5 Jenis Credit Card User. Anda yang mana satu?

belacan_gurl

Tak pernah guna cc...sbb dah pernah tgk depan mata abg sekerja muflis sbb cc...last2 dia minta bantuan akpk ke apa ntah...kena hold xleh buat pinjaman lgsg...sejak tu terus x berani main game dgn cc hahahhaha lgpun sedar diri ini yg mmg kaki shopping

green~tea

belacan_gurl replied at 21-6-2021 05:00 PM
Tak pernah guna cc...sbb dah pernah tgk depan mata abg sekerja muflis sbb cc...last2 dia minta bantu ...

Betul la.. you do you.. i sendiri serikkkkk sgt dgn jerutan CC  2011-2017... alhamdulillah dpt keluar dari keburukan life masa tu... lepas bebas dari riba, terus automatic financial management i ok.. i sendiri pakai 1 je CC since 2017 until now... takde intention utk tukar or tambah.. takde keperluan pun.. belanja pun ikut kemampuan je la..

Rmz83

Nurul8001 replied at 21-6-2021 10:00 AM
Tqvm for sharing ye.
Saya sebenarnya nak terminate CC sendiri. Mcm takde keperluan sangat sbb say ...

I pun jarang guna CC skrng since ada E Wallet ni guna dkt tmpt yg tkde Ewallet n untk subscribe Spotify,Netfilix je sbb mcm tk secure guna debit since byk sgt kes auto debit tiba2

Zeatyisaac

I one of the 'traders'.  Every three years, before the point forfeit, I check the point kataloque and redeem the point with things that I wanted. So far, I have traded a watch, vacuum, airfryer, and many more.
So, I dont mind to pay 50 ringgit for the annual fee.

Nurul8001

Rmz83 replied at 21-6-2021 06:13 PM
I pun jarang guna CC skrng since ada E Wallet ni guna dkt tmpt yg tkde Ewallet n untk subscribe Sp ...

Saya pun jarang2 dah guna CC sendiri. Sy rasa mcm takde benda dah nak dibeli.

Dulu2, rajin gak isi minyak pakai CC. Semenjak ada apps setel, senang banyak. Cuma tulah, PETRONAS. Kalaulah ada stesen minyak lain buat apps mcm setel, kan bagus.

green~tea

Zeatyisaac replied at 21-6-2021 06:30 PM
I one of the 'traders'.  Every three years, before the point forfeit, I check the point kataloque an ...

Paling best jadi traders... aware dgn benefit yg ada

green~tea

Nurul8001 replied at 21-6-2021 07:05 PM
Saya pun jarang2 dah guna CC sendiri. Sy rasa mcm takde benda dah nak dibeli.

Dulu2, rajin gak  ...

I pun 100% isi minyak dgn setel je... masuk kedai mesra pun bayar dgn setel.. auto dpt mesrs points, redeem beli brg runcit or isi minyak... apps tu bagus la.. reload dgn CC i je utk maximize points.. so sini dah dpt 2 jenis points, mesra points and treatpoints

green~tea

Rmz83 replied at 21-6-2021 06:13 PM
I pun jarang guna CC skrng since ada E Wallet ni guna dkt tmpt yg tkde Ewallet n untk subscribe Sp ...

Yaaaaa... i ada perasaan takut jugak nak link certain apps...  so i pakai ewallet utk bayar shopping.. tu pun touch n go and grab je...  cuma belanja2 benda gini takde la banyak pun.. cc tu i byk guna utk charge insurance, hibah, sspn, sbb i nak maintain cash rolling dlm acc CC i tu... kalo tengok usage, mmg CC i mostly go to financial services (i.e. insurance medical card, hibah, retirement fund and SSPN, installment plan).. tp lepas tu bila due payment, terus lah bayar full statement balance

Nurul8001

green~tea replied at 21-6-2021 07:37 PM
I pun 100% isi minyak dgn setel je... masuk kedai mesra pun bayar dgn setel.. auto dpt mesrs poi ...

Saya tak berani nak reload pakai CC. Saya reload pakai ewallet boost atau on9 banking.

Best betul kan, apps setel tuh. Lepas pakai setel, saya tak pakai minyak yg lain. walaupun hati meronta-ronta nak pakai kulit kerang, boleh pergi lebih jauh katanya. Axia dah jimat minyak, saya nak jimat lagi. Kihkihkih

green~tea

Nurul8001 replied at 21-6-2021 07:55 PM
Saya tak berani nak reload pakai CC. Saya reload pakai ewallet boost atau on9 banking.

Best bet ...

Kan.. i pun sayang sgt kereta comel jimat minyak tu...

SalenaGomez

green~tea replied at 21-6-2021 05:09 PM
Betul la.. you do you.. i sendiri serikkkkk sgt dgn jerutan CC  2011-2017... alhamdulillah dpt kel ...

Apa contoh yg time tu green tea bebas dr riba??

Suka dgr sharing GT….btw pakai cc apa?

green~tea

SalenaGomez replied at 22-6-2021 07:36 AM
Apa contoh yg time tu green tea bebas dr riba??

Suka dgr sharing GT….btw pakai cc apa?

Good question.. utk jawab soalan u, cemane nak elak riba of CC (they call it finance charges dalam statement) i kena explain sikit terms2 dalam bill CC. i pakai maybank visa infinite
Contoh (i main petik je figure ni tau, tp ada la reasoning behind the numbers) :

Billing Cycle 23/5 - 22/6
Statement balance = RM 5,000
Outstanding balance = RM10,000
Minimum payment = RM2,000


1. Billing cycle
Yang ni paling penting, you kena faham bila amount due u kena bayar, jangan lewat walau sehari, bayar 2 hari lebih awal pun takpe, asal jgn cecah due date, sbb interest RIBA CC ada dikira by day...

2. statement balance
Amount yang kena bayar due by 22/6. kalo tak bayar this amount, nnti akan start kena RIBA.. riba dikira daily ya.. nnti kalo tak bayar, next statement u akan nampak ada finance charge... nampak kecil maybe, tp itulah RIBA.

3. current /outstanding balance
Amount yang due (statement balance) + expenses this month yang u dah pakai tp belum due... so the beauty of CC sebenarnya u have the benefit of "delaying" your payment by 1 month, or in installment 12 bulan ka, 24 bulan ka.. itu la sebenarnya benefit CC... u boleh delay payment and plan your savings park duit somewhere dulu utk invest ke ape... boleh je u nak bayar outstanding balance mcm ramai forumer sini buat, cuma kita takde la maximize CC punya actual benefit.  so dalam contoh ni RM10k - RM5k = RM5k akan due next month. tak kena riba pun sebab hanya amount yang due (statement balance) je yang akan kena RIBA kalo kita terlepas due date.

4. minimum payment

yang ni mmg sah2 laa bergelumang dengan riba kalo stakat bayar this amount. ada kajian mendapati, kalo stakat bayar min amount, we will take about 5 yrs utk keluar dari hutang CC..... huhuhuhuhuhuhuhu.. contoh kalo CC company u charge 18% per annum.. so this month, u just pay min amount, RM5k - RM2k = RM3k will be subjected to interest (finance charge) and the following month, u pay min amount lg... interest CC ni compounded.. so its not really 18%... tp u akan di charge RM3k +RM200 (finance charge previous month) + finance charge atas RM3200 (ini maksud compounded interest)


so... kalo nak mudahkan hidup elak RIBA.. alway bayar statement balance before due date. tu je rule of thumb dia

misc

green~tea replied at 20-6-2021 05:52 PM
honestly, ramai sangat orang camni... mcm sis @dudaberhias tu pun sama... we can categorize as non ...

Ye sis, I mmg prefer debit card sekarang ni. Mmg malas nak kumpul point credit card tu sebab tak byk mana pun dapat. Dah berpuluh ribu points i forfeited mcm tu je sebab malas nak redeem apa2
Sebab baca thread ni buatkan I terfikir nak bayar statement balance lah this month. So, kalau I dah settle payment pastu i tak guna CC tu selama sebulan, bank tak charge I apa2 kan on next statement? Sorry lah...bodoh2 sikit soalan I ni

green~tea

misc replied at 22-6-2021 11:32 AM
Ye sis, I mmg prefer debit card sekarang ni. Mmg malas nak kumpul point credit card tu sebab tak b ...

Takde charges kalo tak pakai.. make sure u selalu check la statement balance u tu 5 hari sebelum due date ke.. mana tau ada bill u charge kat CC u tak perasan..

misc

green~tea replied at 22-6-2021 11:34 AM
Takde charges kalo tak pakai.. make sure u selalu check la statement balance u tu 5 hari sebelum d ...

Ok thanks sis. Hopefully hidup I lagi happy sebab lepas ni I takde hutang credit card

sweetpea911

green~tea replied at 20-6-2021 04:05 PM
i believe kaedah balance transfer zaman2 tahun 2007 dulu boleh buat tau... sbb mmg policy banks za ...

Tq kakak for sharing.. maybank still ada offer 0% interest on BT utk 6 mths tenure but ada twist sikit la.. u need to pay up 1.88% ‘processing fee’ but still way cheaper la dari bayar sikit2..

I’m in category 1 & 3.. ada 3 cc.. 1 primarily used for petrol & groceries.. guna hsbc.. best byk cashback so technically belanja i bulan2 dah jimat berbanding pakai cash/debit card.. ngam2 statement on 20th  so dpt gaji on 28th i akan byr full.. that way i bole track my spending on petrol & groceries..

Cc 2 i kosongkan..cc maybank.. khas utk BT & any ezy cash yg i ttbe nak pakai.. savings seboleh2 i x nak usik.. that’s for emergency & retirement.. so far maybank punya BT rate paling best.. slalu i pindah sini kot ttbe ade big purchase guna cc #1

Cc3 backup.. ikutkan hati nk terminate.. mmg i x pakai sgt.. tp i simpan jela in case ada apa2 promo by mastercard.. the other 2 are visa

I took me few years gakla nk dpt this kind of discipline.. dulu kelaut gak but alhamdulillah x prnah lg tecekik sbb cc ni.. disebabkan cc#1 payment on time & cantik, i pnya annual interest dr 18% jadi 15%

Kesimpulannya.. cc is a tool.. kena pandai guna.. kena ada self control & tau kemampuan diri utk pakai cc..kalau x mampu jgn memandai2 swipe

green~tea

sweetpea911 replied at 22-6-2021 07:19 PM
Tq kakak for sharing.. maybank still ada offer 0% interest on BT utk 6 mths tenure but ada twist s ...

Ada fees ke kalo lebih 1 cc ni? Dulu2 i paling byk 2 cc.. mmg ada fees i kena bayar utk 2nd cc

sweetpea911

green~tea replied at 22-6-2021 06:27 PM
Ada fees ke kalo lebih 1 cc ni? Dulu2 i paling byk 2 cc.. mmg ada fees i kena bayar utk 2nd cc

Fees dari bank dah xde.. tp skrg ada charge sst rm25.. yg tu bank x waive

sweetpea911

Rogue98 replied at 20-6-2021 08:53 PM
Time corvid ni bahaya betul ada cc....sape yg kena buang kerja tu mesti tempted nak guna. Even Ada s ...

Tu la i mcm ni.. tatau hantu apa.. i sayang nak guna my own cash.. lebih rela pakai cc pastu byr.. psychology kot sbb tau duit bank.. nak tak nak kena control &byr balik..

sweetpea911

misc replied at 22-6-2021 10:32 AM
Ye sis, I mmg prefer debit card sekarang ni. Mmg malas nak kumpul point credit card tu sebab tak b ...

Points mmg x best u.. cari yg ada cashback.. mmg bole jimat byk