►ALL ABOUT CREDIT CARD!◄

tsunade_sama

setuju bab loan tu.. memang senang diaorang nak approach kita bila kita nak apply for loans kalau kita maintain good credit history dengan bank.

medangmru

Originally posted by tsunade_sama at 13-1-2006 10:09 PM
setuju bab loan tu.. memang senang diaorang nak approach kita bila kita nak apply for loans kalau kita maintain good credit history dengan bank.

:ah::ah::ah::ah:

seri_air

Lagi satu maklumat tambahan:
credit card means HUTANG.

So kena fikir baik2, adakah kita betul2 perlu credit card ni?
Kalau cuma sebab terikut-ikut dgn trend hidup zaman ni, dah tu disiplin agak kurang, tak payahlah ada credit card.

Sebab nak charge cc tu mmg senang, dah tu nampak cam ada kelas sikit bila nak sign tu, dah tu ada minimum payment pulak maknanya kalau beli barang RM1000 bila bill dtg nanti boleh bayar much less...mmg sgt tempting!

Tapi makin lama overdue balance tak berbayar, makin tinggi interest. Akhirnya menjerut leher sendiri bila kita dapati interest saja dah cecah beratus-ratus.

Be smart!

actually if you wisely use credit card you get more than what you spend..set a standing order with the credit card..at the end of each month the issuer will automatically take the payment based on your monthly use..there's no need to worry provided you have ample balance to absorb the payment..let say..you spend around 1k per month on credit card ..so you by the end of the year you would have charged 12k on your credit card..which is equivalent to 12k points..more that enough to reduce you annual fees to zero and perhaps cover the supplemetary's as well..see ..good things come to those who wait and obviously wise in action..dont simply look at credit card as bad things..in the end of the day only you that know the reason for you to subscribe for credit card..necessity or to show off?..think of it..

tipah

sekarang ni kat pusat membeli belah cukup banyaklah buat promosi kad kredit.

WonBin

Kad kredit? cantik mata memandang, bila bayar, berlubang poketnf:

R2D2

yap! memang mana2 Bank boleh check semua kita punya history dari Bank2 lain
semua maklumat central kat Bank Negara
dia org pakai Central Credit Reference Information System (CCRIS)

munchkeen

heheh ... aku nasihatkan pakai kad kredit 2 keping je dari bank berlainan ataupon jgn pakai terus ... fraud is still goin on ... ko pnah dgr citer tak ader satu kes kat bank *** org tu tgok bill ader purchase rm2k for flight ticket ...psl dier tak lambat tgok lepas 3 weeks after dier dapat ( actually silap bank or POSmalaysia psl lambat hantar bill) tak psl dier kena settle amount tu evenpon dier keje cikgu skolah tak pnah2 pon nak travel gi oversea naik flight ... jangan korang kena camtu sudah psl ramai org tak tahu laws & regulation tu tak direveal oleh pihak bank pada cardholder ... yg korang sign kat borang tu cuma 1/5 je drpd declaration sebenar!!!

nurulazzah

ada baik dan buruknya.... tapi kalau fikir kena pakai gak, kot2 bulan tu tak cukup duit. uhuhuh...

zaida

nak pakai boleh... tp jgn la sampai jdkan habit... mcm ada member gue sorang tu.. dia ada 3 cc... last2 call gue.. mengadu yg dia dah tersepit... tanya la kenapa... dia kata dia punyer credit card sumer bank dah call... sampai bergaduh2 dgn org bank yg call dia tu... rupa2nya credit card dia sumer dah sampai credit limit... mana x perit nak byr bila sumer bank dah cari... at last buat loan bank rakyat utk settlekan utang cc tu... masalahnyer bila dah settle, dia start balik... dah x buleh nasihat mcm mana dah... sbb dah terbiasa... pegi shopping jer guna CC.. tau duit takde pun nak beli jugak sbb tau ada CC.. mentang2 duit yg keluar tu x nampak... kalo mcm ni sampai bila pun mmg x boleh settle...

gue pun pakai credit card jugak.. tp semua cc gue minimum payment 50 jer tiap2 bln.. pakai bila betul2 terdesak jer... in fact my HSBC card, tiap2 bulan pun sampai bil kosong jer sbb mmg x guna... mmg yer, bila kita byr tetap tiap2 bulan... terkena pulak kita byr lebih dr minimum payment, bank akan offer mcm2... kalo history x elok, nak buat apa pun susah...

yg penting kita kena ingat, duit dlm cc tu bukan duit kita... tp duit utk membantu kita.. bila selalu kita pk mcm tu, insyaallah kita x kan dpt susah...

R2D2

ada sesapa pakai CC Bank Islam dan Ambank -AlTaslif?
ada point ke?
apa kelebihan berbanding CC konvensional?

tictactoe

Originally posted by R2D2 at 2-5-2006 06:06 PM
ada sesapa pakai CC Bank Islam dan Ambank -AlTaslif?
ada point ke?
apa kelebihan berbanding CC konvensional?

al taslif yg aku tau...
instead of 18% annual interest, dia cuma 15% jek

azaleena

Originally posted by munchkeen at 31-1-2006 02:36 PM
heheh ... aku nasihatkan pakai kad kredit 2 keping je dari bank berlainan ataupon jgn pakai terus ... fraud is still goin on ... ko pnah dgr citer tak ader satu kes kat bank *** org tu tgok bill ad ...

kalau kes mcm ni, buat je polis report. polis bhgn siasatan jenayah perdagangan yg akan incharge. Once the report done, fax satu copy ke bank & bank akan refund kalau amount tu kita dah bayar OR dia akan adjust from credit card balance.

i dah experience bende. It's due to system Air Asia online booking yg tak de security in 2002/2004 gitu.

yg pentingnya credit card ni, bila nak isi minyak & pi oversea. It helps a lot in emergency.
tapi, pandai2 la kena budget & discipline. Kalau beli barang guna credit card installment pun much ok banding dari kedai mcm HSL, Sen Heng, moccis, singer & Courts Mammoth yg tawarkan installment scheme.

medangmru

Originally posted by azaleena at 2-5-2006 11:40 PM


kalau kes mcm ni, buat je polis report. polis bhgn siasatan jenayah perdagangan yg akan incharge. Once the report done, fax satu copy ke bank & bank akan refund kalau amount tu kita dah bay ...

:setuju:....berguna bila nak sisi minyak...

Dan Banyak Company2 yang tie up dgn Bank bagi 0% interest Installment untuk credit card tertentu...lagi murah..:nerd:

medangmru

Originally posted by tictactoe at 2-5-2006 09:14 PM


al taslif yg aku tau...
instead of 18% annual interest, dia cuma 15% jek

Selain tu..boleh pakai untuk bayo zakat....:hatdown:

NonaNaga

so far aku pakai kad kredit bukan pasal nak pakai sgt...simpan utk emergency...
tapi kalau ada terdesak pakai untuk beli sesuatu....aku pastikan bayar terus untuk bill yg dtg.....
dan bukanlah lambang kemewahan ker...lambang eksklusif ker aku rasa......dulu tengok org pakai mcm granddd jer...
jgn jadi mcm collegues aku.....pakai kad kredit banyak sgt...utang sampai dah tersepit.....sbb kita keja ngan gomen..so lagi senang...tolak gaji dia jer....and a couples of months...gaji dia 0...zero.......terlampau berhutang sgt......
sudah jadi kes keberhutangan yg serius..

herman

Originally posted by zaida at 9-3-2006 08:08 AM
nak pakai boleh... tp jgn la sampai jdkan habit... mcm ada member gue sorang tu.. dia ada 3 cc... last2 call gue.. mengadu yg dia dah tersepit... tanya la kenapa... dia kata dia punyer credit card  ...

nie mesti perempuan...kaki shopping...

yanzz

cc ni ok bila kecemasan tp bila pakai sendiri mau ingatlah. aku pun ada gak over 20k credit limit.. kalau pompuan shopping bestlah..sakit ooooooooo bila nak bayar

Acun

penting ada CC ni utk emergency. tp jgn sampai terjerat.....cam haku pakai CC utk isi myk jek & byr bil spital/kinik ...lepas pakai byr balik cepat2...bengang jek bankcard tak dpt profit dr haku....:bgrin:

illa

serik lah pakai cerdit card....nasib baik dah settlekan semua utang credit card sebelum buat utang baru tukar keta..lega..tak payah fikir nak bayar tiap2 bulan