Nuffnang

Friday, June 10, 2011

which credit card you are using???

ok, mood today nk citer about perbelanjaan berhemah.
yer la, lately segala benda naik rega. gula la, letrik la, & latest Astro pulak. dengar kata petrol pun x lama lg nk naik. isk...isk
ehhhhh mengada tau derang ni, korang ingat gaji aku naik tiap2 bulan ke??

ok, ok back to cerita aku. since now we tend to spend more, so if u can save in certain2 benda, better take the opportunity and grab it.

in my case. i am a loyal ambank cc holder since 2002. yup, dapat je 2nd gaji, terus pi ambank nk apply cc. uihhhh.... kecik2 dh belajar berhutang ok!! tapi it's ok tu zaman2 jahiliah aku & baru celik mata pegang duit sendiri. now dh insaf. (sangatttttt)

dulu ambank cc ala2 mcm x famous. org lg byk guna citibank, cimb, maybank, etc.

ramai tanya aku, apsal aku x guna cc lain? why setia dgn ambank yg just bg aku max credit RM8000 je tu? if bank lain senang2 min derang will offer rm10,000 credit limit.
jawapan aku senang je

1) aku nk buat sumbat apa credit limit byk2??? ko ingat ko spend tu ko x yah bayar balik?? dia kasi FOC je?
2) x yah byr annual fee
3) ambank paling dekat dgn umah aku (dulu). so time dulu, mana tau byr bill online ni. kena pi byr kat mesin dia. so sgt le senang.
AND....last but not least, yg paling best
4) better offer/promo

ok, let me share some of the promo yg aku sgt suka. actually it started early last yr rsnya.

Buy 1 free 1 movie ticket @ cineleisure. dh nama kaki wayang kannnnn... yg paling aku suka. pi la hari apa pun, time bila pun, u r entitle for this.


lastest promo. start june 11 - march 12. 20% cashback for purchase petrol, groceries, shopping kat tempat yg distated kat atas tu. the tricky part is ONLY during weekend. eh x kisah le kan, sah2 le kami shopping groceries time weekend pun. if you tgk balik, 20% is a bit byk gak le, i mean if sebulan minyak kereta is rm400. so i can get back rm80 kan?
 i know some of u out there langsung x de cc dgn alasan, x suka idup berhutang. well, aku x suruh/cakap berhutang pun. i mean, if u spend rm100 using cc today. so bila bill dia sampai, bayar le semua. yg berhutang tu if bayar skit2.
got what i mean?
& lg satu, cc ni good for emergency. sekali masuk spital, kena bill ribu2. x kan le nak pi ATM keluarkan duit bagai. x ke dh membahayakan diri nk pegang cash byk2 pulak. oh lupa, now dh ada debit card kan? tapi semua tempat accept ke? x sure la pulak kan?

for me, apa2 pun terpulang pada diri sendiri. if u can control yourself, ko ada le 10 cc pun. x de effect pun.
as for me, i'm controlling myself jgn overspend if i can't afford.


have a nice weekend ladies,
Hirdajane

7 comments:

onniesham said...

wahhh citer psl cc. aku pon ada mcm2 citer psl cc ni. xpe la tu sumer kita dah share kan..hehehe..

eh tp menarik sngguh offer/ promo ambank tu. leh dpt cashback 20% tu. mmg brbaloi.. tp tu la ..now dah kena GST tu rm50...x koser mak nk apply cc byk2 ko. mmbazir je byr gst tu

♥♥♥ سواي @ ماما ايمان شاهيراه ♥♥♥ said...

mcm2 peel org ni... aku setuju bab guna cc utk kecemasan... terutama tang msk spetal...

re : en abu ckp dia beli hbag hook kt kedai2 sebelah mustafa centre @ jln little india... mmg murah hbag hook dia jual...hehe gilerkan x sampai rm25 dpt 3 ketui....

Mimi said...

best gak kalo ada cc Ambank kan...byk dianyer kelebihan..

betul tu hang..kalo ada cc, at least bole guna utk buat online purchase...tp kena hati2 la kan..berbelanja mengikut kemampuan...
If possible, pakai je, terus bayar semua..kalo rasa xleh bayar, toksah pakai...senang ceta..
cc ni menjerat ooo...ramai je malaysian yg bangkrap sbb cc kann...

ZanaNordin said...

aku tak pakai CC...so, tak leh nak ckp bebanyak ler....
teringin gark nak paaki...tp hubby aku tak benarkan ler...buat masa sekarang....nanti nak kena brainwash sikit lagi kot....baru dia bagi..

tp betul gark
cc nie guna time2 kecemasan amat ler praktikal...
cuma kadang2 tu takut sendiri lupa diri...pucuk pangkal hati ye tak...

Aleyn said...

Nice info...tapi sekarang dah tak guna pun..dok bayar hutang jer...dah kosong balik baru guna...insyaAllah

-SharleenZawawi- said...

aku ada satu jer cc eon bank.. lama dah guna sejak mula keje dulu.. sama la gatal apply sbb xde yearly fee.. kredit limit 3k je pun saja tak bagi dia naikkan walaupun dah bleh dpt 10k. mmg guna time terdesak je.. takde la guna utk sopink... mmg betul kene pandai2 manage ngan cc ni.. ish gerun tgk kalo org banjer ribu2 pastu pakai cc.. takpelah dia mampu kot... kalo aku takde cash sila dok diam2 yer.. heheee..

wanie said...

wanie pun guna cc ambank...dari start keje dulu sampai sekarang..