Cara-cara settlekan hutang kad kredit (menggunakan fasiliti Balance Transfer)

Kadang-kadang masa baru dapat kad kredit tu kita super excited semua kita swipe seolah-olah kita ada “unlimited” cash - dunia memang kita punyalah sampai shopping pun tak ingat dunia.

Kadang-kadang tu buta hati terus bila dengar ayat-ayat promosi cam “no late payment charges”, “no interest” dan sebagainya. Tahu-tahu bertimbun hutang kad kredit nak kena settlekan, ha memang salah kad kredit la kan? Lintah darat betul! Padahal sendiri takpandai pakai.

Tak judge sesiapaaaa. Jangan marah na..kat atas ni penah jadi kat aisyah dulu. Real story from my past mistakes! Masa tu hutang tertunggak sampai RM16,500. And on monthly basis I need to pay RM700-800 minimum payment. 

Here are some common misconceptions on Credit Cards terms:

1. No interest charges on late payment - well, yeah true no interest. But if you view your monthly statement you’ll see other terms used like “finance charges” or “management fee”.

2. Minimum payment - although you paid the suggested minimum payment, interest charges will be made on the outstanding balance. Contoh, you pakai kad kredit tu RM10k..lepastu you commit bayar minimum payment of, say, RM100. Interest still dikenakan kat baki tertunggak tu ya (10k - 100 x interest%)

So by knowing all these facts adakah bermaksud Aisyah kecewa gila sampai patahkan kad? Nope. There’s a way to settle this problem and in fact I still use my credit card. Bezanya sekarang is I am now wiser (ecewah). So kat bawah ni some suggestions untuk yang tengah celaru macam mana nak settlekan hutang kad kredit :

Balance transfer:

This is a really great facility in credit card and many banks use this method to attract new users to switch brand. Depends kat policy Balance Transfer Card credit sebab lain bank lain policy la kan. But to minimise cost, penting kita cari bank yang offer balance transfer 0% interest.

Maksudnya kat sini, let’s say you berhutang card credit dengan Bank A sebanyak RM10k..then you cari bank lain yang offer Balance Transfer ni..dia bagi bayar 10k tu ansur-ansur ikutla…12months, 18 months, and some even up to 48 months (4 years) without interest charges! Tapi dengan syarat kena pakai kad kredit dia la macamtu…..

So bawah ni Aisyah listkan kad kredit yang offer 0% interest Balance Transfer and BONUS bila sign-up siap dapat hadiah pulak tu ya.

1. Public Bank

Installments for the amount transference can be made up to 48 months (4 years) at 0% interest charge installments. Cumanya ada up front payment sikit la.

And bonus buat yang daftar mana-mana kad kredit Public Bank, they offer Smartwatch Redmi for free if you sign-up here: Public Bank Credit Card Redmi

Here are some Public Banks Credit Card for income range RM2000 - 3333. You can check other eligibility info here too:

a. Public Islamic Bank Visa Platinum Credit Card-i (https://invol.co/cllwjy3)

b. Public Bank Quantum Visa (https://invol.co/cllwjz3)

c. Public Bank Petron Visa Gold (https://invol.co/cllwjzh)

d. Public Bank Quantum MasterCard (https://invol.co/cllwk0e)

e. Public Islamic Bank Gold MasterCard Credit Card-i (https://invol.co/cllwk17)

2. UOB Credit card

0% interest balance transfer for up to 18 months. Special kalau sign-up sini dapat:

i. Free Annual fee (waived 3 tahun)

ii. Dapat Cashback RM400

Bonus ni dapat if you sign-up using my link : Sign-up UOB Credit card

Kalau gaji range dalan RM2000-3000 boleh apply dari list bawah ni. Boleh check link untuk info kelayakan permohonan ya:

 a. UOB Simple (https://invol.co/cllwk3q)

b. UOB Preferred card (https://invol.co/cllwk4b)

c. UOB EVOL Card (https://invol.co/cllwk51)

3. HSBC Credit Card

0% balance transfer for 12 months with 3.88% upfront handling fee (one-off). List HSBC credit card dibawah ni untuk income level around RM3000. Boleh check and compare eligibility and card features di link for your reference ya:

a. HSBC Platinum Credit Card (https://invol.co/cllwl22)

b. HSBC Amanah MPower Platinum Credit Card-i (https://invol.co/cllwl1g)

Anyway, card credit memang sangat membantu bila pandaj pakai. Despite my past mistake dek kerana tak celik kewangan, I still have my favourite go-to card credit. Kalau ada hasrat nak beli / langgan barang atau service mahal macam slimming program ke, beli Iphone ke, cari premis yang terima kad kredit awak tu yang offer 0% interest installment.

Yang penting berbelanjalah ikut kemampuan. Kad kredit ni satu ‘tool’ memudahkan urusan jual beli dan buat cashflow kita cantik. 

Hope this helps ❤️

Peluang Kerja Dari Rumah (WFH) Tahun 2025 / Work from home Fulltime in 2025

Okay. There's that classic "running your dream business at home" but really we are not talking about that in this post. I mean, come on. If we can earn right at home without any costs, so why not??

Earn income from home and see them grow. What a goal 🥰

In this post I am going to share my opinion on the best platforms you can use to kickstart your earnings fulltime from home and say bye-bye to your 8am - 5pm jobs (atau yang nak cari side income masyuk pun boleh).

1. Involve Asia (IA)

This website is very useful and helpful to help you earn income. I have a fair share of both pros and cons about using IA.

PROS:

• High and variety commissions offered by a wide range of brands both locally and internationally. Can you imagine? You can still earn money even if you are, well, everywhere!
• Very user friendly especially to those who just starting to learn affiliate marketing. It has neat interface, and will update you on the potential commissions you'll get from promoting the brand and also includes information that maybe useful for you to promote the brands (example: current ongoing campaigns etc).
• In this platform, you will also be informed on how will you get paid. For example, in Affiliate marketing there are some annoying jargons that we need to be familiar with (CPL - click to lead, CPS, CPSe, Clickouts..etc). Such infos are very useful to plan your work. You'll be informed too on whether conversions that you gained from your traffic (who clicked on the links you shared) is acceptable from 4 types of devices: ios, android, web desktop, web mobile - let's say the ads does not track conversions made on mobile apps on ios, so whoever visits your affiliate links through Instagram App kat your Android mobile - NOT COUNTED hence no payment will be made. So plan well on utilizing which platform is key.
• Helpful guidelines given - you can always access its tutorial guides in the website (which is very easy to find) in case you're new or simply need a refresher. Help is always a reach away.

CONS:

• There is a minimum withdrawal amount of RM80. Meaning, you need to pool in at least RM80 of commissions only then you can cashout.
• Some brands that you applied for will require reviewing process before approving your application - because they need to see your prior work first.

So if you want to start earning everywhere at zero-cost you can give Involve Asia a try. Afterall it's free to register and you can check this out here: https://invol.co/cllv67h

2. Shopee Affiliate

Ahh. I mean who doesn't know Shopee? The only site that makes that monthly guilt-trip purchase at least once. But that's good news right? You'll have that high traffic that might potentially be checking on your promoted links. Kalau dulu-dulu nak daftar Shopee Affiliates kena lalu proses yang quite panjang sebab Shopee akan review your social media accounts sebelum approval. Sekarang boleh je daftar kat sini: https://s.shopee.com.my/g8Wb0o20l?share_channel_code=1

So Shopee Affiliates ni best sebab dari segi brand dan produk variety tu sangatt banyak! Nak share content untuk dapatkan komisyen pun best lah jadinya. Alang-alang nak tamat tahun 2024 ni confirm banyak orang serbu Shopee, yela year-end sale kan. So more opportunities to get commissions wei!

Yang bagi Aisyah kurang pasal Shopee Affiliates ni is the system can be quite complicated. Not quite user-friendly in my opinion BUT no worries, Shopee banyak provide trainings FREE untuk affiliates belajar. So nak berjaya jangan malas belajar! :)

3. Partipost

Ok Partipost ni platform untuk awak awak yang nak jadi influencers. There are different levels of influencers which are classified based on your number of followers in your social media. Contoh: 1000 followers = Nano influencers, 5000 - 10,000 = Micro influencers dan sebagainya. Komisyen yang uolls dapat memang beza ikut levels tu tau.

So kalau takda ramai followers tak boleh join ke Partipost? Eh boleh je. Sebab ada je 'task' yang tak specified number of followers. Yang best pasal Partipost ni kan, the commissions are hefty! Banyak dia bayar bila kita complete tasks according to their specific guidelines. Ratus-ratus dia bayar eh tak tipu. Nanti download App Partipost dan daftar kat sini: https://www.partipost.com/partiposter

So selamat mencuba ya semuaa. I'll update the list when I have more options.

Byee!