Saturday, January 24, 2009

bila cerita pasal duit part 2


Korang ada pakai kad kredit? Sapa ada angkat tangan!!! Hehehe Biasanya sorang tu adalah satu atau dua keping kad kredit yang belaian cawangan bank.. contohnya kad kredit maybank dan ambank.. dan ada jugak yang berani mati, bekeping keping kad kredit dia ado.. motipp.. chantekk ker korang nak pakai kad kredit banyak2..

Uol... kad kredit dalam bahasa mudahnya dipanggil kad hutang yer. Pemiliknya boleh membuat pembelian dan pembayaran tanpa menggunakan wang atau berhutang. Ia memberi peluang pemilik kad kredit berbelanja lebih walaupun tunai dimiliki sedikit pada ketika itu. Jangan berangan korang nak sedap sedap pakai pastu xmo bayar.. kannn korang la pondan berangan x sudah... nak menunjuk nunjuk yg korang ni gahhh.. diva antara diva yg ada kat muka bumi ni.. tp diva non ado.. diva kad plastik.. mrasa la korang dok berpindah randah.. asyik tukar no tepon sbb dia kejar hutang.. di kejar bank... rasakan!







Kalo uol nak tau golongan kaya menggunakan kad kredit bukan bertujuan mengambil hutang. Kad kredit digunakan untuk kemudahan pembayaran sesuai dengan konsep awal kewujudannya diasaskan oleh Frank MacNamara pada 1950. Pada ketika itu hanya golongan jutawan dan ternama mampu miliki. Ye lah.. diaorang banyak duit kan, dapat bill terus settle semua.. korang ado?? Terkial kial nak bayar.. kalo bole bayaran yak minimum tu pun korang nak minimumkan lagi... kann!


Sebaliknya pemilik kad kredit dari golongan berpendapatan menengah mcm we all dan iol termasuklah skali hehehe kita gunakan kad kredit sebagai sumber hutang mudah atau dipanggil ceti moden. We all hanya perlu membuat permohonan atau hakikat sebenarnya adalah ditawarkan, dan boleh berbelanja sesuka hati selagi tidak melepasi had ditetapkan. Bank plak macam2 hadiah dia bagi sbb nak tarik pelanggan.. yg kita kita plak.. seronok dpt hadiah x seberapa tu.. hakikatnya... bebanan yg menanti.. bagai nak rak kita tanggung.. huhuhu.. kannn nak sgt katanya.. org lain ada kad kredit.. kita pon xmo kalah... nak jugekkkkkkk... hambikkkkkkk...

We all tau kan.. kalo x bayar hutang kad kredit.. bakal di saman.. bakal dicrownkan korang ni diva muflis.. hina di sisi bank... korang papa kedana.. nak bikin apa pon susah uol... tp masih ramai yg x hambek pusing... tetap nak menjahanamkan masa depan memasing.. bila dah tertekan dengan kegagalan melunaskan hutang kad kredit kita terdedah melakukan perbuatan menyalahi agama dan undang-undang like rasuah, menipu, pecah amanah dan melakukan urus niaga haram, melachur, mencopet, menipu dll. Kehidupan sosial.. keharmonian rumahtangga tergugat hanya di sebabkan hutang.. perghhh shin pun takut bab hutang hutang ni.... semoga kita semuanya selamat uol.. bersederhana dalam apa jua keadaan... yg penting.. chantekkkkkk di sisi masyarakat.. chantekk di sisi agama.. kann tp kalo uol mmg x chantekkkkk perlu ker nak salahkan org laen.. huhuh x perlu!~

TIPS penggunaan Credit Card


Ok meh kita baca tips penggunaan kad kredit.. ado skit ni hah.. kalo nak byk2.. uol tambah la sendirik yer...

1. Anggap credit card tu macam duit yg di pinjam dari AH LONG. Lagi byk diguna, lagi byk hutang dgn Ah Long, dan lagi byk risiko akan kena kejar dgn Ah Long

2. Walaupon ada credit card, JGN BOROS. Ramai yg boros SEBENARNYA takde duit, tapi BERLAGAK ada byk duit dgn menggunakan credit card. DISIPLIN, kenalah pandai CONTROL DIRI SENDIRI kannnnn.. tekena batang batang dan hidung sendirik... well kebenaran memang agak pahit di telan..

3. Kalau urgent sgt nak guna duit nak beli peti ais ke, TV ke, tapi takde duit, maka gunalah credit card tu. Dan kalau anda terpaksa berhutang dgn credit card, try la buat INSTALLMENT dgn kedai selama 12 bulan INTEREST FREE (0% interest). Sekarang ni byk kedai yg offer. we all jer malas nak carik.. kekdah nya malas nak kuar merayap dok surver.. tp merayap cari jantan xper.. kannn...

4. Kalau kedai tu tak offer installment, cuba2lah tanya CREDIT CARD CUSTOMER SERVICE anda kalau dia ada offer INSTALMENT / EASY PAYMENT / ETC selama 6 bulan,12bulan,24 bulan atau 36 bulan. Check berapa HANDLING FEE :- 3% (12bulan),4% (24 bulan) atau 5.5% (36 bulan).

5. Katakanlah kalau anda ada byk baki tertinggal dlm credit card tu, maka, trylah usha2 credit card lain yg OFFER BALANCE TRANSFER yg interest RENDAH malah 0% interest pon ada. Ada byk, tinggal nak carik aja… Carik smpai jumpe, then apply credit card tu, then terus buat balance trnsfer. Tapi dgn SYARAT, JGN APPLY CREDIT CARD LAIN PASTU DITAMBAH HUTANG LAGI.

6. Cubalah BAYAR IN FULL the STATEMENT BALANCE setiap bulan utk avoid interest, sebab setiap credit card offer about 20 days interest free period. Kekadang.. kita dok tangguh.. bayar minimum saja... sampai bila la nak abis.. interest makin lama makin banyak dowh..

7. Kalau apply CreditCard, apply la yg takde ANNUAL FEE. Ataupon yg ada first year NO ANNUAL FEE ke, etc. Masuk tahun kedua, langsaikan hutang, dan tutuplah credit card tu, …Atau, masuk tahun kedua, call and minta WAIVE annual fee.

8. Kekadang ada orang bagi alasan.. guna kad kredit utk isi minyak kete.. kannnnn malas nak bawak cash katanya.. tp lepas tu... buat buat lupa.. x ada kira bajet utk duit minyak yg kita dahulukan guna kad kredit tadi.. mana pegi duit tu?? hah... pikir pikirlah kan...

banyak lagi kot.. tp shin x leh nak tulis panjang panjang... jap lagi nak kuar.. camni la.. shin sambil tulis ni pon.. shin dok belajar skali gak.. camne nak manage guna kad kredit.. di samping tu share kat kengkawan yg nak belajar manage sekali.. kalo yg IQ tinggi... bijak bebelanja tu.. good for you la.. keep it up.. bagi chance orang lain nak belajar.. tak semua orang bijak cam uol la kan... x gitu

motip korang nak buat camni... hutang korang still berlambak gak.. yg paling ponting.. how to manage... try solve it ngan cara bijak sekali.. kannnn

sekian





* i'm inesen

16 comments:

AzAz said...

dulu ada gak smpi 3 kad pas dh ada kad debit, pki yg tu jer lah, lg selamat...

i'm shin... i'm inesen said...

azaz : kalo boros... lom tentu selamat gak.. cuma x behutang jer ler

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