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Author: NagaVillage

[Cadangan] KAD KREDIT TERBAIK

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Post time 14-2-2012 04:25 PM | Show all posts
aku pong tadak.
public balik2 talipon suh amik CC die
sbb aku ade housing  loan ngn die n payment ku agak cuun
itu yg die mengoffer CC itu, katanya.

mmg berhasrat jgk nak ade sekeping,
tp aku takuttt n mls nak study terms die.
dan aku tau aku kedekut amat bab duit2 nih.
tp bile tadak CC, dulu nak beli tiket firefly
rasa sedih amat psal CC je acceptable, debit card tak buleh
so tak dpt laaa tiket firefly. skrg tatau la gune CC je ke cemana
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Post time 15-2-2012 09:43 PM | Show all posts
Reply 21# silica_SiO2


   skrg fire fly dh bole bayar pkai debit kad la. tp pucca pkai debit kad maybank punya.yg gmbr ceri tu
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Post time 16-2-2012 10:05 AM | Show all posts
Reply 22# puccafan

skrg firefly dah mencekik dah
dulu murah2 masa memula die fly ke kuching tuh..
betol ke maybank visa tuh buleh? sbb aritu terai talipon firefly die ckp tak buleh.
dan ku cube jgk nak masuk gune maybank visa debitcard tuh
tp takde pon method itu.
skrgtatau laa...dah lama tak jenguk firefly
kes dah mls nak dulik pasal dulu takleh beli sbb tadak CC.
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Post time 16-2-2012 05:09 PM | Show all posts
Reply 23# silica_SiO2

firefly dh mahal skrg ni. dulu dpt beli tiket rm 10 dr subang pegi penang. pastu, kalo nk tuka date tak kna cas. skrg ni FF pon dah mcm AA. semenjak AA ada masuk campur dlm mas, FF dh tak dpt bersaing harga murah
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Post time 17-2-2012 06:28 PM | Show all posts
Post Last Edit by gorgonz at 17-2-2012 18:30

pernah guna cc ..   ambank, std chrter (ada lg ke bank ni? )  maybank...

dan semua dah terminate...
tinggal 1 jer...
sbb paling suka + selesa ... dgn HSBC... customer servis...mmg tip top...
tp ni pon kira nak terminate jg...

nak apply balik...visa jer...
(masih dgn hsbc)

gunanya time isi minyak jer... sbb klu cash... jauh weih nak tinggal kan kereta + ANAK2 dlm kereta...
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Post time 22-2-2012 04:14 AM | Show all posts
Post Last Edit by neomorpheus at 22-2-2012 07:55
Hmmmmmmmmm....cc dr mana2 Bank samada terbaik atau sebaliknya adalah sesuatu yang agak subjektif.... ...
medangmru Post at 10-2-2012 06:43


Betul tu..kena cari yg bersesuaian dgn keperluan kita. At the same time, pls ensure that u make payments before due date. I tak paham org yg buat tak kisah pasal payment nih..it's affecting your credit records. For me kat mana tempat yg i bleh swipe, i mmg swipe credit card. If u can manage well, using CC actually brings more benefits and savings but payment mmg kena discipline.

So far what i can see:
Kalo yg offer paling banyak rebate is OCBC.
Lowest cash advance fee is Bank Islam now 2.5%. Previously RM12 for every RM1000 so 1.2%. Normally 5%. Pernah nampak Maybank ade offer 0 fee for cash advance tapi during promotional period jer lah.
Best customer service & security i think HSBC. (pernah keje HSBC kejap dulu and i was impressed with the customer service training & quality hehe)..also pernah tgk list of credit card fraud by a merchant and i nampak majority of other banks mmg banyak tapi hsbc tak de. My friend pernah kena dgn maybank tetiba mcm ada org pakai 8k..
Banyak priviledges would be Citibank, HSBC, Standard Chartered (tapi skrg dah makin kurang), CIMB & Maybank.   
Pay by points now available for Citibank & CIMB. Citibank point is evergreen (x expired). I'm now planning nak beli iPad kat Harvey Norman and pay by points (dpt free jer ). Nak tunggu ipad 3. But if u take yg ade rebate tu tak de points la rasanye..
Some banks like Citibank, CIMB ada grace period 3 days after due date for payments. meaning that kalo u bayar within 3 days after due date tu still tak kena late charges etc. Sometimes i use this cos kalo towards due date tu ramai sangat org nak bayar kat cash deposit machine tu. (I'm not that comfortable of using inter bank transfer hehe). Mcm Bank Islam tak de..personally i think customer service Bank Islam sucks and paling poor quality. I'm just keeping Bank Islam in case need emergency cash since it offers lowest cash advance fee that i know..

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Post time 29-2-2012 09:01 AM | Show all posts
Since ada topik psl cc...nak tanya siapa pernah dengar or guna Kad Kredit Islamik Al-Aiman from BSN yg ada easy payment plan tu..Any ideas?
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Post time 5-3-2012 02:21 PM | Show all posts
tak ade kad kredit terbaiknya
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Post time 9-3-2012 08:08 AM | Show all posts
XDE cc but planning to have 1...jenguk2 benang ni, cari infor.... kwn2 ckp kena ada 1 dlm smpnn, utk emergency time....
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Post time 9-3-2012 06:03 PM | Show all posts
jarang guna CC ni, cuma guna time beli tiket bus/flight jer
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Post time 12-3-2012 01:52 PM | Show all posts
ade org nk suggest sy guna hsbc amanah..ok x??
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Post time 13-4-2012 02:59 PM | Show all posts
ikut pengalaman saya dulu ada 7 keping.... sekarang dah ada 6 kpg kad cc.. last i potong kat cc cimb  bank, sebab kad dia dah x best pakai.. pakai ke.. x pakai ker tetap bank nak cas govt yg rm50 tu.. huh ! x best langsung guna kad cc sekarang.. kalau belanja tu sampai x ingat dunia.. huhu besttt... pastukan bole berjimat time dia buat promosi.. yg x best kalau diorang buat promosi spa... facial free  tu ( acually bkn free pun.. last2 buat beutician bodek suruh ambik 1 pakej..hahaha) tensen i..
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Post time 13-4-2012 11:59 PM | Show all posts
Post Last Edit by bosz_eminent at 14-4-2012 00:01

org kata CC ni x bagus, jgn pakai la apa la,for me subjective. yang tak bagus bukan credit card ni,tapi org financial planning dia teruk n kata CC ni x bagus la ape la yang tak bagus sebenarnya...kalau pandai ukur baju badan sendiri, disiplin, CC ni byk kelebihan. Discount kat outlets, cashback, bla2..semua ni you takkan dapat kalau u bayar cash.so pada yg mmg trus bayar ikut bulan n tak tlajak guna, syarikat CC ni rugi sebenarnya.yela sbb kalau bayar cepat (ikut bank masing2), no interest + you dpt discount+cashback+bla3...so in simple maths you all pun bleh nmpk kan untung guna CC ni compare dgn cash.

but even citibank is my 1st CC, secara awalnya (sy pun baru x sampai setahun guna,dan time apply tu tak baca terms dia), sy akan kata citibank ni agak mahal dr segi fee.interest mgkin lebih kurg je dgn yg lain.kelebihan citibank ialah dia worldwide cover,so pada yg selalu travel,maybe tak melampau kalau sy kata citibank is the best. cuma kalau untuk kegunaan local sahaja,rasanya ada yg lebih murah,yg no gov tax pun ada.kena tgkla.tapi rasanya bukan semua CC local bank ni boleh guna kat oversea (as far as i know lah)

pada yg kata haram tu,sy bukan apa, CC ni kalau kita bayar ikut time,atau awal, dia no interest kebanyakannya. So tidak timbul isu riba bla3 tu.sendiri mau igt lah
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Post time 17-4-2012 11:31 PM | Show all posts
Kad kredit yg terbaik adalah jika ia mempunyai tuan yang dapat menjelaskan hutang tanpa dikenakan interest..

Lalalala
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Post time 20-4-2012 10:08 AM | Show all posts
sume x baek...tambah utang...haha
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Post time 20-4-2012 03:45 PM | Show all posts
klau ada cash belilah secara tunai pakai CC nie byk baik n tak berapa baik...silap percaturan smpi senjalah tanggung hutang....
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Post time 20-4-2012 03:59 PM | Show all posts
aku pon xde cc tp aku ade beberape persoalan:

1- katelah aku berbelanja pakai kredit kad bulan tu dlm rm100, so berape yg aku kene byr?
2- yg korg dok kate kene interes tu mcm mane? pakai rm100 pastu kene byr rm110 tiap2 bln ke?
3- katelah aku beli tiket wayang rege rm20 pakai cc, pastu pas abis tgk wayang tu aku terus gi atm byr rm20 boleh ke?or kene tunggu monthly statement?
4- rm50 cukai tahunan tu still ade ke? mmg wajib byr tiap2 thn ke?
5- cc ni annually ade kene byr annual fees ke?

tq bagi sesape yg sudi jwb

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Post time 20-4-2012 05:12 PM | Show all posts
aku pon xde cc tp aku ade beberape persoalan:

1- katelah aku berbelanja pakai kredit kad bulan tu dlm rm100, so berape yg aku kene byr?

Bayar juga RM100 sebelum due date.
kalau cuma nak bayar minimum, hanya 5% sahaja tapi akan dikenakan interest


2- yg korg dok kate kene interes tu mcm mane? pakai rm100 pastu kene byr rm110 tiap2 bln ke?

Kalau hang bayar sebelum due date, xdelah dikenakan interest.
Contoh :
Tarikh Penyata (Statement Date) : 26 Mac 2012 (Pengunaan cc dari 27 Februari - 26 Mac 2012 = RM100)
Tarikh Pembayaran Akhir (Due Date) : 15 April 2012

3- katelah aku beli tiket wayang rege rm20 pakai cc, pastu pas abis tgk wayang tu aku terus gi atm byr rm20 boleh ke?or
kene tunggu monthly statement?

Boleh je.. aku biasa buat tp byr via maybank2u jah.. sbb ku boleh monitor penggunaan CC

4- rm50 cukai tahunan tu still ade ke? mmg wajib byr tiap2 thn ke?

Setakat ini mmg wajib bayar sbb ni tax dari gomen .. tp ada certain bank yg boleh guna point utk byrkan GST ini..
Cth : Maybank guna 10k point

5- cc ni annually ade kene byr annual fees ke?

depend pada jenis CC yg diambil.. ada yg free for life... ada yg kena swipe at least 12 kali setahun,  boleh waivekan annual fee..

tq bagi sesape yg sudi jwb
hBk Post at 20-4-2012 15:59

ku dah tulun jawabkan tapi harap yg lagi arif dapat beri tunjuk ajar

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Post time 20-4-2012 05:46 PM | Show all posts
Bayar juga RM100 sebelum due date.
kalau cuma nak bayar minimum, hanya 5% sahaja tapi akan diken ...
kaogi Post at 20-4-2012 17:12


thanks bro...
aku tanye bkn ape sbb aku ade tgk kat cinema tpt aku ni ade special utk cc holder...
buy 1 free 1 kalo pakai cc...
so pikir2 aku pon mampu byr pakai cash, tp kalo pakai cc dpt jimat why not kan...
dah beli tu nnt pi la byr blk on the spot...

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Post time 22-5-2012 07:59 PM | Show all posts
byk kelebihan kedit kad ni bg yg reti menggunakan kelebihan yg ada.. shin guna kedit kad maybank.. x penah ada masalah.. x suka bwk cash.. tetiap kali beli barang byr guna kad kedit.. then aritu gak shin settlekan payment.. x pon esok lusa.. yg x penting x lebih dari 20 hari utk mengelakkan dikenakan interest..

Bila kita selalu guna kad kedit.. byk lah point yg kita dpt.. then boleh redeem.. had limit kad kedit shin cuma 4K je tp shin penah bank in dulu 15K kedalam akaun kedit kad utk settlekan payment bikin kabinet dapo.. so x perlu bwk cash.. selamat dan dpt byk point.. walau had limit 4K tp di sebabkan terlebih duit dlm tu.. so xde masalah.. leh guna gak..

selain tu.. shin suka amek barang kat kedai yg menawarkan 0% interest.. leh bayar secara installment.. 6 bulan, 12 bulan, 24 bulan dan paling lama 36 bulan.. shin mampu pakai barang yg mahal tp shin bayar secara ansuran.. tiada caj tambahan.. bestttt .. lepas dah settle hutang.. leh amek brg len plak..

masa memula dpt kad.. pihak bank ada bg no pin kad kekalau kita nk amek cash guna kad kedit.. hmm masa tu shin x tengok pon no pin malah shin buang terus .. shin x mo terjebak.. selalunya interest kita amek cash guna kad kedit ni.. interest dia sgt tinggi.. pastu nnt korang ketagih nk kuarkan.. hmm better jgn mulakan ..

skrg ni shin dok pikir nk apply kad kedit baru.. x pasti lg nk amek HSBC atau Public Bank.. pasal shin nk amek barang kat SSF secara installment 0% .. hanya 2 kad tu je yg boleh.. nnt dah abis byr leh matikan kad @ kalo besh.. leh guna terus.. cuma kena bayar tax tahunan Rm50 .. kalo dah 2 kad dah Rm100

moral of the storynya.. jd la pengguna kad kedit yg bijak dan betanggungjawab .. kad kedit memudahkan tp salah guna leh menjahanmkan hidup anda.. kalo beli makanan guna kad kedit.. seeloknya cpt cpt bayar.. sbb jd darah daging.. kalo lmbt lmbtkn bayar.. tetiba dah arwah.. x pasal pasal mati dlm keadaan berhutang

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