Sunday, June 12, 2011

CREDIT CARD BONGOK!!! (honest truth)

ok, i sakit hati dgn maybank (mb) credit card (cc)
I have both visa n mastercard.
slalu mmg pakai cash buat apa pun.
Tapi satu card i mmg slalu pakai utk bookings, isi minyak and makan kalau lupa keluarkan duit je.

So dah dekat nak kawen ni haritu i ada booked flight tickets.
So cc i dah jadi rm2837.06.
Walaupon credit limit 8k, i tak suka tgk cc i tertunggak byk sgt, so i bayar rm837.06 nak kasi ngam2 rm2k.
So sbb dah cantik rm2k, i pun tak pakai la cc, pakai cash FOR ONE WHOLE MONTH.
punyelah disiplin-- nak isi minyak, makan semua pakai cash.
Minimum payment i bayar so tak kena intrerest.

Guess what.....
Harini i check tetibe rm2616.48!!!!
Hangin tak aku??? Takkan interest RM600 over!!!
I didnt use my cc for one freaking month!!!
dahlah minimum payment i bayar!!!!
And selama pakai credit card 2tahun, sbb marah ada amount bongok tu, FOR THE FIRST TIME EVER TODAY-- i clicked my cc transaction history, i scrolled and checked sampai last month punye statement.

And guess what, selama ni MB mmg tak pernah state kadar interest!
Patutla aku bayar tiap bulan pon tak pnah abis.
dan lebih teruk sbg customer hak kita dinafikan!
Kita ada hak utk tahu brapa jumlah interest yg MB charge in RM!

ahhhhhhh any solution?
Kalau intrrest mcm bodoh ni, baik i bayar full n tutup cc terus!
Any solution nak pastikan interest tak naik? Teknik pembayaran ke...
Penat aku byr slama ni, hairan jugak tak kurang2 amount nya. Choy!!!! BlogBooster-The most productive way for mobile blogging. BlogBooster is a multi-service blog editor for iPhone, Android, WebOs and your desktop

16 comments:

  1. I'm not sure how much is the credit card interests are now but what i always do is: if the minimum payment is X amount, i'll pay X+RM150. Just so that it'll cover the minimum payment and interests.
    If you pay monthly minimum payment ngam ngam, maknanya sampai 2-3 tahun lagi pun tak habis2 jugak hutang credit card.

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  2. Shark: i bukan stakat byr minimum payment. I always bayar super extra. Cotph yg rm2837.06, minimum payment rm173 somrthing je, but i bayar rm837.06. I think more than rm150 yg u suggest kot? I mmg suka number credit card nampak canrik ngam2. For ef before thia amppunt 1488 contohnya, i akan bayar rm488, so nnti kat acreen appear 1000 ngam, cantik. Altho minimum payment rm90 je... I mmg bayar 5-7 times extra.

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  3. yg my SIL aja, lepas pakai CC 2 mggu lepas tu terus byr, so anda xkn di caj ape2 interest. kakak dia keje MB yg bgtau

    so guna 2 mggu sblum gaji je, dpt gaji terus byrkan. cara dia camtu

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  4. Hidayati: ohoooo logik. Sbb i slalu bayar 30hb je. So lepas ni kena buat habit bayar tiap 2minggu. Make sense, so interest tak sempat di charge kita dah bayar. Kan?

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  5. bayar full before due date, x kena interest..tp kalo ada outstanding amount lg yg bawa ke next month mmg kena interest sis..

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  6. i like poyaty pye tips.huhu.nt i amalkan.

    miss X, i geram gak dgr cite u ni.sbb i br je dpt kad.saja gatal nk ade ade kad maybank.b4 this hsbc je 1.haha.tkt byk2 kang jd lain pulak.tp i dh dgr banyak sgt version buruk pasal MB cc.kadang2 tu dia deduct automatik je dr akaun kite.gila ke apa?! haish. sng citer u nk puas hati call cs or g kaunter trus.i kdg2 tak faham dgn MB.kdg2 ok kdg2 certain part mcm lahanat...hihihi..

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  7. dear..i keje call centre jage kredit ka dulu..so i realllllyyyyy know how it works..it doesnt matter brape bnyk u byr..as long as x cover 100% outstanding,selagi itulah u akan kene interest..and worst lg kalau u byr after duedate..u akan kene latefee + interest somemore..thats how they make money dear...hehe..mungkin yg u nmpak kene charge bnyk tu dh campur govt tax kot yg rm50 tu?but trust me,normally kredit kad charge 17.5% p.a for interest..but for maybank duocard only charge 8.88% p.a...tp x mungkin kene smpai rm600..cube u check blk..maybe ade u terbeli brg lain lg kot..

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  8. Pussycat: aiyooo maksudnye i kene bayar habis la ek? Orbi just bayar yang i pakai waktu purchase ticket a.k.a rm1600++?

    lisa: hurmmmm hati2la... At least kalau dia letak the amount/calculation puas jugak hati i... Ini idaknyaaaa

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  9. Dalila: yang, mmg i tak beli apa2 guna cc last month. I tahan diri, kasik my mum pegang.... Maksud u jgm lebih '100% outstanding' tu.... If amount 2837, i kena bayar at least rm1400? or my last transaction made? Curlasssss i ada kwn expert pasal cc. Senan i refer.

    Ps: tolong advice i the best cara pbayaran supaya interest tak bgerak naik. Tee hee

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  10. if to avoid credit card punye interest, pay watever amount u spent before the due date. lets say this month u spent 500, next bill baru included the 500 kan?so bayar 500 bila bill smpai. u may refer to the due date in the bill. if bayar full amount before due date, no interest at all! i suggest if u xnk interest naik lagi, juz bayar full outstanding amount skang termasuk interest. :-)

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  11. dear..setahu yg i tahu..min payment tu laa amount interest yg di charge..so ble u byr min payment bermaksud u hanya byr interest je tiap2 bln..tanpa byr utang u..tu org maybank yg btau i.lg satu klo u pakai kad then u byr laju2 esok nye utk amount yg u pakai, tp interest still charge for amount yg u telah pakai bln tu even u dah wat payment laju2 after pakai tu..
    just for sharing..sori kalo salah info..

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  12. hye miss X..klu cerita pasal cc ni mmg wt i geram!tak kesah la ape jenis cc pun, mb ke cimb ke hsbc ke interest sume mmg cekik darah. i pun salu byr extra dr minimum payment tp interest ttp mak aiihh..tinggi yang hamat.cc ni klu ade susah, takde pun susah..haiiihh.

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  13. so far yg i tau, if you spend lets say rm2000 using your cc, nak tanak you have to byr full before the due date. the min payment only cover the interest rate (depends on the bank) that they're going to charge. so if you only pay half, lets say rm1000 for that month, the bank will charge for e.g. 5% of that balance. so tiap2 bulan unless you pay all off, bank will keep charging you that 5%.

    cth:
    1st month - 5%+rm1000
    2nd month - 5%+(5%+rm1000)
    3rd month - 5%+[(5%+rm1000)+(5%+rm1000)]

    and so on.

    the tips is to pay the full settlement.

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  14. miss x,if u ada problem bkenaan cc from tht bank,bleh refer kat i...i bleh check kan utk u....bleh checkkan why ada penambahan rm600 tu...x reasonable bleh tmbah byk mcm tu...

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  15. and also utk lisa,klu u refer my fb,u wil know i keje mn...klu ada apa2 bkenaan cc tht bank,i bleh asist :)

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  16. koranggggggggggggggggg mintak maaf lambat reply. thank you so much for the generous tips and thoughts. sayang korang! i dah lick nuff ads uols kerna kebaikan korang dan keterlewatan iols reply ;p

    ReplyDelete