►ALL ABOUT CREDIT CARD!◄

wardatulhamra · Post time 19-8-2008 09:28 AM

aku, biorlah aku kurang simpanan asal hutang takde...

gitulah, sejak aku settlekan belen kad kredit aku yang riban riban dluk (sekejap je licin duit semata mata buat bayo utang)..

aku rasa takpe simpanan takde asalkan tak hutang keliling pinggang..

so kalo ko ada duit, ko bayo je lah sume guna simpanan...

nanti menabung lagi dan jadikan pengajaran...

skrg pun, aku kalo guna CC, mmg pulun dan pakai bagi anggar cukup utk bayo tiap tiap bulan..cukup dah hutang aku bertambah sebab interest tuuu

rileks · Post time 19-8-2008 10:10 AM

kalau aku ..aku setel guna saving.. dr bulan bulan nnt bank charge interest...

quedac1 · Post time 20-8-2008 09:51 AM

Terima kasih atas pandangan korang semua. Aku hargai pendapat korang dan buat masa nih aku still buat sedikit lagi analysis guna fish bone teknik ...

myjieja · Post time 21-8-2008 12:37 PM

saya ada apply yg PB 0% interest tu..mmg btol2 save mmg dah tak ada rasanya bank selain PB yang boleh buat balance transfer 0 interest tu..tp dlm 1st bil akan ada charge sekali ajek..kalo tak silap 6% drpd balance transfer yang kita buat.. interest dia dah charge kat 6% tu laa..kalo bayar full amount 6% tu..so next bill kalo disiplin bayar ikut plan yang kita pilih 24 month..kalau transfer 4000 kita akan bayar 4000 jgk ngan tanpa interest..so awal tahun depan abis laa..utang aku ngan PB nie..selamat lagi satu aku punya kad kredit.lepas tue..terus gunting2 campak masuk tong sampah...

bungacengkih · Post time 22-8-2008 09:30 AM

tolong aku dan bagi cadangan.

aku ada hutang CC dua bank. satu maybank, satu lagi CIMB.
dua2 dah over limit. 6k setiap satu card.

tetiap bulan aku bayar 5%. tapi aku keluarkan duit atau aku guna. kadang2 aku bayar kad CIMB, pehtu aku kuarkan utk bayar maybank.

aku takde saving. gaji aku pun tak seberapa sangat.

tolong aku camne aku nak setelkan ek?

medangmru · Post time 22-8-2008 10:36 AM

jumpa pihak Bank dan try appeal tuk convertkan Oustanding balance tu ke Easy Payment ...maksudnya...kalau utang kad CIMB dlm RM6000..try convert ke easy payment 36bulan ke...48 bulan ke...so..takder pening kepala nak byr minimum payment 5% dan bulan depannya baki bertambah akibat dr Monthly Charges 1.5% tu.....

bungacengkih · Post time 22-8-2008 11:25 AM

thanks medang...

aku dah call CIMB tu untuk convertkan utang CC. dia soh faxkan surat yang mengatakan aku nak convertkan utang then nanti dia akan call utk bagitahu.

btw, kita boleh ke tentukan nak berapa bulan seme tu?
atau dorang yg fixedkan?

takot nanti bayar bulan2 tapi tak mampu plak

medangmru · Post time 22-8-2008 11:32 AM

pasal penentuan braper bulan tu....ko boleh appeal dan bg cadangan sampai braper bulan yg ko nak. Cuma final decisin will up to the discretionary bank tersebut. Try mintak dalam 48-60 bulan cam gitu.

quedac1 · Post time 28-8-2008 12:09 PM

Maybank Islamic IKHWAN Card
Discover how a new friendship can enrich your life's experiences

Introducing a new friend, “Ikhwan”, a special friend that enriches your life’s experiences. An Islamic card based on the Shariah principle of Bay’ Al ‘Inah which, literally, means sale with immediate repurchase. The principle governs the payment of the facility over a fixed period. It works the same way as any other credit card. It is accepted worldwide, can be used for everyday spending on anything from meals and petrol to paying for a holiday.

With Ikhwan, you not only have the opportunity to spend on yourself and your loved ones, but you also give, share and care for those around you whenever you use your card.

Ikhwan is inspired by the five values: Charity (Sadaqah), Travel (Ziarah), Protection (Takaful), Savings (Al-Tawfir) and Sharing (Musharakah) while simultaneously offering modern, progressive banking convenience that fulfils the Islamic Banking pledge.

Ikhwan offers you all Maybank’s benefits and privileges, including EzyPay 0% interest instalment plans and TreatsPoints redemption, and much more. You also get to contribute to charity, see the world while enjoying halal facilities, protect yourself and your family from the unexpected, save for tomorrow today and redeem exclusive privileges, benefits and products for friends and family. In Ikhwan, you have a friend indeed.

quedac1 · Post time 28-8-2008 12:11 PM

FREE Annual Fee for Life
Own a Maybank Islamic IKHWAN American Express or Visa now and enjoy no annual fees for life with 12 transactions per year.

FREE Maybankard Zing Card
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VISA PAYWAVE
Make your purchases speedier and simpler by waving your Maybank Islamic Ikhwan Visa Card at participating merchant outlets with the Visa Wave logo.

MAYBANK ISLAMIC AUTO PAYBILLS
Bills are automatically charged to your Maybank Islamic Ikhwan Visa Card, giving you the convenience of paying your bills on time.

BALANCE TRANSFER PLAN
Transfer outstanding balance into your Maybank Islamic Ikhwan American Express or Visa Card from your other credit cards to enjoy great savings.

MAYBANK ISLAMIC IKHWAN CARD TREATS
Special deals and great rewards from dining, shopping, golf to health treats all year round.

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Earn e-Coupons to redeem treats, and receive discounts and items at participating merchants.

TREATSPOINTS
Earn one TreatsPoints for every RM1 spent with Maybank Islamic Ikhwan American Express or Visa Card on all retail transactions. Plus you can earn 2X TreatsPoints for every RM1 spent at Telekom Malaysia (TM Homeline, TMPoint and TMNet), HSL Electrical & Electronics, Victoria Station, Sri Ayutthaya Restaurant and Subway Café.

HOTSPOT
Use your TreatsPoints to redeem gifts on-the-spot at over 300 HotSpot locations nationwide.

M2U MOBILE BANKING
You can accurately access, view your credit card balance or pay bills to over 500 corporations with your Maybank Islamic Ikhwan American Express or Visa Card while on the move, anytime and anywhere.
*you must have a mobile phone with GPRS or 3G access (Java, MIDP2.0).

quedac1 · Post time 28-8-2008 12:13 PM

5 Value Propositions

Maybank Islamic Ikhwan Card is inspired by 5 additional value propositions:

Charity
Sadaqah > Donate through your Islamic Ikhwan card or by TreatsPoints to selected charity organizations

Travel
Ziarah > Tour programmes to Islamic historical places, Middle East countries

Protection
Takaful > Special packages on Takaful insurance

Savings
Al-Tawfir > Special EzyPay and Balance Transfer deals all-year round

Sharing
Musharakah > Earn TreatsPoints with Ikhwan and you can enjoy privileges and redeem products for you,
friends and family

quedac1 · Post time 28-8-2008 12:20 PM

Alhamdulillah, sekarang sudah banyak pilihan bagi pengguna Islam untuk berpegang kepada prinsip syariah.
Satu lagi pilihan ada untuk bermuamat berprinsip syariah, selain Maybank, AmBank, Bank Islam dan BSN telahmemperkenalkan kad kredit patuh syariah.

AmBank > Al Taslif
Bank Islam > Bank Islam Card
BSN > Al Aiman
Maybank > Ikhwan

Mari kita buat perbandingan antara kad2 terebut ...

kashaz · Post time 28-8-2008 11:28 PM

Originally posted by medangmru at 22-8-2008 10:36 AM
jumpa pihak Bank dan try appeal tuk convertkan Oustanding balance tu ke Easy Payment ...maksudnya...kalau utang kad CIMB dlm RM6000..try convert ke easy payment 36bulan ke...48 bulan ke...so..tak ...

erm, yg aku tau,b4 ni ade external company yg offer utk convert to ezy payment nih..
but now,ade dpt notis dr b.islam,bgtau klu nak convert, call sekian2 person..

now bila baca ur post, kiranya mmg semua bank offer ke wat ez payment? tp b.islam je dpt offer.bank lain kena call service centre ke?
apa proses dia ek?

klu yg external tuh, ade caj..beratus2 gak..
dan klu dah amek ez payment,means xleh guna dah ke cc tuh?

kashaz · Post time 28-8-2008 11:29 PM

xnah tau lak ikhwan maybank.bila kuar?

yg lain2 tu,setau aku beza interest caj je la..yg samanya,xde compounded interest

medangmru · Post time 29-8-2008 07:46 AM

tak semua bank maksud saya...tp setiap Bank ada level of flexibility derang ...ada yg ok...ada yg tak...so...rasanya tak salah kita cuba kenen2 Bank ....kekdahnya cam buat rayuan la....tp bIasanya Bank ni akan bg yg terbaik tuk kita....drpd derang reject application kita tuk wat AZ payment dan duit dapat tak menentu dr yg meminjam....adalah lebih baik buat Ezpayment dan dah tentu dpt payment dr peminjam...tul tak....

quedac1 · Post time 29-8-2008 10:57 AM

Aku setuju ... bank dalam keadaan begitu nak balik working capital derang dan sedikit keuntungan daripada terus kerugian.

medangmru · Post time 29-8-2008 11:07 AM

kashaz · Post time 29-8-2008 11:57 AM

so bank ape so far yg ade offer gitu?
as for me,tau b.islam ade offer..

medangmru · Post time 29-8-2008 12:23 PM

buat je appeal letter kat bank......rasanya Bank tak official announce boleh wat mende ni...sbbnya mudah...kalau semua bank wat camni....gerenti lebih separuh yg akan buat camni ....keuntungan bank masih dapat tp kurang skit la...

kashaz · Post time 29-8-2008 10:54 PM

baru masuk m2u..
baru prasan depa promo ikhwan.. ader american express n Visa je..

and baca paper arini, bank rakyat pun kuarkan kad kredit islamik..
rate xsure..tp ade rebat utk umrah,n apelagi ntah..different la benefits dia dr islamic card yg lain