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Author: freekey

Berapa Hutang Kad Kredit Korang?

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Post time 24-11-2008 02:29 PM | Show all posts
start pakai umur 22, itu pun suppliment dari hubby.

sendiri just last year.. last beli handphone RM 900+..so, skrg stop dulu, habis kan yg ini..dn baru berkira nak pki.

mostly , after saya pakai, mmg saya bayar terus. so, statement selalu kosong..
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Post time 25-11-2008 08:59 AM | Show all posts
Haku kalo boleh nak kensel suma kad...tapi mana ada luit nak close suma...smlm kol eon hengat nak tanya any diskaun kalo buat full settlement...diorg kata eon mmg tak buat camtu...ada ke camtu...takpe..haku dpt bonus mmg haku akan kansel eon ni..
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Post time 25-11-2008 11:05 AM | Show all posts
wakakaka....aku dah vote......guna kt kad utk isik minyak dan shopping bila dah berkenan giler kat brg tu...x boleh tahan tuuuu........
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Post time 25-11-2008 12:40 PM | Show all posts
Dah vote. After dah guna, terus buat settlement. Nak make sure yang diri sendiri berdisiplin bila guna card.
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Post time 25-11-2008 03:29 PM | Show all posts
saya utang cc

maybank 2K  -- pasal beli laptop utk mum
hlb 2K -- pasal beli henpon adik and pasal buat braces
citibank 6 K  -- pasal beli lcd tv utk kawan
hsbc -- 0 K, utk check in hotel n booking keta kat obersea.

semua bill autopayment ke maybank cc.

insuran pun ke maybank cc.

minyak n groceries normally using cash... guna kad bile weekend sbb byk atm sudah abis wang.. huh


utang cc memang banyak... tapi saya cuba utk disiplin kan diri...

saya ade xtra cash tapi tak berani nak setelkan semua kad tu... sbb takut saya nak pakai sgt sgt duit tu nnt.

normally saya akan byr between 20 - 50% from the statement amount.

semoga diri saya berjaya..
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Post time 26-11-2008 12:07 AM | Show all posts

Balas #185 heddxis\ catat

wah beli laptop utk mak, baguslah...

tp heran sket, beli lcd tv utk kawan 6k? waaa... i nak kawan dgn u boleh tak? kot2 dpt lcd tv satu...

jk!
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 Author| Post time 26-11-2008 12:45 AM | Show all posts
Originally posted by Mylady123 at 24-11-2008 11:14 AM
Citer dulu..
semoga kalian yg pakai kad kredit amik iktibar lar..

Hutang kad kredit aku cecah 10K
bayangkan setiap bulan dpt gaji bayar kad kredit smpai takder duit nak makan..

biler nk makan .. pi kedai yg bleh bayar pakai kad kredit
pizza/nandos/big2 restoran pendek kata org tgk mcm org kaya2 lar
nak potong rmbut/rebonding takder duit pi kedai yg bleh accpt kad..
nak beli baju pi jer jusco/parkson/mana tmpat yg belh accept kad lar
nak holiday not a big problem..krdit kad ada.. sweh ajerrr

kena sangat!!!

thanks a lot for sharing you story..

part yang boldkan tu mmg possible sangat to happen.. yelah dah takda cash kan..

tapi i belum lah sampai tahap tu lagi i.e. kena pegi semua kedai yang accept kredit kad je..

tapi i dah sampai tahap takda cash nak dikeluarkan, since last week lagi..

sampai i kena makan megi kat rumah, rather than pegi makan kat luar..

fortunately, ada satu malam tu i terjumpa note RM50 kat dalam rumah.. tak tahulah sapa punya.. so, dapatlah bernafas sekejap sampai ke hari ni..

tapi macam nak beli barang toiletries.. i takda duit.. kenalah pergi watson's/guardian.. nasib baik ada dekat2 area rumah..

esok baru gaji masuk.. alhamdulillah..

just bayangkan my monthly expenditure..
kos pergi ke opis je dah RM400
duit kereta RM650
duit mak RM350

for that particular 3 items je dah habis RM1400..

pastu i pegi bayar plak RM1234 utk hutang kad kredit... wallaweiii... manalah duit i tak abis..


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 Author| Post time 26-11-2008 12:48 AM | Show all posts

siang tadi jumpa kawan.. citer kat dia pasal masalah ni..

dia kata, i ada 2 solution..
1. buat pinjaman bank untuk settlekan hutang2 kad kredit tu..
2. i tutup kad kredit sekarang dan transfer balance kpd kad baru = 0% interest


err.. dah tak baper paham plak yang no. 2 tu..


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Post time 26-11-2008 10:59 AM | Show all posts
Haku nasihatkan ko p buat personal loan tuk settle CC ni...(kalo nama ko still santekla)..cam haku ni tunggu bonus tgk dpt bape nak tutup 1 lubang...
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Post time 26-11-2008 01:24 PM | Show all posts
aku xpenah pun pake kad plstik nie...tgk kakak n abg2 aku pake mcm jeles tp bila dorang bitau utng yg menimbun,aku rase mcm lega tak pake cc nie...huhuhu..

pake cc ni kene pandai laa budget tp kalo ikut hati tu meranalah jwbnya..
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Post time 26-11-2008 04:32 PM | Show all posts
Originally posted by Mulan at 26-11-2008 12:07 AM
wah beli laptop utk mak, baguslah...

tp heran sket, beli lcd tv utk kawan 6k? waaa... i nak kawan dgn u boleh tak? kot2 dpt lcd tv satu...

jk!


utk kawan sbb mmber kawin tak tau nak beli ape utk die..

sbb both husband n wife my very good fren... hehehe

nak lcd tv satu ke... skrg ni dah murah dah kot... bole sambaq cash je....
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Post time 26-11-2008 06:41 PM | Show all posts
Originally posted by heddxis at 26-11-2008 04:32 PM


utk kawan sbb mmber kawin tak tau nak beli ape utk die..

sbb both husband n wife my very good fren... hehehe

nak lcd tv satu ke... skrg ni dah murah dah kot... bole sambaq cash je.... : ...


baiknya ko.. bagi hadiah kawen sampai 6k
hehehe.. untung jadi kawan ko yea
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Post time 27-11-2008 08:48 AM | Show all posts

Reply #191 heddxis's post

ade borang nak isi tak??? haku nak apply jadi bespren ko lak..mana tahu pasni haku lak dpt peti ais beso tu ke...
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Post time 27-11-2008 10:11 AM | Show all posts
erm,so far belum ada privilage nak pegang cc maklum rasa was2 sbb tak percaya pada tangan sendiri .selalu bayar cash and carry je!
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Post time 3-12-2008 03:54 PM | Show all posts
ALHAMDULILLAH
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Post time 3-12-2008 07:17 PM | Show all posts
sy kredit kad guna utk beli barang masa takde cash dlm tgn je..n kalau tak jumpa atm
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 Author| Post time 4-12-2008 01:45 AM | Show all posts

ada tak org buat personal loan RM3000?

personal loan tu actually mcmana eh??


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Post time 4-12-2008 09:07 AM | Show all posts
aku takde cc...
berbelanja ikut kemampuan duit di tangan je...

kalo ade cc...mesti aku lupa diri..
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Post time 4-12-2008 09:08 AM | Show all posts
Originally posted by freekey at 4-12-2008 01:45 AM

ada tak org buat personal loan RM3000?

personal loan tu actually mcmana eh??

http://forum.cari.com.my/images/common/sigline.gif
http://img03.picoodle.com/img/img03/3 ...


ade rasenye...
kalo ngan bank tak tau la ade ke tak loan utk 3k...
kalo ngan koperasi ade...
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Post time 4-12-2008 09:38 AM | Show all posts
Originally posted by freekey at 4-12-2008 01:45 AM

ada tak org buat personal loan RM3000?

personal loan tu actually mcmana eh??


buat apa nak buat personal loan..
ko tanya kat bank cc ko tu.. buat loan atas cc tu sendiri.. interest dia lagik rendah dari loan bank..
citibank ada buat camtu..
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