Saturday, January 15, 2011

Tips Kewangan: Teknik penjimatan interest kad kredit

5:48 PM No comments

Ini adalah entry mengenai pengurusan kewangan sub topik pejimatan interest dan penyusunan semula hutang kad kredit ke arah kehidupan bebas hutang kad kredit.

Tips ini hanya untuk dipraktikkan oleh pemilik kredit kad:

1.Maybank
2.Public Bank
3.CIMB Bank

Lihat flyers dan info ini dulu:

Maybankard Balance Transfer Programme

Save on charges when you transfer your other credit card balance over

Profit rates:
0.375% - 1%

Processing fee:
FREE (for all approved applications)

Benefits

  • Save more with lower interest rates
  • Flexible: choose from six plans to suit your needs
  • Long repayment period of up to 36 months
  • Extra cash for your other needs
  • Consolidate your other credit card accounts into one statement
  • Convenience of making payments via Maybank2u or through any of our branches nationwide

Who can apply?

  • Principal cardholders of Maybankard credit cards

How to apply

  1. Print out and complete the Maybankard Credit Card Balance Transfer application form (PDF) or Maybank Islamic Ikhwan Card Balance Transfer application form (PDF).
  2. Choose your Maybankard Balance Transfer Plan.
  3. Fill in the amount (outstanding balance) you want to transfer from the other bank's credit card account(s).
  4. Attach the photocopy of your other bank's latest credit card statement you wish to transfer from.
  5. Fax it to 03-7953 8610 (Platinum/Premier) or 03-7953 8640 (General/Gold/Classic) or mail to:
    Maybankard Centre (BT Program)
    7th Floor Menara Maybank
    100 Jalan Tun Perak
    50050 Kuala Lumpur

Illustration

Get a feel of how much you can save from this table.

Other info

  1. Transferable balance is subject to available credit limit and on the bank's credit assessment.
  2. The minimum amount you can transfer under the 6, 9 and 12-month plans is RM1,000; the amount for the 24 and 36-month plans is RM2,000. The maximum amount depends on your available credit limit.
  3. You can transfer balance from up to three other banks at one time.
  4. The cheque payment to the other banks will be effected within 10 business days from the date of approval of your balance transfer.
  5. Maybank will notify you of the status of your application in writing.
  6. The finance charges will be calculated from the date your account is debited for settlement of your credit card account with other issuers.
  7. For 6 and 9 months plans: Upon approval of your Balance Transfer, you will be notified of the new account number where a balance transferred is resided. Payment must be made into the new BT account number allocated to you.
  8. For 12, 24 and 36 months plans: Upon approval of your Balance Transfer, NO new account will be allocated. The balance transferred will be in your existing Visa/MasterCard/American Express account.For 24 and 36 months plans: Upon approval of your Balance Transfer, NO new account will be allocated. The balance transferred will be in your existing Visa/MasterCard/American Express account.
  9. Only open to Maybankard Principal Cardholder and Principal Cardholder of other credit card issuer.
  10. The Balance Transfer promotion for 0 % - 12 months Plan ends 30 April 2011.
View Maybankard Credit Card Balance Transfer terms & conditions
View Maybank Islamic Ikhwan Card Balance Transfer terms & conditions (PDF)


Public Bank


 CIMB

Promotion is valid from 1 July till 31 December 2010.
General Terms:
  • Minimum transfer is RM1,000 per bank.
  • Minimum transfer per application is RM1,000 for 6 months plan and RM2,000 for 12 months plan and total maximum transfer is subject to available credit limit.
  • Applicable to all existing and new CIMB Bank cardmembers except CIMB Islamic Bank cardmembers.
  • No Bonus Points will be awarded for this balance transfer programme.
  • Cardmembers with unfavourable credit card accounts conduct with other financial institution are not entitled for this programme.
  • Amount to be transferred to CIMB Bank must be equivalent or less than the total outstanding amount stated in your credit cards statement(s) from the issuing banks.
  • CIMB Bank reserves the right to approve or reject any application at its absolute discretion.
Option A – 1% interest for 12 months balance transfer
Option B – 0% interest for 6 months balance transfer
For more detail, please visit CIMB website. Make sure to read the T&C.
Current Promotion
Balance Transfer Application Form

Langkah-Langkah:

1. Senaraikan amaun keseluruhan "latest statement balance" kad kredit anda
2. Semak limit kad kredit anda
3. Semak transaksi maksimum yang masih boleh dilakukan dengan kad kredit anda
4. Pilih pelan balance transfer mengikut kemampuan kewangan anda, apa yang penting sekali, interest yang ditawarkan adalah jauh lebih rendah daripada interest asal kad kredit anda (18% p/a)

Untuk pemilik kad yang melebihi satu kad:

1. Jika anda memiliki ketiga-tiga kad (Maybank, Public Bank, dan CIMB), anda boleh memaksimumkan penjimatan interest dan tempoh pembayaran hutang anda.
2.Hutang dari Maybank dipindahkan ke Public Bank atau CIMB atau sebaliknya.
3.Pilih pelan yang paling menjimatkan dan tidak menganggu cashflow anda
4. Jika mampu pilih pelan 0% interest sahaja, tidak kira tempoh pembayaran itu atau pendek atau panjang.

Teknik manipulasi balance transfer:

1. Baca dengan teliti setiap TERM & Condition
2. Buat balance transfer dari akaun kad yang paling banyak amaun ke mana-mana pelan 0%.
3. Untuk kad berikutnya, buat benda yang sama (transfer dengan pelan 0%)
4. Catitkan ke dalam buku cashflow anda setiap transaksi dan catatkan sekali berapa lagi baki yang boleh dibelanjakan dari setiap kad kredit.

Contoh:
Maybank: Limit RM10 000
Public Limit: RM 10 000
CIMB Limit RM 10 000

Hutang Maybank: RM 3000
Hutang Public: RM 2000
Hutang CIMB: RM 2000

Baki yang boleh dibelanjakan:
Maybank: RM 7000
Public: RM 8000
CIMB: RM 8000

Buat balance transfer:
Maybank ke Public - Pelan 0% 6 Bulan RM 3000
Public ke Maybank - Pelan 0% 12 Bulan RM 2000
CIMB ke Maybank - Pelan 0% 12 Bulan RM 2000

Baki terkini yang boleh dibelanjakan:
Maybank: RM 6000
Public: RM 7000
CIMB: RM 10000

Cuba selesaikan bayaran ansuran mengikut pelan tersebut.

Jika tidak MAMPU setelah beberapa bulan, buat balance transfer lagi (Anda layak melakukan balance transfer beberapa kali yang anda suka selagi memenuhi syarat nilai minimum)


Caranya:

1.Catitkan latest statement balance untuk semua kad
2. Gabungkan statement balance untuk 2 kad
3. lakukan balance transfer ke akaun balance transfer kad kredit ke-3 anda
4. Sekarang anda telah refinance balance transfer anda dengan pelan 0% interest.
5. Ulangi langkah ini sehingga hutang habis dibayar
6. Pastikan baki amaun yang boleh dibelanjakan dari setiap kad cukup untuk balance transfer

Peringatan:
1. Pelan balance transfer setiasa berubah, sila kemaskini maklumat mengenai pelan balance transfer dari masa ke semasa.

Contoh:
Maybank - Tahun 2010 pelan 0% hanya untuk 3 bulan sahaja
                - Tahun 2011 Pelan 0% untuk 12 bulan
Public Bank - Tahun 2010 Pelan 0% hanya untuk 6 bulan
                    - Tahun 2011 Pelan 0% masih untuk 6 bulan
CIMB - Tahun 2010 Pelan 0% hanya untuk 6 bulan
           - Tahun 2011 Pelan 0% masih lagi 6 bulan

2. Walaupun anda telah menstruktur balik hutang-hutang kad anda, anda mesti ingat, janganlah boros membelanjakan lebihan wang dari gaji anda (yang anda jimatkan dari interest). Teruskan mengikut financial planning yang sedia ada.

Analisis produk:

1. 0% interest balance transfer plan:

Maybank 12 bulan
Public Bank 6 bulan
CIMB 6 Bulan


Pemenang: Maybank

2. Pelan selain dari 0%

Maybank:
0.375% per month for 24 months Plan and 0.413% per month for 36 months Plan.

Interest dikira PER MONTH

http://www.maybank2u.com.my/WebBank/BT%20Plan%20B%20-%20G%20Savings%20Table%20(060111).pdf


Public Bank:









Interest dicaj SEKALI sahaja pada bulan pertama (upfront)

http://www.pbebank.com/en/en_content/personal/cards/bt.html
http://www.pbebank.com/en/en_content/images/tc_bt12.pdf

CIMB:

Option A – 1% interest for 12 months balance transfer

Interest dicaj untuk setahun


http://www.cimbbank.com.my/index.php?ch=43&pg=116&ac=423&bb=5368&tpt=cimb_bank

Pemenang: Public Bank dan CIMB

NOTA: Sebarang pembatalan pelan balance transfer, anda akan dikenakan penalti oleh bank


Borang permohonan dan kadar interest:
http://www.maybank2u.com.my/WebBank/2.pdf
http://www.maybank2u.com.my/WebBank/BT%20Plan%20B%20-%20G%20Savings%20Table%20(060111).pdf
http://www.pbebank.com/en/en_content/personal/cards/bt.html
http://www.pbebank.com/en/en_content/images/bt12_form.pdf
http://www.pbebank.com/en/en_content/images/tc_bt12.pdf
http://www.cimbbank.com.my/index.php?ch=43&pg=116&ac=303&bb=3687&tpt=cimb_bank&tpt=cimb_bank

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