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Pada pendapat saya. Kalo guna kredit kad. charge seberapa amaun yang kita mampu belanja dan mampu bayar dalam masa 30 hari saja. Guna convenience grace period C card. Jangan kena faedah tinggi dari hutang. faedah CC tu kurang sikit dari Along aje. |
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Originally posted by tauke at 15-4-2006 11:05 PM
aku sokong ko andak..................
tauke... amacam.. 1st time kat sini.... welcome...
plan tu kena kiv jap.... bz bangat ni.... dah settle kat sini nanti... insyallah, kita on... kirim salam kat sifu ko k... |
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Originally posted by natezanie at 16-4-2006 09:41 AM
betul tu aku pun sokong apa yg korang tulis cuma aku nih kalau ada kad, dr nak beli yg 100 jd yg 200 ler.. apa2 hal pun diri sendiri tp bila diri tak berapa kuat mcm aku, takde kad lgsg lah yg terb ...
tu lah, yang penting kekuatan diri... kalau rasa xkuat... dan tanpa menggunakan kad kredit adalah jalan terbaik.... teruskan... apa pun... diri sendiri... jgn salahkan kad kredit....
kalau ada orang cakap kad kredit ni untuk menunjuk2.... kira oarang yg guna kad nak menunjuk2 ni dah ketinggalan zaman... zaman sekarang ni everybody is bz handling their life.... xda masa nak tgk saper bayar ngan aper.... so, xyah lah nak eksi kalau kad kredit bersusun... org xpandang dah... coz la nio sesaper pong leh pakai kad kredit.... kad kredit adalah kemudahan... bukan nak menunjuk2... |
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Originally posted by Alham at 16-4-2006 06:09 PM
Pada pendapat saya. Kalo guna kredit kad. charge seberapa amaun yang kita mampu belanja dan mampu bayar dalam masa 30 hari saja. Guna convenience grace period C card. Jangan kena faedah tinggi dari ...
sebaik2 guna kad kredit sepertimana kita guna cash.... maknanyer.... kalau xda duit jgn pakai kad.... setiap kali pakai kad, kena bayangkan kita bayar tunai.... ikut cara orang cina... earn before u spend... tu makna gunakan dengan betul... jgn dah spend baru nak pikir how to earn to pay back.... pay everything, every single cents by the due date.... if u cant... thats meant u are not eligible to use credit card... use only 1 credit card coz u can accumulate points faster... by using 1 credit card, your usage is higher, then u can bargain for your annual fees.... i never pay a cent and never deduct any point for annual fees.... coz the bank know how valuable u are to them.... like maybank, every rm1000 u spend, u will get point worth about rm6.00... it seems not much... but beside u get all the convenient in the world... they pay u for using their card... u dont have to leave yr ofice to pay all your bills... this is just small advantage of using credit card... moral of the story... u must know the purpose of using credit card... and dont missuse your credit card... |
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nak tanye... su nak apply cc ni... tp su benar2 perlu ker menda ni??? kalo p outstation oversea takkan nak kena bawak cash.. cc mane paling bagus??? su ni kg... |
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su,
nak apply credit card ke??? rasanya baik su apply kat bank yang su lebih senang berurusan. contohnya jika sebelum ni segala urusan su dengan bank maybank macam duit gaji masuk sana atau pernah buat loan dengan bank tu rasanya lagi senang kalau su amik cc dengan maybank....
dan cadangan burnlah kalau betul su nak guna cc amik maybank american express.. rasanya dia punya annual fees mahal skit tapi ianya tak banyak mengalakkan kita berhutang sebab amex ni kita kena bayar semua jumlah yang kita guna....senangkan... |
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Originally posted by tictactoe at 16-3-2006 11:55 AM
tadik dah setelkan bayar 1 kad kredit
dan terus terminate....
tengah berusaha utk setelkan lagi 2 kad....
hopefully sekali (atau 2 kali) gaji lagi dah boleh setelkan sumer...
dan pastu berjanji ...
saje nak tanya kenapa you nak apply credit card bank islam...rasanya untuk dapat penjimatan interest baik amik al taslif dari ambank sebab ianya adalah 15% setahun berbanding dengan bank islam 18% setahun....al taslif ni pun macam islamic punya credit card gak....dah lama dah burn guna dah hampir 5 thn..so far oklah..sesatunya cc yang burn nak simpan....
yang lain tu burn macam tic gak nak terminate..burn punya cita-cita nak hilangkan semua loan yang ada sebelum birthday burn yang ke 26 nanti.....tu harapan burn...walaupun tinggal dalam beberapa bulan lagi... |
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tq ash.. tgh penin gak ni... tak tahu yg mane satu elok.. sebab just untuk p outstation je ni... bukan nak guna kat msia... |
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Originally posted by lonely_surina at 22-4-2006 12:10 PM
tq ash.. tgh penin gak ni... tak tahu yg mane satu elok.. sebab just untuk p outstation je ni... bukan nak guna kat msia...
Maybank la Su..I don't know much about credit cards,tapi family saya selalu guna maybank kalau pi US tengok kakak..:hmm: |
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Originally posted by jmy_83 at 22-4-2006 12:20 PM
Maybank la Su..I don't know much about credit cards,tapi family saya selalu guna maybank kalau pi US tengok kakak..:hmm:
kire leh guna laa kat luar mesia maybank ni... su bukan tanhu sangat pasal cc ni... |
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Originally posted by lonely_surina at 22-4-2006 12:01 PM
nak tanye... su nak apply cc ni... tp su benar2 perlu ker menda ni??? kalo p outstation oversea takkan nak kena bawak cash.. cc mane paling bagus??? su ni kg...
Su...
Kalau nak covenience, bawalah cc selain wang tunai... tp tunai tu kenalah currency selain rm samada currencies negara u nak gi or usd.... coz rm kat overseas tak laku... kalau nak control your budget, bring enough currencies according to your budget... cc ni for standby... rasanyer sumer cc diterima di overseas tp from my xperiences, eloklah apply visa coz rasanyer lebih diterima berbanding amex atau mastercard... mana2 cc pun diterima... kalau bank lak, maybank so far, xda masalah guna kat o/seas... lagi satu, kalau guna cc kat o/seas... nanti maybe conversion rate xberapa elok... u have no control over fx rate...
[ Last edited by Andak at 22-4-2006 11:44 PM ] |
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Originally posted by burning_ash at 22-4-2006 12:04 PM
su,
nak apply credit card ke??? rasanya baik su apply kat bank yang su lebih senang berurusan. contohnya jika sebelum ni segala urusan su dengan bank maybank macam duit gaji masuk sana atau pern ...
betul ke amex kena settle sumer? i pun ada guna amex gak, wpun i bayar sumer tp dlm statement tu tgk ada gak minimum pyt cam cc yang lain...
lagi satu, setahu i, amex maybank ni by invitation only... i pun maybank staff ckp coz dulu memang i xda amex, tetiba maybank offer... amex maybank ni bagus coz points dia triple... wpun begitu, amex not widely acceptable... xmcm visa... |
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Originally posted by lonely_surina at 22-4-2006 12:25 PM
kire leh guna laa kat luar mesia maybank ni... su bukan tanhu sangat pasal cc ni...
maybank cc sepanjang pengalaman i, xda masalah kat overseas... rasanyer mana2 cc bank ni boleh digunakan dioverseas... hanya nak pilih visa, amex or mastercard... rasanya visa widely acceptable dari yg lain.... |
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Originally posted by Andak at 22-4-2006 11:48 PM
betul ke amex kena settle sumer? i pun ada guna amex gak, wpun i bayar sumer tp dlm statement tu tgk ada gak minimum pyt cam cc yang lain...
lagi satu, setahu i, amex maybank ni by invitati ...
amex nie ada yang CC punya..kalau ikutkan american express yang sebenar tak de credit punya...mcm yang andak cakap tu yang amex cc pun amex yang biasa...sebab tulah ada bayaran minimum....
buat su..rasanya cc maybank takde masalah..burn pun dah hampir setahun pakai maybank.. |
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Originally posted by burning_ash at 24-4-2006 01:56 PM
amex nie ada yang CC punya..kalau ikutkan american express yang sebenar tak de credit punya...mcm yang andak cakap tu yang amex cc pun amex yang biasa...sebab tulah ada bayaran minimum....
...
ok... baru perasan... tq for the xplanation.... xtaulah kot cam tu... coz dua2 amex kita ada tp amex yg ori tu xpernah guna... so xtau camner... but.... kalau cam tu wat per nak guna amex ori tu....
maybank cc ni meme personally kita rasa the best... dia tau how to take care and how to value their customers.... |
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Andak,
leh citer sket pasal maybank cc ni........
dah 2 kali pihak maybank call tanya nak wat tak cc ni........
tapi kita takmo.........sbb risau kena caj byk plak nanti............. |
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Originally posted by flowerjun at 25-4-2006 09:06 AM
Andak,
leh citer sket pasal maybank cc ni........
dah 2 kali pihak maybank call tanya nak wat tak cc ni........
tapi kita takmo.........sbb risau kena caj byk plak nanti.............
mana ada kena caj.... mostly laa ni joining fee dah free.... annual fee pong dah banyak bank beri free for life... as long as u pay your due on time... u are on the safe side... and only spend the money that u have... |
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Pasal credit card ni, based on experience Nis masa gi Singapore, masa check-in hotel, diaorang taknak terima credit card dari bank kat malaysia, cuma international bank is acceptable macam HSBC, Citibank. nasib baik ada bawak. |
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I pergi Bali, Maybank credit card dia terima. Tapi rate low sikit (neglible actually).
Sehari sebelum bertolak I tukar dgn money changer dkt Mid Valley dapat rate:
RM 1 = Rupiah 2430
Masa balik dan tgk rate credit card Maybank dia quote:
RM 1 = Rupiah 2417 |
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Originally posted by Nisda_ at 25-4-2006 10:52 AM
Pasal credit card ni, based on experience Nis masa gi Singapore, masa check-in hotel, diaorang taknak terima credit card dari bank kat malaysia, cuma international bank is acceptable macam HSBC, Ci ...
My bank islam card guna kat europe, australia, thailand dlllll pernah tak ade masalah. infact bank islam kalau terrlambat bayar lambat sikit, dia tak de lah kenakan penalty rm 5.00 macam sesetangah bank2 lain.. |
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Category: Belia & Informasi
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Post time 16-4-2006 06:09 PM
Author
![[Video] PMX To Klaus Schwab: "I'm Your Student" ~ { Sudah Kenal Hampir 4 Dekad } -> Anda Bangga? #WorldEconomicForum](https://uf.cari.com.my/forumx/mforum/block/e5/e5e4d6163c9046a9d2388477446fedd8.jpg)
