Credit Card

adore_cat · Post time 4-1-2008 01:46 PM

happy new year everibodi!!

sia mau minta tolong bah nih..sia kira mau apply credit card,any recommendation?lower %?had gaji brapa baru boleh apply?

cruz_gurl · Post time 4-1-2008 02:30 PM

Setahu aku ini ...

- umur 21 ke atas
- pendapatan min tahunan RM18K
- ko kena sediakan ini
    Salinan kad pengenalan
    Surat perlantikan jawatan
Penyata cukai pendapatan terkini (borang J)
    Penyata bank
Slip gaji bulan terdahulu

captain_scubby · Post time 4-1-2008 02:34 PM

teda credit card..............

contessa · Post time 4-1-2008 02:38 PM

hutang pon blm bayar lagi

adore_cat · Post time 4-1-2008 08:15 PM

tapi mana cc yang rendah % ?siapa yang ada pengalaman sini..tolong tolongg...

cruz_gurl · Post time 4-1-2008 08:18 PM

sia guna islamiic...............

pejalanlangit · Post time 4-1-2008 09:24 PM

yang, can u avoid having cc?

if really2 can't or mest guna utk OS, then gunalah. but beware of the 18% pa interest. if can, once used, pay up all within 20 days - interest free, which banks hate

as far as i know, all sama jak interest 18%. i think so la.
yg beza, whether the applications rules strict or not. So far, my financial advisor (ewwaaahhh) cakap, HSBC senang. can even change the due date over the phone. Stended chated lmbt hantar renewal card - by 3 weeks

citibank - strict on hutang/missed payment. Ambenk - malas mo call-up cust yg nda bayar or buat reminder calls . hntr statement jak. klu yg nih pun nda buat, imagine yg lain la.
OCBC - senang klu mo kasi keluar cash advance bnyk ATM bulih terima.

Syarat2 AM mcm dlm post#2 by cruz. but u can just visit any of the stalls, give ur ic and fill-up form. then they will contact u what u want. or go straight to the branch with all the reqd documents and let them choose+copy what they need.
sometime, they may not need all. klu mmg ada cc yg lain, lagila senang.

perks - depends on the promotion. now citibank bagi rebate for those yg bayar at least minimum payment on time. postpaid celcom users should also use citibank celcom card. 5% rebate. good catch. as long as u pay up

always check what's ur card type. gold commands RM100++ yearly fee or u can ask for waiver. i think now CIMB card ada free for life yearly fee.

melalut laks...yg penting, avoid if u can. if can't make sure payment cantekkkk...

mac06 · Post time 5-1-2008 02:19 PM

semua skrg samalah % per annum tu, standard rasanya 18% per annum.

cuma yg beza ada yg tiada yearly, ada yg mahal yearly fee, ada yg ble minta rebat yearly fee and ada yg free yearly fee tapi mesti guna card tu beberapa( jumlah berbeza antara bank) kali dalam setahun.

btw, citibank credit card, klu ada lebih dr satu kad, dia punya credit limit tidak combined. Klu bank lain, klu ada 2 card dr bank tu cth mastercard dan visa, credit limit adalah combined, tapi klu citibank credit limit adalah berasingan.

mac06 · Post time 5-1-2008 02:23 PM

utk yg kerja government, mbf card bagi rebet utk annual fee, but kena tulis surat and include salary slip utk tunjuk tempat kerja and fax to mbf customer service.

Gold card: annual fee Rm60 ( normal I think Rm160 or Rm120)
Classic card: annual fee Rm40 ( normal I think Rm80 )

and mbf ni selalu klu your payment trend bagus, dia akan tambah credit limit and change card to Gold gitu... rasanya sebab my Mbf Lady card sudah lebih 10 tahun, dr classic kad sampai lah dia upgrade pi Gold tanpa sia minta hehehehe

mac06 · Post time 5-1-2008 02:26 PM

iyakah Ambank malas?

kad ambank sia tia pernah kena guna... so statement memang tia kena kasipun biasalah klu tiada penggunaan, dia tia htr statement.

tapi ada a friend yg tia bayar lama, ada juga kena kol dan datang juga tu letter from lawyer... saman trus.

kinokuniya · Post time 5-1-2008 02:48 PM

seelok2nya jangan pakai cc citibank....dorang ni penipu besar!!!aahahhahha kino memang pernah ada history ngan citibank masa kino di penang dulu...bila kita dah potong card tu bukan main susah lagi dorang mo kensel kita punya akaun....dah setahun lebih potong n kensel kad tu....masih lagi datang bill suruh bayar annual fee...memang citibank ni bongok...

hehheheheh yang paling penting, kalo nak pakai cc bank apa pun takpe...yang penting bayar on time...and if u spent rm100 bayar rm100....pakai rm500 bayar la rm500...jgn tertipu dengan minimum payment of rm50 or berapa2 jak la...sebabnya u yg akan rugi nanti....u spent rm500...u pay rm50....baki rm450 tu kene caj interest....campur lagi penggunaan bulan depan tu...kalo tiap2 bulan bayar minimum je...after few months....kad tu mesti akan burst....

moralnya, selagi tak perlu pakai cc....selagi belum terdesak...jangan la pakai....if terpaksa pakai tapi takleh bayar penuh tiap2 bulan...bayarla semaksimum yang termampu....and most important of all...jangan sekali2 amik cash advance.....sangat bahaya!

mac06 · Post time 5-1-2008 03:33 PM

setuju, sia selalu simpan kad utk masa terdesak.. in case ada emergency.

citibank kad... entahlah, sia jarang guna kad tu, memang ada intention mo cancel the card but blum lagi terbuat. Tapi sia berminat dgn tu Shell citibank kad lah...

hehehehehehe

kinokuniya · Post time 5-1-2008 03:47 PM

kalo nak pakai make sure dorang tak menipu dan kita ditipu

dulu my mom pakai citibank celcom....tu zaman line tepon utk celcom rm75 sebulan...konon kalo pakai kad citibank n pay bill celcom pakai kad tu, dorang cuma bayar sewa bulanan rm50 je...sampai setahun lebih masih lagi my mom bayar rm75 sebulan...bila tanya celcom kenapa bukan rm50 celcom cakap tu kena tanya citibank sebab promo tu cari citibank...bila tanya citibank pulak, konon dorang tengah proses....celcom yang lambat konon...my mom bengang, dia kensel tu kad....terhegeh2 org citibank call...suruh sambung balik la...dorang akan potong la...bagi refund la...sampai today teda refund...memang citibank tu penipu

mac06 · Post time 6-1-2008 07:42 PM

ooo gitu rupanya....

ehm... tinguklah nanti, sia memang mo cancel satu kad citibank tu.

pejalanlangit · Post time 7-1-2008 08:28 AM

no mo CC..i learned the hard way

hantar la platinum segala

Platinum card = parking OU free tmpt VIP .....
GSC, buy 1, free 1..

sumthing like that
klu buli jgn la guna ini CREDIT CARD...unles,, mcm kino cakap, use RM100, pay RM100 within 20 days, interest free.
my fren, use RM200, pay RM200. dia mo kumpul point

cruz_gurl · Post time 7-1-2008 08:49 AM

cc sgt bahaya .... sementara masih tak pernah guna tu
jgn la guna.................. mampu lagi kan........................

kinokuniya · Post time 7-1-2008 08:56 AM

eheheheheh sama la...kino budget rm400-rm500 untuk susu n pampers anak2....so pigi giant or survey beli barang2 termasuk barng dapur...bayar pakai kad....lepas keluar dari sana terus pigi bayar....ehehehhehe dapat point ma....

tu contoh la...