you're jealous of TS
i used to be like you
now i am no longer like you
i max out my credit card every month
pay interests , no worries
asalkan my arowana ventures sukses

know got no money, still want to use CC
tanggung lah itu finance charge 18% p.a
bank very like customer like you

what is AKPK?

it is an organization that helps all successful arowana breeders like TS
after they have defaulted on all of their credit cards

Arowana King Practitioners Kingdom (AKPK)

Always pay statement due or current outstanding.

Pay full liao... And dun worry cause bank kenot charge u anything... 0 balance can spend without worrying

no.but interest full be on the balance. i rather pay full every month

I'm confused.



I thought if pay statement balance, no interest right?

but if pay minimum due, got interest.

so stupiak,
always pay last statement balance

the current outstanding includes amount that is not due yet.
why you so rajin pay back credit that is within interest free period (belum cukup bulan amount)

might as well take the money out go cheong!

Pay current outstanding helps control people to not use money that they don't have.

EDIT: wrong quote



This post has been edited by Current Events guy: Jun 22 2014, 01:11 PM

The most ironic thing is then you also become a bad paymaster and in future hard to apply for temporary credit increase, waivers, etc, and get a bad credit rating if you want to take loans next time.

that's like asking your wife to wear chastity belt when going out because you cannot control and might rape her anytime.

This is what I thought.

Just pay the statement balance, not the outstanding balance.

so later wanna go cheong?

Never ever pay minimum payment. If your minimum is $50, pay at least $150. Think about the interest charges and the delay you push.

sked stds

Nope, it's not. Try again.

high keras girls no STD one
only bukit bintang got

If you pay the full amount aka in statement balance , then nothing. You get to keep your 20 days interest free period

If you decided to pay minimum , this is how interest is calculated , lets say it is 18 p.a (which means 1.5% per month)

So lets say you bought sex doll from Japan new computer which costs RM 3000 ,

Minimum payment would be like RM 50 , but then you don't have RM 3000 to fully pay , so you pay minimum (which I DO NOT recommend). Instead you pay RM 1500 , do half settlement


This how the bank calculates the interest

Outstanding balance from last month + new purchases made * the interest rate

So if you do not use for the next month the card , aka don't swipe then the interest will occur only on the outstanding payment

this what causes snowball effect

Yep this is true , if the minimum is RM 50 , make sure you pay at least 50% , even tho you cannot settle 100% . It's okay , less interest will occur , so you do not feel the pinch


Banks like people who do minimum/half payment , for them , they can make good money out of you. That's why bank will offer you balance transfer la , additional credit card la