Hutang Kad Kredit si mati..mcmmana eh

oberst · Post time 28-5-2009 03:03 AM

Btul tuh, klu ade cover insurans kira pihak insurans yg akan langsaikn utang utk si mati....Mcm MRTA/GRTA utk umah, same je konsep die....Tp kite pun nk kene tau gak, insurans tuh cover die camner, kalo insuran PA dia cover meninggal sbb eksiden jek tp kalo meninggal sbb sakit jantung diorg lepas tanggungjawab......

medangmru · Post time 28-5-2009 09:39 AM

kalau xsilap aku....kad kredit aku ni diinsurankan bukan jenis kene apply melalui borang....tp just melalui Phone Call...recorded katanya tuk future reference....mmg tiap2 bulan potong kalau ada Outstanding Balance ...kalau xder mmg Bank tak charge apa2....

insurance tu jugak melindungi pemegang kad kredit jika ditimpa kemalangan....maksudnya....takder punca pendapatan akibat accident dan pihak Insurance akan bayar mengikut jumlah hari/bulan yg kita terpaksa duduk kat hospital...

shidaaziz · Post time 28-5-2009 10:00 AM

Originally posted by opie5662 at 27-5-2009 15:27
kene tgk terms & condotion jugak...mmg sebagai islam hutang kene bayar..tp ade sesetengah bank wat agreement kalau meninggal kire langsai hutang...

macam AMbank...aku penah wat satu kes bli ke ...

opie, kalau buat loan kereta dnegan ambank, memang kalau pembeli mati, waris boleh tuntut hak kereta tersebut dan tak perlu bayar hutang. sebabnya ambank mewajibkan pembeli ambil extra insurance untuk kes kematian.

kashaz · Post time 28-5-2009 12:19 PM

Originally posted by oberst at 28-5-2009 03:03
Btul tuh, klu ade cover insurans kira pihak insurans yg akan langsaikn utang utk si mati....Mcm MRTA/GRTA utk umah, same je konsep die....Tp kite pun nk kene tau gak, insurans tuh cover die camne ...

ini ckp psl insurans diri ke apa ek?

mcm aku nyer b.islam,mmg complimentary gitu insurans tu.
mmg insurans tu semata2 utk klu kita mati,balance kat kdt kira langsai.insurans tu semata2 atas nilai kad kdt je la.

mmg lps kad diterima,ade pamplet kata kita dilindungi.
xde phone call or anything..

tp,klu bank lain,i dunno laa..yg ni utk b.islam je.

opie5662 · Post time 28-5-2009 12:41 PM

Originally posted by lady_nF at 28-5-2009 12:07 AM
camne nak tau ek
kalau bank tuh kira langsai kalau meninggal?

kalau cam bank muamalat camne ek?

check agreement balik or tanye kat bank....slalu nye bank akan mintak surat mati org yg meninggal tuh

al-asil · Post time 28-5-2009 04:26 PM

mungkin pak jen dah dapat jawapannya. cuma nak cerita jugak pengalaman aku haritu, menguruskan hutang kad kredit bapak mertua yang dah meninggal. apa yang aku buat, pergi kat bank yang keluarkan kad kredit tu, tak kisah mana2 cawangan. pergi kat bahagian kad kredit ke, customer service ke kat bank tu dan cakap nak batalkan kad kredit arwah.

macam aku hari tu, pegawai tu yang akan call bahagian kad kredit untuk uruskan pembatalan tu, dan lepas tu diorang akan suruh buat surat. cuma sebelum dia call tu bagitau la ko nak mintak diskaun, atas alasan owner dah meninggal. macam aku haritu memang dapat, hutang tu dari 1400 lebih, bank suruh bayar 1000 je. dalam surat tu memang kena tulis elok2 la, dan kena tulis jugak pasal diskaun dan butir2 perbualan dalam call hari tu. dan lepas tu bank akan hantar surat pembatalan kad kredit tu, sekali dengan amaun berapa kena bayar, kalau dapat diskaun dia akan bagitau sekali.

lady_nF · Post time 28-5-2009 04:51 PM

Originally posted by kashaz at 28-5-2009 12:19

ini ckp psl insurans diri ke apa ek?

mcm aku nyer b.islam,mmg complimentary gitu insurans tu.
mmg insurans tu semata2 utk klu kita mati,balance kat kdt kira langsai.insurans tu semata2 at ...

aku pon pakai cc bank islam
dia ada cakap

Cardholders can now enjoy tranquility and peace of mind with the FREEGroup Family Takaful Coverage Plan and Benevolence. This coverageguarantees settlement of outstanding debts and also relieves your nextof kin from any financial burden.

aku rasa islamic punya cc je kot yg ada offer camnih

integra · Post time 29-5-2009 11:32 AM

Originally posted by medangmru at 27-5-2009 15:12
biasanya utang tak berbayar selepas beberapa tahun ..bank akan kategorikannya sebagai Utang Lapuk...maksudnya...waris tak perlu bayar.( TAPI AWAS...ROH ARWAH SEMEMANGNYA TAKKAN TENANG DISANA...MA ...

SETUJU ngan medan..

insurankan je segala hutang2 kita (hutang yg tak der cover insuran spt cc, hutang kawan2 dll).. sebab tu kalau nak beli insuran kita kena listdown kan hutang2 kita tu dan bg tahu kat ejen tu.. sbg ejen insuran kita bukan buat sale tp kita sebagai consultant..kena suggest yg terbaik untuk client... ni biasa aku buat untuk my client.. aku akan cakap why u must insurer sebnyg ni..bla..bla dan why yr premium u byk nii bla..bla..

psstt.. aku bukan nak iklan insurance yee.. aku bg pendapat je... tq

chikli · Post time 3-6-2009 01:13 PM

ni jwpn aku terima dr citibank:

Dear Sir,

Thank you for your e-mail dated 5/29/09 regarding credit card.

In relations to your next enquiry, we would like to inform you that
currently we do have an option for customers who want to have a coverage
on their credit card outstanding balance which is called the Credit
Shield Plus insurance under the ING insurance company.

This Credit Shield Plus is an insurance which covers the outstanding
amount of the credit card member?s account prior to the date of death,
Disability, accidental or natural. The policy provides benefits for
Death, Temporary Total Disablement (TTD), Total and Permanent Disability
(TPD). The total benefit payable is subject to a maximum of RM100,000
per principal Insured Card member for Clear, Silver and Gold Credit Card
members and RM300,000 per principal Platinum Card Member.

Besides that, Credit Shield Plus also covers Critical Illness Benefit.
In the event of diagnosis of critical illness of the insured card
member, an amount equal to the total outstanding balance less the total
cumulative amount paid under Temporary Total Disability (if any), at
date of diagnosis of critical illness of the cardholder shall be made.
The premium for the Credit Shield Plus is charged based at the rate of
RM0.65 for every RM100.00 outstanding balance shown in your credit card
monthly statement. If your outstanding balance in your statement is less
than RM100.00, then there will be no Credit Shield Plus charges.

To know whether your credit card has this Credit Shield Plus insurance
coverage, you may contact our Citiphone Banking officers 24 hours line
at 03-2383 0000(KL), 04-296 0000(PG) or 07-268 0000(JB) for a faster and
immediate assistance or login to Citibank Online with your Username and
Password to send us an account related enquiry from there.

We hope the above clarifies.

Thank you for using Citibank Online and have a nice day.

Regards,
Jasmine Johan (Miss)
Internet Service Support
Citibank Berhad

medangmru · Post time 3-6-2009 02:13 PM

yg ni kes pemegang cc yang masih idup....mmg digalakkan tuk amik Credit shield ni...tpbagi mereka yg dah mati???cuba ko tanya plak apa agaknya jawapan pohal Bank??

chikli · Post time 3-6-2009 05:46 PM

Originally posted by medangmru at 3-6-2009 14:13
yg ni kes pemegang cc yang masih idup....mmg digalakkan tuk amik Credit shield ni...tpbagi mereka yg dah mati???cuba ko tanya plak apa agaknya jawapan pohal Bank??

k aku tlh tnyakan. nnti bila dpt jwpn aku tepek lg kat cni.

poison_paradise · Post time 3-6-2009 05:56 PM

nasib naik la aku dah abes byr semua kerdit card aku n dah tutup.. lega pale otak.

medangmru · Post time 4-6-2009 07:53 AM

Wokay....kedit menanti..

chikli · Post time 10-6-2009 02:16 PM

Originally posted by chikli at 3-6-2009 17:46

k aku tlh tnyakan. nnti bila dpt jwpn aku tepek lg kat cni.

ni jwpn yg aku dpt...

Dear Sir / Madam,

Thank you for your e-mail dated 6/3/09 regarding credit card.

Pertaining to your inquiry it is advisable to contact our Collection
Department department for further assistance due to we need to check the
account before we can advice further. Kindly contact Collection
Department at 603 2383 4500

We hope the above clarifies.

Thank you for using Citibank Online and have a nice day.

Regards,
Gopinath Goval (Mr)
Internet Service Support
Citibank Berhad

So, kna call bank gak la kan...