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Pendapat aku Credit Card is bad enemy.. Interest tinggi.. dpt kena lambat byr.. late payment charges lagi.. finance charge lagi..  idup tak senang sbb sehari kol berkali2.. |
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Reply #2020 Mas916's post
ada kene mengena dgn sistem baru yg diperkenalkan....better you tanya pihak Bank/Customer Service....you'll get better answer.... |
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aku muskil bab easy payment yg 0%...
katakan aku bli brg yg harga 2K..
aku amik skim yg 10 bln...
so..2k/10= 200 sebulan...
katakan aku mmg x guna tuk lain2...
tp aku x dpt byr 200..tp bank still akan kira minimum payment kan?
interest still kena kan?
cuma aku nk tau..interest tu yg dr 200 tu ker @ 2000?
coz time dulu2..
aku pernah pakai CC citibank..
time tu mcm baru bab easy payment...
aku pn bli la peti ais harga 1200...
byr selama 6 bln...
tp..time ni..bulan2 aku kompom kena byr 200 tu...
kalau aku x dpt byr bln ni...
bulan dpn aku kena byr 400...
diorg x wat mcm sekarang..yg diorg akan kira tuk minimum payment...
tp cara citibank dulu..mmg nampak 0% coz...
cuma yg sekranag ni..style pengiraan aku x clear...
aku nk apply CC bank Islam...
tp aku kena tau bab easy payment ..kena bg clear...baru aku leh apply ke x? |
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Reply #2023 dealova04's post
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interest pada baki blom lunas... |
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Originally posted by ryo_takahashi1 at 13-1-2009 04:40 PM 
interest pada baki blom lunas...
mcm mn tuh?
interest yg dr 2k tu ke 200? |
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Salam,
Aku nak tanye sket la...
Let say ya, outstanding balance cc RM10K. Min payment for 10k = RM500.00 ek? Normal cc rate 15-18% kan...
Then, the bank offer loan at 0.82% per mth rate (9.88% per annum) for 10K for 36months (max) to clear the outstanding amount tu........erk..berbaloi tak? Nak clearkan cc & cc ni takkan digunakan dah?... |
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Reply #2027 MrsJohn's post
berbaloi .....bila dah di adjust jadik easy payment...jadik takyah risau ngan segala mcm interest mcm finance charges...mobthly interest tu....you keep paying in constant/actual amount setiap bulan..Tp kalau nak terminate acaount cc tu..better you check ngan Bank sbb kalau x silap...jika kita masih berhutang walau dah convert ke monthly/easy payment ...account cc tu masih tak boleh ditutu[p unless payemnt dah setel...ATAU pun....jika account easy payment tersebut telah diUBAH menjadik satu NO AKAUN yg berbeza....rasanya kita boleh terminate....
Anyone yg ada pengalaman... |
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PB Balance Transfer ku da approve..yeay~
alhamdulillah..
**semoga lepas ni aku senantiasa berjimat cermat.. |
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bleh tak kita convert balance utang credit card tuh ke easy payment..with the same bank? bukan balance transfer ke bank yg lain. |
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Reply #2030 baby_pingu's post
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buleh....tp kene wat surat....call dulu Customer Service Bank tu... |
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Reply #2032 baby_pingu's post
Pun berbaloi gak..personal loan nyer amaun tu mungkin boleh setel byk utang2 lain... |
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Reply #2034 baby_pingu's post
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Biasalah Baby.....kredit kad nak mcm "berhantu"....tutup yg lama...bukak yg baru....never ending story.... |
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Balas #2035 medangmru\ catat
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btul tu......aku tgh serabut memikir nk setlekan cc nih..... |
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Originally posted by medangmru at 15-1-2009 04:26 PM
berbaloi .....bila dah di adjust jadik easy payment...jadik takyah risau ngan segala mcm interest mcm finance charges...mobthly interest tu....you keep paying in constant/actual amount setiap bu ...
dulu aku pakai CC citibank...
pastu bila tgk amount..mak aiii...
aku patut terminate..coz tahap keborosan melampau...
nk lums sum x de duit...
citibank tawarkan service.."terms loan"x silap..(kalau salah sila perbetulkan)
maksudnyer mcm buat easy payment...
time tu interest yg ditawarkan dlm 8.9% kot..x ingat la...
tetap & x berubah..sepanjang kita wat penjanjian...
x silap... aku wat selama 2 thn...
time tu aku x pk interest tinggi ke x...(yg sebenarnyer aku x tau pn...)
tp ada member aku yg celik CC ckp..mmg bbaloi dr byr bulan2 tp x tau sampai bila leh abis utang...
diaorg x kan terminate CC selagi kita x habis skim tu...
TAPI..kita mmg dh x leh guna pn kad tu..diaorg dh ambil maaa... |
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Reply #2032 baby_pingu's post
better buat ez payment/term loan ni..
1. spy x jebakkan diri dgn utang lain2 (ingatan utk diri sndr )
2. dpt kurangkan/ hapuskan interest |
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Originally posted by baby_pingu at 16-1-2009 09:07 PM 
bleh tak kita convert balance utang credit card tuh ke easy payment..with the same bank? bukan balance transfer ke bank yg lain.
soalan kepada en medang,
merujuk situasi d atas,kalo buat camni masih boleh guna ke cc tu?
tp bkn utk beli belah ke apa,cuma utk buat potongan insuran tetiap bln..
mekasih |
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Category: Belia & Informasi
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Post time 13-1-2009 02:47 PM
