UrbanNinja 0 Report post Posted February 1, 2010 Assalamulaikum.Saje aku bkak thread ni sbb ak tgk blm ade lg pasal kad kredit.nk tgk brp ramai yg pakai kad kredit dan tak.So blh la bg pendapat samada perlu@ tak apply credit card dan ape kepentingannya kpd manusia dan ape lak risiko mendatang.Ok...anyone? Quote Share this post Link to post Share on other sites
teri-chan 5 Report post Posted February 1, 2010 aku ada 2 kad (bukan nk bangga) ::icon_sad:: ::icon_sad:: tujuan aku ada kad ialah utk rainy days cthnya tak cukup duit nk isi minyak kete, or byr bil... or nk kawin hehehe... Quote Share this post Link to post Share on other sites
UrbanNinja 0 Report post Posted February 1, 2010 ko pakai kad kredit ape teri?p/s: kawin pun pakai kredit kad..alamat x lame la tu.hehe. Quote Share this post Link to post Share on other sites
ne7za 26 Report post Posted February 1, 2010 lawa sig ::icon_rolleyes:: untuk keadaan aku sekarang nih.keperluan 40% , kehendak 60% Quote Share this post Link to post Share on other sites
mjmax15 0 Report post Posted February 1, 2010 setakat nih cuma guna atm card ajer debit kredit ajer dari akaun sendirik. ::icon_razz::keperluan: 10% kehendak: 80% Quote Share this post Link to post Share on other sites
teri-chan 5 Report post Posted February 1, 2010 putra179 wrote:ko pakai kad kredit ape teri?p/s: kawin pun pakai kredit kad..alamat x lame la tu.hehe.what's dat suppose to mean? yeah yeah... such people so arrogant saying dat marriage base on loan will not happily ever after... then i'll guess those who keep filing for divorce have debful life izzit? huh!!! ::icon_evil:: aku guna hsbc ngn maybankard. Quote Share this post Link to post Share on other sites
K.A. 312 Report post Posted February 1, 2010 creadit card nie kadang2 menjadi keperluan tapi kes kat sekarang nie, da jadi macam kehendak diutamakan (nafsu la) (macam aku ::icon_razz::)keperluan,kerja,contoh macam kalau ko kerja kat events line nie, kadang2 ade je benda nak beli last minutesatau, selalu outstation pastu nak tido kat hotelyela, kalau nak tunggu cash dari kompeni lambat, so gune duit kita dulu pastu claims balik emergency kes pun boleh gune CC nieatau sekarang nie da menjadi trend beli berambus kat tenet tu kan...senang pakai CC niemacam DELL keyboard alienware tue, nak beli kene pakai CC, cash tak diterima..lagi plak beli kat tenet senang kan, free parking, toll dan minyak hatta masa jugak dapat dijimatkan, mase tu leh main2 ngan kucing ye tak ::icon_razz::siap deliver to your doorstep lagi liao...kehendaknie macam lifestyle sekarang, semua nak pakai gajet high tech, kuar blackberry beli blackberrykuar iphone beli iphone, kuar hp baru, beli hp baru...so kalau nak memenuhi nafsu, diaorang akan amek CC nie,..rase nye, ko katne?------------------------------------------------------kalau nak pakai CC nie, pakai 1 je da cukup,.bajet bulan tu perlu buat,beli benda yang perlu sahaja attau gune tuk kecemasan,(keta rosak ke, bini bersalin tengah bulan ke and so on la)jangan apply/amek 3 4 CCtakut tersilap langkah, padah woo..nak tips2 gune credit card??? google la, tu pun nak bagi tau ker? hehehe ::icon_razz:: ::icon_razz:: Spoiler:sape nak nasi tambah tu, jangan segan2 ::icon_smile:: Quote Share this post Link to post Share on other sites
UrbanNinja 0 Report post Posted February 2, 2010 teri-chan wrote:what's dat suppose to mean? yeah yeah... such people so arrogant saying dat marriage base on loan will not happily ever after... then i'll guess those who keep filing for divorce have debful life izzit? huh!!! ::icon_evil:: aku guna hsbc ngn maybankard.u're right teri.susah nk jumpa org tanpa hutang.wlu org tu jutawan sekalipun ttp berhutang.aku nk mtk suggestion la cc ape bagus dr segi benefit? Quote Share this post Link to post Share on other sites
Gunso 12 Report post Posted February 2, 2010 bank rakyat... dia org bg subsidi cukai rm50 tuh...bank lain dia bg rebet poin jer antara 2000 - 15000 mata...fungsi semua lebih kurang jer...cuma kalau cimb ngan maybank dia ada rebet kalau isi minyak kat petronas... uob lak bg rebet kalau isi minyak kat bhp...so pilih lah mana yg anda suka... Quote Share this post Link to post Share on other sites
UrbanNinja 0 Report post Posted February 2, 2010 so what the better one? Quote Share this post Link to post Share on other sites
Falcon 0 Report post Posted February 2, 2010 putra179 wrote:teri-chan wrote:what's dat suppose to mean? yeah yeah... such people so arrogant saying dat marriage base on loan will not happily ever after... then i'll guess those who keep filing for divorce have debful life izzit? huh!!! ::icon_evil:: aku guna hsbc ngn maybankard.u're right teri.susah nk jumpa org tanpa hutang.wlu org tu jutawan sekalipun ttp berhutang.aku nk mtk suggestion la cc ape bagus dr segi benefit?Jutawan selalunya berhutang jauh berkali ganda daripada orang biasa... Hati2 kalau bercita2 nak jadi jutawan..Tuhan tu Maha Adil.. kadangkala ada win-lose situation..we got lots of money.. we lose something in the process.. and almost 99% of the time.. apa yg kita hilang adalah kemanisan beribadat dan khusuk dlm solat.Aku pakai maybank by the way. Suka sbb byk ezypayment boleh buat.. most online merchant hanya support citibank and maybank jer... Quote Share this post Link to post Share on other sites
ne7za 26 Report post Posted February 2, 2010 macam mana plak dari segi fees? caj tersembunyi? atau interest? Quote Share this post Link to post Share on other sites
UrbanNinja 0 Report post Posted February 2, 2010 Falcon wrote:Jutawan selalunya berhutang jauh berkali ganda daripada orang biasa... Hati2 kalau bercita2 nak jadi jutawan..Tuhan tu Maha Adil.. kadangkala ada win-lose situation..we got lots of money.. we lose something in the process.. and almost 99% of the time.. apa yg kita hilang adalah kemanisan beribadat dan khusuk dlm solat.betul tu falcon.br td ak ade dpt sms bunyinye mcm ni "TAHNIAH! No.Simcard Anda telah berjaya dapat hadiah RM20,000. Dri "POWER ROOT" Sila call/dail perkhidmatan:00628999043777. Thank'youSender: +6281586490461. klu org yg x pk pnjg yg spt ko maksudkan mst dah terjebak wlupun dah terang2 no tel kt situ bkn malaysia punye.sori klua topik.(nnt ak bkak topik br psl kes penipuan ni).Falcon wrote:Aku pakai maybank by the way. Suka sbb byk ezypayment boleh buat.. most online merchant hanya support citibank and maybank jer...[justify]how about hsbc cc? nk tanye gak sbb tetibe dgr dlm radio td. Quote Share this post Link to post Share on other sites
nocturnal 7 Report post Posted February 2, 2010 aku guna 2 CC ni..so far aku rasa aku xpernah nak overspent.just CC ni aku simpan kot2 nak guna time emergency ke ape ke kan.so far kalau setakat nak shopping baju, gajet2, aku prefer cash lagi Quote Share this post Link to post Share on other sites
one0202 0 Report post Posted March 15, 2010 [quote name='nocturnal' date='03 February 2010 - 04:39 AM' timestamp='1265143140' post='1015499'] aku guna 2 CC ni.. so far aku rasa aku xpernah nak overspent. just CC ni aku simpan kot2 nak guna time emergency ke ape ke kan. so far kalau setakat nak shopping baju, gajet2, aku prefer cash lagi [/quote] CC nie kena pandai kawal la.... tengok budget bulanan dulu kalu nak spend... bagus time nk g jalan2 ke, x yah nk bawak duit banyak2... isi minyak dapat point, leh dpt hadiah lagik.. nak installment pon senang, 0%interest, tp kena pastikan bayar on time la....huhuhu aku pon ade bli plasma tv instalment, pasnie, settle byr tv tu, br la plan nk bli mende lain plak pakai instalment. yang penting, satu - satu, jgn 2-3-4barang instalment sekali gus....pening nanti... nak spend, kena pakai otak.....jgn pakai nafsu... Quote Share this post Link to post Share on other sites
UrbanNinja 0 Report post Posted March 21, 2010 (edited) ok.tq.sume.ak dah dpt ilmu skt pasal cc ni. Edited March 21, 2010 by UrbanNinja Quote Share this post Link to post Share on other sites
