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PERSONAL LOAN VS BALANCE TRANSFER
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Post Last Edit by bellaluna at 21-6-2011 15:56
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Errrr....panjang nak jawab ni....
Perbezaan dia mudah amat....
Balance Transfer.( BT )..kita transfer any outstanding balance credit card Bank lain ke Kredit Kad yg ko nak wat BT tu....sbg contoh...Kalau kredit kad yg nak wat BT tu ko boleh transfer maksimum amount sampai abih limit LOC ( line Of credit )...katakan RM10K...dan ko ada 4 kad kredit lain yg ko nak zero kan outstanding Balance...ko cuma kene bayar kat Satu Bank aje la....So Kad Kredit lain tu leh la ko terminate...
Tp kene ingatkan gak....kene tgk interest rate nak wat Balanace Transfer tu....ada bank yg offer rendah...ada bank yg offer tinggi...dan Ada gak bank yg OFFER 0% interest sampai satu tempoh ( 6 bulan katakan )...so untung la...
Cuma kalau wat BT ni...takder la nak merasa duit kat tangan...hehehehe
Kalau Personal Loan ....takkan ko tak tahu kot....buat pinjaman....pehtu settlekan Outstanding kad kredit ko.....
Cuma...ko kene teguhkan iman...ye lah...kalau ko pinjam personal Loan RM10K...duit dah ada byk kat tangan...nanti2 plak ko pikir ke lain...."alah....byr skit lah tuk settlekan kad kredit yg satu ni....kad kredit ni aku bayar penuh...".....
Bahaya Wooo duit bebanyak kat tangan ni.....elok2 nak settelkan semua utang trtunggak...nanti makin tertunggak plak .....
SO,....pendapat aku....better buat Balance transfer berbanding Personal.....
Itu pendapat aki...pendapat org lain mungkin berbeza... |
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Public bank is da best.....:pompom: |
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Public Bank pernah buat Balance Transfer with 24 months interest free....0% tuh.......cuma dikenakan prossesing fee yg ciput jer..... |
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Skang ni CIMB bank sedang wat promosi Balance transfer...6 bulan 0% interest... |
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4# wineps
PB is da best for BT ke?? |
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4# wineps
PB is da best for BT ke??
bellaluna Post at 4-12-2009 04:49 PM 
yup...selak thread yang lepas² aku penah bagitau pasal kelebihan PB nie....yang terNow depa offer swipe dulu baru bayo AKA convert to easy payment....ada 3 option....aku ingat 1 jer...1 tahun cuma charge 3% jer....contohnya korang beli barang kata laa abih 3K pastue call CSO depa pastue cakap nak convert ke easy payment...... |
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Post Last Edit by wineps at 4-12-2009 16:57
4# wineps
PB is da best for BT ke??
bellaluna Post at 4-12-2009 04:49 PM
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Post Last Edit by bellaluna at 21-6-2011 16:08
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2# medangmru
betul betul betul.
ade bank kasi 0% untuk bbrp bulan untuk BT. |
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aku pun nak wat balance tranfer dr eon 2.5k, rhb 3k ke bank mana? susah plak nak byr byk2 bank hehe |
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actually, mostly bank akan reject application kita untuk buat kedit card bila tgk kita x smoothly byr kredit card sedia ada ni..so mcm mana nk buat balance transfer kalau susah nk lulus application.. currently i guna aeon credit ...bapakkk mahal interest..dh la customer service hari2 call n quite rude! |
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aeon bapakk ler mahaalllnyeee, bole ker kita buat BT dr aeon ke mane2 cc bank? |
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Boleh je Ridd.....takder masalah....cuma kita kene ada Kad Kredit dr Bank lain yg tawarkan promosi Balance transfer ni.....bukannya kira interest rate dr AEON Bank...interest rate dr Bank yg kita nak transfer tu.... |
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bl buat BT tu.. jgn la pulak CC tu diguna semula..
sbb bl buat BT.. CC tu dh totally jd zero...
elok potong ajer terus.. guna 1 or 2 CC ajer..
like my friends.. ader 5 cc.. semua over the top.. 3 gold card...
u can imagine how much the total amount kn...
time senang.. blh la bayar.. time x senang, sendiri mau ingat la.. |
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Ni tigger punya pengalaman.. pernah buat balance transfer and personal loan..
Masa buat personal loan memang habis bayar suma hutang cc.. kira x de hutang selain dari personal loan tapi memang letih la nak bayar kat bank sampai 5 tahun baru habis.. Masa tu suma cc dah potong except satu jer la sbb takut kalau ada emergency nak pakai ke kan...
Tapi kengkadang x emergency pon pakai gak.. nafsu la katakan.. 
Buat balance transfer pon pernah tapi yg ni memang best sbb interest rendah pastu dapat lak TV flat screen LCD 42" free.. memang best giler time tu sbb dapat TV besor.. hahaha..
Moral of the story, terpulang la pada kesesuaian memasing la.. ada org suka balance transfer sbb senang nak bayar suma hutang satu bank jer.. ada org suka buat personal loan sbb utang suma boleh habis dalam satu jangka masa..
Tapi pada tigger, suka balance transfer sbb dpt tv besor... |
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nal 17# tigger
bank mana ye tigger?? nak uat personal loan rasanye da lepas..payment x cantikk..
ritu gi maybank nak uat balance transfer tp x leh plak... |
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Category: Belia & Informasi
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Post time 4-12-2009 02:18 PM
变色卡
Author
