m_chess77 This user has been deleted
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Reply #180 mat403's post
Sangat setuju dengan cadangan mat403 yang bila apply credit card, jangan tengok pada limit. Lebih tinggi limit berbanding dengan gaji, lebih banyaklah kemungkinan untuk berbelanja lebih daripada dari pada gaji.
Apa yang aku buat bila dapat credit card (so far ada 2, maybank & citibank), aku akan call bank untuk rendahkan limit semaximum mungkin (RM3,000). Guna maybank sebagai main card & citibank sebagai back-up. Dah dkt 3 tahun pakai credit card dan tak pernah bayar annual fee sekali pon. Setiap kali bank charge annual fee, minta bank reverse balik, kalau tidak apply card dari bank lain (dulu HSBC refused to waive, terus cancel, sebulan kemudian diorang call suruh ambik balik card tu; tapi dah ter'apply' citibank). Ini menunjukkan SEMUA bank boleh negotiate untuk waive annual fee.
Seelok-elok nyer kalu dapat match credit limit dengan net salary. Baru tak de masalah. Sebenarya limit credit card yang tak match net salary adalah 'virtual purchasing power'. Limit yang bank bagi untuk credit card bukanlah real purchasing power. Itu konsep belanja yang sentiasa kena ingat. |
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ada tak perbezaan antara reduce balance dgn kad kredit biasa dibawah Balance transfer program..?
sebab kalau tgk kredit kad RHB Bank..interest akan dikira atas outstanding balance..
sapa-sapa bleh tolong terangkan tak berkenaan balance transfer program nih? |
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aku baru dpt surat dr maybank....bgtau kredit limit aku dah di naikkan kpd rm5k....
huhuhhu....aku kna sorok CC aku ni....bahaya
huhuhuhu |
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Originally posted by abgzan at 17-12-2007 01:24 
Maybank memang style dia menaikkan limit pengguna, tanpa diminta...ada yg suka, ada yg tak suka...sebenarnyer anda tidak perlu sorokkan, yg penting, anda kena berdisiplin dan boleh kawal diri ...
bukan apa abgzan....saya ni mmg x berdisiplin budaknya sejak di bangku skolah lg...huhuhuhu |
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Originally posted by budakbaik10 at 17-12-2007 09:14 AM 
bukan apa abgzan....saya ni mmg x berdisiplin budaknya sejak di bangku skolah lg...huhuhuhu
tak berdisiplin camana tu?
Lompat pagar?
Merokok?
Buli budak? SUruh budak basuh baju?
Buli guru? Suruh lap kasuT?
Intai pelajar puteri?
Rompak pen?
Atau, meniru ujian?
hehe... |
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wardanye kad kredit maybank baru je dinaikkan kepada 10500.. terkejut badak den... memula 6k, naik kepada 8k.. terus kepada 10500.. kalah citibank gold yang warda pegang, iaitu kredit limit 6k je
tapi maybank ni kena bayo annual fees, warda amik bwh promotion yang setahun rm18 dan supplem, rm30.. so tak pernah minta waive.. tapi mcm nak terminate amik yang free for life.. tapi tak decide lagi nak amik mana...
nak kena settlekan bil maybank dluk..
yang citibank tu kan, kalo kita guna sikit je.. still boleh ke minta waive?
mekaceeh |
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Originally posted by wardatulhamra at 17-12-2007 09:46 AM
wardanye kad kredit maybank baru je dinaikkan kepada 10500.. terkejut badak den... memula 6k, naik kepada 8k.. terus kepada 10500.. kalah citibank gold yang warda pegang, iaitu kredit limit 6k j ...
nak waive senang aja, call them and ask them....
bergantung kepada jenis kad, ada yng boleh bg on the spot, ada yg kena spend some amount baru dia kasi, dan ada yg tiada toleransi...cuba u try call them  hope this helps |
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nak apply cc pun belum mampu..apalagi nak pakai cc |
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Originally posted by adrienero at 17-12-2007 11:16 AM
nak apply cc pun belum mampu..apalagi nak pakai cc
skrg ni kelayakan di mudahkan,,, cuba try cek.... |
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aBoYhIn This user has been deleted
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If any of you guy or your friends have a lot of cc outstanding, here is a chance for them to save more interest charged....
from 18% oer year to 6% per year.... |
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Reply #191 aBoYhIn's post
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Reply #192 arinsfc's post
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Originally posted by aBoYhIn at 17-12-2007 06:10 PM
If any of you guy or your friends have a lot of cc outstanding, here is a chance for them to save more interest charged....
from 18% oer year to 6% per year....
quite good...tapi kalau pandai cari, bole dpt lagi murah...gua dah lama tak buat transfer...dulu, gua ada credit card yg bg 0% to transfer...tapi tak ingat....byk sgt credit card, sampai tak keep track... |
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Arin bertanya:
Originally posted by arinsfc at 25-12-2007 09:29 PM 
cc bank apa ni??
Lantas Jenglut menjawab:
Originally posted by jenglut at 26-12-2007 10:25 AM
ceredit card kott
..yang bermaksud cc = credit card.... tapi sebenarnyer Arin bertanya credit card dari bank mana....hehe....
Jenglut, u made my day ! |
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Reply #195 abgzan's post
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hihihi..ingatkan dia tanya 'CC' td..nak aje jwb cybercafe..huhuhu |
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---------------------
[ Last edited by wineps at 30-12-2007 11:01 AM ] |
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gua baru apply cc bank islam...tak baru la dah dekat sebulan dah...takder info pun...ntah2 kena reject.....ini kad kredit pertama...sblm ni ada apply kad caj Al rajhi....dah dapat....sblm 3 bulan baru bayar penuh...maksimakan free interest.....tapi syarat kena baya rpenuh... |
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Al-rajhi charge card and bank islam cc
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mytrade..demo apply credit limit berapa utk bank islam ? sama mcm demonya al-rajhi charge card ka |
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tk dpt lgpun.....call aritu katanya tgh proses...nanti dah dapat aku bgtau...caj kad aritu dlm 2Xgaji... |
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Category: Belia & Informasi
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Post time 10-12-2007 09:54 AM
Author
