Mar 9 2012, 11:37 AM
QUOTE(v2_vehooi @ Mar 8 2012, 11:58 PM)
Bro, I also got applied this 0% 6-months BT with reducing balance.
The call centre staff, En. Wafi confirmed with me that I just need to pay 5% of BT outstanding amount in first 5 month, then 6th month pay in full.
And my statement already arrive. The problem is the BT amount is mix with my retail transaction which mean in one same statement.
And yesterday and today I just call the call centre and you guys know what is their answer?
They inform me even now i pay minimum amount, I still will kena financial charges this month.
My feb 2012 statement:
- normal transaction is total RM200
- The bt amount is RM20K
based of my understanding, I just need to pay RM200 in full + the RM1000 (20K * 5%) = RM1200 (it can avoid financial charge)
But, what the CS told me was even though I pay minimum payment, I will still got financial charge unless I PAY FULL???
what was that ? fu*k....then what is the meaning of 0% BT ??????
you bt a total of 120k for 6 months or total of 20k for 6 months?The call centre staff, En. Wafi confirmed with me that I just need to pay 5% of BT outstanding amount in first 5 month, then 6th month pay in full.
And my statement already arrive. The problem is the BT amount is mix with my retail transaction which mean in one same statement.
And yesterday and today I just call the call centre and you guys know what is their answer?
They inform me even now i pay minimum amount, I still will kena financial charges this month.
My feb 2012 statement:
- normal transaction is total RM200
- The bt amount is RM20K
based of my understanding, I just need to pay RM200 in full + the RM1000 (20K * 5%) = RM1200 (it can avoid financial charge)
But, what the CS told me was even though I pay minimum payment, I will still got financial charge unless I PAY FULL???
what was that ? fu*k....then what is the meaning of 0% BT ??????
if total of 20k for 6 months, your monthly repayment for the bt will be EITHER
1) 20k/6 = 3333.33 OR
2) 20k/6 x 5% = 166.67
if total of 120k for 6 months, your monthly repayment for the bt will be EITHER
1) 120k/6 = 20k OR
2) 120k/6 x 5% = 1000
it depends on the tnc of your bt when u sign up, both still 0% but (2) is definitely better
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