hamlaww 7 Report post Posted February 1, 2006 (edited) Minimum Payment, Maximum Pain !!! ade sikit petikan yg aku dapat dari internet dan aku rasa info nih sangat berguna untuk card credit holder !!!The big secret of the modern credit-card industry is that issuers of plastic are in no hurry to see you pay off your debt. In fact, they make a lot more money if you make only the minimum monthly payment. And they're smart enough to know that if they ratchet down the minimum amount due low enough -- say, to around 2.5% of the total balance, which is where it's been lately -- you'll keep spending money, and they can make a fortune on you.It's not in card issuers' interests for you to understand that if you borrow $10,000 on your credit cards and pay only the minimum payment with an interest rate of 19.98%, it will take you more than 37 years to get out of debt -- and before you do, you will have forked over nearly $19,000 in interest charges.The government has been pressuring the card companies to raise their monthly minimums. As a result of the recently enacted Bankruptcy Abuse Prevention and Consumer Protection Act, but sekarang nih even rm1500.00 pun dah entitle !!!But this, by itself, this won't solve the problem. If you're carrying a balance on any of your cards and don't want to be paying through the nose, you should still make a point of forking out more than the minimum payment. Your goal should be to pay at least twice the minimum every month. Assuming you aren't being charged an outrageous interest rate, you should be able to pay off your balance in less than five years just by doing this. So do it!one more thing apa kate korang ambik gunting dan potong terus credit card korang tuh !!! aku tahu memang seronok !! masa nak tenyeh credit card tuh cam ade satu feeling jer !!! tapi ingat hutang yg harus dibayar nanti !! Edited February 1, 2006 by hamlaww Quote Share this post Link to post Share on other sites
dzulcarnine 2 Report post Posted February 1, 2006 memang la... actually, bagi aku la.. kedit card nie guna untuk last resort. satu lagi, sekarang memang tak selamat bawak cash banyak banyak. lagi lagi la kalo nak belipart untuk komputer. risai jugak bawak cash melambak lambak. so, alternatifnya, pakai la kad kredit. tapi, etika guna kad kedit nie kena jaga. cam yg aku cakap, guna kad kedit sebab tak nak bawak banyak sangat cash. so, caranya bayar pakai kad kredit, then pegi bank, withdraw ammount yg pakai tu, then terus bayar (kan sekarang banyak tempat ada mesin untuk bayar kad kredit). dengan cara nie, boleh elakkan kecurian cash, elak hutang (bayar on the sport) dan satu lagi, dapat la bonus point sebab guna kad kredit. bonus point tu plak guna la untuk redeem hadiah Quote Share this post Link to post Share on other sites
DarkWan 3 Report post Posted February 1, 2006 (edited) Pakai cc ni atas disiplin memasing gak. Dia boleh jadi sangat convinient atau menambahkan sakit kepala. Member aku, saje je nk eksen pakai kredit card sampai 4 keping. Pakai tak jugak. Sorang lagi, pakai cc sebab semata-mata nk main WoW. Mcm aku, standby sekeping je cukup la. Kalau kecemasan, boleh guna. Mcm tahun lepas, haru gila Aku accident masuk hospital. Tade cash .. tade card credit .. huhuhu. Bil sepital mau kena bayar.Btw, aku pakai cc pun sebab terpengaruh dengan pujuk rayu kakitangan bank yang cun dan menggoda. Cish. Hahahah. Tapi aku memang setuju dengan bayar double dari minimum tu. Memang betul tu. At least, lebih sikit dari yang minimum. Edited February 1, 2006 by DarkWan Quote Share this post Link to post Share on other sites
nonama 0 Report post Posted February 1, 2006 bagi yang tahu manage dia punya akaun ok le kalau pakai kad plastik ni, tapi sesetengah tu ikut terdetik kat hati je, dia ingat dia boleh cover, sedangkan dia lupa last transaction juga dia pun berfikiran cam tu, dan sebelum-sebelumnya...akhir sekali ramai yang dah kantoi, manusia ni seleranya memang besar, sifat manusia yang ini le menyebabkan company palstic card ni mengaut keuntungan yang besar.Rasa aku lebih ramai yang tak berhemat ketika guna palstic card ni dari yang berhemat. Quote Share this post Link to post Share on other sites
hamlaww 7 Report post Posted February 1, 2006 memang la... actually, bagi aku la.. kedit card nie guna untuk last resort. satu lagi, sekarang memang tak selamat bawak cash banyak banyak. ←munkin betul kata2 ko !! tapi takkan dalm 365hari tuh ko akan berdepan dengan masaalah yg sama ?? a bit doubt gak answer ko nih !!! Quote Share this post Link to post Share on other sites
hamlaww 7 Report post Posted February 1, 2006 Actualy the main contributor to the reveneu sebuah bank ade lah late payment fee and interest dari plastik card holder !!! terang2 dah nampak !!The bottom line is: If you're not careful, credit cards can become a financial hazard that's hard to escape from. Quote Share this post Link to post Share on other sites
dzulcarnine 2 Report post Posted February 1, 2006 munkin betul kata2 ko !! tapi takkan dalm 365hari tuh ko akan berdepan dengan masaalah yg sama ?? a bit doubt gak answer ko nih !!! ←not saying that asal ada masalah sikit jer terus guna kredit card. maksud aku seperti yang aku explain tu... pakai, then bayar terus, takyah tunggu statement pun. bayar jer terus Quote Share this post Link to post Share on other sites
BraDeRz 0 Report post Posted February 1, 2006 so salah kredit card ke salah user? tolong bgtau?sbb kalu salah user so jgn bising pasal kredit kad..lepas ni buat la thread penyalahanguna motorsikal utk merempit, tv utk tgk blue, pc utk hacking, teropong utk skodeng,duit utk berjudi,ibadat utk riak,kayu utk balun orang,pistol utk merompak Quote Share this post Link to post Share on other sites
AkuSemakinBlur 0 Report post Posted February 1, 2006 nasib baik aku orang kaya yg paling miskin ....dengan itu aku tak mampu pakai kredit card..... Quote Share this post Link to post Share on other sites
BraDeRz 0 Report post Posted February 1, 2006 (edited) munkin betul kata2 ko !! tapi takkan dalm 365hari tuh ko akan berdepan dengan masaalah yg sama ?? a bit doubt gak answer ko nih !!! ←aku luper sape aktivis masyarakat yg selalu citer pasal hal ehwal pengguna dan kad kredit ni dan kat tv dia sll dijemput utk talk pasal kad kredit..Beliau pun mengaku dia pakai kad kredit..so isu kat sini not the card..tp user tu..kalu pasal bank amik bunge ke ape,tu user boleh tau lg dari sebelum waktu dia nak apply kad tu..bukan nye kebanyakkan org yg gune kad tu hari ni tak tau pasal bende tu pun...sama gak mcm ko beli barang secara ansuran potongan gaji atau bayar bulanan...bende tu tak pakai kad kredit pun tapi byk jugak duit bunge yg company khidmat ansuran bulanan tu dpt.. Edited February 1, 2006 by BraDeRz Quote Share this post Link to post Share on other sites
hamlaww 7 Report post Posted February 1, 2006 aku luper sape aktivis masyarakat yg selalu citer pasal hal ehwal pengguna dan kad kredit ni dan kat tv dia sll dijemput utk talk pasal kad kredit..Beliau pun mengaku dia pakai kad kredit..so isu kat sini not the card..tp user tu..kalu pasal bank amik bunge ke ape,tu user boleh tau lg dari sebelum waktu dia nak apply kad tu..bukan nye kebanyakkan org yg gune kad tu hari ni tak tau pasal bende tu pun...sama gak mcm ko beli barang secara ansuran potongan gaji atau bayar bulanan...bende tu tak pakai kad kredit pun tapi byk jugak duit bunge yg company khidmat ansuran bulanan tu dpt..←sikit info pasal aku !!!1. aku tak pakai credit card !! even pernah citybank merangkak masuk kat office aku offer card plastik dia !! ( mana dia dapat info pasal aku !! aku pun hairan ) !! maybank lagi giler tahu2 jer dia ckp card aku dah siap !!! bila masa aku apply pun taktahu 2. semua pembelian aku adelah dlm bentuk cash !!3 . mostly aku tengok card holder nih mesti ade minimum debt dengan bank arround Rm500.00 to make thing become worse diorang akan carry debt nih berbulan - bulan lamanya !!4. dan kebanyakannya tak tahu ape yg diorang beli dengan debt yg ade tuh !!moral yg cuba aku bawa kat sini ialah jgn berhutang tu jer !!!! jangan terpengaruh dengan reward point yg korang dapat !! tapi terpengaruh ler denga late payment fee yang korang pandang ringan .percayalah hidup lebih tenang tanpa hutang !!! Quote Share this post Link to post Share on other sites
Superior 0 Report post Posted February 1, 2006 Nape tak pakai debit card??? Lagi selamat, tak payah hutang!! Macam Kad ATM BSN Matrix tu, ade logo Visa Electron tu.. Quote Share this post Link to post Share on other sites
BraDeRz 0 Report post Posted February 1, 2006 (edited) mak bapak dgn abg aku pakai credit card HAPPY jek....kalu nko nak kabo keburukan credit kad ko jgn buat kenyataan umum..kalu tak berhutang tu idup bahagia yg masuk rancangan Bersamamu tu ade pakai kredit card ke? aku pun pun boleh bukak thread "jgn masuk universiti" sbb ramai yg menganggur skang..tp kite ade otak leh fikir relevan or not ape yg kite nak kate..dan jawap soalan post aku yg satu lagi tu:so salah kredit card ke salah user? tolong bgtau?sbb kalu salah user so jgn bising pasal kredit kad..lepas ni buat la thread penyalahanguna motorsikal utk merempit, tv utk tgk blue, pc utk hacking, teropong utk skodeng,duit utk berjudi,ibadat utk riak,kayu utk balun orang,pistol utk merompak← Edited February 1, 2006 by BraDeRz Quote Share this post Link to post Share on other sites
hamlaww 7 Report post Posted February 1, 2006 mak bapak dgn abg aku pakai credit card HAPPY jek....kalu nko nak kabo keburukan credit kad ko jgn buat kenyataan umum..kalu tak berhutang tu idup bahagia yg masuk rancangan Bersamamu tu ade pakai kredit card ke? aku pun pun boleh bukak thread "jgn masuk universiti" sbb ramai yg menganggur skang..tp kite ade otak leh fikir relevan or not ape yg kite nak kate..dan jawap soalan post aku yg satu lagi tu:←betul ke mak bapak ko happy berapa latest debt dia skrang ???? Quote Share this post Link to post Share on other sites
AkuSemakinBlur 0 Report post Posted February 1, 2006 bagi aku lagi aman kalau tak guna kad kredit ni..kalau hidup bergantung pada kad kredit memang susah kemudian hari..aku lebih suka buat something tu fikir untuk jangka masa panjang...apa kesan yg aku dapat untuk jangka masa panjang..kalau banyak keburukan dari kebaikan better forget it..kalau sebaliknya ..carry on Quote Share this post Link to post Share on other sites
AkuSemakinBlur 0 Report post Posted February 1, 2006 jap jap..braderz emo giler..siap masukkan mak bapak ngan abg sekali dlm thread Quote Share this post Link to post Share on other sites
hamlaww 7 Report post Posted February 1, 2006 Nape tak pakai debit card??? Lagi selamat, tak payah hutang!! Macam Kad ATM BSN Matrix tu, ade logo Visa Electron tu..←aku suka idea nih !!! tapi since aku pakai atm card kepala harimau tuh aku tak de banyak masaalah boleh slot jer kat certain place !! tak payah bawak banyak2 cash !!so salah kredit card ke salah user? tolong bgtau?sbb kalu salah user so jgn bising pasal kredit kad..←1.ko munkin nak aku jawab yes or no !! jer biar aku jawab dengan cara begini !! kesalahan card plastik ialah minimum wage yg dia letak untuk entitle dapat card ade lah tidak munasabah bayangkan rm1500.00 jer dah boleh terdedah dengan risiko bankrupsi !2. bila bab user nih !! diorang tak tahu sebenarnya betul ke diorang betul2 perlukan card plastik nih !! in pun satu big mistake .3.bad debt , late payment fee & risiko bangkrupsi akan terus membayangi card holder !! sepanjang hidup mereka !!4. soalan ko yg lain2 tuh tak relevan and out of topic harap maaf aku tak berkemampuan untuk menjawabnyer !korang leh check korang nyer bad debt ratio dengan bad debt / annual income = bad debt ratio let say kalu lebih dari 25% dari annual income it would spell trouble !!! bagi aku credit card nih cam cancer merebak ataupun snowball yg out of control unless something significant intervenes !! Quote Share this post Link to post Share on other sites
civ3 9 Report post Posted February 1, 2006 bagi aku credit card ni menggalakkan hutang sahaja....berapa ramai orang di luar sana yang gunakan credit card ni kaya dengan dengan hutang?.....lagi satu, sikap user tu sendiri untuk menjadikan credit card ni satu benda yang berguna atau sebaliknya sahaja.... Quote Share this post Link to post Share on other sites
locco 5 Report post Posted February 1, 2006 credit card ni aku tgk faedah dier mase2 emergency la...takder cash or tak cukup duit mase nak bayo sesuatu pembelian tu...besides that reason I won't touch it at all...huhu Quote Share this post Link to post Share on other sites
BraDeRz 0 Report post Posted February 1, 2006 sama ada emergency or tak..berguna or tak..si pembuka topik tetap tak sukak sama ituk kredit kad!! Quote Share this post Link to post Share on other sites
BraDeRz 0 Report post Posted February 1, 2006 1.ko munkin nak aku jawab yes or no !! jer biar aku jawab dengan cara begini !! kesalahan card plastik ialah minimum wage yg dia letak untuk entitle dapat card ade lah tidak munasabah bayangkan rm1500.00 jer dah boleh terdedah dengan risiko bankrupsi kalu dia just beli cd mcm ne? leh bangkrup ke? kat kedai cd skang rm40 dah leh pakai credit card..so tak bayar utang cd leh bankrup?agaknye ko kene cari sendirik ape tu definisi bankrup..brp jumlah utang yg baru leh dikira bankrup kalu tak bayo.. 2. bila bab user nih !! diorang tak tahu sebenarnya betul ke diorang betul2 perlukan card plastik nih !! in pun satu big mistake .majority user tau..kau tak pakai sbb tu ko tak tau..3.bad debt , late payment fee & risiko bangkrupsi akan terus membayangi card holder !! laugh.gif sepanjang hidup mereka !!mcm aku ckp td,nko kene carik brp jumlah debt yg boleh melayakkan seseorang tu diisytihar muflis..cakap dr segi case by case...tu yg paling sesuai.. Quote Share this post Link to post Share on other sites
AkuSemakinBlur 0 Report post Posted February 1, 2006 kredit kad ni kan sebnonya macam ALONG gak..cuma pihak management tak seganas ALONG dan lebih professional je..tu je yg membezakan ALONG dan bankers Quote Share this post Link to post Share on other sites
tasek16 82 Report post Posted February 1, 2006 kalau boleh jangan pakai lebih dari satu...cukup sekeping..jangan dok tambah credit limit..kalau bank bagi lebih kredit limit kita boleh mintak reducekan...so maksimum liability kita dengan bank terhad..let say kredit limit RM3000..so minimum monthly payment 5% + interest so lebih kurang RM150++.....apa-apa pun displin..kalau tak boleh displin jangan pakai...BTW c/card ada pros and cons Quote Share this post Link to post Share on other sites
hamlaww 7 Report post Posted February 1, 2006 kalu dia just beli cd mcm ne? leh bangkrup ke? kat kedai cd skang rm40 dah leh pakai credit card..so tak bayar utang cd leh bankrup?agaknye ko kene cari sendirik ape tu definisi bankrup..brp jumlah utang yg baru leh dikira bankrup kalu tak bayo.. majority user tau..kau tak pakai sbb tu ko tak tau..mcm aku ckp td,nko kene carik brp jumlah debt yg boleh melayakkan seseorang tu diisytihar muflis..cakap dr segi case by case...tu yg paling sesuai.. ←terima kasih atas komen ko tuh !! cuma kena besarkan sikit perspektif ko tuh !!! Quote Share this post Link to post Share on other sites
hamlaww 7 Report post Posted February 1, 2006 sama ada emergency or tak..berguna or tak..si pembuka topik tetap tak sukak sama ituk kredit kad!!←kenapa bila emergency jer ko ingat kad hutang ( credit card )takde benda lain ke ??? ini adelah metos bagi aku !! mana pegi saving korang ?? ASB , SAVING ACCOUNT or another investmnet vehicles korang yg lain2 ?? jangan ckp korang takde benda nih !!! korang mesti dah ade platform sebelum korang ambik credit card !!!well aku keep aleast rm500.00 kat dlm atm card aku untuk emergency case !!! that why ko kena ade saving !!! sama ade dlm saving account ataupun atm card ko tuh !!! Quote Share this post Link to post Share on other sites