just had to leave some outstanding this month due to the house loan I mentioned ...
I don't know what sorcery is this... You only need to have credit history, you don't need to be in debt.
If like this, my car loan will not be approved from the first day. I have never owed back a single cent. Even I checked with bank on the possibilities to get house loan, they said I shouldn't have any issue for this. I'm getting my own house next year. I'm too poor for now.
I don't know what sorcery is this... You only need to have credit history, you don't need to be in debt.
If like this, my car loan will not be approved from the first day. I have never owed back a single cent. Even I checked with bank on the possibilities to get house loan, they said I shouldn't have any issue for this. I'm getting my own house next year. I'm too poor for now.
well .. have to keep some ready cash with me
since I need to pay downpayment .. and other expenses
Sorry guys. I know I'm a bit harsh. Because I will never encourage people to pay minimum amount or late payment since young days.
My second sister was a classic example and she was in a great debt before. She took 5 years to pay back to my aunt because my aunt helped her to pay everything to the banks.
Now only she started to have some savings. She only had RM 100 every month for 5 years but luckily she stayed at PD home. So food and accommodation were saved. RM 100 for her petrol because she needs car to work.
I have received calls from lawyers and etc. Banks la whatever you can think of. Luckily not loan sharks.
This post has been edited by fruitie: Aug 29 2013, 11:55 PM
Sorry guys. I know I'm a bit harsh. Because I will never encourage people to pay minimum amount or late payment since young days.
My second sister was a classic example and she was in a great debt before. She took 5 years to pay back to my aunt because my aunt helped her to pay everything to the banks.
Now only she started to have some savings. She only had RM 100 every month for 5 years but luckily she stayed at PD home. So food and accommodation were saved. RM 100 for her petrol because she needs car to work.
I have received calls from lawyers and etc. Banks la whatever you can think of. Luckily not loan sharks.
yea true
i oso very against idea of borrowing money from ppl
either bank or relative (house loan car loan itu exeption la )
anyway this is my 1st minimum payment from last year november until now ...
so i dun think im a bad cc owner
now it would be great if suddenly my mum somehow return me RM600 (RM400 being her monthly allowance)
r3apers & Mahihi, now I know the bazooka were meant for the wrong car
QUOTE(Mahihi @ Aug 29 2013, 10:23 PM)
i didnt tabao,i juz act duno....malas mau layan...juz now saw 1 carera s like rushing time,so he accidentally over take one persona,coz he hogging the fast lane,driving like 90 oni,then after overtaking ad,can saw the persona not happy,then he tried to chase the carera s and wan to overtake back,then both cars gone ad,then after few minutes,front cars abit slow ad,then saw carrera s put double signal,then persona behind following,at 1st tot is fren,then i see the persona owner covering his face like omg,lol.....padan muka this what i call,samo the carrera s owner is angmo....even scratch abit also the money can be used to pay down payment for his persona ad, people nowadays reli crazy,got better nth to do..
oic, lol. The fella bad luck, its good tht didnt play with those fella.
Communication. Tak cakap mana tau. Though my parents know how much I earn every month, I'm being frank to them how much I can give them because I still need savings for my own house. They are OK with RM 800 from me every month.
They are happy, I'm happy.
This post has been edited by fruitie: Aug 30 2013, 12:00 AM
Communication. Tak cakap mana tau. Though my parents know how much I earn every month, I'm being frank to them how much I can give them because I still need savings for my own house. They are OK with RM 800 from me every month.
His case is unforeseen sudden expenditures that he has to meet, causing him to pay short his credit card. It's not like he overspent and end up with a mountain of debt. Even buying a car was not his idea.
I have sometimes overspent due to unexpected charges and have to spread my repayment over months, but I have no problem getting a housing loan with 2 cars under my name.
I think you need to back off a bit here.
This post has been edited by dares: Aug 30 2013, 12:04 AM
His case is unforeseen sudden expenditures that he has to meet, causing him to pay short his credit card. It's not like he overspent and end up with a mountain of debt. Even buying a car was not his idea.
I have sometimes overspent due to unexpected charges and have to spread my repayment over months, but I have no problem getting a housing loan with 2 cars under my name.
I think you need to back off a bit here.
If you read his posts, he can afford to pay but he didn't want to pay just to get loan.
Ya, I'll stay away from this thread as well. Good day.
After all F&F is not the forum I'm well-versed in. I'm better off in Android, camera, finance and broadband section.
This post has been edited by fruitie: Aug 30 2013, 12:07 AM
If you read his posts, he can afford to pay but he didn't want to pay just to get loan.
Ya, I'll stay away from this thread as well. Good day.
After all F&F is not the forum I'm well-versed in. I'm better off in Android, camera, finance and broadband section.
Different people different circumstances, that's all I am saying. It's great that you are responsible with your finances, but others have different needs and they also have to understand they will have to pay for those needs.
You want cash liquidity? then you will have to pay the bank for it in the form of interest. In the end you reap what you sow.
I apologize if you feel offended, I just felt you are coming on to hard on txzsean when he is already burden with a lot of problems I won't pretend to understand.
This post has been edited by dares: Aug 30 2013, 12:12 AM
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