TIPS penggunaan Credit Card

anazwan

sori lari dari tajuk again ..betul tu abg Zan samala kat middle east fresh graduate engineer bleh dpt smpai 5-8k sebulan..hhmmm harga keta accord baru just 60K so imagine..makan tetap sama cam kedai mamak je harga hee hee

tictactoe

boleh mintak tolong tak...

aku beli barang rm 3,000
kalau plan nak setelkan bayaran dalam 10-11 bulan...
(bukan 0% interest tu.. tapik yg ikut interest biasa - 1.5% monthly)
berapa ek bayaran bulanan yg aku kena bayar...

ada tak sesapa yg boleh tlg kirakan...
atau ada sesapa yg ada credit card monthly payment calculator ke...
yg guna excel atau other software...
share plz...

TQ.

[ Last edited by  tictactoe at 5-6-2007 11:00 AM ]

abgzan

kalau tak silap, dia pengiraannya sama macam loan kereta

R2D2

http://cgi.money.cnn.com/tools/debtplanner/debtplanner.jsp

abgzan

thanks to r2d2 ;)

abgzan

saja kasi UP balik...

wjv2212

samalah...i mintak upgrade ke gold and annual fee free for life...citibank x kasi...terus instruct tutup. But no problem bcoz that time I ada 3 CC. Now dah cancel 2 (Citibank and Maybank). I just simpan 1 je(Public). Dapat masa buat loan rumah, so Public kasi 1 gold CC and it's free as long as my housing loan still active

Tp dulu my wife mintak waive annual fee for that year dpt la, ish my ayat x brapa power la kut

wjv2212

Citibank boleh bcoz i penah buat dolu2...

Altramen

Originally posted by wjv2212 at 9-8-2007 07:31 PM
samalah...i mintak upgrade ke gold and annual fee free for life...citibank x kasi...terus instruct tutup. But no problem bcoz that time I ada 3 CC. Now dah cancel 2 (Citibank and Maybank). I ju ...

Citibank CC...aku dah guna kad tu dlm 7 tahun...so far aku tak pernah bayar annual fees pon utk CC tu...
Memang CITIBANK tak bagi free for life...
Apa yg aku buat, klu dah dekat expired je (1 bln b4 kad expired), i call diaorg mintak waive annual fees...ok je...dia org approved...

I prefer kad CITIBANK ni, klu buat transacation online...best dan cepat dpt approval...
Lain kad yg pernah i guna EONBANK, STARDARD CHARTERED...klu buat online transaction asyik kena tendang kluar je...kena buat berkali2 baru ok...

arifjoe_arifjoe

Geng,

Yg mana lagi elok untuk pengeluaran cash OCBC Power Credit atau Citibank Credit Card Ready Cash

https://www.ocbc.com.my/internet-banking/

http://www.citibank.com.my/APPS/ ... creditcard_fees.htm

hudaini

maaf,


huda baru lg kat benang ni...

seminggu yg lepas ada org offer CC kat huda dr mbf dan HSBC....2 salesgirl
katanya free for life....just apply jer dulu nnti kl tak nak boleh cancel after 3 months...without any charges

disebabkan pujuk rayu org bank tersebut, huda pun akhirnya bersetuju[ setelah dipujuk rayu]...

huda currently dah ada satu CC....sekarang huda rasa terkilan dan kecewa,, huda tak seharusnya apply for that card...

huda risau sgt sekiranya nnti tetiba pulak akan dikenakan bayaran

ada sesiapa kenkawan kat sini yg apply mbf and hsbc.....betul ke kl nnti nak cancel tak dikenakan any charges?....


terima kasih

Altramen

Originally posted by hudaini at 13-8-2007 11:25 AM
maaf,


huda baru lg kat benang ni...

seminggu yg lepas ada org offer CC kat huda dr mbf dan HSBC....2 salesgirl
katanya free for life....just apply jer dulu nnti kl tak nak boleh cancel a ...

Klu CC tu free for life apa yg nak gusarkan...memang free pon..tak guna pun tak apa...salesgirl tu pujuk awak tu, sbb diorg nak dptkan commission jer..
Lain pula ler klu CC tu free for life with condition...cth guna 1x or 2x setiap bulan, dpt ler free for life..klu u tak ikut charges akan dikenakan...

Utk cancel CC tdk dikenakan sbrg caj...tp klu u ada baki tertunggak atas CC tu, u x leh cancel until u settle semua amt yg tertunggak tu...
Nak cancel, call je bank....diorg akan tolong u buat...

Ni pengalaman aku guna CC ni....

**MBF ni i tak pernah guna lagi...

kipas_y2k

ready cash Citibank lagi bagus...

interest paling rendah berbanding OCBC powercredit..

kipas_y2k

aku sekarang nie pakai kad kredit Al Rajhi

Charge Card-i  apa yg aku suka kad nie

nie dia punya offer

Our Al Rajhi Charge Card-i offers:
Up to 55 days of cost-free funds
24-hour ATM access at Al Rajhi Bank ATMs and ATMs displaying Visa PLUS signs
Acceptance at millions of Visa outlets worldwide
A Visa Wave feature for faster, secure and contactless transactions
Monthly statements to track your spending
Internationally Syariah compliant


aku rasa berbaloi sangat aku pakai nie

Altramen

Originally posted by kipas_y2k at 14-8-2007 11:35 AM
ready cash Citibank lagi bagus...

interest paling rendah berbanding OCBC powercredit..

CITIBANK tu...i pernah i ambik cash...
Monthly dia charge 0.82%, yearly = 9.88%...

hitamputih

tetiba terasa nak amik 2nd kedit kad
aku pakai eon bank skrg
ada yg cakap eon bank byk kali kena tendang walau baki jauh lagi

shud i ?

anginutara

aku pun dah sign up for platinum cc from Bank Islam.  dia cakap minimum usage rm120.

R2D2

Originally posted by hudaini at 13-8-2007 11:25 AM
maaf,


huda baru lg kat benang ni...

seminggu yg lepas ada org offer CC kat huda dr mbf dan HSBC....2 salesgirl
katanya free for life....just apply jer dulu nnti kl tak nak boleh cancel a ...

Tahu kenapa dia suruh pakai utk 3 bulan?
coz kalau u cancel b4 bulan ke 4
sales tak dpt komisen pas tu silap2 kena bambu ngan Boss

sue23

i nak buat  transfer account... masih buntu... bank mane yg nak pilih.
sekarang ni i ade 2 acc dari bank berlainan... masing2 ade lebih kurang 3k...
ingat nak satukan... jadi bayar pada 1 bank aje... any idea.. for your information,
ade accn mbf, rhb. mbf cl bagus, bagi i 20k tapi ade annual fees (walaupun dah
call utk wieve), tinggi gak.

mat403

jangan tengok pada credit limit yg diberi, tapi pada :
1) keuntungan yg kita dapat bila buat balance transfer pada card tu, pernah tengok certain card beri 0% interest pada tahun pertama .
2) better cari credit card yg tiada annual fee, dah berlambak kat market
3) try to settle hutang credit card asap..
4) tengok iklan kat paper, affin sekarang charge 9% yearly.. rase paling rendah kat market sekarang ( kalau tak silap )