以信用卡借钱（2） - Credit Card Easy Cash or cash on call

以信用卡借钱的另一家银行的例子；

Easy Cash Sail through unexpected financial crises with RHB Easy Cash

Overview

When life takes an unexpected turn, some extra cash in hand helps you sail through the storm with ease. With RHB EasyCash, you can now withdraw up to 50% of your available credit limit （可借贷出信用卡剩余的50%的限额，也就是说RM10，000的卡没有被用过，可以借出RM5，000）at a lower interest rate and enjoy a comfortable repayment period of up to three years. Not only is it hassle-free, it is light on your wallet, too.

So, get your RHB Credit Card now and apply for RHB EasyCash today!

• Comfortable repayment period of up to 3 years
• Low interest rate from 0.66% p.m.
• Withdraw up to 50% of your available credit card limit
• Easy application and 24 hours approval*
• No Processing Fee
• Minimum Easy Cash application amount is RM1,000

Easy Cash Amount (RM)	Plan	Repayment Period	Flat Interest Rate per Month	Monthly Repayment*
RM1,000	1	12 months	0.667%	RM90.00
RM1,000	2	24 months	0.833%	RM50.00
RM1,000	3	36 months	1.000%	RM37.77

简单算法，看似低利息的0.667% 其实是每月利息。

借RM1000， 分12月摊还，每月要给RM90

RM90 * 12 = RM 1080

RM 80 / RM 1000 = 8%

8%/12 = 0.667%

不能忽视的重要条件；

Upon application of the RHB EasyCash, Cardmembers are deemed to be responsible in servicing the monthly installment amount. The monthly installment amount is posted into the Cardmember’s credit card account to be accumulated to the total outstanding balance and subject to the minimum repayment amount of 5% of the total outstanding balance. If cardmembers choose to repay the minimum amount of 5% or part of the total outstanding balance, the remaining balance is chargeable at 1.5% p.m. on daily rest.

意思代表； 每个月账单该还的数额虽然为RM90， 不过信用卡持有依然可以如同使用时用卡一样，选择还RM90的5%， 而剩下的95%则会每月被charges 1.5%的信用利息。。。

资料来自 RHB EASY CASH TERM AND CONDITION

忠告；

如果你真的面对经济问题，想要借一笔钱来解决问题，向银行做借贷的选择会比找啊隆安全，而且不用面对啊隆更离谱的高息的借贷配套。

而且，向银行借贷起码有黑字白纸写明做保障，就除非是借贷者没有花时间去阅读和了解。

记得，千万不要借贷就为了结婚典礼或是庆祝母亲生日。歪歪不觉得会有哪个母亲高兴自己的孩子向银行借钱来为自己庆祝生日。


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