exactly lol. so what they are essentially doing (assuming i'm not a total retard) is lowering their potential income (interests) by 10%

from the "fine print", the extra interest is basically the regular 18% PA + late payment charges (as opposed to no late payment charges if for example i'm paying the minimum amount on my credit card as per normal)

and obviously it's compounding. eg: you didn't pay 2 months, so it's 480 + 480 * 18% + 10% (iinm) late payment charges.
that's the catch la... so yea you really need to discipline to die die cough up that money monthly, and since your cc is cleared, not rack up another load of debts on the cc again.

i guess.
have to take account on the early settlement (if you can) call up and time to process it also lol

Wanna go under which tree?

Later stroke and bore his S4PE to 3.8liter S4PnmgH

more or less la

If you continue to hang in the Inspira thread....let's see how that turns out

lol comfort zone using the old one lo... got petronas cash rebate and cimb clicks easier to make payments/monitor

OH SHI-

i very young meh? lol.
iswara inherited, never paid anything.

inspira loan, downpayment also need to loan from parents.

credit card limit a... let's just say if you're a good customer of the bank (eg: 2nd job bank servant keep paying interest to bank) they have absolutely ZERO problems in raising and raising to infinitely (so long they know you can pay it back/on time)

and yea i never had late payments ever for like 3-4 years lol.

http://twitpic.com/dxca8f
(that's from TPM to home near kepong)

FC of the RENESIS but none of the performance....

up car liao

really up car kaw kaw liao lo

What bank oh...

NMGH you don't put me on table again....

I stroke my S4 to W16 4 turbo tapau bugatti....Muahahahaha

cimb (my payroll banks in to cimb also)

it's by no means the best offer, but i'm lazy to go hunt/manage 0% balance transfers, so that's that la.

But still have debts wor. They say if keep paying minimum, never ever able to clear the credit card debt wor.

you tau bagus.

If I don't put you on table, you won't appear in this thread
1 way to make you start replying

I just love kopitiam's threads...thanks for the link 2Jay...the replies are making me hard not to laugh.....especially the reply of "celup petrol, set it on fire, instant ghost rider"...Hahahahaha damn funny

Those celaka damn kaw cold blooded one la...then 1 talk the talk, say want come burn my house...
Ktards

he actually mention want burn your house ?
that mean can make police report liao
then ownself burn some rubbish at front gate, the joker will be question

Ktards, expected. That's why I replied "All talk the talk". Then when ask for his address, he totally ignore my question

That's why I dont use cage trap...I just use those snap trap...kill them straight and quick so they don't suffer....use cage trap just too many extra job

Should use cage la, let them go at the mountains. They are innocent one bro. Just looking for food. Pity them to be born as rat.