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CIMB Direct@access, credit cards..
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TSUnseen83
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 Jun 9 2013, 09:41 PM, updated 13y ago
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Hi Greeting, 4 year ago i apply credit cards and cimb give me credit cards but name under direct@access Platinum... with limit 20K, my question is i never reach the credit limit... and always pay monthly 1K-1.5K monthly... but all time using the credit i never manage to finish pay the remaining balance of my cards... now i use upto 70% of 20k balance... i feel stuck and living of credit...  felt like prison, what i don't understand why/how cimb approve me the cards in the first place... ? and yes i am active on use of the cards and also pay monthly more then minimum every month..  but is been near 2 year my balance seem stuck... feel like prison... x any tips... if you exp it also how you ? do it... |
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TSUnseen83
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Jun 9 2013, 11:54 PM
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QUOTE(MNet @ Jun 9 2013, 10:13 PM) balance transfer e.g. apply another credit card and do balance transfer.. ah won't that create another problem for future... i trying to settle a previous long debt... and hard time to settle previous and try to create credit problem future.. no don't seem to be logic.. thx advise. |
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TSUnseen83
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Jun 9 2013, 11:54 PM
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QUOTE(David83 @ Jun 9 2013, 10:27 PM) please explain thx |
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TSUnseen83
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Jun 10 2013, 06:29 PM
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QUOTE(Pink Spider @ Jun 10 2013, 07:42 AM) 1. PAY AS MUCH AS U CAN, not just "more than the minimum required" 2. BUY WHAT U NEED, NOT WHAT U WANT Is it that hard to comprehend? 1) yes the minimum of card demand is Rm560-650 monthly... i manage to pay Rm1k or 1.5 monthly but sometimes car need service... new gaming notebook... designer clothing... lol sound shallow... but yesi pay more then the minimum as it stated on my main post.. THX advise tho.. 2)well ... i do not understand... if i dont need it i won't buy it.. but i geuss i need that's why i buy... hard to comprehend that...? peace thx advise  |
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TSUnseen83
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Jun 10 2013, 06:32 PM
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QUOTE(EddyLB @ Jun 10 2013, 07:48 AM) Obviously yes, it is that hard to comprehend for him Just cut the credit card in half, and use cash for everything until it is fully paid. If you have the determination, you can do it haha thx... but if i cut the card... when in deep emergency where i get money instantaneously? bank personal loan take 1 month.. and Direct@access only Card i have... sure is sound advise at end of paying off in 8-14 month i think i cut it off...  |
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TSUnseen83
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Jun 10 2013, 06:33 PM
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QUOTE(David83 @ Jun 10 2013, 08:07 AM) The problem that he might be facing is uncontrollable short term, high interest debt. That outstanding needs to bring down to certain level first. ah yes... when i get to 70% debt pay i may be better manage debt.. thx sound advise good sir'! |
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TSUnseen83
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Jun 10 2013, 06:36 PM
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QUOTE(Pink Spider @ Jun 10 2013, 10:08 AM) Some people will not learn until they are bitten hard. Just swallow the bitter pill, and do it the hard way. yes true lesson of debt in life is lesson learn from pure exp, good word i agree... but holiday to Hong kong or Japan with sweet GF... is very long term memorable too... but it cost with high price tag... hmm but thank you good sir'! |
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TSUnseen83
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Jun 10 2013, 06:40 PM
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QUOTE(gark @ Jun 10 2013, 06:35 PM) Step 1 - cut card in half Step 2 - sell off all your gaming notebook and pay the debt.  Step 3 - only spend money on food, transportation and rental. Buy nothing else. Step 4 - pay off your card loan with every single sen you have. Step 5 - finish pay up. you get financial freedom. Congratulations!  It's that simple... really. But you will be surprised a lot of people do not have the willpower to go through the step above, until they need to declare bankruptcy or AKPK. ah wow another idea ... forum full of genius...! "i say" thank you.. but how can i post on this threads? or play Farcry3 or crisis3 after 9-5 job 5 days week... all work no play make unseen dull boy.. and very lonely guy with old shoe and cloth... then GF lft me and... belly fill up...with food only... hmm but thx sound advise will take note. god bless |
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TSUnseen83
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Jun 10 2013, 06:42 PM
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QUOTE(foxxy @ Jun 10 2013, 06:37 PM) Have to put some effort in cutting unwanted expenses man. i heard O2 is not really needed... and some my friend say i am wasted on Oxegen... hmm maybe i can cut unwanted ... hmm gosh i need to make list... thx bro god bless |
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TSUnseen83
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Jun 10 2013, 06:46 PM
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QUOTE(gark @ Jun 10 2013, 06:42 PM) The more excuses you make, the bigger hole you dig for yourself. Later bankrupt, GF run away, no money to eat, cannot get good job (bankruptcy), bills mounting, then jump from KLCC...  Your choice... oh dear.. you are so correct.. thx advise of my future financial status... p.s are you Psychics ? woo awesome |
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TSUnseen83
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Jun 10 2013, 07:14 PM
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QUOTE(David83 @ Jun 10 2013, 07:06 AM) AKPK thread: https://forum.lowyat.net/topic/876712They'll help you to "reorganize" your debt for repayment. thank you.. you point the best pathway for me... "_) |
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TSUnseen83
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Jun 10 2013, 07:15 PM
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QUOTE(foxxy @ Jun 10 2013, 06:52 PM) eerie? why what? is somethng wrong with my picture...? i am real person i don'tl like to put cartoon as my avatar... ? sorry if i offended you... god bless thx. |
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TSUnseen83
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Jun 10 2013, 07:18 PM
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QUOTE(gark @ Jun 10 2013, 07:04 PM) Yeah.. funny. Well you gotta experience it for yourself...keep doing what you are doing.  P/S Bora-bora is an awesome place to bring GF also... why not try there next month. Since you are trolling, no need to reply you anymore.  hmm thx for advise... and bora bora... i never heard about that place.. but i will look up. p.s what is trolling? is that like in lord of the ring? i am confuse  |
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TSUnseen83
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Jun 10 2013, 07:22 PM
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http://www.akpk.org.my/ x thx moderator super place for me to visit and learn debt management. god bless
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