Motivasi, Pendidikan, Perniagaan, Kewangan Peribadi


Salam pembaca blog pemikirkaya!

Mungkin ramai yang masih tidak tahu bahawa mereka boleh berunding dan berbincang dengan pihak bank bila mana melibatkan urusan penggunaan kad kredit.

Tip pertama ; sekiranya anda menggunakan kad kredit yang dikenakan yuran caj tahunan, cuba berunding dengan pihak bank untuk ‘waive’ caj tersebut…terdapat bank yang membenarkan perkara ini dengan hanya mengisi borang permohonan ringkas dan yuran tahunan anda akan dikecualikan…

Jika sekiranya mereka enggan memberikan kemudahan ini, berhenti menggunakan kemudahan kad kredit daripada mereka dengan menamatkannya serta merta..(Hmm..sudah tentulah anda perlu jelaskan terlebih dahulu kesemua baki tertunggak yang telah anda gunakan sebelum itu),

Dan jika anda masih memerlukan kemudahan kad kredit, cari kad kredit yang tidak mengenakan caj yuran tahunan.

Tip kedua ; Bincang dengan bank atau pengeluar kad kredit untuk ‘waive’ (mengenepikan) sebahagian atau kesemua penalti lewat bayar…mungkin ada di antara anda yang tidak percaya?

Tapi biar saya ceritakan pengalaman teman saya yang baru sahaja berjaya mendapatkan kemudahan ini.

Baru-baru ini seorang teman saya yang menghadapi masalah dengan kewangannya (gara-gara pemakaian kad kredit yang salah) datang bertemu dengan saya dan meminta pandangan dan nasihat untuk menyelesaikan situasi kewangannya yang kurang baik.

Setelah berbincang dan menyemak kedudukan perbelanjaan dan hutang yang ditanggungnya, saya telah menasihatkannya untuk berhenti berbelanja menggunakan kad kredit, kerana saya dapati beliau tak mampu dan tak layak menggunakannya..

Harus diingat mereka yang benar-benar layak untuk menggunakan kad kredit ialah mereka yang mampu membayar balik tepat pada masanya setiap caj perbelanjaan kad kredit yang telah mereka belanjakan terdahulu..jika anda mendapati anda hanya mampu bayar 5% daripada baki tertunggak setiap kali bil sampai ke tangan anda, maknanya anda tidak layak sama sekali!

Berbalik pada cerita teman saya tadi, apabila melihatkan jumlah hutang dan faedah tertunggak kad kreditnya berkembang biak dari bulan ke bulan (faedah 1.5% sebulan dengan kadar harian, dan 18% setahun), saya menyarankannya untuk membuat bayaran ‘full settelement’ menggunakan simpanan beliau yang hanya memberikan  faedah kurang 2% setahun…ianya adalah lebih baik.

Setelah selesai buat bayaran, dan pada masa yang sama tidak lagi menggunakan kad kredit pada bulan berikutnya, beliau dapati pihak bank masih menggenakan caj penalti lewat bayar dan juga faedah tertunggak ke atas penggunaan terdahulu. Beliau sekali lagi menemui saya dan selepas itu saya menasihatinya untuk bertemu dengan pihak bank dan mohon untuk ‘waive’ caj tersebut dan berita baiknya, pihak bank bersetuju!

Lihat, jika kita berusaha dan berunding dengan baik, ada kemungkinan pihak bank boleh bantu kita. Jika ada masalah dalam urusniaga dengan pihak bank, berbincanglah!

Jika bank tidak mahu bertolak ansur, gunakan kuasa anda untuk tidak berurusan lagi dengan bank tersebut dan dapatkan bank yang boleh bertolak ansur (biasanya bank oversea/antarabangsa lebih fleksibel dalam hal sebegini) kerana mereka tahu pelanggan adalah ASET mereka!

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  1. ZulBM says:

    Lebih baik kawan tu mohon pada bank surat release letter supaya perkara yg sama tidak berulang lagi memandangkan beliau tdk mahu menggunakan kad kredit tsb.

  2. Thinkerich says:


    Hmm..terima kasih! Satu saranan yang baik :)

  3. Mohd Kamal says:

    Dulu pun pernah gak bincang ngan bank untuk convert outstanding balance ke term loan. Banyak gak bank yang support ni. Tp ada dua card issuer yang taknak support, sampai siap sound lagi “kalau tak mampu bayar kad kredit, jgn la mohon”, kata akak customer service tu. yang lemau tu Aeon Credit Service ngan EON. Bank lain takde masalah sangat untuk bantu.


  4. Thinkerich says:

    Mohd Kamal,

    Indah sungguh bahasa akak customer service tu…

  5. ZulBM says:

    Biasalah tu bahasa2 gitu…. mencabar kesabaran…

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