kad kredit mana yg ok?

elecom

elecom guna bank islam nyer credit card utk dlm malaysia..and standard chartered punya for international..so far belum ada prob lg..tp in terms of services, nak kata terbaik tak tau laa sbb blum ada prob lg...cuma aritu tukar bank islam nyer card credit, dia orang punya careline very helpful..

lafamilia

sy ada ocbc dan aeon. tp sy lebih suka aeon.

mikosayuri

takut pakai kredit card..he..he..he.

badai007

guna kad kredit boleh tp bayar kena ikut aturan dia..kalo kita due date bayar bank akan block akaun kita..mcm maybank aku dah kena akaun diblock,maybank2u diblock..atm semua diblock..akaun di gantung..strict giler maybank..

p/s:sinar tahu kesah nyer..

ann_9027

Originally posted by badai007 at 12-3-2009 10:29
guna kad kredit boleh tp bayar kena ikut aturan dia..kalo kita due date bayar bank akan block akaun kita..mcm maybank aku dah kena akaun diblock,maybank2u diblock..atm semua diblock..akaun di gan ...

ishh camtu ker??
nasib CC maybank disiplin jer bayo hehehe..
bkn per..mudah just klik jer byr CC dr M2U...

ctredzuan

saya dah decide dah, tamau guna pakai gak CC, nak pakai DC jer, huhu.. takot laa.. kang terpakai tak bayar, pastu kalau terbayar makanan2, dah jadi bahan kumbahan pun masih hutang tak langsai utk makan, susah lor, tq semer kekawan!

rory1112

haah betul

citibank memang teruk n berlagak

kawan penah kene dulu..time tu dia baru jer abis belajar n baru dapat keje..so dia ngan member pun g la apply credit card..masa tu citibank tengah buat promo kat klcc concourse ni..so dia submit application..lama tunggu kwn dia yg submit sekali ngan dia semua dah dpt cc dorg..then dia call tanya status dia mcm mana..boleh plak citibank tu jwp "owh sory la kami tak terima application awak sbb pelanggan kami dh cukup quota so awak cari la bank lain yer"..apa lagi hangin la member tu..hari tu beriya-iya suh dia apply...

ntah mcm mana dia apply hsbc..sekejap jer siap...tak smpai 2minggu card dh dapat..dia ckp masa dia g hsbc punya office nak apply tu org hsb tu layan dia mcm raja..tolong isikan borang la,bwk g kaunter n siap hantar smapi pintu lagi time dia nak balik..n dh 3tahun dia pakai hsbc dia puas hati giller ngan servis..

then lepas 2bulan dia pakai hsbc org citibank yg dulu riject dia ni call..ckp application dia diterima la..seboleh2 suruh dia ambik..memula dia reject ngan cara baik tp org citibank ni paksa gak..dia hangin la satu badan...dia pun ungkit la apa citibank dh buat kat dia..dulu reject customer now baru terhegeh-hegeh nak balik cutomer yg dia dh buang dulu..tak malu

so kalau korng nak guna cc rory suggest sgt guna la hsbc@rhb bank..memang puas hati

cak!

haku pakai maybankard dgn bsn..

maybankard senang byr kat tenet jer..bsn kena p kat kaunter

aristotle85

ambank pun ade debit card ke? tul ke dpt rebate? x penah denga pun

t0m

Originally posted by WonBin at 27-2-2009 15:40
CIMB mastercard ni takda masalah, cuma untuk beli barang pakai interest free, banyak kedai yang tak terima CIMB, bahkan anda kena call sendiri CIMB to inform them yang u nak beli pakai interest f ...

owh..nk apply ikea nye kene buat account dulu ke cmne??

sinar_inspirasi

aku sekarang nak kumpul sebanyak mungkin kredit kad... nak pusing wat modal... hahahahaha

lula_27

aku pn kene...padehal slalu aku delay byr xde la kene...tp sbb aritu aku ade bgtau nk terminate lps abis byr tbe2 trus strict dgn aku...nasib baik xbnyk duit dlm maybank aku...

EiReeNNa

Nk share something dgn kowang.. kalo kowang pakai kad yg kena annual fees, 1 mth sblm kena caj kowang cal bank ckp nk cancel kad. Biler bank tanyer apsal, kowang ckp laa sbb ader annual fees. Bank akan check kowang punyer account & if payment kowang chantek eventhough bkn full settlement, bank akan offer utk waived the annual fees for life time.

Psl maybank punyer c.card tuh mmg ramai dh kena. Bkn stakat saving account jerk diowang block, diowang akan "curik" rm kowang dr saving account utk byr c.card. Mcm pakse byr plaks.

Saper nk buat balance transfer sayer rekemen buat dgn Public Bank. Sayer pernah buat & semuanya settle within a mth (apply kad dulu. Dah approved br bleh apply balance transfer). And no hidden charge. 1 time upfront interest. That's all. Xder processing fee wutsoever. Even lg murah drpd al-rajhi punyer interest free balance transfer tp ader mcm2 fee & charges.

Utk yg x byr on time & slalu x pickup cal dr bank, blajar2la angkat. Opismate sayer tadik dpt cal dr ambank. x byr bil 4k+. Terkejut giler dia sbb dia xder ambank punyer c.card! Terus report ke bank negara. Skarang semua akaun bank termasuk saving akaun freeze for 3 days. Bank negara nk investigate.

tuna_sandwic

peringatan:

kad kredit, sekali terjebak dan masuk perangkap kad kredit... susah nak keluar...
bila kita dah declare kita keluar dari penjara kad kredit, maka pihak bank akan declare kita adalah orang berhutang meskipun kes dah ditutup bertahun2...

di antara kes yg aku dah kena :: HSBC (king of setan penipu besar), CITIBANK (paling jahat dan licik)

setakat ni AMBANK tak sejahat kedua di atas... RHB lak sudah mula menunjukkan belangnya tapi dia ada consideration lagi

MAYBANK lak sebab aku suka service dia, so aku still menten dgn dia satu2nya

EiReeNNa

REMINDER!!

Baru smlm sayer post psl my opismate dpt call dr ambank ckp ader outstanding bill padahal dia xder card ambank. Then sayer mention smlm dia liaise dgn Bank Negara. It's a scam!! Tanyer Mr Yahoo tadikk & somehow dh ramai org kena..

This is a new kind of scam. The number that Ambank impersonator bg tuh ekceli bkn bank negara punyer num. But somehow they have my opismate punyer financial details. Wut they do is ask my fren to change all the PIN num including savings account. Donno how they do, but today my opismate pegi check duit dia dlm maybank & all gone!

Havoc 1 opis! Sayer raser mcm nk kuar semua wang simpanan & simpan bwh bantal jerk. Cemaner meke bleh dpt dia punyer financial detail is 1 thinglaa; kalo tau maner nk carik senang jerk dpt detail nihh. Tp cemaner meke bleh withraw/transfer (we donno yet) the money when wut my opismate do is just change the PIN num? Bknnyer reveal the TAC & everything. Tukar PIN pon waktu tuh dia bkn on the phone.

So everyone, just beware..

Eh.. still ader possibility org pakai c.card atas nama kowang tau.. Case mcm nihh dh baaanyyaaaakkk jadi! Wut u do is call direct to the bank or walk in jerk maner2 branch & check by urself.. lagi selamat..

[ Last edited by  EiReeNNa at 1-4-2009 14:57 ]

maisara_tipu

Utk apply CC wajid gaji BERSIH 1.5k ke?
kalau 1.5k cuma gaji je...ada hutang skit, layak tak apply?

YNdaliz

Kad Bank Islam paling bagus sebab tak ada Compound Interest..
no riba please..!!

220796

76# maisara_tipu

dia kira yearly income rm18,000 kan...so average per month rm1,500 bersih sebulan.....

mrsakit

Poyo jer kalo org kata bank islam tak amal riba...kalo konvensional bank org kata interest..org muslim kata interest ni riba...kalo bank islam plak tak kata interest..dia kata hadiah...credit card plak org kata bank islam takde riba...kalo bank islam tak charge ke pengguna..saper nak bayar visa dan mastercard talian komunikasi service...lebih2 lagi org gi oversea...convert currency fees lagi...mesti interest kena charge...hingat bank islam sponsor ke...mmg takdelaa bonus utk kakitangan bank islam  ... cuma bank charge tinggi dan rendah ajer...kalo bank islam betul2 kata interest is zero..kena buat talian sendirilaa tak perlu subscribe visa dan mastercard...

ixora05

1-klu utk displinkn diri, bknkah kad kredit pn kita blh top up awal2... ia jd mcm debit kad.
2-visa or mastercard yg lbih elok?
3-ar-rajhi tu bank ape? islamic ke?