Kad Kredit Tips & Tricks

[benharungkar]

Mengambil Cash Advance TIDAK Digalakkan krn agak mustahil menyelesaikan hutang sebegitu besar + interest yang tinggi ... dalam jangkamasa yang pendek.

KECUALI ... boleh mengambil loan menggunakan 75% drpd had limit kad kredit saudara. Penyelesaian hutang dlm jangkamasa 6 bln, 12 bulan, 18 bln ... mengikut kadar interest yang ditetapkan oleh pihak bank.paid

BUATlah hutang kalau PASTI boleh bayar kembali :-?
JANGANlah berhutang kalau SUSAH nak bayar balik ~X(

terima kasaih atas info dan peringatan cikpyan

 

[soul333]

kredit kad kalau kita tak activate tak kena caj goverment tax kan?

baru dpt kad dr bsn....rasa mcm tak guna pun

kad tu da kene caj goverment tax walaupun xgune.. bile bank approve je kad trus kene goverment tax.. itu yg aku phm bile bace kat forum laen..


p/s: kalau statement ni slh sape2 tlg btolkan

 

[cikpyan]

kad tu da kene caj goverment tax walaupun xgune.. bile bank approve je kad trus kene goverment tax.. itu yg aku phm bile bace kat forum laen..


p/s: kalau statement ni slh sape2 tlg btolkan

Government tax dikenakan ke atas mana-mana kad kredit SELEPAS kite active kan kad tersebut. Genap 12 bulan @ setahun drpd tarikh yang tertera pada kad ... bayo ler RM50 (

Saudara GUNA ke TAK GUNA ke ... sapa suruh gatal2 apply CC

 

[ecomoda012]

Government tax dikenakan ke atas mana-mana kad kredit SELEPAS kite active kan kad tersebut. Genap 12 bulan @ setahun drpd tarikh yang tertera pada kad ... bayo ler RM50 (

Saudara GUNA ke TAK GUNA ke ... sapa suruh gatal2 apply CC

oo eh...ok nak terminate

tak apply pon...bsn yg bagi ~X(

 

[En. Rhoma Irama]

SALIM merupakan seorang pekerja bank mempunyai pendapatan sebanyak RM 1,800 sebulan. Beliau berumur 28 tahun, belum berkahwin dan tinggal di sebuah bandar kecil di Pahang.

Pemuda itu juga mempunyai sebuah kereta yang sudah dibayar penuh kepada bank.

Kelihatan seperti Salim tidak mempunyai sebarang masalah kewangan. Tetapi, dia datang ke AKPK kerana dibebani dengan masalah hutang kad kredit.

Ayah Salim meninggal dunia kira-kira tiga tahun lalu dan selepas itu, dia memikul tanggungjawab menyara keluarganya. Dia mempunyai dua orang adik yang masih bersekolah dan ibu yang tidak bekerja.

Mujurlah kedudukan kewangan keluarganya stabil kerana arwah ayahnya mempunyai simpanan KWSP dan adik-adiknya pula ditawarkan pinjaman pembelajaran daripada kerajaan.

Kehidupan Salim berubah apabila dia mula menggunakan kad kredit beberapa tahun lepas.

Kad kredit tersebut digunakan untuk mengisi minyak kereta dan membeli belah.

Apabila Salim menerima penyata bulanan, dia hanya membayar 5 peratus daripada amaun yang perlu dibayar.

Sebelum menggunakan kad kredit, pendapatan bulanannya sememangnya cukup selepas ditolak RM 400 untuk perbelanjaan keluarga. Tetapi selepas itu, Salim mula berasa tertekan akibat berbelanja lebih, sehinggakan ada antara hutang kad kredit itu tertunggak sehingga dua bulan.

Walaupun Salim sedar keadaan ini, dia masih lagi berbelanja menggunakan kad kredit dan mempunyai sehingga enam keping kad. Jumlah pinjaman semakin meningkat kerana dia hanya membayar amaun minimum hampir setiap bulan.

Akibatnya, Salim berada dalam tekanan hutang.

Selepas mengetahui mengenai AKPK daripada risalah yang diperolehi di sebuah bank, Salim mengambil keputusan untuk ke pejabat cawangan AKPK yang berada tidak jauh dari tempatnya.

Kaunselor AKPK memberi kata-kata semangat setelah Salim sedar mengenai kesilapannya.

Salim menyesal kerana mengabaikan tanggungjawab sebagai peminjam.

Selepas menghadiri sesi kaunseling, Salim kini berada dalam kedudukan kewangan yang stabil untuk menyelesaikan hutang kad kreditnya.

Salim kini sedar akan akibat membayar baki minimum setiap bulan. Dia juga telah membeli buku ‘Celik Wang’ terbitan AKPK sebagai panduan untuk menguruskan kewangan dengan bijak.


* Nama individu dalam cerita ini telah diubah untuk melindungi identiti individu berkenaan. Kisah kejayaan ini hanyalah bertujuan memaklumkanpembaca tentang perkhidmatan AKPK dan sebagai nasihat untuk pembaca dari sudut pengurusan kewangan

Sumber s1nar har1an

 

[meganet11]

Salam otai2 sekalian..

Saya ada dpt cc CIMB mastercard bila apply loan rmh hr tu. Kad x activte, dh kena service tax rm50 n late charge rm10.

Klu nk terminate, kna bayr rm60 ke? Even xpnh activte.. mohon pencerahan klu ada sesiapa pnh xperience this..

 

[xWakakax]

saya budak baru ~ tumpang parking dulu~ nanti saya ada2 persoalan mintak tolong jelaskan ye taiko2 sume ><

 

[NurussalamAziz]

Salam otai2 sekalian..

Saya ada dpt cc CIMB mastercard bila apply loan rmh hr tu. Kad x activte, dh kena service tax rm50 n late charge rm10.

Klu nk terminate, kna bayr rm60 ke? Even xpnh activte.. mohon pencerahan klu ada sesiapa pnh xperience this..

Yup. kena bayar..

 

[En. Rhoma Irama]

Cancel your credit card before you die

Cancel your credit card before you die.

Can you believe this? Be sure and cancel your credit cards before you die! This is so priceless, and, so easy to see happening - customer service being what it is today.

A lady died this past January, and Citibank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge.

The balance had been $0.00 when she died, but now somewhere around $60.00. A family member placed a call to Citibank.

Here is the exchange :

Family Member: 'I am calling to tell you she died back in January.'

Citibank : 'The account was never closed and the late fees and charges still apply.'

Family Member: 'Maybe you should turn it over to collections.'

Citibank : 'Since it is two months past due, it already has been.'

Family Member: So, what will they do when they find out she is dead?'

Citibank : 'Either report her account to frauds division or report her to the credit bureau, maybe both!'

Family Member: 'Do you think God will be mad at her?'

Citibank : 'Excuse me?'

Family Member: 'Did you just get what I was telling you - the part about her being dead?'

Citibank : 'Sir, you'll have to speak to my supervisor.'

Supervisor gets on the phone:

Family Member: 'I'm calling to tell you, she died back in January with a $0 balance.'

Citibank : 'The account was never closed and late fees and charges still apply.'

Family Member: 'You mean you want to collect from her estate?'

Citibank : (Stammer) 'Are you her lawyer?'

Family Member: 'No, I'm her great nephew.' (Lawyer info was given)

Citibank: 'Could you fax us a certificate of death?'

Family Member: 'Sure.' (Fax number was given)

After they get the fax :

Citibank: 'Our system just isn't setup for death. I don't know what more I can do to help.'

Family Member: 'Well, if you figure it out, great! If not, you could just keep billing her. She won't care.'

Citibank: 'Well, the late fees and charges will still apply.'

(What is wrong with these people?!?)

Family Member: 'Would you like her new billing address?'

Citibank: 'That might help....'

Family Member: ' Odessa Memorial Cemetery, Highway 129, Plot Number 69.'

Citibank: 'Sir, that's a cemetery!'

Family Member: 'And what do you do with dead people on your planet???'

(Priceless!!)

And you wondered why Citibank needed help from the Feds? Hope you had a chuckle.l

Ah....where are the good ole days? In small towns all across the US there was a time when your banker would have known that you had died, would have sent flowers, and attended your funeral. The doctor would have been there, and the grocer along with the pastor of the church and half the town. In those little close knit communities, a body would hardly be cold before everyone knew about it; and would be preparing their favorite dish to take to the family in their hour of grief.

Do people in your town still pull over to the side of the road when they see a funeral procession passing by?

 

[En. Rhoma Irama]

3 Myths About Credit Cards in Malaysia

Myths About Credit Cards in Malaysia

There are now over 8.2 million credit cards issued in Malaysia, according to the most recent data from the Bank Negara Malaysia. It has increased from 7.8 million in 2005 and is well below the 10.8 million credit cards recorded in 2009. That’s a lot of people using their credit cards to pay for groceries and gas.

Despite the large number of people holding credit cards in a country of close to 30 million, there are myths about credit cards that still persist. These myths are helping push the rates of household debt in the country.

Here are a few credit card myths that need to be dispelled.

• Myth 1: The Minimum Payment is the Amount Due Each Month and Nothing More
  As pointed out by Caroline Bigda of the Chicago Tribune, many credit cardholders make the mistake of just paying the minimum payment each month on their credit card, believing this is the only amount due. While paying the minimum payment on the card can keep you in good standing with your bank, paying only the minimum will stretch out your balance for months or years. Pay off more than the minimum balance to avoid going into debt. A 2012 Nielsen study shows that only 18% of Malaysians repay only the minimum required so this can be one reason why many Malaysians are in debt.

• Myth 2: Having a High Credit Limit is Good
  Not necessarily. Having a high credit limit can tempt you to charge more on your card. To avoid paying interest fees, you should be able to pay off your balance every month. It’ll be hard to do this if you’ve charged too much on your card especially if a lower credit limit would have prevented you from doing this in the first place. Think of a credit limit as a safety net that helps keep you from falling into debt, keep it at a sensible limit and avoid the temptation of getting a higher credit limit just for the sake of having one if you get offered a bump in credit limit by your bank.

• Myth 3: No Credit Card Means No Credit Report
  While a credit card can be used to build a credit history, your credit report won’t be based solely on any record of you holding a credit card. Credit bureaus can get information about your credit history from telcos to see if you’ve any missed payments, public records such as those in bankruptcy hearings and legal actions, along with information from loans made under your name or sole proprietorship documents. The Bank Negara Malaysia’s Central Credit Reference Information System gets its loan data from financial institutions that send their report to the system.

Household debt in Malaysia is at 83% of the country’s gross domestic product and is high compared to its Southeast Asian neighbors. Malaysians are good savers according to Nielsen but many still fall into debt as shown by the high household debt in the country. Dispelling some of these credit card myths should help many Malaysians make wiser financial decisions in order to avoid debt.