►ALL ABOUT CREDIT CARD!◄

medangmru

Sumpah Gomen le....terutamanya FCUK BLAH...

pu3_krizalid

tu la..bos haku ni ntah ader increment ntah takde..risau..isk..kalo tak naik alamatnya bonus CNY dibekukan la..mampus kali ni..haku nak tanam ubi belakang umah nak pindah bln 11 ni..isk...

medangmru

Originally posted by wardatulhamra at 25-6-2008 09:12 AM
dah la lepas ni takdak dah kan, 20 hari tanpa faedah... means dulu kita ada tempoh 20 hari nak settle bil supaya tak kena faedah..

sekrang ni effect dia camane?

ada sapa yang bleh terangkan ...

aku pung sebenarnya masih kurang paham.....saper2 yg terrer English....tolong pahamkan aku ngan warda ni :-

REVISED LATE PAYMENT CHARGES & INTEREST FREE PERIOD EFFECTIVE FROM 1 JULY 2008

In light of this change , the following revisions on late payment and the interest free periods will also be applicable at the same time :-

LATE PAYEMENt CHARGES : Minimum RM10 or 1% of total outstanding balance as at statemnet date , whichever is higher

INTEREST FREE PERIOD FOR RETAIL TRANSACTIONS : 20 days from statement date-if all outstanding balance of the previous month are fully paid

NO INTEREST FREE PERIOD : If Cardholder opts to pay partial or minimum payment* , finance charges on retail transactions ** will be imposed from the day transactions is posted to the card account

* At least minimum amount due must be paid within due date and only applicablefor Outstanding retail Transactions
** Retail Transactions exclude Cash Adavance , Balance Transfer and Fl;exi Payment proggrammes.

medangmru

Tp dr segi pemahaman aku...20 hari free interest tu masih berjalan dna diteruskan.....Finance Charges masih terus dikenakan seperti biasa based on the Total Oustanding balance kita....

pu3_krizalid

isk..late payment charges dah RM10 isk..dulu RM5..biar betul..

wardatulhamra

agak agak lepas ni ramai tak lagi orang yang diistiharkan muflis...

pu3_krizalid

mseti ramai yg pi agensi kredit tu..

afja

Originally posted by wardatulhamra at 25-6-2008 09:24 AM
agak agak lepas ni ramai tak lagi orang yang diistiharkan muflis...

cemana nih ekk.....
aku ada 1 transaction easy payment nih....
agak2 leh menyumbang ke x kepada kemuflisan nih...

medangmru

toksah risau....kalau korang bayau ok selama ni....derang takkan simply isytihar bangkrap...lgpun...nak diistihar bangkrap,,,,amaun hutang kene lebey atau RM30000 ....

medangmru

erkkkkkkkkkkk.......mana thread yg aku merge tadik????

awek_amir

hanya pemegang yang bayar full dah tiada outstanding hanya dapat 20 hari free interest

Gemukkkkkkk

tak faham le circular baru ni.  maksudnya apa?

aku risaukan yang ni:

1)  20 days from statement date [if all outstanding balance of the previous month are fully paid]

2)  NO INTEREST FREE PERIOD : If Cardholder opts to pay partial or minimum payment*, finance charges on retail transactions** will be imposed [from the day transactions is posted to the card account]


makin untung je bank, camni...

medangmru

dah takder OB dah tentu arr byr full....kekekekee...ape la Bank nyer peraturan ni...

AnisSuraya

Anis dah konfius....kalau mcm anis guna cc...hari ni guna...esok lusa atau tulat pi bayar kat bank...kena interest gak ke.....

medangmru

kene.....interest dikira drpd posted date....katakan trnsaksi dibuat pada 1-01-2008 ...tp posted date ke akaun anda pada 03-01-08 katakan...so....interest akan start kira pada 03-01-2008 sampailah kita bayar .....so...alamatnya lepas ni.....kene byr cecepat....at least skit bg mengurangkan interest tu...

AnisSuraya

Kalau begitu....tak yah guna cc tu lah.....bior padan muka deme...guna cash jer ler pas ni......saja nak menyusahkan pengguna cc jer kaedahnya ni....kalau begitu.....dari beri untung kat bank yang dah mmg banyak untung....belajarlah untuk katakan tidak pada CC..

medangmru

AnisSuraya

Sakit hati betui..dah ler rakyat makin susah, makin terbeban, bank lagi nak tambah parah rakyat lagi....kang rakyat tak support...padan ler muka...jadi ler bank bangkrup...bila dah nak bangkrup...baru ler terhegeh2 nak cari customer...cehhhhhh

wardatulhamra

Originally posted by medangmru at 25-6-2008 04:23 PM
kene.....interest dikira drpd posted date....katakan trnsaksi dibuat pada 1-01-2008 ...tp posted date ke akaun anda pada 03-01-08 katakan...so....interest akan start kira pada 03-01-2008 sampaila ...

bukan ni kalo ada outstanding amount je ke? atau kita bayo minimum charges jek??

kompiuz aku.

medang..ko buat la surat ke bank ke..bank negara ke...
kata wat pe buat shell citibank cc atau cimb-petro sume tu kalo takleh pakai isi minyak

baik patahkan je semua orang bagi balik ke bank..puas hati aku!!!

nak galakkan orang bayo adalah dgn bagi tempoh free tanpa faedah tu... yang nak pi kayakan bank lagik buat pe... karang buncit semua CEO bank tu baru tau.s.ebab makan interest banyak sangat... :@

AnisSuraya

Tu arr...anis pun dah start konpius.....