Friday, April 8, 2011

bayo untuk start hutang... dan bayolah untuk langsai hutang...

Credit card di m'sia?

Heaven.

Isi borang dah dapat payung free... payung hujan yea..bukan payung omeh...
masa zaman semua bank offer credit card 3 -4 tahun lepas, selain payung dapat control car free, back pack free.... .. tu baru isi borang je... mamat agen tu paksa-paksa isi borang nak habiskan kuota promotion untuk hari tu.

Di Amerika...... percaya atau tidak abe gapo tak layak untuk apply credit card. Bukan nak berhutang sangat tapi ada kala nak taknak ada kegunaan jugak. Budak2 nak join sparring taekwando class kena beli 3 sparring set dah jejak $480.

Maka inilah masa credit card can come in handy sebab dalam purse kaktek $4.80 je yang ado... dan bila berhutang akan timbul perasaan wajib bayar balik asap sebab takmo bagi depa duit interest.

Kenapa abe gapo tak layak?
Lack of credit score.

Lenders gunakan credit score untuk evaluate potential nak bagi hutang. Be a good payer akan menolong built up credit score yang cantik.

Credit card takde cemana nak jadi good payer? ekkkk.....

Katanya boleh bermula dengan student loan.... tettttt.... dah kertu mai sini bukan nak jadi student!

Boleh juga dengan mengambil promotion telefon 2 years plan bayo 2 tawun le jugak walaupun tak suka takat beli tepon hutang 2 tawon??!!!
Promotion di bengkel keta pokcik Jon offer credit untuk servis, tuko tayar, tuka seat, apa-apa untuk kereta maka pembelian omeh tidak masuk dalam list.... choiiii............

Kata pokcik bengkel...... mesti hutang dan bayo sikit-sikit supaya credit score akan moncol nanti dalam sistem credit bureaus di suatu ketika yang tiada siapa tahu bila...


Walaupun gaji abe gapo masuk citibank, ada transaction bulan-bulan..., tetap kena reject application untuk credit card...

Credit score tarak incik... kata kastemer serbis itew...

Bukan credit card saja, segala macam loan tak layak ambik. Loan keta, loan yg buat mato laki aku putih - loan nak beli moto besau...


TIBA-TIBA!!!!
buatlah kengkonon terkejut sikit ek.... heh...

Bulan lepas Bank of America offer credit card sebab hampir setahun dah abe gapo bukak akaun duit dapo di situ.... credit limit $500.
500 dollar.... bukan 5 rebu... bukan 50 rebu.....
Huh... limit 500 dollar senang2 je kaktek dapat masa keje kilang di kampung bawang menangis dulu.

Bila nak accept card tu kena bayar $99 ke akaun credit card. Bayo jela... ingat $99 tu dok dendiam dalam akaun le kan....

Haaa SALAH!!!...
buat-buatlah terkejut lagi !!...... deh korang nih!

Sampai la kakte godek2 akaun tak jumpa $99 tu.... kaktek saspek tu harga untuk kad plastik tu... non-refundable.
Sama seperti kad Premier One bank... bayar $70 unttuk dapatkan credit limit cuma $300... interest gila kentang punya tinggi.

Kaktek godek2 dalam online, boleh apply untuk increment untuk credit limit Bank of America dengan syarat approval dari bank dan kena bayo certain amount lagi sebagai fee.... choii............... nasib baik lepas gatal2 apply tu hari kena reject..... mau makan tofu je bulan ni.





Oleh sebab kemaruk tak dapat kumpul credit card banyak2, kaktek simpan member card food lion, cvs pharmacy, sams club, staples....

6 comments:

T said...

Kak Tek,
Other ways to build credit score include: bayar phone bill, electric bills, gas bills, and rent on time. Also, credit card yang kak tek ada, guna every month, tapi balance kena less than 50%, I know that's very little, but that helps to boost credit score. After 6 months, try apply again. And you can increase credit limit once a year. Bila your credit rating dah excellent, semua credit card offer akan datang berlumba-lumba. Dengan low APR, also sometimes 0% APR for couple of months to a year, etc.

somuffins said...

AB

2 kali you buat I terkejut taw! You kenal Suzy Ormond tak?

Sebut pasal credit card, I had my 1st one since 1987 masa umur I setahun jagung (maklum skrng baru 25thn kan? Hahaha.. mesti u cemburu kan?)

ahkakbatik said...

T..
bayar bill guna visa debit card di kira dlm credit score tak? bayar apt guna cheque saving account...kira gak ke?.... setahun dah menyewa... memang slow le score tu nak naik yea..
limit kad dah lah ciput... guna 50% jek..huhu... jenuh cek akaun je jadinya.




CS,
kenai bona mokcik suzy tu... dia je tak kenai saya. Kalau saya tanya dia mampuih kena beasah je... sikit-sikit saving 6 bulan wajib.... saper ada saving 6 bulan? beli tofu tiap hari pun takleh saving gaji 6 bulan tawww.....

CS tolong pos tofu kt saya lah ek... sbab saya suka makan tafu sejak akil baligh (maklum sekarang baru suit 16...hek..)

somuffins said...

AB
Mahap.. sejak dua menjak, I dah elejik dgn tofu or tauhu.

T said...

it's the utilities company yang hantar information to the credit scoring agency. so, it doesn't matter how you pay it, so long you pay it. Basically, it will show that you're in good standing kalau bayar on time, and that you're not a risky borrower.

Actually, you can try going to the bank and ask them about credit card offer they have, and what you can do to get higher credit limit. I got my first credit card with my bank. The credit limit was $500, and I only used it for end of the month emergency sebelum duit masuk. But the limit naik to $1000 after 6 months. Though sangat susahla nak naik after that. But that actually helped with building the credit score. After a year using that card, I applied for other credit cards with higher credit limit, but with higher APR too. And I got more and more credit cards during the booms. Then bust happened, macam nak pengsan nak bayar 2k credit card bill. At one time, I had 10 credit cards, now I guna 2-3 credit cards for everyday use & traveling, yang lain are just there for real emergency.

ahkakbatik said...

CS.. tetiba je allergi yea...



T thanks. now I get the picture. Thought they never take into account bills paid via saving acc. Since i just got the first credit card 2 months ago, don't dream of higher limit for the next 4 months.
Sabo.... sabo.... will ask from other bank too.

Really need the credit score untuk vehicle loan and I guess credit card is the fastest way to boost the score.