★ALL ABOUT CREDIT CARD V2★

medangmru

328# aqyueetda  

ni cc cimb petronas ke?kalau cimb petronas mmg takde point rasanya sebab bank dah convert to cash rebate, aritu pernah guna dah,sekejap je pastu terminate, sekarang guna maybank j ...
yus262 Post at 28-10-2009 04:38 PM

kes yg sama mcm Citibank Shell....hanya bg cash rebet.....takdak point...tp aku tetiap mmg konpem isi dlm 2-3 ratus minyak kat Shell...

kucinggemukz

aku kengkadang bengang ngan customer pasal cas rm50 nie tau..
cas tue implement Jan 2010, hari isnin jer penuh bank nak cxl card..
tak paham2 ke, cas tue gov nak annouce.. bukannyer bank yang announce, dok 'pung pang pung pang' membebel kat kitaorg..
yng jenis ok tue ok la.. nie yang stok ala2 'cha ya nun alif' bukit ni...
kalau ikut ati aku rsa mcm nak patah2kan jer cc depan muka dia..
tapi kang kalau aku buat, kang aku lak kena buang kerja.. ehheehee

sori yer aku buat luahan ati lak kat sini..

yus262

342# kucinggemukz

aku setuju ngan ko...aritu masa aku gi riki kat bank, ramai gak la 'geng' ni pi terminate..yg pakai platinum pun ade gak terminate..tapi, tak boleh salahkan bank, bukan bank yg impose, bukan bank yg dapat pun ..tul tak..

aku akan tgk keadaan dulu, kalau takde ape ape berita pasal absorb ni, hujung bulan 12 la aku gi terminate..susah woo takde credit card nie..kalau tiba2 emergency tak ke naya...

aqyueetda

335# yus262

ha a cccimb petrons..btul2 ada rebat..patut ar xde point ye..

ryo_takahashi1

ryo.....rsnya cc HLB  tu takkan expired,,,,dia tunjuk je kat dlm statement tu point akan expired by end of teh year....tp takder nyer expired...aku pun guna HLB ni gak ryo....so far tak pernah red ...
medangmru Post at 28-10-2009 18:51

ehh.. expired la med.. tahun lepas point aku burn buta2 cemtu jer....
ni aku tepek aku punya point... haaa.. nk expired tu... tapi takleh nk claim...

medangmru

Errrrrrrrrrrr........A'aahh la Ryo....bukti dah jelas tu.......mungkin sbb point aku skit kot...tu yg derang maleh nak kasik expired.....poiunt byk2 ni....derang perati lelebih kot...nanti takut rugi sbb cardholder leh redeem brg....kalau setakat ratus2 tu tak payah la....hehehehe

ecomoda012

335# yus262  

ha a cccimb petrons..btul2 ada rebat..patut ar xde point ye..
aqyueetda Post at 29-10-2009 10:08

direct access mastercard (under cimb) isi minyak dpt rebet, shopping dpt point

ecomoda012

ejen2 dah start bising :pompom::pompom::pompom:

Credit card agents cry foul over service charge plan
By JOSHUA FOONG

Government urged to withdraw service tax on credit cards

KUALA LUMPUR: Applications for new credit cards have dropped by 80% following the Government’s announcement of a RM50 service tax on each card starting next year.

The service tax, which was announced during the tabling of the Budget on Oct 23, is likely to affect more than 5,000 credit card agents and 18 credit card issuers.

With their rice bowls on the line, the agents have urge the Government to reconsider the proposal.
Card convenience: Some of the representatives from over 40 sales agencies holding up credit cards during the joint press conference in Kuala Lumpur yesterday.


Card convenience: Some of the representativesfrom over 40 sales agencies holding up credit cards during the jointpress conference in Kuala Lumpur yesterday.

Francis Teow, who runs a credit card sales agency in Penang, said banks would not be keen to maintain their large sales force if they were not confident of achieving the desired sales target when the RM50 tax was enforced.

Teow and representatives from over 40 credit card sales agencies highlighted their concerns in a joint press conference here yesterday.

As for the Government’s argument that the RM50 was seen as a way to encourage prudent use of finances, Teow said a better alternative would be to raise the interest on the minimum monthly repayment from the current 5% to 20%.

“However, the Government is well aware there are many cardholders with substantial amount of outstanding balances in their credit cards.

“And if they increase the monthly minimum payment, many will default payment and non-performing loans will increase,” added Teow.

Credit card sales agency director H.K. Tan said the service tax would not only have a negative impact on sales agents but also on card holders as well.

“The newly imposed service tax will affect low and middle-class consumers.

“Many can’t settle their outstanding bills, imagine having to fork out another RM50 for service tax,” he said.

Credit card consultant Kevin Choong said it was not viable to burden the industry that had done much for consumers with the new tax.

“Credit cards have reduced the need to borrow from loan sharks. Imagine, people who do not have credit cards to avoid paying the RM50 service tax, they may need to carry a lot of cash and they will become easy target for thieves.

“Or, if in case of an accident in the middle of the night and you need to be admitted into the hospital, the credit card provides you with financial security,” he said.

tggu ape komen gomen

medangmru

Dlm kes ni....Pihak Gomen betul2 buruk siku kan...di kurangkan tax lain...tp dibuat tax lain...cam hareeeeeeeeeemmmm........................

ecomoda012

349# medangmru

nak buat camne....rakyat didahulukan katanya ....korek sana bagi sini

aku tengok perbahasan bajet ketua pembangkang ari tu ramai gak MP yg bangkang pasal caj ni:pompom:.....tapi menteri kewangan takde pon dlm parlimen

sicomel

duit rakyat didahulukan, kutipan cukai diutamakan....

medangmru

Skang tgh heboh pasal mende ni...kita tgk apa plak gomen nak komen....

ecomoda012

parlimen hari ni:

Parliament: No service tax on credit cards please
By ZULKIFLI ABD RAHMAN

KUALA LUMPUR: The DAP has called on the Government not to implement the proposed service tax on credit card holders, which will cause financial hardship to the poorer segments of society.

DAP secretary-general and Bagan Member of Parliament Lim Guan Eng criticised the move, proposed in the Budget 2010, which is RM50 on each principal credit and charge card and RM25 for supplementary cards.

The policy will push more consumers to borrow money from “ah long” or illegal moneylenders, especially when the country is facing the effects of the global economic slump, he added.

“The Government should look at the perspective of the poor first before it implements the move,” he said.

Lim said the party estimated that the Government will collect RM555mil in revenue from 10 million credit card and 1.5 million supplementary card holders per annum.

He added that the Government is expected to collect an additional RM6.3bil in net revenue for next year and questioned why it needed to tax RM555mil from the people.

“There are many lower middle class and working class people who have more than one credit card, and a number of them have three to four cards and up to six cards each.

“The interest rate for these cards can as high as 18% per annum or 1.5% per month, which is still lower than what is being charged by the ah longs.

“The move to tax the credit card holders will not achieve the Government’s aim on prudent spending, since the people’s income has gone down while their expenditure rate has not changed.

“The Government should cancel the credit card service tax, so that it can help the poor and the lower middle income group,” he told reporters at the Parliament lobby on Monday.

He said he was sure that the people understood how to plan their budgets during bad economic times.

ecomoda012

Skang tgh heboh pasal mende ni...kita tgk apa plak gomen nak komen....
medangmru Post at 2-11-2009 14:50

ni ha komen bijan:

Credit card tax to stay

KUALA LUMPUR: There are no immediate plans to revise the RM50 annual service tax on credit and charge cards, says Prime Minister Datuk Seri Najib Tun Razak.

Despite public complaints, Najib said it was too soon to talk about a revision as the matter was just recently announced in the 2010 Budget.

“Tunggulah dulu (We wait first). The Government also needs revenue. If we can’t hike up (the price of) anything, susah kita (it would be hard for us).

“Who is going to fund the nation’s development?”

He was speaking to reporters at a press conference after attending Tenaga Nasional Berhad’s 60th anniversary celebration at the TNB Sports Complex here yesterday.

Najib announced the proposal to impose a service tax of RM50 for each main credit and charge card, and RM25 on supplementary cards in his 2010 Budget.

If implemented, financial analysts predicted that at least 30% of the holders of 11 million cards in circulation who have more than one card will have to pay RM100 every year.

Najib had earlier pointed out that the public should look at the overall benefits offered by the Government in the Budget, including an additional RM1,000 tax relief and a reduction at the top of the taxable income tier from 27% to 26%.

“So they get two (relief measures) and only have to pay RM50 (per credit card). Don’t tell me they cannot pay RM50?’’ he said.

It was reported in The Star yesterday that applications for new credit cards dropped by 80% following the Government’s an-nouncement of the service tax starting next year.

mcm :kant:

medangmru

Adesssssssssssssssssssssssssss:kant:

baby_pingu

aik..aritu kata langkah ni utk kawal perbelanjaan rakyat..
ni tetiba lak kata “Who is going to fund the nation’s development?” ????


so RM50 tuh mmg kerajaan anggap as revenue??????

AnisSuraya

Whatever lahhhh....;)

sicomel

actually tax ni dicajkan masa bila ekk? 1 januari 2010 ke ataupn skali dgn annual fee? aku ada 7 kad termasuk la 2 kad combine limit. klu kena tax start 1 januari aku nk tutup 5 kad skaligus sblm 31st disember. klu tax tu time skali dgn kena annual fee, aku tutup 5 kad beransur2 la.

kucinggemukz

comel, cas tue start 1 januari 2010.. tapi bila bank nak cas.. sama ada Jan jugak ke.. atau sekali ngan annual fee,
kebanyakkan bank belum decide lagi.. mostly tgh tunggu announcement dari bank negara pasal cas nie..
once they have the info, bank akan bagitau thru statement or online la..

AnisSuraya

Dulu masa tak guna cc dlm kehidupan, tak ada rasa perlunya cc nih...nak beli apa2pun selalu guna cash...kdg2 nak beli barang yg berharga sampai 7-8k pun, bawak cash ke kedai tu...kalau ingat balik mcm ngeri jer...Bila start guna cc, rasa mudah pulak...nak beli apa2 yg libatkan amount yg besar, bagi jer kad kredit...esok atau lusa lak...bayar balik nilai yg dibelanjakan guna cc tu via maybank2u atau cimb online...tak der nak bawak cash banyak2...kalau yg ada buku cheque mudah lah kan...kalau cam anis x ada ni, nak kena wat bank draft bagai lah...leceh lah kan....so,cc lah pilihan paling mudah....

Bila belanjawan 2010 diumumkan...gomen nak kenakan tax pulak kat cc...Rm50.00 satu keping cc...masa ni mula lah berbelah bagi kan....tapi bila fikir balik...masuk kfc, mcd, pizza hut pun ada dikenakan tax 5% kan....hotel pun ada tax jugak...kdg fikir mcm tak adil...kadg fikir...ntahlah...kdg fikir..naperlah gomen buat mcm ni...kdg fikir...ermmm....akhirnya....tak kisahlah apa kata bank negara camner...cc tetap anis perlukan....