nk tmbh bleh? based on experiences & know how (yg mane dah tau leh komen & tmbh):
1) korg tau x
SEPATUTNYA during interest free period 20 days tu korg xleh swipe? Ini kerana, based on my experience statement akan smpi dlm 15hb, let say rm2000, min rm200 (10%). Due date nye plak 4hb next month. Bile korg pakai jgk time tu, amt dah lari, katakan swipe lg rm500, so min dah jd rm250. Korg plak byr ikut min awal @ rm200..bertambah2 la interestsssss....
2) kalo korg pakai jgk during interest free period, pastikan sblm wat pymt call bank, tye kan brape korg dah pakai & brape min pymtnye. Selalunye statement mesti lain dr ape yg korg tye kt bank tu (via call ke, counter ke dll)
3) tau kah korg bahawa
JIKA korg wat pembayaran cantik (awal, on time, at least meet min amt) korg boleh wat Personal Loan kt Bank yg bg kredit card tu (ni la yg Unstoppable dok pancing korg tu)Maka, dgn PL tu, bleh la korg ttp kad krdt yg lain (cnth cm tokputih) & byr installment PL td pakai crdt card. Bile perlukan korek balik (terms & condition apply)
4) tahukah korg leh jgk menyimpan menggunakan kredit kad? nk citer kt sini pjg, bace je la kt [removed]. Ade sorg member penah mintak advice aku skng ni penyimpan rm2000 sebulan dgn credit card!
5) Penggunaan Credit Card yg Sebetulnye:
a) Hutang (cnth: rm2000, min rm200)
b) Gaji (cnth: rm2000)- sila ubah ikut gaji & amt hutang anda yg sebenar:
-->>
i) Dpt gaji byr sumer utang i.e: rm2000 - rm2000
ii) Byr pada @ sebelum Due Date - kalo gaji 30hb, statement date 1hb, abiskan sume utang pd 1 hb tu
iii) Selepas Due Date (cnth: 2hb) kuarkan balik mengikut maximum cash advance (CA) anda. (kalo kredit limit 3k, leh CA 1.5k)
iv) Gunakan 1.5k @ whatever amt CA korg td utk perbelanjaan korg (byr umah,kete, mkn)
v) Sekiranya x cukup (yela, sbb korg dah short rm500 byr kad td kan?) yg rm500 korg leh la swipe (blanje dapur kt tesco ke, giant ke dll)
Summary:
1) At the end of every month, korg hanye blanje rm2000 shj setiap bln. Tak luak pun blnje korg
2) Dlm mase yg same, korg still leh pakai krdt kad at full limit.
3) Bleh menyimpan
4) No compounding interest - sbb korg byr full, cuma kena spare lebih skit utk Cash Advance Fees & Interest (the best card: Bank Islam - CA Fee at 2~3% per withdrawal & NO interest charged on CA, #2 best should be Bank Rakyat @ 3.5% per withdrawal & NO interest charged on CA)
5) Bile pymt cantik, leh la apply PL - Utk investment, saving dll
just sharing ape yg aku practice....open for any condemn & click thx shall you feel helpful. Jgn biarkan interest keep on Compound & compound or interest on interest..
(
(
