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5 Jenis Credit Card User. Anda yang mana satu?
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guna bila ada duit dlm saving acc
lepas swipe terus bayar |
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Time corvid ni bahaya betul ada cc....sape yg kena buang kerja tu mesti tempted nak guna. Even Ada savings pun rs syg nak guna n rather use cc. |
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Author |
Post time 20-6-2021 10:01 PM
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Rogue98 replied at 20-6-2021 09:53 PM
Time corvid ni bahaya betul ada cc....sape yg kena buang kerja tu mesti tempted nak guna. Even Ada s ...
Masa emergency tp tak mampu la jangan pakai CC... sbb masa gini la org terjerat masuk golongan revolver yang bayar minimum payment je... |
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Mula mula dulu no 2 but i learnt my lesson. Skrg definitely no 1. |
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green~tea replied at 20-6-2021 05:19 PM
i ada 1 je CC and i mmg fully use CC as my daily spending... senang i nak keep track category spen ...
Everytime u guna cc kat mana2 store that store still need to pay a certain % of their sales to the credit card co. So lagi byk u belanja lagi byk the stores kena bayar pada cc company tu. On top of that u still kena bayar annual fees. So yg u dpt mcm2 free gift tu actually dr u jugak lah from using the card. Impossible bank nak bagi free2 camtu...lol |
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Author |
Post time 20-6-2021 11:36 PM
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Edited by green~tea at 20-6-2021 11:47 PM
Rogue98 replied at 20-6-2021 11:29 PM
Everytime u guna cc kat mana2 store that store still need to pay a certain % of their sales to the ...
I never paid annual fee.. they always waive every year rm800 AF tu.. never paid a single cent
Semua stores tak kira u pay cash or cc mmg dah naikkan siap cost utk cover the cc facilities, semua users kena ni..
As explained dlm tiers of credit card users.. berdasarkan lesson learnt from Bank of America tu.. i ada explain the types of CC tiers in my earlier post. But i paste here again
Dalam Money Explained : Credit Card episode tu ada mention how basic users are subsidizing the perks for the premium users... tp in return, it is actually the premier card users punya cashflow (duit rolling) yang kasi cash advance untuk basic user pakai... the banks pulak yang have this advantage of "managing" this cashflows... and on top of it banks juga yang dpt kutip fee dari basic user (riba from compounding minimum payment interest) and dari merchants (dengan cara naikkan harga barang bila enable CC terminal payment), either u pay cash or CC, benda ni dah serap pun dlm overall harga barang....
this circle of cash provider (premium user) and penghutang (basic user) sbrnya adalah ilham dari Bank of America crisis yang ramai debtor sangkut takleh bayar hutang card credit USD 15 bil sdgkan bank perlukan cash utk kasi advance payment pada basic user... maka dari incident crisis inilah maka wujudnya tiers of credit card users supaya senang Bank nak identify their customers.. mana yg kasi steady income to bank through compounding interest, mana yang bagi cash advance utk basic user pakai through cash rolling tu...
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Author |
Post time 20-6-2021 11:53 PM
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annadonna replied at 20-6-2021 10:53 PM
Mula mula dulu no 2 but i learnt my lesson. Skrg definitely no 1.
I pun pernah berada di golongan ke 2 : the revolver... really learnt my lesson... dan i pernah juga stupid bayar outstanding balance instead of statement balance konon nak zerorize everything... but by doing so, i tak utilize the max benefit of CC that allows delayed payment.. so utk elak RIBA, the best way is to pay the statement balnce before the due date |
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green~tea replied at 20-6-2021 05:19 PM
i ada 1 je CC and i mmg fully use CC as my daily spending... senang i nak keep track category spen ...
U guna CC bank apa ya blh track expenses cmni? |
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Author |
Post time 21-6-2021 12:14 AM
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Edited by green~tea at 21-6-2021 12:18 AM
Rmz83 replied at 21-6-2021 12:12 AM
U guna CC bank apa ya blh track expenses cmni?
I pakai maybank... giler detail apps dia tunjuk... in fact diorg ada apps yg kasi market outlook, market report utk u buat decision beli saham, or unit trust sendiri...
FYI, bank negara baru approve license for 5 big companies for full fledge digital banking. Maybank is geared their readiness towards that
Ni apps yang maybank offer.. best lah so far i am still exploring it.. and the analysis are really interconnected.. i bleh tengok dashboard unit trust, PNB accounts, Tabung Haji, CC spending, CDS, loan, insurance semua la sini... |
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green~tea replied at 20-6-2021 05:52 PM
honestly, ramai sangat orang camni... mcm sis @dudaberhias tu pun sama... we can categorize as non ...
Resolvers mmg rmai guna CC smpai Max byr min payment je pstu repeat |
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Edited by Rmz83 at 21-6-2021 12:24 AM
green~tea replied at 21-6-2021 12:14 AM
I pakai maybank... giler detail apps dia tunjuk... in fact diorg ada apps yg kasi market outlook ...
Oh Apps MAE eh..Yup Apps ni best senang nk track duit pergi mna so tkde la spend lbh dri kemampuan |
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Author |
Post time 21-6-2021 12:22 AM
From the mobile phone
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Edited by green~tea at 21-6-2021 12:26 AM
Rmz83 replied at 21-6-2021 12:15 AM
Resolvers mmg rmai guna CC smpai Max byr min payment je pstu repeat
Serik betul i duduk bergelumang dalam najis RIBA circa 2011 - 2017.. i benci sgt2.. sampai tahap i pernah jadi Non- User kejap sbb serik sgt.. but semasa jadi Non-user, less convenient lah... my husband and financial advisor (relationship manager) yang ajar i pakai CC dengan betul... tambah pula i baru tengok series Money Explained tu, lagi lah i yakin dgn apa yang i belajar dan amalkan..
I cuba la nak share some of my knowledge and experience here.... takde paksaan pun nak terima or digest info camni.. yang penting kita semua di sini selamat dari terjerat dengan RIBA.. ya Allah, harap2 orang yang membaca di sini dpt manfaat.. kita share cara jauhi riba, i didnt get any commission by doing this.. |
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green~tea replied at 21-6-2021 12:22 AM
Serik betul i duduk bergelumang dalam najis RIBA circa 2011 - 2017.. i benci sgt2.. sampai taha ...
Btl la apa u ckp tu.I rmai knl org yg suka buat installment mcm2 guna CC beli bnda2 tk penting lpstu byr min payment je mmg smpai AJM pn tk hbs i rsa hutang dia tu |
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green~tea replied at 21-6-2021 12:22 AM
Serik betul i duduk bergelumang dalam najis RIBA circa 2011 - 2017.. i benci sgt2.. sampai taha ...
Tqvm for sharing ye.
Saya sebenarnya nak terminate CC sendiri. Mcm takde keperluan sangat sbb saya ada 1 CC supp husband punya.
Tapi, sayangkan benefit dia yg seciput tu lah. Saya pakai visa signature jah. Husband platinum. Kami marhaein saje. Annual Fee tu takde atau boleh waived, tapi bayaran tambahan yg Bank Negara minta tu 50 masih juga kena bayar. |
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dalam episod Money Explained tu, dia ada share that typically it takes 5 years orang nak langsaikan hutang CC kalo kita just bayar Minimum Payment
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Lebih tenang hidup tanpa CC sebenarnya.. skang pun ada e-wallet, debit card... boleh je u terminate your CC... e-wallet also gives good return, discount...
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kalau login dari m2u website pun boleh view the same ..semua portfolio kita including our loans etc. |
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I jenis no 1. Kadang terbabas jgk bayar min paymnt tp sebab dah disiplin jgn hutang lebih 1k dlm kad. So kad sentiasa clear.. cuma slalu dpt rebate sikit la sbb bukan jenis suka shopping. Dan x buat auto byr bills guna kad.. cuma sekarang ni macam nk terminate beberapa CC sebab die combine limit. Contoh mcm 1 bank ade 2 CC limit 10k. Bukan 1 kad 10k. So rase mcm mls la nk pakai byk kad sbb benefit tak dapat banyak sebab fikir nak guna semua CC. Haha.. |
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Edited by adila39 at 21-6-2021 12:49 PM
dulu i guna my cc to pay medical bill my mum - 14k. After settlement i void semua sbb stress level nak bayar balik tuu lagi tinggi dari swipe hahaha... and hanya guna debit card |
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ni betul sangat... tahun lepas iols guna cash rebate untuk beli gadget ke apatah... gigih la beli fon baru, macbook semua...
ujung2 rebate tu harga kita bayar fees tu jugak...
tapi ok la still berbaloi 
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Category: Belia & Informasi
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Post time 20-6-2021 08:50 PM
Post time 21-6-2021 12:46 PM
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