yusrida This user has been deleted
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yus ada plan nak apply cc tapi takut kalau apply local bank nanti takleh guna kat oversea..lagi satu, cc ni kita leh byr online tak??
apa bezanya/kelebihan pakai cc local bank and international bank? |
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yusrida This user has been deleted
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yus ada plan nak apply cc tapi takut kalau apply local bank nanti takleh guna kat oversea..lagi satu, cc ni kita leh byr online tak?? 
apa bezanya/kelebihan pakai cc local bank and international bank?  |
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yusrida This user has been deleted
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yus ada plan nak apply cc tapi takut kalau apply local bank nanti takleh guna kat oversea..lagi satu, cc ni kita leh byr online tak??
apa bezanya/kelebihan pakai cc local bank and international bank? supplement card pun kita kena bayar annual fee ker?? |
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Reply #682 yusrida's post
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pesal plak local credit card tak leh pakai kat oversea? buleh ape.. tapi biler caj die convert la ke RM ikut dorang punye exchange rate yg selalu nye lagi tinggi dr exchange rate kat tempat kite nih.. |
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Ader juga kad free for life yang takde prasyarat .. contohnya CIMB Mastercard.
Tapi bonus point ada jangka hayat. Setiap tahun akan expired ...
Lain bank macam Affin Bank pun offer benda sama, takde syarat. Free for life!! Even tak pernah guna bertahun-tahun. In fact setakat nih kad kredit Affin Bank menawarkan kadar faedah tahunan terendah di pasaran. 9.99 % pa. !! [sekadar berkongsi info]
Sebelum nih yang terendah 12% pa > AMBank Taslif. |
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Sebenarnya sumer Bank yang issue kad kredit kat Malaysia nih boleh diterima pakai diseluruh dunia. Sebabnya dah ader endorsement either from VISA or MASTERCARD.
Cumanya segelintir merchant2 kat luar sana [oversea] tak berapa yakin dengan bank2 kita.
Tapi Maybank, CIMB, Public Bank dan lain2 bank terbesar kat Malaysia sepatutnya takde masalah. |
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Tambah sikit pasal kad kredit Affin Bank.
Bank nih pulak tak menawarkan langsung mata bonus setiap ringgit/transaksi.
Derang cumer bagi cash rebate ajer. Setiap RM1000 dicajkan akan diberi certain amount of cash rebate. |
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Harap maklumat nih dapat membantu rakan forumner sumer yang bercadang nak guna kad kredit. Aku syorkan ambiklah kad yang diberikan yuran tahunan percuma. Kemudian guna kad kredit anda tuh sebagai kaedah pembayaran SAHAJA! dan bukan sebagai akses untuk berhutang.
Sentiasa disiplinkan diri anda untuk bayar sepenuhnya amaun yang telah dicajkan kat kad anda tu. Sikap begini sebenarnya membantu kita keep track semua perbelanjaan kiter, yang baiknya x perlu pening kepala nak siapkan ledger akaun, bank akan sediakan sumer tuh FOC. Maksudnya, setiap bulan sudah tentu bank akan keluarkan penyata kad kredit kita, kat situ tercatat semua transaksi2 yang kita dah buat. Jadi kita boleh monitor dan kawal behaviour perbelanjaan bulanan.
Dalam erti kata lain, optimumkan kemudahan kad kredit yang ader untuk merancang kewangan kita.  |
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Fuh, penat menaip ...  |
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yusrida This user has been deleted
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Ada soklan sket.
1) mana lagi untung, beli item dengan berhutang directly to the shop or beli item dgn credit card and bayar monthly kat bank. cthnyer item harga 3000, plan nak bayar dgn credit card, pas tu bayar kat bank selama 6 bulan?
Normally kat kedai kalau beli cash lagi murah, tapi kalau beli dgn installment lagi mahal; macam mana dia kira interest tu ek?
2) Ape beza easy-payment dgn zero interest purchases. |
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ok ill give my opinion. ive had many platinum credit cards but my favourite will always be american express platinum charge card. annual fee memang lenguh around RM 2380 per year but service memang superb. pernah my car breakdown i call they send their man to help me. then pernah i wanna go chill at a restaurant in kl (mmg laku la tempat ni. i went there myself nak buat reservation diorang cakap full dan tak ada tempat). when i called amex and ask the platinum concierge to get me a table, in a few minutes it has been confirmed. impressive la.
then as with other american express cards (even green and gold), theres no pre set spending limit. it gives you a lot of flexibity especially for emergency. no pre set amount. you can spend as much as you have shown them what you can afford. ive seen people charging a house or cars on the card. best la! and the best part, you pay in full every month. so, tak hutang. alrajhi and hsbc pun ada charge card jugak.
as for credit cards issued by banks i would say im very happy with hsbc and citibank's service. very prompt and courteous customer service. cuma citibank u terlupa bayar one or two days after due date dah riuh sedunia diorang hassle. shouldnt be that way la. hsbc so far so good. yang hampeh is uob. very rigid. standard chartered pun boleh tahan tapi service diorang slow amatlah. now people are all looking for free for life cards, that puts cimb and citibank choice on top of their list i think. ambank worth applying especially the platinum card. not only you get the card, you also get pre approved facility of clean overdraft of at least rm 10,000 and pre approved hire purchase loan of rm 200,000. not bad right? |
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tolong...
saya ada apply kad kredit rhb,tp smpi skrg x de feedback ape pun...:@
dah sebulan lebih apply,bila call cc centre diorg ckp masih blm proses,
then diorg soh call branch tmpt kita apply cc tu,then sy pon call branch tu,pastu biasa la diorg pas sana sini,last2 person in charge tu ckp,kalau dah siap diorg call,masalhnya dah lebih sbln,sy nak gak tau statusnya,asyik still in process je...
ni yg buat tawar ati ni |
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Originally posted by misschubby at 15-11-2007 01:29 PM 
saya ada apply kad kredit rhb,tp smpi skrg x de feedback ape pun...:@
dah sebulan lebih apply,bila call cc centre diorg ckp masih blm proses,
then diorg soh call branch tmpt kita apply cc tu,t ...
call 0392061111. they will help you |
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First time post sini. Nak tanya, boleh ke kalau outstanding CC balance contohnya RM 1k, tapi kita bayar lebih RM 2k. Ada kelebihan tak kat sini?
Jugak i plan untuk untuk gunakan my CC Visa in Australia? Ada disadvantage tak? |
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Reply #695 mrcloud9's post
tq
sy akan cuba call... |
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no i dont work for rhb, thank you. |
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Reply #697 acegal's post
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kelebihan im not sure.. i accidentally bayar terlebih dulu.. so for the following month punya statement, dia dah tolak la balance terlebih bayar tu, kita bayar kurang la. |
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Reply #690 philipinoe2's post
Setakat yang diketahui, tiada apa-apa caj tersorok dikenakan.
Cuma tiada sebarang mata bonus ditawarkan pada setiap transaksi yang dibuat menggunakan kad tu. |
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Category: Belia & Informasi
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Post time 9-11-2007 01:46 PM
