Yuki 说~~

☜♥☞ 26/8/2010 近这几个月来工作都很疲惫,身子体质变弱了,害得我常抱病上班。




☜♥☞ 之前手提电脑被偷了,里头的照片全没了,还好LX-3里还有一些相片还没删除。。。。看来应该会有一阵子不会上blog写文章了。。。

Yuki 2009-2010 年新动向~~~

☜♥☞ 完成: 16/6 - 19/6 澳门香港四天三夜游

☜♥☞ 完成: 9/8 - 11/8 Langkawi三天两夜游

☜♥☞ 完成: 5/9 (星期六) Broga Hill 茅草山一日游

☜♥☞ 完成: 913 V-snaP人像摄影交流会

☜♥☞ 完成:23/12-26/12 Going to Singapore loh~! Christmas Time (*U*)//

☜♥☞ 完成:22/3/2010-27/3/2010 玩转Bali岛

☜♥☞ 计划中: 6/12/2010-13/12/2010 台湾悠游行

Thursday, July 3, 2008

信用卡=高利贷???

As mentioned by Bank Negara Malaysia in their press statement dated 27 June 2007, the tracking of repayment behaviour is based on a 12 months repayment cycle, with effect from July 2007 statement onwards. To continue enjoying the lower finance charge, prompt repayment must be made on a monthly basis from the 13th month onwards. Should there be any delayed repayment of 1 to 2 months thereafter, finance charge at 17% per annum will be levied. For any delayed repayment of more than 3 months, the normal finance charge of 18% per annum will apply. Should the credit cardholder wish to enjoy the lower interest rate once again, prompt repayment of the minimum repayment sum must be made for another 12 consecutive months from the last delayed repayment.

If the Cardholder pays to the Bank less than the Current Balance by the Due Date a finance charge at the following appropriate rate: -

(a) 1.25% per month (effective rate of 15% per annum)
- for Cardholders who promptly settle their Minimum Payment Due for 12 months within the last 12 consecutive months; or
(b) 1.42% per month (effective rate of 17% per annum)
- for Cardholders who promptly settle their Minimum Payment Due for 10 months or more within the last 12 consecutive months; or
(c) 1.5% per month (effective rate of 18% per annum)
- for Cardholders who do not fall into any of the above categories;

calculated on a daily rest basis ("the Finance Charge"), will be applied to the outstanding balance of Card Transactions that is unpaid after the Due Date immediately following the Statement Date in which the Card Transactions are posted to the Card Account, calculated from the Due Date until any repayments are credited to the Card Account and thereafter on the reduced balance.


Furthermore, a Cardholder who maintains an outstanding balance of Card Transactions in his/her Card Account(s), as per the Cardholder’s previous month’s Card Statement, will not enjoy the benefit of the Interest Free Period for Card Transactions performed in the current month.

Illustration
Cardholder A has an outstanding balance of RM1,500.00 at the end of February 2007 and only repaid a sum of RM500.00. Cardholder A’s March 2007 Card Statement reflects the balance of RM1,000.00 rolled over from February 2007. Any Card Transaction performed by Cardholder A in the month for March 2007 will not enjoy the benefit of the Interest Free Period.


看了这篇讯息,我才发现原来银行跟高利贷真的没两样。
只不过一边是挂牌上市公司,一边是地下黑市公司。
以免大家看到一头雾水,
我就以我的understanding大概跟大家解释一下。
以上第一个例子(Illustration)说明,余帐是RM1000。
如果你的月结还有余帐, 你就无法享有20天免利息的期限。
以前大家总认为拿到月结单后,还有20天免利息慢慢偿还卡债。
现在?如果今天刷了RM100, 利息是在你的交易posted之后立即生效计算,而不是在你收到月结单后的20天后才开始计算。
最重要的是,利息是以天计(dailyrest basis)。
所以RM1100 x 利息(%) = RM X
第二天,就算你没刷卡,
你的利息= (RM1100+X) x 利息(%) = RMY
以此类推。。。。懂了吗?
以前如果你常听到大耳窿的高利贷是“利叠利”,
我很遗憾的要告诉你,我国银行业开始效法了。
这个是算法是我的朋友跟信用卡中心确认过后告诉我的,
如果有任何不对的地方,
请分享。

朋友们,现在就少刷你的卡吧!
可以的话,你现在可以把它拿出来剪成一半,
我相信大家会为你鼓掌~

16 comments:

Akira 思胜 said...

沙发!!! 哈哈, 好舒服呢... 嘻嘻...

是啊, 我没用信用卡的, 可是我知道这卡会害人不浅咯... 嘻嘻...

Credit Card=Loan Shark!!!

GeOk kEE好きな♡ うち said...

那恭喜你咯!
那我这个卡奴还真可怜,
现在我很想想尽办法清完卡债,
然后拍拍屁股走人。

bearlim said...

哈哈~的确。
银行是光明正大挂牌的高利贷!:P
信用卡本来就是在花未来的钱。所以除了飞机票之外,我都不用信用卡。

jiani said...

糟~我剛刷了 =__="

Vincent Cho said...

其实我也不鼓励常常用,不想成为卡奴咯…

迷迭香 said...

我每个月都清的...
因为有时侯没带那么多现金啊 :P

SockPeng said...

一直以来,我都不赞成拿太多信用卡,只要一张防身就好了。信用卡真的是名正言顺的大耳窿, 只是很多人不了解而已

EmiLio said...

那我得赶快告诉老爸了,以后我往返的机票都得靠他的信用卡咧!

这样的银行,实在奸的可以!

GeOk kEE好きな♡ うち said...

bearlim:
真的咯!未来的钱还真不好花。

Jiani:
刷了也没办法。。。

Vincent Cho:
哈哈~现在开始我们应该学习做个精明信用卡使用者。

迷迭香:
那很好啊!只要你每个月都清的话,它的利息会比较少。但是别忘了哦!利息是在你的交易被处理而进入你的纪录后就开始计算,除非你当天刷,当天清。

SockPeng:
我也赞成,信用卡只要一张拿来防身就好了。

GeOk kEE好きな♡ うち said...

Emilio:
没办法,银行的主要收入来源是来自利息。

阿Don said...

现在的我,什么都是cash^^

BeverLy's Secret said...

hehe~~ I used credit card a lot but seldom use "future $$"... US is a card friendly country, I use my card to pay everything, even just a 25 cents stuff :)

Fishyho said...

我爸爸已经是卡奴了,每个月利息都已经很逼人...

能少用就少用吧... >.<

稀客 said...

那你就不要乱买东西刷卡咯。

JeromeFo 令狐冲 said...

Lolx...My dad always tell me that CreditCard is " Legal Loan Shark " =) Becareful when you using it orrh.

said...

不用credit card嘛用debit card咯…

刷卡20天後開始計算,
如没收到帳單/遲收到
不是白白花錢…
唔…