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TIPS penggunaan Credit Card

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Author: abgzan    From the mobile phone    Show all posts   Read mode

Post time 19-8-2008 05:03 PM | Show all posts

Reply #219 quedac1's post

IMO....baik ko amik offer Maybank...tapi klau saving kau puluh ribu, better ko bayar terus,
kalau saving ko dalam5k, better buat balance transfer...

-my 2 sen-
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Post time 19-8-2008 05:19 PM | Show all posts
Originally posted by Eastern at 17-8-2008 07:53 PM
Aku tak pernah guna CC...baru nak apply. Aku rasa tak guna sangat CC nie. Just nak wat in case emergency je

Tapi aku tak tau mana yang better...CC Maybank atau CC BIMB?? Kalo kita tak guna CC  ...

aku nak jawab soalan forum legend ne, segan la pulak
tp aku x pakai cc mybnk / Bimb...aku cume pakai StndChrt je...
klau nak buat sbg emergency case baguslaa...TAPI...dugaan dari CC ne kuat..
sebab bank dah letak "hantu raya" kat dalam CC tu...  so...
kalau stakat ada CC x pakai pun x guna...better camne laa..

-ada cukup cash utk belanja,bayo bill n lain2, tapi bajo pakai CC,so duit tu bole bayo balik cc tu nnti
-dapat mata point, so bole kumpul utk bayo annual fee, -1 hal settle
-time bayo kene full settlement utk elak interest...

-disadvantage= slalunya CC ne dtg ngan insurans, so ko kene charge jugak
-advantage=ko dpt insurans coverage..n "backup" personal finance...
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Post time 20-8-2008 10:22 AM | Show all posts
Originally posted by mytrade at 20-1-2008 12:37 PM

walauapapun aku prefer CC BIMB sbb aku pentingkan cash advance dia....klu melalui ATM BIMB setiap RM1000 cuma caj RM12...ATM lain 3% atau RM50 mana satu lbh tinggi...
Klu BSN plak...dia caj RM50 setiap RM1500 klu tk silap..tk igt dah...

skang dgn caj kad Rajhi dan CC BIMB aku leh cash advance dgn free interest hampir 5 bulan cuma bayar caj withdraw jer....... ...


sape tau bape CIMB cas kalu kita kuar duit pakai cimb punya cc

tq
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Post time 20-8-2008 01:03 PM | Show all posts

Reply #223 al-asil's post

Biasanya 5 % dari amaun yang dikeluarkan.
Dan amaun yang boleh dikeluarkan kebiasaanya separuh dari kredit limit yang bank offer.
Misalnya CIMB offer you limit sebanyak RM3K jadi maksimum yang boleh dikeluarkan sebanyak 1.5K saja dan caj dikenakan pulak sebanyak 5% X 1.5K = [do your math]
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Post time 29-8-2008 09:48 AM | Show all posts
klu x slap i le kan...CIMB pnya cc bleh ambik cash advance 80% dr  limit kita...
hr tu ada tnya staff dia....tp x pasti plak brape charges....klu tak silap min RM15 @ 5% mane lbih tinggi.....
ok gak klu emergency case....tp rugi .....int kira dah....pd hari yg kita guna.......
klu cash advance lg le....kn byr that cash advance fees plus interest....
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Post time 30-9-2008 05:33 PM | Show all posts
boleh tak sesape ajar camner cara dorang kira interest kad kredit kita.. aku ader terbaca kat  terms and condition dia..

boleh tak terangkan ayat ni..

"1.25% sebulan bersamaan kadar 15% setahun, atas jumlah baki semasa dimana pemegang kad telah membayar secara tepat pada masa untuk pembayaran minima perlu dibayar selama 12 bulan berturut2"

time kasih..
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Post time 13-10-2008 04:13 PM | Show all posts
akum.. macam ner nak suh bank naikkan credit limit cc ... aku nak kena outstation nie... dah le lepas raya tengah pokai nie... cover duit minyak dgn hotel dah ler.. claim bayar balik..
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Post time 14-10-2008 11:31 AM | Show all posts

Reply #227 schumacher's post

nak naikkan credit limit?...ko pakai cc bank ape?
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Post time 15-10-2008 11:35 AM | Show all posts

Balas #226 ffgamerz\ catat

maknanya...klu  byran ok 15%....klu x kena 18% le......
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Post time 17-10-2008 06:01 PM | Show all posts
Originally posted by BlackScorpian at 14-10-2008 11:31 AM
nak naikkan credit limit?...ko pakai cc bank ape?


aku pakai maybank... nak kena out station banyak bulan depan.. takut tak cukup cash... tapi semua tuh bleh claim kat opis...
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Post time 21-9-2015 01:32 PM | Show all posts
ada lg hutang CC 2k...seksanya nk hbs...

hjg bln ni dpt kutu trs byr hbs..

CC tu dh gunting 2...xnk guna dah hahaha....
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Post time 17-10-2015 07:31 PM From the mobile phone | Show all posts
Saya biasa cashlite..mcm amik loan n bayar bulanan..contohnya utk staun ke..so interest dia 4endah sikit berbanding cc interest tu..tp pastikan bayar dengan tepat la bulan2 tu..so skarang ada lg hutang aeon..patutnya dah clear hr tu..tiba2 terguna pulak..hu..hu..
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Post time 1-11-2015 12:58 PM From the mobile phone | Show all posts
kesimpulannya.... Say no to credit card..
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Post time 7-11-2015 08:01 AM From the mobile phone | Show all posts
I ade tiga kad kredit..2 cimb 1 maybank..sayang tiga2..satu kelebihannya cash rebate, 2 lagi ade petronas rebate..yg maybank tu guna untuk bulan2 zero instalment
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