaraikan dulu semua jenis hutang yg ko ambik
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