tag:blogger.com,1999:blog-35336850.post5902552985407320261..comments2024-02-27T09:56:12.091+08:00Comments on KLSE TALK - 歪歪理财记事本: Public Bank Balance Transferyyhttp://www.blogger.com/profile/06875759893779851289noreply@blogger.comBlogger6125tag:blogger.com,1999:blog-35336850.post-4763076881291681012010-11-11T11:01:06.982+08:002010-11-11T11:01:06.982+08:00很多用credit card按现金出来的卡主,好像很有钱似的,可以一拿到卡后,把信用卡当ATM提款卡...很多用credit card按现金出来的卡主,好像很有钱似的,可以一拿到卡后,把信用卡当ATM提款卡,一天分几次,按出一百,五十来花。<br /><br />cash advance fees是每按一次就charges一次的。yyhttps://www.blogger.com/profile/06875759893779851289noreply@blogger.comtag:blogger.com,1999:blog-35336850.post-40230502150370574382010-11-11T10:57:21.443+08:002010-11-11T10:57:21.443+08:00我的数学不好,还没有厉害到懂得用银行贷款来为自己赚钱。
只能提供你一些资料参考;
http://...我的数学不好,还没有厉害到懂得用银行贷款来为自己赚钱。<br /><br />只能提供你一些资料参考;<br /><br />http://yy-mylifediary.blogspot.com/2009/01/credit-card-interest.html<br /><br />cash advance fees, 也就是每次最少RM15或0.5% *你所按的钱.<br /><br />除了这cash advance fees 外,当你一按钱,银行开始就charges cash interest 1.5% monthly。<br /><br />而当你申请被家银行的BT0%时,从申请开始等批准,幸运的话,两个星期就有钱进入你做CASH ADVANCE的银行户口。 <br /><br />而不幸运的话,遇到一些文件上的问题,还是一些预料不到的问题,如支票名字出错,进不到钱。<br /><br />而你所做CASH ADVANCE的户口的利息还是一直开始在跑。<br /><br />你说,博得过吗?yyhttps://www.blogger.com/profile/06875759893779851289noreply@blogger.comtag:blogger.com,1999:blog-35336850.post-56997381092417911112010-11-10T10:43:16.729+08:002010-11-10T10:43:16.729+08:00hi yy
你之前是在bank industry做工的是吗??我想问一下..如果现在酱多bank都o...hi yy<br />你之前是在bank industry做工的是吗??我想问一下..如果现在酱多bank都offer 0%的BT..那如果说我是100%有能力还的..可是我利用BT的0%便利拿银行的钱来转...请问是可行的吗??我的意思是说我刷cash advance然后在把这笔数目BT去pbb那我不是可以拥有6个月的0%cash advance便利吗??请问是这样的吗??希望你能回复.edge2002https://www.blogger.com/profile/11120903781943993979noreply@blogger.comtag:blogger.com,1999:blog-35336850.post-28930841621774125652010-11-08T21:12:17.633+08:002010-11-08T21:12:17.633+08:00关于该balance transfer 的early settlement;
15. Early ...关于该balance transfer 的early settlement;<br /><br />15. Early Settlement Fee of RM100 will be charged if Cardmember terminate or discontinue the programme by making full payment for the Approved<br />Balance or such outstanding thereof prior to the expiry date of the credit scheme duration.yyhttps://www.blogger.com/profile/06875759893779851289noreply@blogger.comtag:blogger.com,1999:blog-35336850.post-67622243148122766702010-11-08T21:09:15.962+08:002010-11-08T21:09:15.962+08:00如果准时还,而且是拿6个月0%的配套,当然就是银行提供了真正免费的服务。
问题是真正能做到有纪律还...如果准时还,而且是拿6个月0%的配套,当然就是银行提供了真正免费的服务。<br /><br />问题是真正能做到有纪律还钱的人实在太少,太少了。<br /><br />而当中也不排除真的有顾客不会看那minimun payment,而把minimum payment 当installment payment还,而中利息,之后会看账单的就会找银行询问了解,不会看账单的就继续成为银行的米饭班主。<br /><br />山芭佬是以 balance transfer准时还清信用卡债务,而且还学聪明,懂得以信用卡的来赚钱。<br /><br />现在不是有信用卡是有不错的cash rebate,只要用一张卡付款,自然就能在一年内累计很多cash rebate.<br /><br />像山芭佬有纪律的人实在太少了,银行那怕会没有生意赚呢?<br /><br />就算有纪律用卡的人多了,银行还是有钱赚。<br /><br />那部刷卡机,商家是需要付银行钱的。<br /><br />这也就是为什么我们去low yat刷卡买电脑,会被要求自己给3%费用。<br /><br />因为电脑Margin太低,如果商家要背负那3%费用,基本是做着亏本生意。yyhttps://www.blogger.com/profile/06875759893779851289noreply@blogger.comtag:blogger.com,1999:blog-35336850.post-40851100124852572422010-11-08T18:32:16.350+08:002010-11-08T18:32:16.350+08:00Hi YY,
I never have outstanding credit card bill....Hi YY,<br /><br />I never have outstanding credit card bill.<br /><br />As you showed, if I take RM800 loan, and pay promptly (must I pay on that day, or can I pay a few weeks or days earlier to avoid if I forget about payment), then the bank would not earn anything from me?<br /><br />I thought the bank would have some penalty for early settlement (not sure if there is penalty for early payment).<br /><br />Just wonder how can bank earn money. May be Stenny can give us some idea also. He is quite good is squeezing the credit card to save money:-)<br /><br />Giap SengAnonymousnoreply@blogger.com