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happy new year everibodi!!
sia mau minta tolong bah nih..sia kira mau apply credit card,any recommendation?lower %?had gaji brapa baru boleh apply? |
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Reply #1 adore_cat's post
Setahu aku ini ...
- umur 21 ke atas
- pendapatan min tahunan RM18K
- ko kena sediakan ini
Salinan kad pengenalan
Surat perlantikan jawatan
Penyata cukai pendapatan terkini (borang J)
Penyata bank
Slip gaji bulan terdahulu |
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teda credit card.............. |
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hutang pon blm bayar lagi |
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tapi mana cc yang rendah % ?siapa yang ada pengalaman sini..tolong tolongg... |
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Reply #5 adore_cat's post
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sia guna islamiic............... |
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Reply #1 adore_cat's post
yang, can u avoid having cc?
if really2 can't or mest guna utk OS, then gunalah. but beware of the 18% pa interest. if can, once used, pay up all within 20 days - interest free, which banks hate 
as far as i know, all sama jak interest 18%. i think so la.
yg beza, whether the applications rules strict or not. So far, my financial advisor (ewwaaahhh) cakap, HSBC senang. can even change the due date over the phone. Stended chated lmbt hantar renewal card - by 3 weeks  citibank - strict on hutang/missed payment. Ambenk - malas mo call-up cust yg nda bayar or buat reminder calls . hntr statement jak. klu yg nih pun nda buat, imagine yg lain la.
OCBC - senang klu mo kasi keluar cash advance bnyk ATM bulih terima.
Syarat2 AM mcm dlm post#2 by cruz. but u can just visit any of the stalls, give ur ic and fill-up form. then they will contact u what u want. or go straight to the branch with all the reqd documents and let them choose+copy what they need.
sometime, they may not need all. klu mmg ada cc yg lain, lagila senang.
perks - depends on the promotion. now citibank bagi rebate for those yg bayar at least minimum payment on time. postpaid celcom users should also use citibank celcom card. 5% rebate. good catch. as long as u pay up
always check what's ur card type. gold commands RM100++ yearly fee or u can ask for waiver. i think now CIMB card ada free for life yearly fee.
melalut laks...yg penting, avoid if u can. if can't make sure payment cantekkkk... |
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Reply #5 adore_cat's post
semua skrg samalah % per annum tu, standard rasanya 18% per annum.
cuma yg beza ada yg tiada yearly, ada yg mahal yearly fee, ada yg ble minta rebat yearly fee and ada yg free yearly fee tapi mesti guna card tu beberapa( jumlah berbeza antara bank) kali dalam setahun.
btw, citibank credit card, klu ada lebih dr satu kad, dia punya credit limit tidak combined. Klu bank lain, klu ada 2 card dr bank tu cth mastercard dan visa, credit limit adalah combined, tapi klu citibank credit limit adalah berasingan. |
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utk yg kerja government, mbf card bagi rebet utk annual fee, but kena tulis surat and include salary slip utk tunjuk tempat kerja and fax to mbf customer service.
Gold card: annual fee Rm60 ( normal I think Rm160 or Rm120)
Classic card: annual fee Rm40 ( normal I think Rm80 )
and mbf ni selalu klu your payment trend bagus, dia akan tambah credit limit and change card to Gold gitu... rasanya sebab my Mbf Lady card sudah lebih 10 tahun, dr classic kad sampai lah dia upgrade pi Gold tanpa sia minta hehehehe |
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Reply #7 pejalanlangit's post
iyakah Ambank malas?
kad ambank sia tia pernah kena guna... so statement memang tia kena kasipun biasalah klu tiada penggunaan, dia tia htr statement.
tapi ada a friend yg tia bayar lama, ada juga kena kol dan datang juga tu letter from lawyer... saman trus. |
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seelok2nya jangan pakai cc citibank....dorang ni penipu besar!!!aahahhahha kino memang pernah ada history ngan citibank masa kino di penang dulu...bila kita dah potong card tu bukan main susah lagi dorang mo kensel kita punya akaun....dah setahun lebih potong n kensel kad tu....masih lagi datang bill suruh bayar annual fee...memang citibank ni bongok...
hehheheheh yang paling penting, kalo nak pakai cc bank apa pun takpe...yang penting bayar on time...and if u spent rm100 bayar rm100....pakai rm500 bayar la rm500...jgn tertipu dengan minimum payment of rm50 or berapa2 jak la...sebabnya u yg akan rugi nanti....u spent rm500...u pay rm50....baki rm450 tu kene caj interest....campur lagi penggunaan bulan depan tu...kalo tiap2 bulan bayar minimum je...after few months....kad tu mesti akan burst....
moralnya, selagi tak perlu pakai cc....selagi belum terdesak...jangan la pakai....if terpaksa pakai tapi takleh bayar penuh tiap2 bulan...bayarla semaksimum yang termampu....and most important of all...jangan sekali2 amik cash advance.....sangat bahaya! |
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Reply #11 kinokuniya's post
setuju, sia selalu simpan kad utk masa terdesak.. in case ada emergency.
citibank kad... entahlah, sia jarang guna kad tu, memang ada intention mo cancel the card but blum lagi terbuat. Tapi sia berminat dgn tu Shell citibank kad lah...
hehehehehehe |
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Reply #12 mac06's post
kalo nak pakai make sure dorang tak menipu dan kita ditipu
dulu my mom pakai citibank celcom....tu zaman line tepon utk celcom rm75 sebulan...konon kalo pakai kad citibank n pay bill celcom pakai kad tu, dorang cuma bayar sewa bulanan rm50 je...sampai setahun lebih masih lagi my mom bayar rm75 sebulan...bila tanya celcom kenapa bukan rm50 celcom cakap tu kena tanya citibank sebab promo tu cari citibank...bila tanya citibank pulak, konon dorang tengah proses....celcom yang lambat konon...my mom bengang, dia kensel tu kad....terhegeh2 org citibank call...suruh sambung balik la...dorang akan potong la...bagi refund la...sampai today teda refund...memang citibank tu penipu |
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Reply #13 kinokuniya's post
ooo gitu rupanya....
ehm... tinguklah nanti, sia memang mo cancel satu kad citibank tu. |
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Reply #15 pejalanlangit's post
cc sgt bahaya .... sementara masih tak pernah guna tu
jgn la guna.................. mampu lagi kan........................ |
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Reply #15 pejalanlangit's post
eheheheheh sama la...kino budget rm400-rm500 untuk susu n pampers anak2....so pigi giant or survey beli barang2 termasuk barng dapur...bayar pakai kad....lepas keluar dari sana terus pigi bayar....ehehehhehe dapat point ma....
tu contoh la... |
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Reply #17 kinokuniya's post
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susu + pampers...500? manyak ooooooo.... |
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Reply #16 cruz_gurl's post
sokong 100%....unless mo kumpul point and very2 disciplined mcm si kino  |
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Reply #18 pejalanlangit's post
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tu 500 harga kereta sebiji sudah tu kan ....................... |
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Category: Negeri & Negara
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Post time 4-1-2008 01:46 PM
变色卡
Author
