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Berapa Hutang Kad Kredit Korang?

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Author: freekey       Show all posts   Read mode

Post time 6-11-2008 08:58 AM | Show all posts
Originally posted by Mulan at 5-11-2008 05:42 PM
aik princebrunei sejak bila ada financial problem... hahahahaa... lawak ke apa?

anyway, i bukan banker tapi sajer nyebok. kalau u kena bayar annual fee utk setiap kad... mmg la elok ada 1 jek  ...


1 cc elok ke..   

Macam ni citernye, mula aku guna maybank (limit rm7k - cc petronas).. ni utk kegunaan petronas dan air asia.. dah cecah rm2.3k skng..

Pastu adik aku masuk U, duit loan x dapat lagi.. nak x nak kene dahulukan laptop, beli on9 Dell kenalah byr guna cc kan.. aku confius nak guna cc yang maybank tu ke nak guna cc baru..

Last2 aku guna cimb (limit rm6k), aku ingat kalau guna 2 cc lagi ok banding 1 cc..

P/S : Skng aku kena byr rm130 untuk maybank (aku byr rm200), pastu rm150 untuk cimb (aku byr rm200), ok x nih.. nyesal, kalau tau 1 cc je
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Post time 6-11-2008 08:59 AM | Show all posts
Dah 12 orang vote utk 3001 - 5000, aku x kesorangan..
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Post time 6-11-2008 10:52 AM | Show all posts
Up ---------------------
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Post time 6-11-2008 11:25 AM | Show all posts
utang aku yg no 3 tu from 501-1,500.....aku br je start pakai thn ni masa umur aku 30 la ye....nape aku pakai? sbb aku nk beli brg keperluan yg aku mcm ssh nk simpan duit....asyik abis je duit....1st brg aku beli is washing machine stlh hampir 2 thn kawen br dpt mesin daa....heheh.....so far manageable la sbb selama ni aku xde cc ok je hidup aku.....

aku guna cc maybank sbb aku ade akaun situ sng nk byr...guna maybank2u aje...blh byr anytime xyah tunggu statement....so far kalo aku ade duit aku byr ajela...kdg 2,3 kali sbln...tp bln ni byk kali lak aku swipe so mcm dh byk sket balance dia....br ni maintain dlm 500++ gitu aje.....

tips nk pakai cc....jgn manjang je byr minimum amaun...kalo xleh byr sume...byr la 1/3 ke or bape2 la asalkan lebih dr min payment....bg aku what's the point pakai cc kalo everytime statement korang nk byr sume kan....baik xyah apply cc...pakai cash aje (kalo nk travel or xnak bwk cash byk xpela)...sbbnye kebanyakan korang yg pakai cc just for convenience ni la yg end up menanggung utang yg tinggi...kononnye pakai sbb nk collect point n xnak bwk cash.....padahal bila swipe aje terus ade finance charges on top of our expenses tu......

aku mmg terus terang aku pakai sbb x cukup duit la...tp aku akan make sure aku byr lebih every month......

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Post time 6-11-2008 02:00 PM | Show all posts
aku guna CC dah nak 5taun...
mula2 guna maybank punye jer,
pastu ter apply yg ambank punye,
bila ambank dah abis,close trus akaun yg tu,
maintain la maybank lama gak,
pertengahan taun aritu ter apply plak cimb,
so skrg ada cimb & maybank..
maybank ada lg baki 900++.....cimb ada baki 400++...

huhuhuuh
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 Author| Post time 6-11-2008 03:02 PM | Show all posts
Originally posted by izati_abc at 6-11-2008 11:25 AM
utang aku yg no 3 tu from 501-1,500.....aku br je start pakai thn ni masa umur aku 30 la ye....nape aku pakai? sbb aku nk beli brg keperluan yg aku mcm ssh nk simpan duit....asyik abis je duit... ...

tips nk pakai cc....jgn manjang je byr minimum amaun...kalo xleh byr sume...byr la 1/3 ke or bape2 la asalkan lebih dr min payment....bg aku what's the point pakai cc kalo everytime statement korang nk byr sume kan....baik xyah apply cc...pakai cash aje (kalo nk travel or xnak bwk cash byk xpela)...sbbnye kebanyakan korang yg pakai cc just for convenience ni la yg end up menanggung utang yg tinggi...kononnye pakai sbb nk collect point n xnak bwk cash.....padahal bila swipe aje terus ade finance charges on top of our expenses tu......

eh apa plaknya..

ko pun cakap kalo pakai cc tu ada finance charges.

jadi aku tak setuju dgn statement ko "what's the point pakai cc kalo everytime statement korang nk byr sume kan....baik xyah apply cc...pakai cash aje "

duit tetap duit beb.. and then what's the point kita pakai cc kononnya nak kemudahan but end up kita terpaksa bayar lebih for those finance charges tu.. betul tak?? rugi per.. tak berbaloi pun kemudahan gunakan cc kalau kita accumulate total finance charges tu.

bagi aku.. even kalau kita guna cc pun, kita tetap bertanggungjawab di atas segala perbelanjaan yang kita buat.

it's just that memang at this moment aku blom cukup duit utk balance kan balik hutang cc aku..



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Post time 6-11-2008 03:10 PM | Show all posts
Maksudnya bayar 2-3 kali sebulan lah cc tu.. aku cc yang cimb tu langsung x pernah guna lepas dah guna skali tu, aku just bayar je tiap bulan.. yang maybank still guna unuk petrol..   10 tahun x tentu lagi langsai hutang cc nih..
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Post time 6-11-2008 03:45 PM | Show all posts
First half time pakai cc nih...halamak...pi sopeng tak ingat donia....pas2 dpt statement . Then dh nk ujung taun ni ladyz dh settelkan 3/4. Tu pun coz ader buat PL kat Bank Rakyat...so now ader rm700 lebey je. so dpt gaji byr cket2 la...
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Post time 6-11-2008 04:20 PM | Show all posts
haku golongan yg kalo shopping sokmo dlm hati ckp "takpe..cc kan ada!!"   so skang duk tanggung utang la duk membayo..isk...
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Post time 6-11-2008 04:47 PM | Show all posts
Kalau katakanlah aku kuarkan duit dari cc maybank tu kat atm, brapa di caj ek.. ingat aku nak kuarkan rm2300 kat cc maybank tu terus tutup yg cc cimb.. ok x..

P/S : Ok x ni,..
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Post time 6-11-2008 05:01 PM | Show all posts
akan dicaj tuk cash advance...n interest bape % akan dicharge pada o/s ko sampaila cash yg ko amik tu langsai..tak silap haku interest tu dlm 5 % kot..lupa lak...
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Post time 6-11-2008 06:27 PM | Show all posts
tlg jgn amik cash advance dari cc.

finance charges hanya akan kena kalau ada o/standing balance selepas payment due date...cth kalau due pada 1 Nov, pastu u ada o/standing balance cth dlm RM1000 (lepas bayar berapa2 yg korang bayar tu), finance charges akan mula dikira... kalau citibank dia amik 18% setahun, atau pun 1.5% sebulan. next bill dtg, u akan tgk ada 1000 x 1.5% utk finance charges. ini kalau u guna cc UTK SHOPPING.

kalau u amik cash advance, finance charges akan start dikira dari mula u cucuk duit kat ATM... takde tunggu payment due date baru nak mula kira...

so hati2 ler... korek lubang utk kambus lubang lain tu kerja yg hampir sia2 la pada i.

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 Author| Post time 6-11-2008 09:08 PM | Show all posts

cash advance dari cc tu amende nya lak??


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Post time 6-11-2008 09:26 PM | Show all posts

Reply #113 freekey's post

u taktau ker? pelik nya...

anyway, cash advance dari cc tu... duit tunai yg u amik dari bank yg provide the cc 2u lah.... mcm personal loan takyah isi borang bagai... biasa kecik je amount diorang kasik & jumlah tu akan dicampurkan dgn credit limit... jadiklah COMBINED CREDIT LIMIT..

cth: credit limit (beli barang) ada 10K. pastu ada cash advance limit (amik cash from the cc provided, using the cc as ATM card) ada limit 3K so combined credit limit ader laa dlm 13K gitu... cash advance ni interest rate dia mula kira dari saat u amik cash kat ATM tu la... tak tunggu2 dah mcm int charges yg beli brg tu dia ada timeframe utk bill kan u... lps diorang bill kan, ada pulak grace period dlm 21 hari utk u bayar (due date tuhlah)...

freekey: u pakai swipe cc kiri kanan tak tgk bill/T&C ka? takkanla... i pun tak fikir citibank kasi service & TnC berbeza sgt dari Maybank?

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 Author| Post time 6-11-2008 09:46 PM | Show all posts
Originally posted by Mulan at 6-11-2008 09:26 PM
u taktau ker? pelik nya...

anyway, cash advance dari cc tu... duit tunai yg u amik dari bank yg provide the cc 2u lah.... mcm personal loan takyah isi borang bagai... biasa kecik je amount dio ...

kan?? that's why lah i choose FREE-KEY as my nick.. FREAKY i.e PELIK

A'ah lah Mulan.. I ni jenis yang agak malas membaca actually.. Ada benda2 tertentu je yang I rajin baca..  But for sure a large block of text (as the T&C) doesn't attract me to read..

Thanks for your info anyway.. I mmg tak tahu pasal benda tu.. Dan rasanya tak perlulah kot I nak tahu as you said kita akan lebih mengkayakan bank by that way..

Cuma.. Yang I pernah dapat drpd Maybank ialah.. Dah 2 kali dia hantar check kat I bernilai RM2000.. Memula tu I peliklah kan.. Eh apsal plak tetiba dpt check ni.. Then I tanya kawan... She said that is another representation of a bank loan..



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Post time 6-11-2008 10:26 PM | Show all posts

Reply #115 freekey's post

heheh... takper la skrg dah tau... mmg bank pandai kasi umpan suruh org berhutang... i dpt brp keping cc diorang antar... tak apply pun tapi once kita swipe cc yg diorang antar tanpa diminta tu, maknanya KITA SETUJU ...

geram kadang tu sbb ada juga dia call berkali2 offer kad (masa tu dah ada Mastercard), offer kad VISA lah, kad biru lah, kad jarang (tranparent) lah.... siap taknak terima pulak bila i ckp takmo, cukuplah 1.

org bank ckp napa tak amik lagi kad, blh ada credit limit byk... i kata kalau nak kasi credit limit byk,tambah jek cr limit pada cc yg dah ada.... takleh pulak dah... mmg la bank nih... masa nak galakkan kita berhutang, kemain lembut gigi dari lidah.. pastu bila kita tersepit sikit, HARAM diorang nak consider berlembut...


sorry yer bank employees....
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 Author| Post time 6-11-2008 10:59 PM | Show all posts

Reply #116 Mulan's post


U ni bleh digelar Ratu Credit Card.. ehehe..

Ratu in a positive meaning..


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Post time 6-11-2008 11:17 PM | Show all posts

Reply #117 freekey's post

ler ... ratu cc ler pulak...  
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 Author| Post time 6-11-2008 11:23 PM | Show all posts
Originally posted by Mulan at 6-11-2008 11:17 PM
ler ... ratu cc ler pulak...  

Coz it seems you know well about credit card..

Ntah2 u ni pun ex-bankers kot?



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Post time 6-11-2008 11:49 PM | Show all posts

Reply #119 freekey's post

hehee... takdelah ex-banker pun... study biz admin - major acctg, kerja bab marketing.. & byk experience kena target dek salesperson... masa i study dulu pun dah pakai cc... credit limit 500$ jer...

cuma 1 jek nak tambah, kalau kita mendalami Islam, cc ni haram sbb kita sign up for a service that involves interest (ribaa)... tp sbb kita msians dah terlalu biasa guna bank services, kita anggap menda2 interest tu biasa jek...

cc providers kat mesia i taktau... tapi cc kat usa, org Islam call cc providers ckp takleh bayar interest charges sbb against Islam, bank diorang boleh terima tau.. meaning takyah bayar, cuma perlu bayar apa yg depa beli je... kalau yg strict muslims mcm salafi, diorang terus mmg taknak pakai cc... bukan sbb tak mampu ke apa, tapi sbb mmg takmo sign up for something having to do with paying interest...

kat msia ni tah ler... so far i tak pernah kena interest charges sbb bayar full sokmo

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 Author| Post time 6-11-2008 11:54 PM | Show all posts
Originally posted by Mulan at 6-11-2008 11:49 PM
hehee... takdelah ex-banker pun... study biz admin - major acctg, kerja bab marketing.. & byk experience kena target dek salesperson... masa i study dulu pun dah pakai cc... credit limit 500$ jer ...

oh i see..

patutlah pun..

thanks for the info..

bestlah kan kalo mcmtu.. takyah bayar interest.. ermm tp kalau nak ikutkan dr segi perniagaan.. mmg mcmtulah pun kan.. :re:

abistu dr mana bank nak buat bisnes?

bila u cakap pasal interest tu baru i teringat nak tekan button report soh mod bg u kredit..



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Post time 7-11-2008 12:15 AM | Show all posts
Originally posted by freekey at 6-11-2008 11:54 PM

oh i see..

patutlah pun..

thanks for the info.. http://img01.picoodle.com/img/img01/3/11/1/aimy/f_tqm_bcc85fd.g ...


check ur pm,nyah

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Post time 7-11-2008 08:26 AM | Show all posts
tq freekey & mod auntie-girl ... dpt tacang dah... kalau boleh beli brg dgn tacang tu kan best... makin gigih la kita berporem... sampai ketar2 kepala gitu

mod get well soon... jgn nakal2 nanti retak lambat sembuh laks
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Post time 7-11-2008 09:27 AM | Show all posts
Originally posted by Mulan at 7-11-2008 08:26 AM
tq freekey & mod auntie-girl ... dpt tacang dah... kalau boleh beli brg dgn tacang tu kan best... makin gigih la kita berporem... sampai ketar2 kepala gitu

mod get well soon... jgn naka ...



ok....tq

nanti mak usya2 1-1 page dulu ek

tq sbb share ur knowledge here
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Post time 7-11-2008 09:29 AM | Show all posts
Originally posted by freekey at 1-11-2008 03:44 PM

Thanks for your comments..

Antara big thing yang aku rasa aku mmg perlukan credit card ialah bila bayar insurans dgn roadtax keta.. nak dekat RM1000 woo.. mana aku nak cekau duit sekelip mat ...



lesap as in  hilang or lesap as in ko berbelanja?
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