Credit Card Thread V6
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 Jun 10 2009, 11:08 AM
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#1
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Junior Member
108 posts Joined: Nov 2007  
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hello there.. anybody know about esave??
Added on June 10, 2009, 11:10 amif somebody out there have experience with esave.. please share here.. i'm still considering want to get esave help or not.. This post has been edited by lieck: Jun 10 2009, 11:10 AM |
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Jun 10 2009, 11:32 AM
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#2
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Junior Member
108 posts Joined: Nov 2007
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QUOTE(hye @ Jun 10 2009, 11:16 AM) esave ... you mean esaver ? actually.. i means is esave not esaver... esave is one company that help people who want to reinstallment monthly payment for cc user.. its more cheapest than monthly charge by cc bank... this is the link www.esave.com.my..esave is not a known cc product. esaver is a banking account product ... you got the wrong thread my friend to ask for help.  |
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Jun 10 2009, 11:23 PM
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#3
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Junior Member
108 posts Joined: Nov 2007
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QUOTE(tinkerbel @ Jun 10 2009, 12:33 PM) @lieck, erm i dunno about BT tool.. but im searching a better way how to completely settle my outstanding balance... the interest is very high.. when i pay minimum payment monthly.. do u have the solution?U mean it's a Balance Transfer (BT) tool?!  Added on June 10, 2009, 11:27 pm QUOTE(hye @ Jun 10 2009, 01:58 PM) I have no experience dealing with them but an honest opinion, why risk getting yourself attached to a non-financial institution ? Get financial products from a reputable bank or financial institution however good their offers are. You just don't know what will happen to you in the future. You can get BT from any reputable banks in Malaysia. Erm thanks for ur advice.. honestly, im still dunno about BT... how to do that?Note : I agree that we shouldn't be promoting BT, cash advance or anything similar coz that's the beginning of a bad financial spiral. However, everyone need a good advice as what to do and what not to do when using cc. (or anything linked to it) Actually, im still searching a better way how to completely settle my outstanding balance [OB].. im paying minimum payment but the OB not reduce la... huhuh.. do u have any solution?? This post has been edited by lieck: Jun 10 2009, 11:27 PM |
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Jun 11 2009, 01:31 PM
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#4
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Junior Member
108 posts Joined: Nov 2007
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[quote=Reventon,Jun 11 2009, 05:22 AM]
There is no other way to reduce the outstanding except paying and stop using it, as CC product is the most profitable business for bank,because of the interest they charged ! just keep your card in the drawer and keep on paying. Each swipe now cost you interest the next day, so you know what you're going to do now right?  Erm for ur knowledge.. im already stop using this cc a few month ago.. but im still think the payment that i pay every month doesnt reduce the outstanding balance ma... so i think maybe there are other solution out there how to keep paying the monthly payment with little interest... my total outstanding balance is right now is rm8k... |
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Jun 11 2009, 02:05 PM
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#5
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Junior Member
108 posts Joined: Nov 2007
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[quote=Reventon,Jun 11 2009, 05:22 AM]
There is no other way to reduce the outstanding except paying and stop using it, as CC product is the most profitable business for bank,because of the interest they charged ! just keep your card in the drawer and keep on paying. Each swipe now cost you interest the next day, so you know what you're going to do now right? Erm for ur knowledge.. im already stop using this cc a few month ago.. but im still think the payment that i pay every month doesnt reduce the outstanding balance ma... so i think maybe there are other solution out there how to keep paying the monthly payment with little interest... my total outstanding balance is right now is rm8k... |
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Jun 11 2009, 02:17 PM
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#6
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Junior Member
108 posts Joined: Nov 2007
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thanks for ur suggestion... erm anybody know which cc/bank have the lowest interest rate for BT??bcos i dont think i can pay more than rm500 for monthly payment...
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