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Author: tora

►ALL ABOUT CREDIT CARD!◄

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Post time 11-6-2008 08:22 AM | Show all posts
Originally posted by asuda at 10-6-2008 04:48 PM
korang...aku nak tanya, sapa yg ada kol dgn collector yg krg ajar?


bear in mind...collector yg keje kat bank tu mmg dah diasuh utk kurang ajar dengan mana2 CC holder yg tak bayo utang....mende ni sebenarnya dah di praktikkan oleh "Along" berlesen cam AEON ( dulu ACS ) ...sesaper yg tak bayo utang...siap ko....bermacam2 cara kurang ajar yg derang akan guna termasuk maki hamun pelanggan...faks segala macam ayat kurang ajar ke Company korang...termasuk ke CEO korang dan colleage2 korang.....

Sebenarnya aku pernah bertanya dgn salah sornag pekerja ACS ni dulu....mmg camni ke cara yg CSO derang praktikkan....apa yg wat aku terkezut...dia kata 'YA" ....camnilah cara2nya utk mendapatkan kembali utang2 derang ngan pelanggan...kalau x wat cara camgini...dia kata mmg susah nak dptkan balik utang2....
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Post time 11-6-2008 08:31 AM | Show all posts
semalam adik ipar aku  tepon.. dah la masa tu aku mmg takde mood...

dia call kata kak, ada dua kali orang citibank call.. "akak ada apa apa connection atau urusan dengan dia ke?"

aku" haah, ada kat kredit, tapi mana ada hutang pun"

dia "ooh..sebab dia call dua kali hari ni..."

aku "tu dia nak promote barang lah tu, call opis akak tak mo layan"

dia "ooh promote barang je tak pelah"

*****
aku hangat hati sangat.. apalah agaknya perception mertua aku..dulu pun selalu dia kata ada orang tepon carik aku..semua tu citibank lah..masa nak apply dluk dia ada minta contact no selain hp..aku bagi no rumah mertua, since aku xdak fixed line..

lepas tu gatai gatai dok tepon.. masa nak jual kredit card kat aku kata, ala no ni bukan apa apa, nak buat rujukan je!!! :@ :@  pehtu ko pegi promote menda menda yang aku takmo pasai pe :@ :@

aku pun apa lagi, terus call centre dia komen... aku kata ganggu privacy..umah in laws... buat pe call... chinese guy tu diam jek..so aku kata aku nak buang nombor fixed line tu sebab ganggu orang lain... dia kata "ok"

lepas dia kata dia dah delete, baru aku lega... then dia kata apa contact number aku..aku kata contact sama ada henpon atau opis jek... aku suh reconfirm nombor, rupanya aku tak update no handphone baru..so aku yang JUJUR ni   bagi la no henpon baru..

lain kali kalo ada ornag promote melalui phone tahu la aku nak marah...

aku cakap ngan asben aku, ntah ntah orang ingat aku banyak hutang, atau tak bayo hutang sebab tu orang bank call..selalu dulu kan gitu, kalo takbayo dia call..

geram aku, walhal aku ni good paymaster lah pakai terus bayo, takdenya sempat nak rasa interest meres tu... sib baik aku tak kata aku nak teriminate.. sebab aku ty  promotion free for 2 years habis bila, dia kata hujung bulan ni, kalo nak dia waive kan sampai 2010 dnegan syarat ada 12 transaksi..

puash hati dapat luahkan kat sini

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Post time 11-6-2008 09:11 AM | Show all posts

Reply #1282 wardatulhamra's post

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Post time 11-6-2008 11:12 AM | Show all posts

Reply #1274 wardatulhamra's post

Hmm .. aku rasa itu mungkin indicator multi tier interest rate terbaru yang BNM introduce ...
Mulai Julai depan, sumer bank perkenalkan kadar faedah pelbagai tingkat ... more info aku update kendian ...
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Post time 11-6-2008 11:19 AM | Show all posts

Reply #1282 wardatulhamra's post

Huhu .. CTBank memang cenggitu ... Aku banyak kali dah basuh caller/promoter dari CTBank nih ... ntah hapa-hapa orang cakap sekali x nak sudah ler ... lagi nak pujuk rayu bagai .. haapppara ...
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Post time 11-6-2008 11:27 AM | Show all posts

Reply #1284 quedac1's post

Sumber Dari Personal Money #June 2008

With effect from July, credit card holder who don't pay up in full and on time may end up paying more.
Last Year, Bank Negara Malaysia announced a tiered pricing structure [TPS], which will be implement this July 1st, under which those who settle minimum payments promptly which be charge a reduce interest of 15% - 17% per annum instead of usual 18%.

[ Last edited by  quedac1 at 11-6-2008 11:28 AM ]

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Post time 11-6-2008 11:31 AM | Show all posts
Originally posted by quedac1 at 11-6-2008 11:12 AM
Hmm .. aku rasa itu mungkin indicator multi tier interest rate terbaru yang BNM introduce ...
Mulai Julai depan, sumer bank perkenalkan kadar faedah pelbagai tingkat ... more info aku update ken ...


ok/./...kalau ada info pasal mende tu....boleh update kat sini...........
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Post time 11-6-2008 11:33 AM | Show all posts
Originally posted by quedac1 at 11-6-2008 11:27 AM
Sumber Dari Personal Money #June 2008

With effect from July, credit card holder who don't pay up in full and on time may end up paying more.
Last Year, Bank Negara Malaysia announced a tiered ...


obviously yg bank negara nak galakkan org byr on time ...bagus la camni...those yg pay on time sepatutnya dpt kurang annuat interest rate tu...
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Post time 11-6-2008 12:10 PM | Show all posts
Yup, satu halatuju yang bagus walaupun x kena waktu... tp agak memeritkan pada sesiapa yang selalu memilih utk bayaran minimum ... sebabnya jangkamasa kadar faedah percuma tidak diberikan kepada pemegang kad yang memilih kaedah bayaran tuh .. maksudnya akaun mereka akan di caj sebaik saja setiap transaksi batu dibuat. Serupa kekdahnya macam pendahuluan tunai ...
Asasnya tiada lagi 20 hari kadar faedah percuma kepada pembayaran minimum ...
Sib baik aku nih bukan dalam senarai tuh  ... Alhamdulillah setakat nih masih berdisiplin membayar habis kesemua baki statement.

[ Last edited by  quedac1 at 11-6-2008 12:37 PM ]
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Post time 11-6-2008 12:23 PM | Show all posts
aler...citibank ni memang suka call and promote bende diorang..
yg tak tahan tuh suka sangat tepon ofis..menyampah ler..sort of cam force org la utk amik product diorang..cam desperate sangat..
conclusion aku senang jer.. x achieve sales target la tuh..
bile org cakap x interested..cam bengang bengang je..
2-3 kali gak tepon..

lagik satu aku perasan a/c aku ade charge untuk credit shield plus..kire cam insurance la..tah hape hape..tapi aku dah terminate la credit shield plus tuh..satu je yg aku suke pasal citibank ni..call centre die very efficient..x yah hold line lama lama..
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Post time 11-6-2008 12:33 PM | Show all posts
Originally posted by quedac1 at 11-6-2008 11:27 AM
Sumber Dari Personal Money #June 2008

With effect from July, credit card holder who don't pay up in full and on time may end up paying more.
Last Year, Bank Negara Malaysia announced a tiered ...


Sambungan ...

However, credit cardholders are now crying foul over a recent development - the removal of the interest free period for those who do not pay up their bills in full.
Under current arrangements, credit cardholders enjoy a 20-day interest-free period on their new retail transactions.
However after July, only those who make full payments before due date will be entitled to the interest-free days.
Those who make only partial or minimum payments will be charge interest on the day the new purchases are post to the cardholder's account.
In addition, the late payment charge is now a minimum of RM10 or 1% on total outstanding balances; currently it's 1% of the minimum payment amount.

p/s - Tekanan beb .. sumer benda dinaikkan ... x sudah pasal kos sara hidup meningkat gara2 kenaikan rege minyak .. sekarang kat sini pun bank negara [baca:kerajaan] duk belasah ... . Walaupun secara kebetulan tp sungguh haru biru dan kalut cara kerajaan mentadbir ekonomi negara. [aku sekadar meluah perasaan]
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Post time 11-6-2008 12:37 PM | Show all posts

Reply #1290 chemote's post

cuba tepon astro punya call centre... yang Allah..

sempat aku gi makan, dah nak tido baru dia jawab panggilan
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Post time 11-6-2008 12:42 PM | Show all posts

Reply #1292 wardatulhamra's post

Terminate ajer Astro tuh ... simpan duit langganan astro tuh untuk masa depan diri dan keluarga.
Amacam, boleh x idup tanpa astro?
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Post time 11-6-2008 01:25 PM | Show all posts

Balas #1292 wardatulhamra\ catat

uhhh itu mmg tahap gaban nyer..bukan setakat lousiest..lousilousiest dah..aku pernah ade xperience gak ngan astro ni..lastly aku email aje..aku ingat blindly send..rupanya berbalas gak
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Post time 11-6-2008 02:18 PM | Show all posts
Originally posted by quedac1 at 11-6-2008 12:42
Terminate ajer Astro tuh ... simpan duit langganan astro tuh untuk masa depan diri dan keluarga.
Amacam, boleh x idup tanpa astro?


sokong2..
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Post time 11-6-2008 04:44 PM | Show all posts
aku still xpaham la beza master card dgn visa..
blh sesapa tlg xplainkn x????  tq in advance..
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Post time 11-6-2008 08:51 PM | Show all posts

Reply #1296 dompot's post

dompot....try selak2 page belakang...rasanya dah ada explanation pasal beza antara Visa dan Master ni...
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Post time 11-6-2008 08:52 PM | Show all posts
Originally posted by quedac1 at 11-6-2008 12:42 PM
Terminate ajer Astro tuh ... simpan duit langganan astro tuh untuk masa depan diri dan keluarga.
Amacam, boleh x idup tanpa astro?


susah woooooooooo....................
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Post time 12-6-2008 01:10 AM | Show all posts

Reply #1298 medangmru's post

Layan porum lagi baguih dari abiskan masa dan duit ngan tengok Astroke
Sambil2 berporum boleh layan streaming media ... baguih duk ader .. kalu x tau mana nak layan tanya ajer kawan aku Mr. Google anak kepada Yahoo ... beliau sangat setia dan sabar melayan semua keraguan dan pertanyaan kita tanpa mengira tempat dan waktu
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Post time 12-6-2008 09:32 AM | Show all posts
Originally posted by quedac1 at 11-6-2008 11:27 AM
Sumber Dari Personal Money #June 2008

With effect from July, credit card holder who don't pay up in full and on time may end up paying more.
Last Year, Bank Negara Malaysia announced a tiered ...


x fhm pulak aku....
habis kalau yg amik free for life tu.... cemana pulak?
kena gak ke caj annual fee?

dan yg amik easy payment tu pulak....cemana?
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