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green~tea replied at 25-1-2025 01:58 PM
U ni macam adik i.. dah lama tak pakai kad kredit, hutang heols pun cuma kereta aje 2, another 2 d ...
Bukan sbb kena pakai cc tuk apply loan baru boleh approved. It is only bila you apply loan, banks will check your credit worthiness kat bank negara. Nak tengok your repayment history baik atau tidak. Kalau dia x de cc tp at the time of applying the loan dia ada existing loans pun dah cukup walaupun x de cc. Cc tu bila ur history is clean kosong tak de history to refer tu then some bank officer will ask u to get a cc tu yg paling senang and cepat to check. |
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Tengok anak muda skrg berbelanja kita yg risau.. kedai mkn korean/jepun penuh aje siap menunggu.. byk ye duit derang mkn2 kat mall.. icity tu ramai student uitm/msu tgk cara derang kita yg takot. Kita nih dh tua2 mmg dh x de hutang psl tu la bwk ank cucu mkn sana sini tu pon kdg2 insof jgk.. tgk breakfast je rm150 kat kopitiam blm lunch/ dinner.kdg2 bwk hi-tea hotel kdg2 bwk g bercuti nk bg anak cucu happy sementara kita masih hidup.. simpan byk2 pon bkn blh bwk ke mati.. tp bdk2 skrg ni x tau la nk ckp ank orka agknya pantang ada kedai viral penuh je org.. blm beratoq kat luaq panaih2 tu! Tu semua cc la kot! |
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yup mmg ada tulis kena swipe every month, tapi meols takde pun swipe my cc every month but still dpt waiver annual fee...maybe yearly spending guna cc tu tinggi agaknya...
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midori888 replied at 25-1-2025 07:19 PM
yup mmg ada tulis kena swipe every month, tapi meols takde pun swipe my cc every month but still d ...
Ye.. ada minimum spending annually... mcm mebenk i... minimum 45k per year |
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Samerosie replied at 25-1-2025 05:05 PM
Bukan sbb kena pakai cc tuk apply loan baru boleh approved. It is only bila you apply loan, banks ...
Yes exactly... yang penting bebas riba |
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oic...meols taktau HSBC brapa min spending but mmg meols guna above 50k every year...
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midori888 replied at 25-1-2025 11:24 PM
oic...meols taktau HSBC brapa min spending but mmg meols guna above 50k every year...
I berangan... kalo lerrrrrrr dpt vss yang kuidamkan itu... i nak tutup my one and only cc ni...skang pun bayor full every month... i pakai pun sbb keje je... kalo dah tak keje, pakai ewallet or wise je la |
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meols pun ada satu jer cc...so far takde plan nak terminate the cc after retire...mana tau time retire kena masuk spital, senang guna cc utk guarantee...this Jan cc meols dah kepanasan sbb swipe almost 70k, terus merundum acc bank meols byr cc, but oklah no cc debts...meols slalu guna cc utk beli big ticket items...and of coz for travel... |
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Edited by green~tea at 26-1-2025 08:55 AM
midori888 replied at 26-1-2025 07:21 AM
meols pun ada satu jer cc...so far takde plan nak terminate the cc after retire...mana tau time re ...
Medical card bukan ke pakai GL je ke terus masuk?
I have both personal & company punya... both by AIA... yang personal tu dah byk tahun masuk, coverage unlimited, tp i tak pernah pakai... cover sampai 99 tahun....
Yang company tu biasa i pakai... pakai yg ni dulu tp coverage sampai 4 tahun selepas berhenti keje.. selalu issue GL laju je |
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meols takde personal medical card...adik meols bebel2 gak pasal nie...meols buat pekak jer...haha...meols dah allocate some fund for my medical bila retire nanti, kalu tak cukup gi spital gomen jerlah...
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midori888 replied at 26-1-2025 11:28 AM
meols takde personal medical card...adik meols bebel2 gak pasal nie...meols buat pekak jer...haha. ...
Pilihan memasing u.. i pun menyampah jugak duk bayar 380 sebulan for medical personal... husband i pun sama lebih kurang 380 sebulan..
Dah la benda redundant... i pun teringin nak stop medical card personal ni sbb kitorang tak penah claim or pakai... tp mikirkan lepas retirement nnti mmg pakai until 99.. tp i tak rasa umur i laki bini cecah 99 pun 
Anak i, i tak register personal medical card.. pakai company punya je coverage.. nnti dia 18 lah i nak register sesiap utk dia |
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midori888 replied at 26-1-2025 11:28 AM
meols takde personal medical card...adik meols bebel2 gak pasal nie...meols buat pekak jer...haha. ...
U hati2 la kalp nak subscribe new medical card sbb zaman skang ada co-payment... yang ni kot yang kena swipe pakai cc utk jaminan admission ward..
Kalo policy lama pakai GL |
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vanilacup replied at 23-1-2025 09:26 AM
Sepanjang menjadi seorang pekerja yg makan gaji ini tidak pernah terniat mahupun terdetik utk memaka ...
I selepas 10 tahun kerat kad kredit last cc under Citibank..last year applied smula maybank CC ambil yg min credit limit aje...dapat.. sbb i nak ada record as pay good master sbb nak buat HP loan nak beli kereta baru..I takde record dkt bank since semua kereta rumah full settled..last settlement dgn loan rumah dgn bank tahun 2020..
Tp bagus gak cc ni beli kan laptop study anak2 mmg gunakan yg 0% tu..kiranya 300 aje sebulan dan bagusnya baki kredit dikira the whole amount
Cc ni mmg i fully utilised every month.. tgk2 statement every month mmg i bayar cc shj 4-5k...haha..tanpa sedar... |
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Ambik la yg zero annual fee.. bagus jugak guna cc untuk pembelian.. sebab insured, ada yg bole spread payment, dapat point, dapat facilities etc.. yang silapnya pergi biar terbenam dan bayar minimum.. udahnya amaun hutang tak luak, bunga kena bayar.. |
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medical card and insurance semua tu pilihan masing2...
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oh yer ke...my plan swipe cc for admission because meols nak byr sendiri the final bill nanti...
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haah chuols. kwn iols pakai ambank, mmg seronok dia kata. 0% installment masa pkp and pasca pkp tu pun best. even below 500 time pun boleh buat installments.
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chuols! mahalnya harga emas skrg. untunglah chuols.
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Edited by Samerosie at 27-1-2025 09:46 AM
Ej jab adik you loan bank kan beli keta? Bukan you pun citer beemer you interest dia low sampai cannot lepaskan peluang pakai loan tu ke? Tu tak kira riba juga ke? Or just credit card je yg riba?
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Edited by Samerosie at 27-1-2025 09:42 AM
I rasa HSBC akan waive for loyal customers/accounts. I dari mula kerja mmg hsbc because company MNC kan, cc annual fee mmg waived since 20-30 years ago. I mmg tak swipe pun xx amount per year as dlm t&c dia. Mine is just platinum i rasa berapa je pun annual fee.
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Post time 25-1-2025 05:05 PM
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