Settlekan hutang kad kredit dan dapat Reward (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 ❤️