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~