Maintain Credit Card - utk org berangan nk pakai kad tapi susah nak maintain cam aku.

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rizalstudio

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wpon xde cc, den penah pakai debit kat autopay stesen minyak...
pastu bila cek baki, ade tolak rm230 ms tu isi rm30 jer apsal
tolak smpai rm200???~X(

den terus tel mb2u hotline, dia ckp mmg cmtu ~X( mslahnya aku
ni dc bkn cc...kalu cc mesti nk tunggu approve, dc kn mmg
kena ade duit br boleh pakai, dia ckp prosedur cmtu...tunggu 3-4 hari br dpt duit balik...cm harammm :(scam

itu ler 1st n last aku pakai debit kat autopay....tah ape2
ngok la depa ni :(scam
autopay guna creditcard ngan debit card sama je la cik adik oi.. kecuali guna maybank bankcard yg belum convert jadi debit card (yg kena masuk password dulu) atau bayar terus kat kaunter... tp kena menapak la...
 
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rocketeer999

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:((

thanx sbb info menarik nie...tp setelah aku baca isi2 dlm blog ko tu, teknik menyimpan n merempit credit card ni memerlukan acc OD....yg xde OD tak leh la follow...tambah2 skng prmohonan baru OD dh dibekukan utk individu..huhuhuhuuuuu...:(:)(:)((
yang xde OD leh gantikan dgn CC. So ade 2 CC..1 utk pakai, 1 utk rotate :)
 

rocketeer999

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wah.. menyelam sambil minum air..

tp skrang persoalannya kepada duit gaji pun da xde nak byr kredit kad.. gaji memang da cukup sebab byk nk bayar loan berlambak2 atau buat bisnes, cheque xsampai2 lagi.. jadi hutang berlambak2.

isunya, aku selalu baca kat cg pasal kawan2 kita mngadu yg duit xcukup sampai nk pinjam kat warga cg sambil beritahu apa yg dia kena byr sampai xley nak komit ataupun kereta rosak tp kereta tu buat cari makan.. sanggup nk meminjam..

dan reply2 dr cg bg macam2 cadangan antaranya jgn bayar kredit kad ngan loan... jadi nampak sgt semua byr kredit card tu cam byr hutang member satu opis..

1) duit gaji aku pon ngam2 je dgn utang CC, kalo aku x blaja aritu teknik ni, mmg aku pon lingkup gak kot... wpon every month aku byr full CC, tp aku still leh kuarkan dgn CA utk byr utang kete, umah & blnje harian...

2) pasal byr krdt kad dgn loan tu, terpulang sebenarnya. Loan ni kalo salah guna mmg menyesatkan. Yg penting kene tau cara nk manipulate. Kalo btol caranye, bkn byr utang, tp dpt duit!
 

EzY-eLoaD

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wah byknye cc,seng ke nk mohon cc nie
 

ejalmlk

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hurmm tadi edjal ada komen ..ilang plak ... atau dibuang ...atau tak dipost ?? hurmm macam mana nie .. apa-apa pun guna CC kena berhemah dan pandai ....

buat business pun ok untuk cover Bill cc bulan2 ....
 

rocketeer999

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mcm mn caranya bro? aku takde OD tp ade 5 creadit cards.. huhuhuh:D
bismillah, fuhhhhhhhhhhhhhh

mula2 sediakan bhn 2 ye puan2:

1) duit gaji (cnth: rm2000)
2) Crdt kad A (limit min: 3K) - selepas ni disebut sbg CC 1
3) Crdt kad B (limit min: 3K) - selepas ni disebut sbg CC 2
4) optional: M2U utk transfer duit ke ASB, xyah beratur (kenalah bukak buku dulu)
5) menyimpan sebulan rm100 (blh wat simulasi ni sesedap rase..)

Bln 1:
gaji to asb: rm 100
CC 1 to gaji: rm 100 (cover balik, so gaji penuh)


Bln 2:
dpt gaji byr CC 1: rm 100
CC 2 to Asb: rm100
CC 2 to gaji: rm100
Summary - asb: rm200
CC 1: full
CC 2: -200

Bln 3:
dpt gaji byr CC 2: rm 200
CC 1 to Asb: rm100
CC 1 to gaji: rm200
Summary - asb: rm300
CC 1: -300
CC 2: full


Bln 4:
dpt gaji byr CC 1: rm 300
CC 2 to Asb: rm100
CC 2 to gaji: rm300
Summary - asb: rm400
CC 1: full
CC 2: -400

Bln 5:
dpt gaji byr CC 2: rm 400
CC 1 to Asb: rm100
CC 1 to gaji: rm400
Summary - asb: rm500
CC 1: -500
CC 2: full

Bln 6:
dpt gaji byr CC 1: rm 500
CC 2 to Asb: rm100
CC 2 to gaji: rm500
Summary - asb: rm600
CC 1: -600
CC 2: full

Bln 7:
dpt gaji byr CC 2: rm 600
CC 1 to Asb: rm100
CC 1 to gaji: rm600
Summary - asb: rm700
CC 1: -700
CC 2: full

Bln 8:
dpt gaji byr CC 1: rm 700
CC 2 to Asb: rm100
CC 2 to gaji: rm700
Summary - asb: rm800
CC 1: full
CC 2: -800

Bln 9:
dpt gaji byr CC 2: rm 800
CC 1 to Asb: rm100
CC 1 to gaji: rm800
Summary - asb: rm900
CC 1: -900
CC 2: full

Bln 10:
dpt gaji byr CC 1: rm 900
CC 2 to Asb: rm100
CC 2 to gaji: rm900
Summary - asb: rm1000
CC 1: full
CC 2: -1000

Bln 11:
dpt gaji byr CC 2: rm 1000
CC 1 to Asb: rm100
CC 1 to gaji: rm1000
Summary - asb: rm1100
CC 1: -1100
CC 2: full

Bln 12:
dpt gaji byr CC 1: rm 1100
CC 2 to Asb: rm100
CC 2 to gaji: rm1100
Summary - asb: rm1200
CC 1: full
CC 2: -1200


p/s;

1) menyimpan tanpa meluakkan duit gaji anda
2) sekiranya krdt limit anda lg tinggi, saving la lebih dr 100/month
3) korg leh teruskan smpi kredit dah limit, then cover balik dgn dividen*
4) cara merempit ni lebih sedap kalo ade kombinasi ASB Loan (100K) & Personal Loan (10K)**

p/s/s: utk * & ** aku akan citer mlm ni kt blog aku. letih la nk taip byk2, tp kalo aku suruh view blog aku, nnt admin remove plak...lainla kalo aku charge korg. Aziz CPF wat mende ni rm400 per session. I am doing it for free. Why so bother? Anyway jgn lupe klik thx if you think my post is helpfull. Thats only I am asking for.
 

coyotito

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bismillah, fuhhhhhhhhhhhhhh

mula2 sediakan bhn 2 ye puan2:

1) duit gaji (cnth: rm2000)
2) Crdt kad A (limit min: 3K) - selepas ni disebut sbg CC 1
3) Crdt kad B (limit min: 3K) - selepas ni disebut sbg CC 2
4) optional: M2U utk transfer duit ke ASB, xyah beratur (kenalah bukak buku dulu)
5) menyimpan sebulan rm100 (blh wat simulasi ni sesedap rase..)

Bln 1:
gaji to asb: rm 100
CC 1 to gaji: rm 100 (cover balik, so gaji penuh)


Bln 2:
dpt gaji byr CC 1: rm 100
CC 2 to Asb: rm100
CC 2 to gaji: rm100
Summary - asb: rm200
CC 1: full
CC 2: -200
sori tuan
saya be.ba.l skit
camne nak buat CC to Gaji and CC tu ASB?
gune CA ke?
 

rocketeer999

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sori tuan
saya be.ba.l skit
camne nak buat CC to Gaji and CC tu ASB?
gune CA ke?
ye tuan..kne spare lbh skit utk fees charged. Biase aku kene utk CA Bank Islam :rm1500 ialah rm37 cmtu la.
 

Rizza

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bagus info... tp nak tmbah skt la ye..

c card ni bagus gune,sbb kalau beli barang kite dpt points dan sesetngah card ade cashback/discount lagi.mungkin tak byk dlm 2% je..tp kalau kumpul byk2 kan bagus jugak..

utk epp,kalau kedai tak blh buat 0%,bank biasenye ade bg servis ni.mayb diorang akan charge sikit dlm 5%,tp berbaloilah dr byr cd int 18% p.a..

utk CA pulak...kalau dah terdesak...cubelah mintak CASH ON CALL(name die berbeza bg setiap bank)...int lagi rendah..CA pun lagi rendah...and ade fix installment...process akan ambil mase sikit...tp sgt berbaloi...

satu lagi pasal tax ni RM50...promotion die berlainan bg setiap bank...cube tye dgn bank...mesti ade care blh waive selain gune point kite sendiri...

t kasih...
 
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