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  1. #1
    Mohd Azwan
    Guest

    Credit Card Discussion

    I dont think we have any specific thread untuk kita Berkongsi ilmu ngan pendapat pasal

    Credit Card ni although we do talk about it dalam Thread pengurusan Keewangan but if

    we have a thread specificly to talk about credit card i think it would be better.So Forum

    member diharap kita boleh share input relating to this topic..Anything about credit

    card...
    PAMM 120x600

  2. #2
    Mohd Azwan
    Guest

    Direct Access Master Card

    Anyone applied or have been using this card? ok tak...? I ada baca yang they offer 2%

    rebate on petrol...ANY petrol yang u guna...unlike some Bank yang offer terhad untuk satu

    brand of petrol..yang ni any petrol u pump pun u will get 2% rebate..Menarik jugak..

  3. #3
    freeziy
    Guest
    bank mana tu bro??..

  4. #4
    buytosell
    Guest
    Bank mana pun....kalau pakai credit card nie kena hati-hati...aper pun nama dah kredit...tapi kalau emergency guna tu.....:biggrin:

    Quote Originally Posted by freeziy View Post
    bank mana tu bro??..

  5. #5
    Mohd Azwan
    Guest
    Quote Originally Posted by freeziy View Post
    bank mana tu bro??..
    Should be under CIMB now..Sebelum ni under Southern Bank..

  6. #6
    Mohd Azwan
    Guest
    Quote Originally Posted by buytosell View Post
    Bank mana pun....kalau pakai credit card nie kena hati-hati...aper pun nama dah kredit...tapi kalau emergency guna tu.....:biggrin:
    For now aku kalau boleh semua tenyeh kat Credit card sekarang..cash simpan kat Current Acc tuk Reduce interest OD..

  7. #7
    adnil
    Guest

    0%

    untung kalau kita pakai kredit kad jika kita nak beli barang secara ansuran (dengan harga cash)...Ini dinamakan 0% Interest (Smart Instalment)

    contohnya, kita nak beli notebook berharga rm2400 kat acer....kalau pakai kredit kad kita boleh buat bayaran RM100 sebulan selama 24 bulan....tempoh instalment bergantung kepada jenis kredit kad yang kita pakai.

  8. #8
    mcommerce
    Guest
    Quote Originally Posted by adnil View Post
    untung kalau kita pakai kredit kad jika kita nak beli barang secara ansuran (dengan harga cash)...Ini dinamakan 0% Interest (Smart Instalment)

    contohnya, kita nak beli notebook berharga rm2400 kat acer....kalau pakai kredit kad kita boleh buat bayaran RM100 sebulan selama 24 bulan....tempoh instalment bergantung kepada jenis kredit kad yang kita pakai.
    Ini betul, tapi kad kredit tu dah dilock sebanyak yang kita guna(katakan RM2400) so, balance yang tinggal dalam kad kredit tu adalah (kredit limit - RM2400).

  9. #9
    nfc_services
    Guest
    Kalau kt betul2 guna dgn waras sebenarnya credit card ni byk membantu...tp sy rs paling seswai utk org yg berniaga sendiri.sy dah rs ms mkn gaji pakai CC ni, n skrg kerja sendiri pakai CC.mmg different..
    pandangan sy, kalau gaji 3k-5k tu,ckuplah ader skeping yg ada limit 3k.kecuali anda kerja line2 yg ader komisyen.pd yg income limited 2 percayalah,lebih skeping akn jatuh beban.

    mula2 kt buat BT utk kad ke2,p sedar x sedar yg ade balance tu pun belanja gak...ramai yg diluar belum tahu lg mcm mn pengurusan wang yg betul dan terbaik utk mereka.

  10. #10
    nfc_services
    Guest

    perkongsian baik cr nk refinance CC

    sy jz nk share tanpa nk sorok apa2 pasal benda ni...

    skrg ada beberapa sykt yg sanggup byrkn dlu outstanding anda.dia bayarkan,lepas byr je trus dia swipe blk amaun yg dia byr + interest tertentu..so far interest yg dia amek rendah pd apa yg bank caj pd cust. yg sy tahu,kalau 1 thn pny instalment dia amek 9-10%. 24bln 15% n 36bulan 18%.rendah sgt dr existing interest yg kt kena.

    nk explain agak rumit,maybe sy + sikit demi sikit utk bg clear pd ms akan dtg...


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