Saturday, December 17, 2011

Kebaikan Credit Card

Assalamualaikum...=))

Its Saturday... Lets go Shopping friends!!!!! heheheee.... Shopping and credit card memang tidak dapat dipisahkan lagi. Memang sangat besh bila kuar shopping tanpa perlu kuarkan tunai, juz swipe jer. What it called, KAD AJAIB. Macam citer Confessions of A Shopaholic gittewww...huhuhuu
Entry kali ni Honey nak pot pet sket pasal credit card. Ramai yang takut guna credit card bcoz telinga ni dah terbiasa dengar kes-kes orang muflis sebab kad ajaib tu. U all tau tak sebab apa jadi macam tu??? Sebab dorang tak gunakan credit card dengan bijak dan betul!!!
Actually banyak lagi kebaikan kot dari kekurangan credit card ni. Meh nak bagitau sket pendapat Honey pasal kad ajaib ni. Paling senang nak explain pasal Maybankkard 2 Gold Cards bcoz i already used this for almost 1 year. 
Hahh tu Gold Card dia. Bukan Platinum ok... Tak mampu lagi..Ceq baru keje setahun, last year im still student. Eh2 apa kaitan...Hahahahaaaa

Copppp.... jangan salah paham, Honey bukan orang yang berkepentingan dengan Maybank ataupun nak buat promotion. No no no... Juz wanna share sumting yang mungkin berguna untuk u all.... =))
This is da benefits of these cards. As you could see above, it offers a lot benefits which I think is the best credit card in the market at the moment...hihiii:
  • The benefits of two cards, Maybankard 2 American Express Card and Maybankard 2 MasterCard or Visa Card, in one sign up, one service tax, and one statement.
  • Enjoy a low Finance Charge of 8.88% p.a. on your outstanding retail balance, and save up to RM2300 a year. All you have to do is promptly settle your minimum payment of 5% or a minimum of RM25. Based on RM3,000 monthly spend with minimum repayment of 12 months
  • 5x TreatsPoints for every Ringgit spent on Maybankard 2 American Express Card and 1x TreatsPoint on Maybankard 2 MasterCard/Visa Card in Malaysia or anywhere else in the world.
  • 5% Weekend cash back when spend on Maybankard 2 American Express Card. A cap of RM50 per customer (Principal Cardmember) per month.
  • Enjoy lowest finance charge of 8.88% per annum on your outstanding retail balance. All you need to do is promptly settle minimum payment, 5% of the outstanding balance or a minimum of RM25. Maybank reserves the right to revise the Finance Charge as and when it deems necessary, with 21 days prior notice.
  • Lifetime Fee Waiver with complimentary supplementary cards.
Yang kat atas tu Honey curik dari Maybank page. Maybe yang tak pernah guna credit card tak paham apa maksud benda-benda kat atas tu. hehee

Meh nak xplain sket... Benda paling besh adalah mendapat 5% wiken cash back per month. Means kalo shopping RM 1000 time tu (5% from 1000 = RM 50), ble la dapat sket untuk belanja makan. Sapa nak bagi duet free kat kita wei???

Pastuh u all akan dapat 5x treats points untuk American Express (AMEX) dan 1x treats points tuk MasterCard. Means if u spent RM1000 (RM1000 x 5 = 5000 points). Banyak tuh. Kat sini i prefer to use AMEX bcoz of dis point. Masyukkkkkk....
So kalo points dah banyak, kawan-kawan ble la redeem service tax, barang-barang besh, takpun percutian yang besh.... Wahh Almost Paradiseeeee (iklan BOF sat)... Berbaloi-baloi kan....

Cakap pasal percutian, mesti ramai yang idamkan percutian luar negara. Sangat besh!!! Honey teringin sangat nak g Switzerland. OMG, what a nicest place, bila la dapat pegi...huhuhu... So yang ada credit card tak payah susah-susah nak convert duit, pegi money exchange. Swipe jer. Kad ajaib kan ada. hikhikkk

Then, klo ada credit card dan nak shopping beribu-ribu, tak payah susah-susah bawak bakul isi dwet yang banyak tu. Kena beratur panjang lagi nak kuarkan duit. Mana tau time tu nasib malang terus kena rompak. Iskkk jauhkanlah dari semua tu. AMIN... So point Honey kat sini, swipe is easy. kan?? Pastuh dapat lagi points...yeahhhhh...rely luv it.
Lagi satu kalo slalu outstation, credit card sangat diperlukan. Bayangkan u ada project site visit seharian, then kena attend one big-big meeting, then rasa penat dan tak larat balik umah. Sebagai langkah bijak u all pun pegi website AGODA (buk hotel kat sini murah..hihii), takpun mana-mana website tuk buking hotel use credit card. After meeting, balik hotel n rest dengan aman damai tanpa gangguan. Cool kan. Bcoz Honey pernah kena, pas penat bkeja pegi cari hotel, tapi semua fully booked. Huhhh sangat kecewa time tu. And one more thing, kalo u balik keje pukul 1 pagi, nak kuarkan dwet xble, cash pulak xdak, camne nak dok hotel?? So my answer is: Credit Card...=)

Untuk kes kat atas tu, credit card sangat berguna untuk on9 transaction. Nak book hotel, flite and macam-macam lagi. Pastuh sangat membantu di kala KECEMASAN....
Berbalik pada Maybankard 2 card, I know, mesti ada yang pikir camni, 

"Eh2 ada 2 kad, nanti kena bayar 2x service tax pulak".....No... Juz bayar 1 service tax untuk 2 cards tu kawan-kawan. =)

"Apsal nak ada 2 kad?? Satu kad cukup la. Tamak betul".....Actually bukan semua tempat boleh swipe AMEX, so in dis situation, u still can us ur MasterCard. Still dapat point tapi tak sebanyak AMEX la. But   no worries my dear friends, most of places terima AMEX dengan seadanya. =)

"Alaa...still ada interest 8.88%...ermmm rugi ja".... Helo helo helo.... Interest tu akan dikenakan kalo u all tak bayar utang credit card dalam bulan tu, means ur statement balance. Tapi kalo u all bayar abeh, takde la interest ok.

"Tadi Honey bagitau kena guna Credit Card dengan betul, macam mana tu, cer cite cer cite??".... Jawapan tuk soalan ni kena buat perenggan baru. Banyak nak citer ni....hikhikkkkkk =p

Penggunaan Credit Card Yang Betul

Benda paling penting yang u all kena pegang adalah berbelanja ikut kemampuan. Means kalo dalam bank ada RM5000, jangan la g shopping sampai RM7000. Melainkan ada orang yang sanggup bayarkan credit card u all...hihihiiii.. Perlu diingat, lepas swipe credit card u all kena BAYAR BALIK tau!!! BAYAR BALIK!!!

So kat sini Honey nak tekankan yang u all kena berdisiplin dalam proses pembayaran balik.

Every month u all kena tetapkan dalam diri dan sanubari untuk bayar habis Statement Balance. Make sure bayar b4 due date tu. Kalau tak u all akan dikenakan interest. Ramai yang ambil mudah, juz bayar Minimum Balance bcoz nak selamat, atleast dah bayar minimum, so pihak bank tak call la. Silap besar yer my dearest friends, utang tu akan bertambah-tambah dari masa ke semasa bcoz of interest. Melainkan u all dapat rezeki melimpah dari ALLAH dan terus bayar gedebuk, dats special case. Ingat!!! Hidup tak semudah dan seindah yang disangka (bagi mereka yang berhutangggggg credit card)....
"Macam mana nak bayar kalo duit dah abeh bayar benda lain...huarghhhh????".... Hahh kan dah bagitau awal-awal, berbelanja ikut kemampuan. Kalau diri hanya mampu beli kereta Myvi, jangan berangan nak beli BMW plak. Jangan sebab nak  bermewah-mewah pakai branded things dan gadget2 yg mantops, sanggup berhutang sana sini. Biar papa asal bergaya. DON'T!!!

"Tapi kalo harga barang tu mahal dan melebihi had gaji, camne pulak. Confirm kena interest jugak"... Tak tak tak....Ermm nak tanya sket, u all pernah dengar tentang easy payment n zero interest. Sekarang ni dah banyak tempat apply benda tu. Kedai letrik, henpon, kedai emas n macam-macam lagi. For example, u beli TV kat SenHeng RM3000 then u pilih samada nak bayar dalam tempoh 6bulan, 12bulan atau 24bulan. Kalo u nak bayar dalam tempoh 12bulan (RM3000/12 = RM250/month). Mudahkan, bayar sikit jer pastuh takde interest. Ble dapat points dari credit card dan juga SenHeng....Bijak kan!!
Psssttt nak share sket, untuk kita2 je tau. Hihihii...Ni kisah Honey time baru dapat credit card dulu. Sangat eksaited u know. Pastuh sangat takut dengan kisah-kisah orang muflis dengan credit card. So Honey buat apa, tiap kali pas swipe, balik umah bukak M2U, then terus setelkan bayaran. Even jumlah tu sikit jer, cepat-cepat bayar balik. Rasa lega jer pastu... hahahaa zaman kanak-kanak dulu.

Tapi kan tu satu cara untuk berdisiplin jugak tau. Atlest sentiasa alert akan jumlah semasa utang credit card tu. Kalo u all nak folo camnih ok gak, apa salahnya. Tapi agak leceh la. Better pas dapat statement terus bayar semua. Sediakan dwet siap2 untuk credit card. Manage ur monthly expenses. So far setahun guna credit card tak pernah lagi kena interest atau yang sewaktu dengannya. Alhamdulillah.

Kepada yang ada Credit Card tu, use bebehhh...use it. Nikmati ganjarannya. Jangan takut-takut. Honey tau ramai yang ada tapi takut nak guna, nak kuarkan time emergency jer. Rugi la klo macam tu bcoz u all takkan dapat points. Yup, im da points hunter...hikhikkkk.

Untuk yang kaki shopping tu hati-hati tau. Kalau tak boleh manage baik gunting jer kad ajaib tu dan buang ke laut, bagi ikan makan. eh2...hahahaa
So kepada yang belum ada credit card, apply cepat-cepat, banyak benefits tau. Tapi kalau tau diri tidak mampu untuk berdisiplin, baik batalkan hasrat tu. Sebab u all akan merana kelak. Ingat lagi!!! Its not about card, but ur behavour. Jangan salahkan KAD AJAIB tu, tapi salahkan diri anda sendiri!

Apa Kata Honey: Orang Yang Sangat Cool adalah Orang Yang Bayar Guna Credit Card. Peace =))


Honey IsyQiPosted By Honey IsyQi

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20 Responses So Far:

Anonymous said... Reply Comment

muda2 lagi dah ada kreditkad..gaji mesti bykkan.

Anonymous said... Reply Comment

entry ko buat aku nak apply satu...hahaha

anak merdeka said... Reply Comment

panjang lebar die punye explain.... moral kat sini kita kene pandai la manage credit card tu... kalo rasa2 tak mampu nak manage baik tak payah apply coz nanti akan makan diri sendiri....

Honey IsyQi said... Reply Comment

@anak merdeka hahh betul tu...key point dia kena berdisiplin...itu jer...=)

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amy said... Reply Comment

terbaekkkkk.....bru pas balik dr shoping guna kad ajaib..hihihi..pas gaji bayar terus lorrr =)

Anonymous said... Reply Comment

info yang sgt berguna utk saya...thanksss honey!!

Anonymous said... Reply Comment

aku tak berdisiplin hal berkaitan duit nih.so baik tak payah apply credit card.takut seyh ;|

Anonymous said... Reply Comment

hani... i skrg pakai visa maybank islamic ikhwan coz yg ni ikut syarak n i normally use cc ntuk isi myk kat petronas n this cc 5x points if kat petronas... mmg sgt berbaloi la point yg dpt stkt ni... nak tye, which is better ea if compare ngn cc baru maybank yg hani explain ni?yg AMEX tu, kat stesen minyak leh gune x? heee... tq....

Honey IsyQi said... Reply Comment

to anonymous: alamak sori baru prasan komen..sbb komen approve otomatik lak..huhu...
Bg hani Visa ikhwan tu pun berbaloi gak, tp 5x points utk petronas je ke?
klo AMEX guna kata mana2 pun still 5x points, mmg byk la points nk redeem nnt..tp xpnh try plak kt stesen minyak (sbb hani dah ade shell kad..huhu)..
kelemahan AMEX: xsemua tmpt ble guna, 20% tmpt hani pnh pegi xterima AMEX, seb baik la ade mastercard.. =D

Anonymous said... Reply Comment

satu kad ade 2 akaun kew?ms byr kena tanyer ade amex atau x?kalo x tanyer die guna akaun mn..sori sy newbie takut nk guna cc n br nk tau term2 cc..kalo boleh mmg nk guna...rs2 mcm boleh berdisiplin kalo guna cc ni..heheh

Honey IsyQi said... Reply Comment

Anynymous: 1 akaun Maybank, ada 2 kad (AMEX n MasterCard). Time bayar bagi je AMEX, better sbb ble dapat byk point. Kalo kedai tu xterima amex, nnt dia inform la..then u byr guna mastercard..easy kan? =)

InsyaAllah ble bdisiplin tu. Yang penting kena pandai manage expenses. make sure b4 guna card tu kena pikir dulu, ade duit tak nak bayar balik utang cc. hihi chayok2 =D

Anonymous said... Reply Comment

honey..kna byar dlam mase sbulan jer ke..mcm mana nk pilih term 12 bln ke 24 bln ke..tkot nk guna..tenkiu..:-)

Honey IsyQi said... Reply Comment

@Anonymous

eh takdelah dlm masa sebulan jer. kalau time tu tak cukup duit ble je bayar bulan lain, tapi ada charge sket jer.. tak banyak pun..

term 12bln? 24bln? term ape tu?

btw takyah takut la.. yg penting pandai manage dan disiplin.. chayok! =D

Zatil Zulkifli said... Reply Comment

honey..na tanya la sbb kira 1st time na apply credit card..mmg takut aah...hehehe! tp sbb tpaksa beli buku dr amazon & ade certain publisher dr overseas srh byr pembelian buku pki credit card maka tpaksa la apply..sbgai contoh kalo total buku 12k, pastu kita bank sedia kat crdt card kt 12k boleh la trus buat payment kan?

Honey IsyQi said... Reply Comment

@Zatil Zulkifli

Eh bukan macam tu. depends dengan credit limit yg pihak bank tentukan. Kalau credit limit just 8k, so boleh guna 8k je sebulan. Usually yg baru buat credit card, pihak bank bagi dlm 5k jer sebulan. Apapun depends dengan gaji kita la. Kalau gaji banyak, credit limit banyak la..

btw tak payah la takut nak guna. tapi kena bhati2 la yer..hihii =D

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