2013/02/06

0% balance transfer -卡奴自救法

0% BALANCE TRANSFER                 

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

Hurry, for limited time only! Transfer your balances from your other bank credit cards to your RHB Credit Card and enjoy 0% interest for 6 months.
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

dot_org01.gif  No processing fee.
dot_org01.gif  Flexible plans to suit your needs.
dot_org01.gif  Long repayment period.
dot_org01.gif  Consolidate your other credit card accounts into ONE statement.
dot_org01.gif  Payment convenience via www.mybsn.com.my or through any BSN branch or
    BSN ATMs / CDMs nationwide.

WHO CAN APPLY?

dot_org01.gif  Existing and new Principal CardMembers of BSN Credit Cards.
dot_org01.gif  Supplementary CardMember can also apply subject to prior consent from
    Principal CardMember.

 min transfer RM3000 - 6 months - 0%

 ------------------------------------------------------------------------

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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