{"id":1743,"date":"2012-08-06T15:28:13","date_gmt":"2012-08-06T07:28:13","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1743"},"modified":"2018-01-12T09:58:48","modified_gmt":"2018-01-12T01:58:48","slug":"bagaimana-untuk-elakkan-membayar-faedah-kad-kredit-dan-lain-lain-caj-yang-tidak-perlu-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/bagaimana-untuk-elakkan-membayar-faedah-kad-kredit-dan-lain-lain-caj-yang-tidak-perlu-bm","title":{"rendered":"Bagaimana Nak Elak Bayaran Faedah Kad Kredit Dan Lain-Lain Caj"},"content":{"rendered":"

Kad kredit tak syak lagi adalah merupakan satu produk kewangan yang paling mudah dan menarik bagi pengguna. Dengan kad kredit, anda boleh “beli dulu, bayar kemudian” – agak sukar untuk dipercayai. Walau bagaimanapun, perkara-perkara yang baik tidak datang percuma. Bersama-sama ini datanglah juga yuran dan caj faedah dan lain-lainnya.<\/p>\n

Faedah kad kredit adalah caj yang bank kenakan atas peluang yang diberi untuk kita beli barangan dan perkhidmatan tanpa membayar terlebih dahulu. Caj faedah adalah cara bank buat duit. Selain itu, bank juga mengenakan caj Bayaran Lebih Had, Yuran Pembayaran Lewat, Yuran Pendahuluan Tunai dan sebagainya.<\/p>\n

Orang sering tak sedar atau terperangkap dengan syarat-syarat ini. Di bawah, kami kemukakan beberapa langkah mudah yang anda boleh ambil bagi mengelak dari membayar yuran dan caj yang tak perlu (atau sekurang-kurangnya membayar kurang dari itu!):<\/p>\n

<\/span>Bayar baki belum jelas anda sepenuhnya<\/span><\/h2>\n

Cara PALING MUDAH (dan anda pasti telah mendengarnya sebelum ini) adalah dengan membayar baki belum jelas anda sepenuhnya pada setiap bulan. Tiada baki tertunggak, tiada caj faedah.<\/p>\n

<\/span>Ambil kesempatan dari Pelan Pemindahan Baki<\/span><\/h2>\n

Mengambil Pelan Pindahan Baki 0% adalah salah satu cara untuk mengelak dari membayar banyak faedah. Walau bagaimanapun, perancangan ini biasanya hanya bertahan untuk tempoh yang singkat. Jika anda mempunyai baki tertunggak yang besar, pastikan anda mengambil kesempatan atas pelan pemindahan baki yang ditawarkan oleh bank-bank<\/a>!<\/p>\n

<\/span>Tahu bila tempoh bebas faedah anda tamat<\/span><\/h2>\n

Kebanyakan kad kredit datang dengan tempoh tangguh atau bebas faedah (biasanya sekitar 20 hari) di mana pembelian yang dibuat pada masa ini tak dikenakan caj faedah. Ambil kesempatan atas tempoh ini dan bayar baki anda sebelum tempoh bebas faedah tamat.<\/p>\n

<\/span>Minimumkan penggunaan pendahuluan tunai<\/span><\/h2>\n

Mengeluarkan wang tunai yang bukan milik anda akan sentiasa menggoda, tetapi tiada cara anda boleh dapat wang tunai tanpa membayar lebih sebagai balasan. Biasanya bank akan kenakan kadar faedah yang sangat tinggi dan juga yuran ke atas mana-mana pendahuluan tunai, jadi cuba minimumkan penggunaannya.<\/p>\n

<\/span>Bayar bil kad kredit anda pada masanya<\/span><\/h2>\n

Yuran Pembayaran Lewat adalah benar-benar tak perlu. Bayar pada masa, setiap masa, dan anda dapat jimat beratus ringgit setahun!<\/p>\n

<\/span>Jejakki perbelanjaan anda dan elakkan dari melebihi had kredit anda<\/span><\/h2>\n

Sebaik sahaja anda melebihi had kredit anda, bank akan kenakan Bayaran Lebih Had pada anda secara automatik. Dengan sedikit usaha memantau perbelanjaan anda, anda boleh elakkan dari kena bayar yuran Lebih-Had yang tak perlu ini!<\/p>\n

Seperti yang anda boleh lihat, ada banyak cara bank boleh kenakan bayaran pada anda bila anda guna kad kredit. Banyak dari yuran dan caj ini adalah tak perlu dan boleh dielakkan, maka jadilah pengguna yang bijak dan berhenti membayar yuran ini dari sekarang. Anda akan terkejut berapa banyak anda boleh jimat!<\/p>\n

Suka artikel ini? Sekarang lihat adakah anda sedang melakukan kesalahan biasa kad kredit ini<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"

Kad kredit tak syak lagi adalah merupakan satu produk kewangan yang paling mudah dan menarik bagi pengguna. Dengan kad kredit, anda boleh “beli dulu, bayar kemudian” – agak sukar untuk dipercayai. Walau bagaimanapun, perkara-perkara yang baik tidak datang percuma. Bersama-sama ini datanglah juga yuran dan caj faedah dan lain-lainnya. Faedah kad kredit adalah caj yang… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":2670,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,100],"tags":[279],"class_list":["post-1743","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-kad","tag-bm"],"acf":[],"yoast_head":"\nBagaimana Nak Elak Bayaran Faedah Kad Kredit Dan Lain-Lain Caj<\/title>\n<meta name=\"description\" content=\"Di bawah, kami kemukakan beberapa langkah mudah yang anda boleh ambil bagi mengelak dari membayar yuran dan caj yang tak perlu.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imoney.my\/articles\/bagaimana-untuk-elakkan-membayar-faedah-kad-kredit-dan-lain-lain-caj-yang-tidak-perlu-bm\" 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