or minimum late fee still apply?

Park here.. i oso want to know

...................................

must pay min payment b4 due date then is ok

this is the kind of mentality that .... oh nvm

i ain't gonna change a thing

let the banks get more money

Yes no late charges. Used your extra cash to invest will get higher returns

Own money invest
Spend using theirs ppl money buy using credit

not late charges but got balance owe bank interest

every month pay minimum...no late charges but the monthly interest will make bank earn more money from you. unless of course all your card usage are on those 0% interest items.

No late payment charge. But 13-18% interest charge

Hutang, jangan tak hutang.

FYI, a percentage of your CC's outstanding amount will be taken as a monthly commitment when u apply for a housing loan.

no charge..

Takde wang guna debit. ..jangan berlagak....

Fuuuyooooo FIRST time posting something very useful AND related
Really historic event

How is your 7 series?

Good good, bank rike customer like you

confirm ts have lots of C.C debt, kesian..

Good, this is how economy growth. Spend more.....

Ts dont deserve a cc.

HAHAHAHA

bank will only thank you for making them richer


no money, dun use cc lah

seriously

that's the most expensive advice i will give you now

eh this is kopitiam, tok kok sing song.. so want to post something useful or not, also non of your business right?

ayam interested which investment can guarantee you 18% p.a. return ?

cos that's what your credit card interest charge is

Got one. Guarantee by future world richest man

http://www.bnm.gov.my/documents/2014/210504_FCA_en.pdf

Banks love those ppl who pay minimum monthly. They will give you lots of hugs and kisses.

Can give all your money to my acc i invest for U

yes.. welkum to bank slavery association

How to get platinum membership?

We are not encouraged to pay minimum payment, so if my min payment for that month is 230 does it make much different if i pay 250 ?

use CC buy 10K PRV from europe... pay minimum for 3months from buying point, manufacture,delivery, then sell PRV for 20k..

so 3 mths use 10k from CC + 3 mths cc interest, = around 100% ROI..

This post has been edited by ar188: Jun 22 2014, 11:03 AM

should go World or infinite liao..

yes Current Events guy, this is the path to financial freedom
people condemn you as slave of banks because they are jealous of you!!
they have very low credit limit so they dengki of you

cash out as much as you can from your credit card and only pay minimum payment okay? don't worry, your CCRIS record will be clean if you pay minimum.

then use that money to invest in Cari Gold or Arowana ventures. Profit!

18% vs 38% returns from your business ventures. Doesn't take a genius to figure out right?

For Mastercard, World is not the highest. The highest is World Elite
But depends on the bank too.

By invitation only lol

when i got my world 3 years ago, there is no world elite in malaysia

of coz now i dunno la.. u got world elite ar?

korek korek 3 years ago they din have. but now they have.
citi prestige is a mastercard world elite card

OIC, anyway i cancelled liao after getting all the enrich points from the card and cancelling it before the rm1k in anual fees..

when they finish with all the pecrious metals, they go for wolrd

silver, gold, plat, titanium, etc etc

now world

after this sky, mars, neptune, pluto, sun, milky way, some other star galaxy etc


inb4 platinum is the new classic nao. everything pun platinum

no extra charges

but still balance will get interest charges with standard rate

yeah plat is the new beginner card liao..

strange.. ppl like you so kaya...how cum you didn't ask the bank to waive it for you?
did you flash your VIP card to the RM or not?

unker ar dun beg from banks

banks beg from unker ar to not cancel the card

that's how cool he is

that time they said the condition why this card 1st year have to pay anual fee was the high enrich points given during that promotion period.. so i decide to use it , enrich my enrich card, then cancel before the 1year is up..

anyway, after cancel, they called me back n put me with the infinite visa which can waive anual fee.. so no complaints there..

This post has been edited by ar188: Jun 22 2014, 11:15 AM

hahahaha just beg or RM give "special service"
i suspect he took special service and cancelled the card in the end cause service no nice

see below:




just. how. cool. is. ar188 ?

i think lucifah and proton is cooler cos they got 50-70k stack of cash and the other got 42k bi-annual bonus cheque to show for..

not so high la interest, you think Ah Long meh?

house loan car loan ma 5% per ANNUM.

diff pipu diff style. for me i hate going thru the hassle of calling to cancel the card and for them to call back one month later to beg you with another offer (waste time) if you really like your current card and design you just wait for them to charge the annual first and then call your RM and ask why got annual fees?
she sure say oh it is nothing, and the line item is removed edi.

he is so cool yo. i am sure he gets free BJ for each card his RM begs.

that's the one he forgot to blur out the name rite?

TS will need help from AKPK very soon

as i said..that card is tied to a promo thing with enrich. so they gotta make it back somewhere right?
anyway, no i dont fancy holding on forever with one favorite card.. if dun like the conditions set by the bank, just switch lor..

admit it. you're jealous of TS right?
so you want his arowana ventures to fail and for him to default and masuk APKP right?
so bad hearted some /k/ people

got money, just waiting for interbank transfer to complete since they don't do it over the weekend.

I think if pay full amount on the day the statement is due, still can right?

credit card interest 13-18% per annum ma

then say per annum or 1% la.

cannot, TS so smart, he sure understand one

Lucky I constant pay on time or extra on my few cards..

Once kena from Citibank finance charges due to few ringgit different overdue. Call them and the void the finance charges as I have clean record all the time

ppl who only pays minimum clearly cannot afford it
ends up seeking help from AKPK
smart ppl pay full....uses CC for it points and advantages

rm50?

no late charges...but any rate of interest still applies

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

if liddat everyone wanna loan using CC

NO!.they charge the balance.if uleave any balance they will charge that balance