Motivasi, Pendidikan, Perniagaan, Kewangan Peribadi

APA ITU PENDAHULUAN TUNAI?

Salam pembaca blog pemikir kaya!

Ramai yang tidak menyedari bahawa minda dan pemikiran kita amat mudah dipengaruhi dan dimanipulasikan oleh sesuatu perkataan dan bahasa.

Sebagai contoh, pengeluar kad kredit menggunakan istilah bahasa ‘Cash Advance’ atau Pendahuluan Tunai untuk ‘Credit Advance’ atau Pendahuluan Kredit.

Jadi apabila kita mendengar dan memahami ‘Cash Advance’ atau Pendahuluan Tunai, minda kita tidak menafsirkannya sebagai sesuatu yang perlu dibayar semula atau pun pinjaman yang perlu dibayar balik.

Ini berbeza dengan istilah ‘Credit Advance’ atau Pendahuluan Kredit yang secara tidak langsung membuatkan kita berfikir dua kali untuk menggunakan kemudahan ini.

Ini kerana kita semua sedia maklum, apabila ada ‘kredit’ sudah tentu ada bayaran tambahan atau faedah yang perlu dijelaskan bersama.

Tahukah anda? bahawa setiap pengeluaran Pendahuluan Tunai yang dibuat melalui Kad Kredit anda ianya akan dikenakan caj sekitar 5% dari jumlah yang didahulukan. Tertakluk pada jumlah minimum.

Ini bermakna jika seseorang itu mengeluarkan RM1,000 menggunakan kad kreditnya di mesin ATM maka beliau dikenakan caj pendahuluan sebanyak RM50!

Jadi sebaik sahaja RM1,000.00 diterima di tangan anda, maka jumlah yang perlu anda bayar kini menjadi RM1,050 hanya dalam beberapa saat tranksaksi dilakukan, kini anda perlu bayar tambahan RM50!

Bukankah ianya suatu harga yang MAHAL?

Jadi kepada anda yang memilki kad kredit, pesan saya janganlah sekali-kali menyalahgunakan pendahuluan tunai yang diberikan kerana ia sebenarnya adalah Pendahuluan Kredit yang ditukar istilahnya untuk memanipulasikan minda dan emosi pengguna.

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