当你刷卡刷到没有本事还清银行信用卡帐单，所欠的余额会被银行征收一年13.5%-18%的利息。
以18%，欠额RM20，000计算；
(18/12)x 20,000 = RM300
一个月的利息就是RM300。
而RM20，000的5% min payment -最低限额为RM1000。
如果你在due date前，连RM1000也没有本事还给银行，就会中late charges－ 就会中1% 或最少RM5或最高*RM100的迟还罚款- late charges.
*歪歪参考几家本地银行的网站资料，发现一些银行的最高Late charges RM50，所以请向自家信用卡银行查询正确的数目。
利息，罚款连同欠额，再滚利息，是非常恐怖，随时会把你压扁扁。
为了让利息停止继续滚动，就要靠0% Balance Transfer来打救。
也就是当你欠老虎银行-Maybank的信用卡债务，就去Rhb申请zero balance transfer， 把老虎银行所欠的钱，转移到RHB zero balance transfer 配套，先让利息停止止血。
通常银行推出的zero balance transfer还钱期限都很短，大都只有6个月是免息，然后第七个月开始又要中一年18%的利息。
所以，你可以限制自己在未来6个月的花费，只留基本开销的钱做花费，尽快在6个月内，还清帐单。
不然，就要在6个月的期限前，再向另加银行申请做zero balance transfer的配套。
因为申请都要时间才能知道批不批准的，所以提早做准备。
记得，当你申请了另一家银行的 0% balance transfer，都会获得银行给的信用卡。
想要自救，就不要边还债，边刷卡。
以下是几家银行的0% balance transfer配套
Rhb Smart Move - 0% interest rate for 6 months
Overview
General Terms
- This Promotion valid from 1 January till 31 March 2013.
- Minimum transfer is RM3,000 and total maximum transfer is up to 80% of available credit limit.
- Applicable to all existing and new RHB Credit Cardmembers..
BSN balance transfer programme
Transfer your outstanding balances from other credit cards to your BSN Credit Card and enjoy 0% interest up to 12 months. The more you transfer the more you SAVE!
promotion is valid from 15 January till 30 April 2013.
FEATURES & BENEFITS
No processing fee. Flexible plans to suit your needs. Long repayment period. Consolidate your other credit card accounts into ONE statement. Payment convenience via www.mybsn.com.my or through any BSN branch or BSN ATMs / CDMs nationwide.
WHO CAN APPLY?
Existing and new Principal CardMembers of BSN Credit Cards. Supplementary CardMember can also apply subject to prior consent from Principal CardMember.
min transfer RM3000 - 6 months - 0%
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Maybank 0% balance transfer - 12months - balance transfer fixed installment plan
0% - 12months - balance transfer fixed installment plan
以上各银行的0% balance transfer资料都是从该银行网站看到的，至于资料是否最新update， 就要直接拔电话到该银行客户服务热线询问。
希望这些资料能够帮到卡奴。
其实，最能帮到卡奴的，还是靠自制能力，千万不要边还钱，边继续刷卡。
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