Cash advance dari CC

boyfwen · Post time 15-9-2008 06:07 PM

Aku nak tnya korang klu buat cash advance dari cc nie berapa interest dia arr .. Bukan aper..aku x pakai langsung cc nie ..member aku terdesak nak duit ..nak setel hutang dia ..aku pon dah tolong seberapa yang aku mampu cuma masih x cukup dalam 2-3K lagi ..sebab x sanggup nak hutang banyak lagi ngan org member aku cadang nak guna cash advance dari cimb cc dia .. aku macam x kasi la ..sebab aku rasa cam tinggi jer inteerest nye ..tapi member aku kata dalam 2 -3 bulan dia nak setel la hutang cash advance tue .. sio nak tanya sapa2 yg arif pasal nie ..brape ek interest utk ca nie dan camner dia dikira ..daily basis or monthly ..

psst ; saja nak tau .. org melayu nie memang banyak hutang ..

auntie_girl · Post time 15-9-2008 08:14 PM

me pon takder kad kredit

baru ada hutang kete n hutang ptptn...tuh pon rasa azabnyer nak bayo

medangmru · Post time 15-9-2008 09:17 PM

kalau boleh elakkan dr ambik cash advance fees sbb interestnya agak tinggi...kalau CIMB...setiap cash advance fee yang diambik akan dicharge sebanyak 5% drpd jumlah yang dikeluarkan subjek terhadap minimum RM15 yang mana lebih tinggi. Sebagai Contoh...kalau kita ambik

RM1000 x 5% =RM 50

Kalau ambik RM200 x 5% =RM10 tp masih dikenakan charge sbyk RM15 sbb nilai minimum.

Setiap bulan sebanyak 1.5% drpd jumlah baki amaun yang diambik akan di kenekan.

Cash Advances / Cash Withdrawals

12. (a) The Cardholder may obtain cash advances in such amount as may be permitted by the
Bank at its absolute discretion from time to time, by the following means:-
(i) presenting the Card at any branch of the Bank or of any member institution of VISA,
MCI and/or JCB together with the evidence of his identity and signing the necessary
transaction record;

(ii) use of the Card at any ATM of the Bank or of any other bank or institution with
whom the Bank has an arrangement(s) for the use of the ATM of the said bank
or institution (in which case the amount of each advance will be further subject to
the applicable daily withdrawal limit of such ATM); or

(iii) for all out of country transactions via ATM and/or any member institutions of VISA,
MCI and/or JCB whereupon the exchange rates (if applicable) imposed for such
cash withdrawals shall be the prevailing exchange rates determined by the Bank
at its sole discretion from time to time. The Cardholder shall be fully responsible for
ensuring that such transactions shall not violate the laws existing in the country
where the transactions are carried out.

(b) Finance charges will accrue on each cash advance from the date of the advance until
repayment in full at the maximum rate of 1.5% per month, which is equivalent to 18% per
annum (or such rate as the Bank may at its sole discretion decide if approved by
Bank Negara Malaysia), which rate shall be notified to the Cardholder in the Cardholder抯
Statement or otherwise in writing from time to time. A cash advance fee shall be
assessed on the amount of each cash advance at the rate of 5.0% of the amount drawn
(subject to a minimum of RM15-00 or such amount as may be determined by the Bank from
time to time) and shall be charged to the MasterCard, Visa Card and/or JCB Card
Account. The cash advance fee may be specified in the Statement and may be varied
by the Bank from time to time.

(c) The Cardholder may request the Bank to transfer funds from his MasterCard, Visa
Card and/or JCB Card Account to any of his other accounts held with the Bank. In
addition to the foregoing, the Cardholder irrevocably authorizes the Bank (without
having to seek the Cardholder抯 prior consent) to debit and transfer funds from his
MasterCard, Visa Card and/or JCB Card Account to any of his other accounts held
with the Bank to honour cheques, settle any debit transactions and/or generally to
place such account into funds where such account has insufficient funds whether
due to the termination of an overdraft facility or otherwise. The Bank may (but shall not
be obliged to) transfer funds as aforesaid. Funds transferred pursuant to this clause
will be treated as a cash advance to the Cardholder.

(d) The Cardholder agrees to be liable for all cash advances performed through the Card
regardless of whether such withdrawals are performed within or outside the assigned
credit limit

[ Last edited by medangmru at 15-9-2008 09:19 PM ]

hirai_saza · Post time 16-9-2008 10:35 AM

elakkan amek cash dari cc..bahaya wooo
kawan aku pernah terkena..kesnya ni lerr
siap naik turun mahkamah bagai sbb dah xmampu bayar interest yg makin lama makin menimbun
kuarkan duit melalui cc..interest tinggi
yg aku dgr hari2 kena interest ekk..?!

aqyueetda · Post time 16-9-2008 10:47 AM

Originally posted by hirai_saza at 16-9-2008 10:35 AM
elakkan amek cash dari cc..bahaya wooo
kawan aku pernah terkena..kesnya ni lerr
siap naik turun mahkamah bagai sbb dah xmampu bayar interest yg makin lama makin menimbun
kuarkan duit melalui c ...

dah mcm along lak ye

Z77 · Post time 17-9-2008 09:52 AM

ko cari jer kedai pajak emas yg ada logo credit kad..pastu ko swipe..dia cas dlm 5-6 % jer..dia kasi cash tapi konsider cam ko beli emas ler...hehehehe...

medangmru · Post time 17-9-2008 10:29 AM

hehehehe........kene berhati2 gak dgn cara camtu...mmg la dia cas dalam 5-6%...tp risiko kemudian hari ????

Aku mmg tahu boleh je suh derang swipe sbb cara ni mmg derang akan dapat untung berlipat kalai ganda...pemerhatian aku....cara mcmni merupakan cara terpantas dan "terbaik" utk dapat cash ...lebih elok berbanding kalau korang amik cash advance sbb tak dibebani dgn bayaran balik dan caj2 yang takl munasabah ( cash advance )...

kalau korang swipe RM3000 x 6% = RM180 berbanding RM150 melalui cash advance .....

TP....kalau x silap aku ....ATM yg kuarkan duit tu pun ada caj tersendiri...aku x ingat braper % tuk ATM Caj ...

rileks · Post time 17-9-2008 10:38 AM

kalau citibank 4%

diorg hantar cek nama kita.. isi je amount brp nak? (jgn lebih credit sendiri la kan)

medangmru · Post time 17-9-2008 10:48 AM

tu la...terkezut gak aku dapat cek tu....dia bagi 2 keping kan....satu cek yang dah di setkan....satu lagi cek kosong ( kalau nak amik kurang dr cek yang telah ditaip jumlahnya ....aku nyer cek pertama tu dia bagi RM9300...

kashaz · Post time 17-9-2008 12:39 PM

klu bank islam, caj rm12 je utk setiap 1K klu xsilap

chikli · Post time 17-9-2008 03:31 PM

Originally posted by medangmru at 17-9-2008 10:48 AM
tu la...terkezut gak aku dapat cek tu....dia bagi 2 keping kan....satu cek yang dah di setkan....satu lagi cek kosong ( kalau nak amik kurang dr cek yang telah ditaip jumlahnya ....aku nyer cek p ...

aku dpt gak. apa yang aku wat, aku koyakkan cek tu dan buang dlm bakul sampah. aku tak nak cuba2 amik cash advance.

tuan rumah, cuba tanya LOAN ON PHONE melalui cc tu. interest lebih rendah. kalau citibank mmg ada offer yg ni, tp cc bank lain aku tak tau lak.

rileks · Post time 18-9-2008 09:50 AM

hehe..

aku pun koyak terus...

pk nak byr balik... mkn taun woooo

medangmru · Post time 18-9-2008 09:03 PM

loan on phone ctbank tu ada lg ke???kalau x silap aku...loan on phone tu skang ni based on invitation....kene tunggu derang call...

sbb aku pernah amik dulu....mmg mudah bangat....3 hari duit dah masuk..

Acun · Post time 19-9-2008 08:11 AM

cash advance interest kira daily yer...kalo bleh takyah amik la...
yg org byk terperangkap tu ...

sblm amik cash advance..dia dah terlebih dulu buat utang retail (beli barangan )
then bila dia buat payment....payment tu nanti akan pegi ke bucket retail dulu...tu yg utang credit card jadik tak abis2 bayar tu...

bila retail dah abis bayar barular payment kita tadi pergi ke bucket cash advance.

medangmru · Post time 19-9-2008 08:39 AM

yg betullllllllll...kalau cash advance ni tak disekalikan ngan bucket retail...rasanya boleh pantau gak braper baki bagai...tp disbbkan dimasukkan skali ngan bucket retail...mmg payah...utang x abih2 le jawabnya..

good pint acun..

Gemukkkkkkk · Post time 19-9-2008 10:32 AM

kalau ambik cash advance denga bank, memang tinggi jumlah yang akan dibayar. elakkan buat camni. melainkan jika betul-betul berdisiplin dan mampu dapat duit bayar dalam tempoh singkat. kalau bertangguh-tangguh, memang berlipat-ganda la interest tu.

kalau ada jalan untuk swipe card di kedai tapi dapat cash dan bukannya barang (ala-ala kedai emas tu), bagus la. yang ni, ok sikit pasal interestnya tak setinggi buat cash advance.
tapi ini menyalahi undang-undang jadi jika diketahui, nasib la.

medangmru · Post time 19-9-2008 04:02 PM

tul tu....kalau Bank tau...mmg konpem kene ...dua2 kene.....

mmg pekedai ada yg buat camtu...ye lah..nak cukupkan syarat jumlah yang dikenakan oleh bank kalau nak kan card swipe machine tu ...lg satu...pekedai amik untuk atas angin...biasanya mereka akan caj 2-3% drpd retail transaksi....tp yg ni sekali ganda..dan ada yg terdesak....x kisah walaupun kedai caj interest % sampai 10%...

bygkan kalau korang terdesak nak RM5000....kedai caj 10%...senang2 je kedai dpt untung RM500....

kuya · Post time 29-9-2008 06:00 AM

wah!! ko ni mmg baik hati laa, sanggup berhutang untuk bagi hutang kat member.... kalu haku.. mintak maap lerrr. ada kommitment ngan member ko kerr yg dia nak bayor interest hutang CC yg telah ko cashkan tu? kalu tak ade baik tak payah... kalu ada baik wat black and white... tak pasai2 ko yg terjerat nanti.....