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►ALL ABOUT CREDIT CARD!◄

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Post time 12-6-2008 09:43 AM | Show all posts

Reply #1300 afja's post

x...yg tu tuk annual fee 18% tu.....atau 1.5% ( monthly)  interest charge for total outstanding balance....

kan ke bank caj 1.5% out of baki tertunggak akaun cc....dr situlah sebenarnya Bank dapat untung dr penggunaan cc...

so...those yg good paymaster ...bank akan reduce kan 18% annualy  atau 1.5% monthly interest tu ke15%....

nothing to do with annual fees ke atau easy installment..

[ Last edited by  medangmru at 12-6-2008 10:32 AM ]
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Post time 12-6-2008 11:12 AM | Show all posts

Reply #1297 medangmru's post

yg aku nmpk dkt page dpn skali tu la..tp xphm..dia kata sama jek..
dua2 still cdt card..tp duit tu bkn duit kita..ntah ape ntah..
klu ko ada link yg kt dpn yg xplain selain dr yg aku bc tu,blh tlg bgtau x page mn???
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Post time 12-6-2008 11:40 AM | Show all posts

Reply #1302 dompot's post

VISA ngan MASTER CARD ni lebey kurang sama jerk....Company lain2....dua2 diterima hampir disemua kedai yg adamesin kad kredit ni.....kalau ada VISA...mesti ada MASTER.....
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Post time 12-6-2008 11:47 AM | Show all posts
Originally posted by medangmru at 12-6-2008 09:43 AM
x...yg tu tuk annual fee 18% tu.....atau 1.5% ( monthly)  interest charge for total outstanding balance....

kan ke bank caj 1.5% out of baki tertunggak akaun cc....dr situlah sebenarnya Bank d ...


ooo gitu yek....
tenkiu....
almaklumlah baru berjinak2 dgn kledit kad
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Post time 12-6-2008 12:19 PM | Show all posts
Yang free for life tu tiada kena mengena dengan transaksi, secara logik tidak terjejas dan maintain free for life. Tang Ezy Pay tuh kena tanya balik bank camner ... aku pun ragu juga pasal nih ...
Very good question peja ...
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Post time 12-6-2008 12:28 PM | Show all posts

Reply #1301 medangmru's post

Ezypay tuh consider outstanding juga sebabnya ianya akan dicaj auto setiap bulan .. Jadi Kalau ikut tafsiran mudah ianya masih lagi dikira satu transaksi. Dan sesiapa yang amalkan bayaran minimum masih tidak layak utk dapat interest free period ... xpelah nanti aku ada masa calling2 bank tanya pasal nih ...
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Post time 12-6-2008 12:48 PM | Show all posts

Reply #1303 medangmru's post

oooo..itu mcm ka..tq medangmru.. ..
tp apa kaitan company2 tu dgn bank???bkn bank ke yg kuar kn cdt card nih????
mstila itu duit dr bank kan????soryla bnyk tnya...tp mmg minat nk taw..
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Post time 12-6-2008 01:11 PM | Show all posts

Reply #1307 dompot's post

Huhu, soklan cepu emas ... jawab jangan x jawab
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Post time 12-6-2008 01:52 PM | Show all posts

Reply #1307 dompot's post

Visa Inc. (NYSE: V), commonly called VISA, is an economic joint venture of 21,000 financial institutions that issue and market Visa products including credit and debit cards. The company was originally named Visa International Service Association. As a part of VISA's restructuring and IPO plan, the name change occurred in late 2007. VISA is not engaged in any actual credit lending, but rather generates revenues from operating the world's largest retail electronic payment network. The company is based in San Francisco, California, USA.

In 2006, according to The Nilson Report, Visa held 44% of the credit card market share and 48% of the debit card market share in the United States.[1]

MasterCard Worldwide (NYSE: MA) is a multinational corporation based in Purchase, New York, USA. Throughout the world, its principal business is to process payments between the banks of merchants and the banks of purchasers that use its "MasterCard" brand debit and credit cards to make purchases. MasterCard Worldwide has been a publicly traded company since 2006. Prior to its initial public offering, MasterCard Worldwide was a membership organization owned by the 25,000+ financial institutions that issue its card.

It was originally created by United California Bank (later First Interstate Bank, subsequently merged into Wells Fargo Bank), Wells Fargo, Crocker National Bank (also subsequently merged into Wells Fargo), and the Bank of California (subsequently merged into the Union Bank of California) as a competitor to the BankAmericard issued by Bank of America. BankAmericard is now the VISA credit card, issued by Visa International.
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Post time 12-6-2008 01:55 PM | Show all posts

Reply #1307 dompot's post

visa ngan mastercard ni diorang provide rangkaian seluruh dunia....so leh la guna kat mane2 je...kalo guna kedit kad bank tu je takde link ngan visa/master, leh guna kat msia je la agaknye.....
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Post time 13-6-2008 08:59 AM | Show all posts
Originally posted by quedac1 at 12-6-2008 12:28 PM
Ezypay tuh consider outstanding juga sebabnya ianya akan dicaj auto setiap bulan .. Jadi Kalau ikut tafsiran mudah ianya masih lagi dikira satu transaksi. Dan sesiapa yang amalkan bayaran minimum ...


owh gitu ekk.....
kena take note nih....

adik aku guna cc aku beli laptop....
RM3200 pulak tu...
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Post time 13-6-2008 09:00 AM | Show all posts
Originally posted by quedac1 at 12-6-2008 12:19 PM
Yang free for life tu tiada kena mengena dengan transaksi, secara logik tidak terjejas dan maintain free for life. Tang Ezy Pay tuh kena tanya balik bank camner ... aku pun ragu juga pasal nih .. ...


kita nih br je pakai cc
awal taun ni ajerk...
tu pun kwn suruh apply...
sbb cimb ada offer free for life
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Post time 13-6-2008 03:57 PM | Show all posts
tq medengmru and cyberboys..
dh clear la sket..
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Post time 13-6-2008 03:58 PM | Show all posts

Reply #1308 quedac1's post

bkn sokklan cepu cemas ker???  nape quedac1 xjwb???
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Post time 13-6-2008 06:37 PM | Show all posts
Originally posted by afja at 13-6-2008 08:59 AM


owh gitu ekk.....
kena take note nih....

adik aku guna cc aku beli laptop....
RM3200 pulak tu...


bila tuh ja?????kalau CIMB leh wat 0% installment.....tp kene call CIMB sebelum next statement...kalau Ja dah start bayo...takleh dah wat..
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Post time 13-6-2008 09:50 PM | Show all posts
aku ada beberapa soalan nak dikemukakan pada korang2 yang dah lama pakai cc ni..
1) aku baru nak apply hsbc punya, yang gaji tahunan 18k tu..credit limit berapa eh?

2)dapat je aku nak cucuk amik cash advance, then bulan2 seterusnya aku tak guna dah..aku just bayar sikit2 cash advance yg aku amik pada bulan pertama tu sampai habis bayar..boleh terima ke cara aku ni?
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Post time 13-6-2008 10:11 PM | Show all posts

Reply #1314 dompot's post

Malas nak menjawab, nak kena selak sana sini dulu baru boleh jawap ngan terang.
Bagi ler orang lebih pro dan arif macam bro medang menjawab.
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Post time 13-6-2008 10:15 PM | Show all posts

Reply #1316 arishan24's post

1> Kredit limit nih sangat subjektif pada pengurusan bank. Kebanyakan hanya akan memberikan minimum 2 kali gaji bulanan atau RM3000 yang mana lebih rendah. Kaedah ini hanya terpakai untuk pemohon yang gaji tahunan dia range RM18000 - RM25000.
2> Yeah sesangatlah boleh menempah mimpi ngeri poket anda
Don't ever take cash advance via CC ... Killing your financial health!
Tambah pulak ader niat nak bayar minimum tetiap bulan .... memang kes bunuh diri [baca:kewangan]. SUICIDE!
Sebabnya, rajin-rajinkan diri belek thread dari awal. Kat page2 sebelum nih banyak perbincangan pasal nih kalau x silap.

[ Last edited by  quedac1 at 13-6-2008 10:20 PM ]
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Post time 13-6-2008 10:23 PM | Show all posts
tula..tadi dah selak tapi sampai page belas2 je..hehe...

aku nak pakai duit sebenarnya..nak tunggu loan macam2 kerenah, tu yang plan b, apply cc, cash advance, bayar bulan2 tanpa tertunggak n tanpa gunakan lagi for the next month..then convert to EZ payment..tapi otai2 kata takyah, tak jadi la kot..
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Post time 14-6-2008 02:06 AM | Show all posts
Baguslah kalau dah buat keputusan begitu .. Tahniah
Kalau nak berutang sangat pun jauhkan diri dengan cash advance kad kredit, bahaya
Melainkan bulan seterusnya tuh kita ditakdirkan dapat durian runtuh, bonuslah katakan, barulah boleh bayar balik dengan penuh.
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