Mengapa Mesti Ada Kad Kredit?

yummbee

kalo wak pigi singapore, sy ade hotel blh cadang, iaitu YMCA, kat one orchard, pernah dengar x? sebab bulan lepas i baru pigi ajer, hotel tu not bad, 3 bintang tp die dekat center tu.. sana ade byk kompleks beli belah,hiburan, tempat perlancongan dll.. jd i rasa hotel ni paling sesuai wak lah sebab wak nk shopping kan?
dn jgk jgn lupa book hotel kat Asiatravel.com ya sebab wak ade kad SCB kan? blh dpt 15% diskaun

longgab19

zawjah posted on 17-5-2013 11:29 AM
Terkejut aku nengok amount giteww.Aku ni amalkan takutkan diri sendiri (sebab orang sekeliling yan ...

berhati hati .. lo...  cara guna kad yg bagus ialah... lepas guna.. settle kan

sribayu

saya hanya guna credit kad yg free for life dan boleh kutip poin yg diguna against govt tax. kad juga di guna utk membeli petrol dan insurance sahaja.

saya jrg guna kad utk retail purchase. ada duit saya shopping, x da duit duduk rumah.

syarih

sribayu posted on 22-5-2013 05:56 PM
saya hanya guna credit kad yg free for life dan boleh kutip poin yg diguna against govt tax. kad jug ...

baguslah kalau macam tu...beringat sebelum kena

tina^^

zawjah posted on 17-5-2013 11:46 AM
aku ni gaji kecik jah,dulu aku miang nak menggadai di ar rahnu untuk tahu apa rasanya menggadai,ru ...

kalau ada credit card  facilities tak perlu gadai emas.

amek ajek 0% installment plan.

duit saving tak usik, interest tak ada, convenient and no hassle at all.

tina^^

sribayu posted on 22-5-2013 05:56 PM
saya hanya guna credit kad yg free for life dan boleh kutip poin yg diguna against govt tax. kad jug ...

ku guna credit card for almost everywhere.
kalau kat pasar malam boleh swipe, akan ku swipe jugak. reason being sbb malas nak pegang cash bebanyak and nak collect point.

my credit card point so far dapat tebus many good item, among others include aircond panasonic, basical le-run for children, sony bravia home teater, panasonic cordless phone. ok la kan??

skang my accumulated point dah boleh tuko to Samsung S3 ...tp malas nak redeem lagi sbb nak kompol for ipad. sapo nak kasik for free, kan?? hehe

tp syarat ber-credit card - always lepas swipe, balik rumah malam tue m2u aper yg dibelanja. never accumulate interest...yg itu bahayaaaa

zawjah

kalau berhutang tanpa cagaran maka akan jadilah tak bayo nanti.

baby_pingu

ada credit card kadang2 bleh jimat..
bila dpt beli brg kat certain2 outlet..dpt diskaun
balik umah, byr ler trus..

tgk wayang bleh dpt free or flat rate
duit lebihan leh beli popcorn

tina^^

btol...pakai credit card leh jimat byk...salu aku tgk hsbc, citibank or maybank byk kasik discount dkt many outlet/f&b....

contoh bil makan RM100.

kalau bayar pakai cash RM100 dah berkurang. tp bayar pakai cc say 15% diskaun baru RM85 ajek kena bayar. dah jimat RM15.

so watper bayar pakai cash?? hehe!

malam kang balik rumah, m2u ajek RM85 instead of paying RM100.

baby_pingu

tina^^ posted on 23-5-2013 04:08 PM
btol...pakai credit card leh jimat byk...salu aku tgk hsbc, citibank or maybank byk kasik discount d ...

itu lah..

lately neh i pun agak kerap pakai kad utk retail purchases..
kalau baju2, bank mcm citibank, uob, cimb byk buat diskaun..walaupun jarang shopping baju
cam movie ticket tuh beli pakai citibank..kadang2 sampai purposely nak tgk hari jumaat jah cos bleh dpt 1 ticket free.. hari2 lain tuh flat rate RM10, still bleh save some money sbb kadang2 per ticket harga dia RM15 or RM13
petrol pun sekarang nih berlambak2 dah card yg bg rebate..same goes to hypermarket cam tesco, giant semua tuh...tp i pergi mydinlah

SailorMercury

aarie posted on 17-9-2012 11:34 PM
you need to have credit card to book for hotel, car rental, airline tickets, etc....
sekarang sumer ...

U pakai credit card apa?
in 20days ye kena settlekan all payment?

SailorMercury

tina^^ posted on 23-5-2013 11:24 AM
ku guna credit card for almost everywhere.
kalau kat pasar malam boleh swipe, akan ku swipe juga ...

Nie card credit apa nie boleh collect points?
Mind sharing with me?

aarie

SailorMercury posted on 20-7-2013 01:06 PM
U pakai credit card apa?
in 20days ye kena settlekan all payment?

world mastercard for travelling.. petronas visa for petrol..
make sure repay in full before end of the month..

less risk.. tak payah bawak cash.. and no charges.. since paid in full before due..

SailorMercury

aarie posted on 21-7-2013 04:33 PM
world mastercard for travelling.. petronas visa for petrol..
make sure repay in full before end o ...

Kalau aeon credit card tu, boleh guna dkt mana2 shopping mall or boleh guna dkt aeon/jusco only ye?

aarie

SailorMercury posted on 21-7-2013 05:09 PM
Kalau aeon credit card tu, boleh guna dkt mana2 shopping mall or boleh guna dkt aeon/jusco only ye ...

mana2 pun bleh kot...

metalrage

SailorMercury posted on 21-7-2013 05:09 PM
Kalau aeon credit card tu, boleh guna dkt mana2 shopping mall or boleh guna dkt aeon/jusco only ye ...

mana2 pun boleh ler... -_-

Kalu hang nak tau selanjutnya, boleh kunjungi http://loanstreet.com.my/ms/pusat-pembelajaran/antara-kad-kredit-kad-caj-kad-debit

Setahu saya karang ade 17 bank jer yg boleh keluar kad kredit:
1) Aeon
2) Affin
3) Ambank
4) Alliance
5) Bank Islam
6) BSN
7) CIMB + Direct Access
8) Citibank
9) Hong Leong
10) HSBC
11) Maybank
12) MBF
13) OCBC
14) Public Bank
15) RHB
16) Standard Chartered
17) UOB

baby_pingu

bln neh dah kena charge 50 hengget gov tax tuh..patut tetiba tgk outstanding cam lebih dr expected..

Nayzu

Bg i credit card ni bagus kalau tahu guna.
saya buat business ambik brg from usa.
kekadang kalau dlm sebulan tu orders byk, saya guna la credit card. hehehe.
kalau modal sedia ada dlm account cukup, takyah la guna credit card.
pastu, kalau korang nak tahu, al rajhi ada offer kad caj. bagus kad nie.
function lebih kurang sama dgn kad credit. cuma kita kena byr after 55days.
kalau kita pandai, kita sebenarnya boleh guna duit bank tanpa interest kalau buat alrajhi ni.
al rajhi cuma caj rm10 setiap kali pengeluaran ( maksimum 1.5k tiap kali keluar duit )

anony-mous

tina^^ posted on 23-5-2013 11:24 AM
ku guna credit card for almost everywhere.
kalau kat pasar malam boleh swipe, akan ku swipe juga ...

Wow!mcm berbaloi jgk guna cc ni ek..byk gler jimat klau pndai guna..sis guna cc apa?tringin plak nk apply

nizhangg

Bagi saya kena ada. Baru 2 minggu lepas kena. Travel sponsored by company kat Singapore.
Pergi ngan Bos . Konon nak pakai Bos punya company Credit Card untuk Hotel bagai.
last sekali masa nak check out Bos sorang jer yang lepas sebab credit limit hanya RM9k .
Stay 9 hari kena Sing dollar 3k lepas convert dah dekat RM8k, mananya nak lepas.
Yang angin satu badan dah call Bos yang paling besar suruh increase credit limit dia boleh buat dek jer . .
Nasib baik ada sendiri punya credit card . .terpaksalah pakai pastu claimlah balik.
Kalau takda camnelah agaknya . .
Kawan saya sorang lagi pulak pergi training kat KL. Hotel mintak deposit RM300. Takda credit card, cash pon takde. Meraban lak cari ATM. Dulu bila nasihat suruh ambik credit card dia melenting cakap bahaya.
Errmm . .tak taulah