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Sapa guna kad kredit??

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Post time 22-5-2017 12:08 PM | Show all posts |Read mode
hi suma..saya nak taw spa2 yg guna kad kredit...mcm nk apply,skrg ssah la nk kluar shopping bwak tunai..bank apa yg awk suma guna? bank yg okay?sbb rmai ckp pkai kad kredit ada jgk bnfit2 lain dpt kn..ada cdangan dialu-alukan.
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Post time 22-5-2017 12:25 PM From the mobile phone | Show all posts
Pendapat peribadi saya....jangan lah terjebak dgn kad kredit. Kalau sekadar nak shopping dan tak mahu bawa cash byk2, boleh jer guna kad debit. Berbelanja ikut kemampuan supaya tak menjerat diri dgn hutang piutang
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Post time 22-5-2017 12:29 PM From the mobile phone | Show all posts
Baik guna debit kad..credit payah..like I..shopping tak henget..hujung bulan  gigit jari
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Post time 22-5-2017 12:45 PM From the mobile phone | Show all posts
Nak guna kad kredit jugak takpe, asalkan pandai2 sedar diri.. ada org guna cc ujung2 bankrap, byk sgt utang xle settle.

Tp kalu nk jgk apply, sila pegi je kt mana2 bank, bwk slip gaji 3 bln berserta surat pengesahan majikan, isi borang yg berkenaan dah tu blk, kalu permohonan uoll diluluskan nanti bank contact semula. Selamat berjaya!
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Post time 22-5-2017 12:47 PM From the mobile phone | Show all posts
Try bank hsbc, cimb..maybank jgn..sebulan lambat, dia kejar kita mcm along
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Post time 22-5-2017 12:49 PM | Show all posts
i pkai maybank..apply online kat website maybankto2...pastu diorg pos kad sampai rumah...
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Post time 22-5-2017 12:58 PM From the mobile phone | Show all posts
Untuk pengukuhan ekonomi negara... i suggest cari cc yang takde annual fee..

Sekian
Dari i yang pernah terjebak dengan cc
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Post time 22-5-2017 01:09 PM From the mobile phone | Show all posts
tengku_anggun00 replied at 22-5-2017 12:49 PM
i pkai maybank..apply online kat website maybankto2...pastu diorg pos kad sampai rumah...

maybank2u kan?
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Post time 22-5-2017 01:11 PM | Show all posts
Boleh jer nk guna CC, tp kena ada disiplin. If rasa2 x berdisiplin, baik x usah...
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Post time 22-5-2017 01:12 PM From the mobile phone | Show all posts
suhada10 replied at 22-5-2017 12:08 PM
hi suma..saya nak taw spa2 yg guna kad kredit...mcm nk apply,skrg ssah la nk kluar shopping bwak tun ...

Pakai debit card je la.. senang... Xyah penin pala nk bayar balik ujung bulan nnt...
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Post time 22-5-2017 01:14 PM From the mobile phone | Show all posts
Exceli Credit card relevan juga cuma hati hati ketika berbelanja gitu
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Post time 22-5-2017 01:18 PM | Show all posts
bahaya kad kredit niiiiiiiiiiiiiiiiiiiiii
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Post time 22-5-2017 01:20 PM | Show all posts

yap, apply kat ctu jaaa...
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Post time 22-5-2017 01:21 PM | Show all posts
pakai kad kredit ni kene beringat
kalau duit member pon liat nak bayo
simpan je cita-cita nak buat kredit kad
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Post time 22-5-2017 01:34 PM | Show all posts
actually pakai bank mana2 pun benefit lebih kurang sama, cuma cari yg takde annual fee, ada cashback bagai..kalau boleh buat cdt limit tu 3-4k je...
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Post time 22-5-2017 01:35 PM From the mobile phone | Show all posts
ai suggest maybank cimb..maybank banyak tempat offer zero interest installment...berbaloi sngt...cimb dapat rebate banyak jugak..

cuma kena disiplin...make sure tak kena interest...baru berbaloi..jgn bayar minimal payment sebab interest cc ni sangat tinggi..17persen...so kalau tak bayar habis hutang u akan beranak pinak macam tikus..

so tepuk dada tanya selera...
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Post time 22-5-2017 01:38 PM From the mobile phone | Show all posts
Aku guna kad kredit Masa memerlukan je.  Contoh hari tu aku nak tukar tayar tak cukup duit.  Aku pun gunala kad kredit. Lepas tu aku bayar 2 Kali la Kat bank nak setel semua harga tayar tu. Klau untuk shopping memang tak guna pun.
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Post time 22-5-2017 01:49 PM From the mobile phone | Show all posts
Aku dah 10 ke 11 tahun kot pakai CC..UOB CC..so far tak ada masalah pun yg penting kena pandai displin diri (tapi kekadang terbabas jua) n bayar la on time
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Post time 22-5-2017 01:54 PM | Show all posts
kad kredit akak guna untuk tuang minyak dan beli barang dapur je. barang personal guna cash.. bahaya guna kad kredit shopping.. mmg akan lingkup.. ada sampai kena simbah cat.. ada sampai kena kejar tarik kereta
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Post time 22-5-2017 02:14 PM | Show all posts
iols cadangankan TT ni pakai citibank or maybank. i nak share mcm mana i pakai kad kredit tapi TT kena la BERDISIPLIN. Every month kena bayar statement penuh. jangan tinggal sesen pun nanti kena interest.

iols bg contoh. every 14th of the month bank akan generate iols punya statement. let say statement rm500. payment due date 2 weeks after statement contoh 04th of the following month. iols akan bayar penuh rm500 tu pada 30 or 31hb before due date. after due date nanti kena interest. bayar pakai m2u jer pun

card yg iols cadangan:
1) maybank american express. kad ni annual fee waives. nak apply kena gaji at least RM2,500. yg best pasal kad ni 5% rebate on weekend spending. (apa2 jer transaction on weekend) contoh beli barang ka lazada rm100. 5% tu akan dapat balik (RM5) akan appear dalam next month statement. pastu amex ni dapat 5x maybank point boleh tukar mcm2 barang n voucher kat website maybank

2) maybank master islamic. kad ni pun sama annual fee waives. gaji pun at least rm2,500. kad ni dapat 5% rebate beli petrol and grocery (giant, tesco, mydin) on friday n saturday.

3)citibank visa clear. kad ni mcm senang sikit nak apply. tapi ada annual fee rm98 kot. tapi boleh call bank mintak hapus. kad ni boleh beli muvie tiket gsc or tgv buy 1 free 1 on friday. pastu beli coffee bean mon-friday buy 1 free 1..

nak pakai kredit kad boleh. cuma kena disiplin. jangan over spending & pemalas nak bayar hutang.
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