Sapa yg boleh hidup tanpa kad kredit?

haliamerah

sinalegna replied at 3-12-2017 01:56 PM
Prinsip aku senang je TT.. cash is king.

Takde cash takyah ar beli dlu coz confirm2 benda yg ko n ...

aah..kdng iols cam tu..xde cash xyah beli...n iols pun xde cc...gaji pun ntah layak ke idok tuk apply cc.

freesia71

Just nak citer.  Baru2 ni i dpt call from bank yg i ada CC dia. Telemarketeer nak prmote insurance utk balance outstanding CC.  The thing is, Salesgirl tu, punya la misleading.  She said, pihak bank nak BAGI insurance utk your CC, cakap laju2 mmg tak bagi kesempatan utk i berfikir.

I stopped her middleway and tanya, nak BAGI insurance ni , u akan charge my CC ke? and she said yes, with minimal premium. So i terus cakap i tak nak.
'
To me jangan la guna perkataan BAGI, but offer or propose ke. And be frank la abt the premium yang akan dicharge ke CC tu. Dia kata, call creditcard holder utk mintak izin...itupun selepas i tanya few soaalan.

Imagine kalau org tgh busy, Sales girl tu explain2, then sbb busy CC holder tu terus cakap "okay". Dgr perkataan "bagi" ingat like some freebies. Takde etika betul i rasa.

This is a bit OT but peringatan utk yg ada CC.

Happy weekend ualss.

freesia71

haliamerah replied at 21-12-2017 03:16 PM
aah..kdng iols cam tu..xde cash xyah beli...n iols pun xde cc...gaji pun ntah layak ke idok tuk ap ...

I mmg tgh mengamalkan prinsip " takde cash, tak yah beli" after baca uall punya komen.

arek

dah lama tak guna card credit.. say no to credit card

haliamerah

freesia71 replied at 24-12-2017 07:39 AM
Just nak citer.  Baru2 ni i dpt call from bank yg i ada CC dia. Telemarketeer nak prmote insurance u ...

haah..bagi is free la kan...haha..seller  ni kdng suke ckp laju2...org pun bkn blh fhm dlm sekelip mata...

mine0wez

big NO to credit card

virgocircus

Iols..pas fully settled trus cut the card into half kekdahnya..mls nk byr % tggi, ann fees n gst lagik..koser

gerbera.memopad

Seumur hidup mmg tak pernah ada CC. Kalau mohon pun tak layak kut

And, alhamdullilah setakat ni mmg aku debt-free. Syukur

Kalau ada kecemasan pun, aku pakai duit simpanan je. Tapi 1 je la pasal duit simpanan ni, nak keluar tu laju je tp nak ganti balik susahnya mcm nak byr hutang jua

freesia71

virgocircus replied at 29-12-2017 02:05 PM
Iols..pas fully settled trus cut the card into half kekdahnya..mls nk byr % tggi, ann fees n gst lag ...

Byk kali i settlekan outstanding sampai zero, tapi x brani nk potong kad takut ada emergency. Pastu..semendang terpakai balik.

freesia71

gerbera.memopad replied at 29-12-2017 02:37 PM
Seumur hidup mmg tak pernah ada CC. Kalau mohon pun tak layak kut

And, alhamdullilah setaka ...

Hahahha betulll sesangat.

xyura

tak pernah ade credit card sbb takut tak boleh nak control flow duit

Daisy_Putih

tak pernah ada credit card.

selalunya bila dapat gaji akan bayar siap2 mana2 hutang dulu. bagi parents..
lebih tu baru asingkan untuk expenses.. lebihan lagi simpan.. (kalau ada kecemasan amik sini la)

tp  ioulls ni xde komitmen sangat. single. so takde masalah lagi la..
kalau nak beli pape (yg bukan keperluan) selalu fikir banyak kali, end up x jadi nak beli. haha

freesia71

Bagusnya ramai yg takde CC.

sejuk

Takde cc sebab x layak nak apply haha

lavendermiz

freesia71 replied at 29-12-2017 07:57 PM
Byk kali i settlekan outstanding sampai zero, tapi x brani nk potong kad takut ada emergency. Past ...

Sama la kita. memang pakai credit card, lepas dapat gaji memang settelkan semua bayaran credit card and sangat jarang guna cc. banyak guna debit card je sebab tak suka kumpul hutang banyak2..tapi tak berani nak potong cc lagi sebab in case of emergency kan, tetibe tak de cash dekat tangan and debit pun tak de duit sebab gaji xmasuk lagi ke. so at least boleh la guna cc tu.

setakat ni memang pakai cc betul2 ikut keperluan..

tetiberjer

takde cc sebab tak layak.. hahahaha

cempakaa

tak berani apply cc knowing myself yang always  overspent. selalunya simpan duit sampai cukup baru beli. and gi klinik gomen je

supernaturalee

nak tny lah...

klu diberi pilihan
mana satu korang akan pilih
personal loan atau kad kredit?
utk mendptkan barang yg berharga +- RM10K
memandangkn cash gedebuk mmg korang xde

gerobokungu

freesia71 replied at 24-12-2017 07:39 AM
Just nak citer.  Baru2 ni i dpt call from bank yg i ada CC dia. Telemarketeer nak prmote insurance u ...

what happened to me last year, cakap macam F1 lepas tu paksa cakap YES walaupun kita ckp not interested, letak phone, next month smpi dkt tgn bil insurans plus muncul dlm cc statement. mengamuk la aku, bila call bank, dia cakap dia x liable untuk insurans ni, klu nak cancel kena direct call that insurance company, call insurance company byk plak soalan kenapa nak terminate, bila ckp TAK PENAH AGREE, i said no multiple times, baru la dia proses refund and cancellation. about a month after dah confirm cancel, bank call lagi, about the SAME insurance. nasib je telemarketer tu kena dgr aku berkhutbah. till now, dah xda call dari bank regarding any kind of insurance. lega. sebab cc cuma guna bila short in cash utk important matter plus utk travel. xkose aku nak bayar insurans ntah pape walaupun disogok dgn beribu riban pulangan. igt aku mata duitan ke?

gerobokungu

supernaturalee replied at 29-1-2018 12:28 PM
nak tny lah...

klu diberi pilihan

for me, i will avoid any kind of loan except housing and car. yg lain selagi boleh byr cash @ swipe card, then its ok.