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Author: tora

►ALL ABOUT CREDIT CARD!◄

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Post time 22-12-2008 10:36 PM | Show all posts
VISA & mastercard ade beza ke???

aku dapat 2 ketul 1 visa, 1 mastercard....takkan nak pakai 2-2 kot
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Post time 23-12-2008 08:46 AM | Show all posts

Reply #2001 ecomoda012's post

Xder beza sgt....kedua2 diterima dn meluas diseluruh dunia....even kat malaysia ni..kedua2 kad mmg widely accepted...mana2 kedai besar biasanya terima kedua2 kad ni...berbeza dgn caj kad cam American Express atau Diners Club ....
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Post time 23-12-2008 08:51 AM | Show all posts

Reply #2000 wineps's post

mebenk al ikhwan pun ok gak kot
aritu depa call offer 0.375%pm utk 24 months..

6 months Plan  - 0.5% per month   - RM1,000
9 months Plan  - 0.75% per month  - RM1,000
12 months Plan - 1.0% per month   - RM1,000
24 months Plan - 0.375% per month - RM2,000
36 months Plan - 0.413% per month - RM2,000

source: http://www.creditcard2u.net/arti ... -ikhwan-card-launch

Alliance Bank lak..
http://www.alliancebank.com.my/c ... programme_more.html
(tp aku x call check lg..(KENA CHECK!!) sbb kwn aku nak wat personal loan, dlm website kata rate 9.99%flat, ada 2 tier repayment scheme etc
pastu bila nak antar form kata promotion tu da tamat sejak 1st december
WTF?now da nak abis december tp x updet2 lg website?

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Post time 23-12-2008 11:20 AM | Show all posts
Originally posted by tulip.purple at 23-12-2008 08:51 AM

mebenk al ikhwan pun ok gak kot
aritu depa call offer 0.375%pm utk 24 months..

6 months Plan  - 0.5% per month   - RM1,000 =
9 months Plan  - 0.75% per month  - RM1,000
12 months Plan - 1.0% per month   - RM1,000
24 months Plan - 0.375% per month - RM2,000
36 months Plan - 0.413% per month - RM2,000

source: http://www.creditcard2u.net/arti ... -ikhwan-card-launch

Alliance Bank lak..
http://www.alliancebank.com.my/c ... programme_more.html
(tp aku x call check lg..(KENA CHECK!!) sbb kwn aku nak wat personal [color=#ff00 ! important]loan
, dlm website kata rate 9.99%flat, ada 2 tier repayment scheme etc
pastu bila nak antar form kata promotion tu da tamat sejak 1st december
WTF?now da nak abis december tp x updet2 lg website?


nie info mebenk(senang sket nak paham):-

6 months Plan: 6% p.a. or 0.5% p.m. for the first 6 months for minimum transfer amount of RM1,000.00.
9 months Plan: 9% p.a. or 0.75% p.m. for the first 9 months for minimum transfer amount of RM1,000.00.
12 months Plan: 12% p.a. or 1.0% p.m. for the first 12 months for minimum transfer amount of RM1,000.00.
24 months Plan: 4.5% p.a. or 0.375% p.m. for 24 months for minimum transfer amount of RM2,000.00.
36 months Plan: 4.95% p.a. or 0.413% p.m. for 36 months for minimum transfer amount of RM2,000.00

untuk 12 bulan PB is da best.....
kalo 12 bulan ke atas amik mebenk.....

kalo nak wat PL SiTiBenk yang paling senang....n rate dia 7.6%....bleh tahan laaaaa

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Post time 23-12-2008 11:36 AM | Show all posts

Reply #2004 wineps's post

akan tetapi kalu nak wat PL ngan cik CT, kena ada CC dia kan
pahtu tolak CL..
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Post time 23-12-2008 12:19 PM | Show all posts
Originally posted by tulip.purple at 23-12-2008 11:36 AM
akan tetapi kalu nak wat PL ngan cik CT, kena ada CC dia kan
pahtu tolak CL..


x la.....kalo ada kad kedit lagi murah sket dia kasik.....kalo x der 7.6%....aku dulu penah try....CS tanya ada kad kedit x....aku cakap tarak......
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Post time 23-12-2008 12:24 PM | Show all posts
Originally posted by wineps at 23-12-2008 11:20 AM


untuk 12 bulan PB is da best.....
kalo 12 bulan ke atas amik mebenk.....


aku tarik balik maklumat aku....salah tengok...memang x bleh lawan PB...coz PB charged one time fee....mebenk nampak murah tapi P.A....so kesalahan tidak disengajakan.....
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Post time 24-12-2008 10:08 PM | Show all posts
Originally posted by tulip.purple at 23-12-2008 11:36 AM
akan tetapi kalu nak wat PL ngan cik CT, kena ada CC dia kan
pahtu tolak CL..


rasanya ada atau tidak guna c/card citib. tu tak ada kena mengena kot...
Ne aku shyer story sikit.....aku ada col bulan lps tanya
syarat pertama gaji over 2K.
Kalau tiada, guna jln kedua iaitu kena ada acct. housing loan over 100K dgn BANK LAIN.
dan jika tiada jln ketiga, mempunyai credit card BANK LAIN yg limitnya over 8K.
so brape limit yg ada, itu yg dia akan kasi.

So yg buat aku terasa apa special aku jadi customer dia :@
coz syarat ke dua tu
housing loan aku dgn citiB .over 150K!
dan C/card Gold CitiB aku pun over10K.
tapi dia kata Maaf la, kita nak ygk rekod cik dgn bank lain bukan dlm rekod bank kita.!
Aku jwpla balik aku ne nak jimatkan masa bila setempat nak membayarnya kan dah
jimatkan petrol dan time....ingat bila setempat ne lagi mudah la tak payah nak submit dokumen bagai
tapi tak dipandang pun

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Post time 24-12-2008 10:19 PM | Show all posts
medang, kalau ko jadi aku ko angin tak?
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Post time 25-12-2008 02:10 PM | Show all posts

Reply #2009 anieszack's post

Konpem berangin aku wehhhhhhhh......kita ni ibarat loyal customer ...tp mende2 camtu x diendahkan...:@
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Post time 25-12-2008 07:07 PM | Show all posts
korang ni ... jangan pandai2 nak buat PL dengan cc ni... kalau boleh selesai gak hutang tu secepat mungkin. lainlah kalau korang nak buat ansuran beli barang guna cc ni, aku rasa lebih jimat, dan sempatlah nak cover utk bayar hutang tu bulan depan...

kebiasaannya mcm nilah korang jadi tersalah guna cc.... takut termakan promosi bank2 nilah... hati2 guna kad tau kawan2... jadilah pengguna yang bijak
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Post time 26-12-2008 09:18 AM | Show all posts
Originally posted by nurulazzah05 at 25-12-2008 07:07 PM
korang ni ... jangan pandai2 nak buat PL dengan cc ni... kalau boleh selesai gak hutang tu secepat mungkin. lainlah kalau korang nak buat ansuran beli barang guna cc ni, aku rasa lebih jimat, dan ...


Ya ke....???haku buat PL pakai CC wokey jerrrr..interest lagi murah Bank Rakyat.....
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Post time 27-12-2008 04:47 PM | Show all posts

Balas #2010 medangmru\ catat

tu lah pasal....
macam tu tak guna aku jadi customer dia!
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Post time 28-12-2008 08:31 AM | Show all posts

Balas #2013 anieszack\ catat

apa kata ko tulis surat kat Pengurus Ctbank tu anie....ko lampiaskan kekesalan dan Kecik hati kau pada mereka.... selalunya menjadik gak....lebih2 lagi kalau ko ni merupakan Good paymaster derang..
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Post time 28-12-2008 12:19 PM | Show all posts
malas la....
buat pening kepala jek...
nanti macam orang dah tak sudi, kita pulak yg terhegeh-hegeh...
aku pun bukan sesak sgt nak bual PL tu...
tapi saje jek nak test org mcm aku brape limit yg lepas....
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Post time 28-12-2008 01:57 PM | Show all posts

Balas #2015 anieszack\ catat

Test market le kekdahnya ni..
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Post time 29-12-2008 10:00 AM | Show all posts
Originally posted by ecomoda012 at 22-12-2008 10:36 PM
VISA & mastercard ade beza ke???

aku dapat 2 ketul 1 visa, 1 mastercard....takkan nak pakai 2-2 kot


kalo dapat yg free for life.. amik aje master & visa tu...sbb ada retailer yg kenakan bank chargers pada customer... dan charge tersebut berbeza antara mastercard & visa...dalam situasi tertentu kita mungkin perlukan pembelian tersebut... jadi kita ada option la...
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Post time 29-12-2008 01:00 PM | Show all posts
Originally posted by medangmru at 28-12-2008 01:57 PM
Test market le kekdahnya ni..


tahu tak apa......:victory:
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Post time 30-12-2008 08:42 AM | Show all posts

Reply #2018 anieszack's post

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Post time 13-1-2009 12:40 PM | Show all posts
aku ada sedikit kemoskilan....

akunyer OS ada RM40.06
due date CC aku 25 hb
pas tu aku bayo 26hb, aku bayo RM100
tp aku kena retail interest RM0.36
tp aku tak kena charge late payment

kenapa aku masih kena interest ekk?
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