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Author: jue10

hutang ptptn & credit card

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Post time 6-5-2018 10:32 AM From the mobile phone | Show all posts
noraidil_06 replied at 6-5-2018 07:16 AM
I x leh bg credit, if not 50 i bg utk ur post

Wahh tq mana mod ni sila bagi credit haha.

Kwn meols byk kali jgk buat balance transfer ni utk travel. Swipe2 cc utk travel oversea balik malaysia balik buat balance transfer. Meols tak beranila nak buat mcm tu.

Yg meols pakai ocbc best jgk sbb kita boleh beli brg lebih 1k, terus call bank ckp nk byr bulan2 no interest jgk.

Tp cc lain lg best lagi2 yg cashback minyak and free movie. Haritu nk suruh husband apply cc cimb pulak tp dia tak nak byk2 cc.
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 Author| Post time 6-5-2018 11:05 AM From the mobile phone | Show all posts
armin replied at 6-5-2018 12:36 AM
Haihh meh aku ajar tp kau jgn bayar minimum payment dah lepas ni.

Kau pergi call bank cakap n ...

So t bank b tu akan jd MCM loan ke? Nt interest xsma Kan? So i byr kt bank b bank b byr kt bank cc I ke? Sory kurg fhm. Hihi
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Post time 6-5-2018 04:09 PM From the mobile phone | Show all posts
Edited by armin at 6-5-2018 04:11 PM
jue10 replied at 6-5-2018 11:05 AM
So t bank b tu akan jd MCM loan ke? Nt interest xsma Kan? So i byr kt bank b bank b byr kt bank cc ...


Balance transfer ni bank B akan tutupkan hutang u kt bank A, kiranya dah tak kena interest dah la. So dorg dah bayar kan utk u hutang tu, so lepas ni u bayar bulan2 pulak kt bank B.

I google td ocbc 2% interest utk balance transfer. Banyak jgk 0% interest mcm bsn, maybank, aeon, affin, public bank etc.

Lebih kurang loan la sbb u byr bln2 kan with no interest. kira u buat cc baru dgn bank baru. So u byr baki hutang 5k tu je no more interest2 dari bank lama.

Try tgk link ni https://ringgitplus.com/en/balance-transfer/
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Post time 6-5-2018 09:23 PM From the mobile phone | Show all posts
armin replied at 6-5-2018 12:36 AM
Haihh meh aku ajar tp kau jgn bayar minimum payment dah lepas ni.

Kau pergi call bank cakap n ...

Kenapa kredit dpt insult/rude @nuryakmal
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Post time 7-5-2018 01:18 AM From the mobile phone | Show all posts
iwan007 replied at 5-5-2018 07:51 PM
Boleh jer pakai cc. Tapi plis la jd bijak dan berhemah. I suka pakai cc sebab malas pegang cash by ...

Semua benefit tu utk org bndar
I duk kg.. byk gak spend utk beli tiket flight
Yg ruginya tak pkai cc.. xdpt point ribu2 blanja kat tiket flight
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Post time 7-5-2018 08:08 AM From the mobile phone | Show all posts
armin replied at 6-5-2018 09:23 PM
Kenapa kredit dpt insult/rude @nuryakmal

sorry sorry. i must have clicked the wrong remarks. tap u got extra points
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Post time 7-5-2018 08:46 AM | Show all posts
jue10 replied at 5-5-2018 02:52 PM
Setahu i DPT diskon UTK full settlement shj. Potongan gaji ada DPT diskon ke.

buat auto debit boleh dapat
cuba tengok kat link tu
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Post time 7-5-2018 09:12 AM From the mobile phone | Show all posts
noraidil_06 replied at 5-5-2018 10:04 PM
Iols pakai debit card. Pastu iols bkn belanje mewah2 pun. Nk beli apa sgt. Bag branded pun x hado. ...

Saya suka baca komen2 akak..

Akak ni sorang yg merendah diri..thread pasal produk bawah 50 tu, saya selalu baca..

Saya pasti akak sebenarnya jauh lebih berduit dari saya sbb kerjaya akak hebat..tapi, akak memilih untuk berbelanja dgn bijak..
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Post time 7-5-2018 09:31 AM From the mobile phone | Show all posts
Nurul8001 replied at 7-5-2018 09:12 AM
Saya suka baca komen2 akak..

Akak ni sorang yg merendah diri..thread pasal produk bawah 50 tu,  ...

Alamak. tq so much for the kind words. I wld say, akk pernah lalu zmn pakai kredit kad, n that kind of life x sesuai utk akk.
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Post time 7-5-2018 09:35 AM | Show all posts
ccris ke ape ke EPF di lindungi.. lagi epf bayar direct pi PTPTN bukan pi akaun ahli..
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Post time 7-5-2018 09:35 AM From the mobile phone | Show all posts
armin replied at 6-5-2018 12:36 AM
Haihh meh aku ajar tp kau jgn bayar minimum payment dah lepas ni.

Kau pergi call bank cakap n ...

Yeahhh dpt credit 50
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 Author| Post time 7-5-2018 01:48 PM | Show all posts
armin replied at 6-5-2018 04:09 PM
Balance transfer ni bank B akan tutupkan hutang u kt bank A, kiranya dah tak kena interest dah l ...

ohh.. kira bank b akn byr kn hutg cc i dgn bank a. tp i akn dpt cc x dgn bank b tu? i dh bc sikit. mostly banks charge 2% min interest kn? ur personal recommend bank apa ye? utk jd bank b i
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Post time 7-5-2018 07:12 PM From the mobile phone | Show all posts
jue10 replied at 7-5-2018 01:48 PM
ohh.. kira bank b akn byr kn hutg cc i dgn bank a. tp i akn dpt cc x dgn bank b tu? i dh bc sikit. ...

Akan dpt cc baru. I tak pasti la u, u blh call or pergi terus bank dan tanya. I pakai ocbc je tp ocbc ada 2% interest. Tp i tgk kt ringgitplus tu ada byk yg 0% interest so i suggest u survey dulu semua bank. Kalau i, i akan amik yg 0% interest. Selagi boleh jimat better jimat.
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Post time 7-5-2018 07:12 PM From the mobile phone | Show all posts
noraidil_06 replied at 7-5-2018 09:35 AM
Yeahhh dpt credit 50

Hahaa tq chuols :** sbb chuols meols dpt kredit
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Post time 7-5-2018 07:12 PM From the mobile phone | Show all posts
nuryakmal replied at 7-5-2018 08:08 AM
sorry sorry. i must have clicked the wrong remarks. tap u got extra points


Ohh ingat kena warning tadi haha
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Post time 8-5-2018 09:46 AM | Show all posts
olee_77 replied at 5-5-2018 01:38 PM
Yes.. Pakai epf je bayar ptptn tu.. Saya dulu pun mls bayar monthly.. Last2 pakai epf.. 2 kali kuark ...

mcm mana perkiraannya? kalau pernah keluar utk kurnagkan pinjaman perumahan pun kena bayar zakat juga eh?
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Post time 8-5-2018 11:03 AM | Show all posts
PTPTN kena potong gaji..baki dlm 4k lg..(paksa potong)
CC total rm7k++...(shopping, shopping, shopping)
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Post time 8-5-2018 12:22 PM From the mobile phone | Show all posts
want2bhappy replied at 8-5-2018 09:46 AM
mcm mana perkiraannya? kalau pernah keluar utk kurnagkan pinjaman perumahan pun kena bayar zakat j ...

Saya refer kat website zakat selangor.. 2.5% zakat daripada jumlah pengeluaran.. Better refer kat pusat zakat kalau tak pasti..
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 Author| Post time 8-5-2018 02:09 PM | Show all posts
armin replied at 7-5-2018 07:12 PM
Akan dpt cc baru. I tak pasti la u, u blh call or pergi terus bank dan tanya. I pakai ocbc je tp o ...

i dh call ambank smlm. dia ckp utk bal transfer ni kena ada cc dahulu dengan bank b. dan kena ada bal dlm tu. means xblh cecah limit. sb nt dia akn transfer kn cc bank b tu ke bank a. basically bank b tu kita knea choose yg int rendah dri cc bank a. bru la berbaloi

itu la pemahaman i.
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Post time 9-5-2018 06:16 PM From the mobile phone | Show all posts
jue10 replied at 8-5-2018 02:09 PM
i dh call ambank smlm. dia ckp utk bal transfer ni kena ada cc dahulu dengan bank b. dan kena ada  ...


Ya better cari yg 0% interest, takde ke? Kt ringgitplus byk yg offer 0% interest. So limit chuols cukup tak tu utk bukak cc baru? Tu jela mampu tolong. Kalau tak chuols buat personal loan la utk tutup hutang dan bayar bulan2 tp i tak encourage la.. personal loan pun interest tinggi jgk. Balance transfer ni cara paling senang utk byr  cc
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