he needs to borrow 15k from you, pay off cc debt, appeal refinancing, get refinancing money and pay you back.
if he pays just minimum payment, his refinancing will not go through.
credit card, question
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 Jul 11 2014, 03:16 PM
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Senior Member
791 posts Joined: Jan 2003  
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Jul 11 2014, 03:22 PM
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Staff
2,797 posts Joined: Nov 2007 From: On the beach 
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QUOTE(RO Player @ Jul 11 2014, 03:04 PM) you foever alone..how u know this....low pay..need cash fast...need to impress would be gf/wife/mistress...then no choice..easy money....cc loves him By that definition, my cc hates me too. in my case...cc hates me.. high CL never used all, always pay in full, buy to get points...    |
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Jul 11 2014, 03:23 PM
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Junior Member
17 posts Joined: Mar 2010
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QUOTE(silent_stalker @ Jul 11 2014, 11:19 AM) /k need reply asap, if rm15k hutang credit card, whats the minimum we need to pay monthly Look at your credit card monthly statement. It's clearly stated there. Go figure.This post has been edited by ON-LINE: Jul 11 2014, 03:25 PM |
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Jul 11 2014, 03:34 PM
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Junior Member
434 posts Joined: Nov 2012
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QUOTE(delon85 @ Jul 11 2014, 03:00 PM) if you go into AKPK, it will forever go into your record. WRONG. you can go for advice, not neccesarily need to use their help (in consolidating the loan by talking to bank you are indebted to). You can just go and ask for advice and it shouldn't go into your record. At least they help you plan. Pls don't misinform the public la brobanks will know you went to AKPK before and it will be impossible to apply for loan in the future. |
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Jul 11 2014, 03:39 PM
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Junior Member
434 posts Joined: Nov 2012
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15k might not seem a lot, but looking at your fren's situation it will easily snowball to 25k and above in a year or 2's time. Good that he is asking your advice. Am afraid he will need to use it again to complete this wedding, like buying bed, clothes, honeymoon and more. So I suspect it will go up 20 - 25k in a very shorttime.
What's done is done, it was his mistake to think he can refinance his property after changes done by BNM this year to control the situation. Banks are very very strict now, and that is actually a good thing. Just plan and do accordingly and he should be OK. Rmbr, cut the bloody card, or ask his wife to bury it in the garden or something |
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Jul 11 2014, 04:03 PM
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Senior Member
1,061 posts Joined: Jan 2003 
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QUOTE(satrianeo-x @ Jul 11 2014, 03:34 PM) WRONG. you can go for advice, not neccesarily need to use their help (in consolidating the loan by talking to bank you are indebted to). You can just go and ask for advice and it shouldn't go into your record. At least they help you plan. Pls don't misinform the public la bro Yeah I meant using their services, not just taking their advice. |
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Jul 11 2014, 04:16 PM
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Senior Member
1,021 posts Joined: Jul 2005 From: Neverland
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TS, u sure its ur fren and not u?
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Jul 11 2014, 04:33 PM
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Senior Member
746 posts Joined: Aug 2011 From: Lowyat.net
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QUOTE(silent_stalker @ Jul 11 2014, 11:22 AM) Not mine. A friend, he used it alot early this month while applying to refinance his property. Got rejected bcoz high commitment in cc, now helping him calculate his debt to income. In an event his house going to get lelong, do let me know.N I dont earn 20k I will consider to buy.... hopefully desperate sellers can give gooding price. |
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Jul 11 2014, 04:33 PM
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Junior Member
535 posts Joined: Apr 2012
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take personal loan
 you fren will pay more... reducing int rate (Credit Card) > fixed int rate (P loan) http://lmgtfy.com/?q=difference+between+fi...te+and+reducing |
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Jul 11 2014, 04:34 PM
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Senior Member
746 posts Joined: Aug 2011 From: Lowyat.net
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QUOTE(silent_stalker @ Jul 11 2014, 11:22 AM) Not mine. A friend, he used it alot early this month while applying to refinance his property. Got rejected bcoz high commitment in cc, now helping him calculate his debt to income. In an event his house going to get lelong, do let me know.N I dont earn 20k I will consider to buy.... hopefully desperate sellers can give gooding price. |
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Jul 11 2014, 06:38 PM
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Senior Member
852 posts Joined: Apr 2012
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QUOTE(deejay_krish @ Jul 11 2014, 04:16 PM) TS, u sure its ur fren and not u? Yes im sure. Unless im getting married again, this situation have no relevence to me  |
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Jul 15 2014, 10:52 AM
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Junior Member
186 posts Joined: Nov 2009 From: A State Of Trance
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QUOTE(RO Player @ Jul 11 2014, 03:04 PM) you foever alone..how u know this....low pay..need cash fast...need to impress would be gf/wife/mistress...then no choice..easy money....cc loves him hi, im quite new to cc. how I gonna ensure that I already made full payment coz the statement balance will still there even though already done full payment through maybank2u...in my case...cc hates me.. high CL never used all, always pay in full, buy to get points... |
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Jul 15 2014, 10:52 AM
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Junior Member
186 posts Joined: Nov 2009 From: A State Of Trance
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QUOTE(RO Player @ Jul 11 2014, 03:04 PM) you foever alone..how u know this....low pay..need cash fast...need to impress would be gf/wife/mistress...then no choice..easy money....cc loves him hi, im quite new to cc. how I gonna ensure that I already made full payment coz the statement balance will still there even though already done full payment through maybank2u... don wan kena charge 8.8% due to didnt pay full every month in my case...cc hates me.. high CL never used all, always pay in full, buy to get points...  |
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