{"id":4315,"date":"2013-04-04T16:35:00","date_gmt":"2013-04-04T08:35:00","guid":{"rendered":"http:\/\/www.imoney.my\/articles\/?p=4315"},"modified":"2018-01-12T09:58:01","modified_gmt":"2018-01-12T01:58:01","slug":"pindahan-baki-kad-kredit-3-kesilapan-biasa-untuk-dielakkan","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/pindahan-baki-kad-kredit-3-kesilapan-biasa-untuk-dielakkan","title":{"rendered":"Pindahan Baki Kad Kredit: 3 Kesilapan Biasa Untuk Dielakkan"},"content":{"rendered":"
\"Menguruskan

Menguruskan kad-kad kredit anda boleh mengelirukan \u2013 ia bermanfaat untuk anda mengetahui kesilapan-kesilapan biasa yang sering dilakukan<\/p><\/div>\n

Pindahan Baki Kad Kredit adalah pilihan jangka masa pendek ke jangka masa pertengahan yang popular dan boleh membantu mengurangkan jumlah faedah yang anda bayar untuk hutang kad kredit anda. Tetapi, biarpun ia dapat membantu anda keluar daripada situasi yang rumit, Pindahan Baki Kad Kredit boleh menyebabkan lebih banyak masalah jika ia tidak dilakukan tanpa pertimbangan yang sewajarnya. \u00a0 Sesiapa yang sedang giat mempertimbangkan Pindahan Baki Kad Kredit, berikut adalah kesilapan biasa yang anda perlu tahu sebelum menetapkan pilihan anda.<\/p>\n

<\/span>1) Berpendapat Yang Kadar Faedah Permulaan Adalah Untuk Seumur Hidup<\/span><\/h2>\n

Kepada sesiapa yang tidak berpengalaman atau tidak biasa dengan urusan sebegini, anda mungkin berpendapat yang kadar terendah atau 0% yang anda terima apabila anda memulakan pindahan baki adalah untuk seumur hidup, tetapi ia TIDAK. Sebenarnya: anda hanya boleh menikmati kadar faedah permulaan untuk satu tempoh tertentu, selalunya hanya untuk beberapa bulan sahaja, sebelum anda kembali ke kadar faedah piawaian. Oleh itu, jika kadar faedah piawaian syarikat kad kredit baru anda lebih tinggi daripada yang sedia ada, anda mungkin membayar lebih banyak dalam jangka masa panjang.<\/p>\n

<\/span>2) Lupa Untuk Mengambil Kira Bayaran Pindahan Baki (dan Caj-Caj Lain)<\/span><\/h2>\n

Bila perhatian anda tertarik kepada iklan-iklan yang menawarkan \u201c0% kadar faedah\u201d, memang kadangkala senang untuk terlupa yang sesetengah syarikat-syarikat kad kredit mengenakan caj kepada anda dengan sekali bayar (one-off) Yuran Pindahan Baki Kredit Kad. Katakan anda memindahkan RM50,000 baki tertunggak dari Kad A ke Kad B yang mengenakan caj pindahan baki sebanyak 3%, anda akan mengumpul RM1,500 hutang tambahan sebaik sahaja pindahan anda diluluskan. Ini tidak termasuk caj-caj lain seperti Yuran Tahunan, yang mungkin dikecualikan oleh kad kredit anda yang terdahulu. Tanpa strategi pembayaran balik yang jelas, semua caj-caj ini hanya akan menghantui anda suatu hari nanti.<\/p>\n

<\/span>3) Membatalkan Kad Kredit Lama Anda Sebaik Sahaja Anda Memindahkan Baki<\/span><\/h2>\n

Boleh dikatakan salah satu daripada kesilapan biasa yang sering berlaku \u2013 ramai orang membatalkan terus kad kredit mereka sebaik sahaja mereka memindahkan baki ke kad kredit baru; dan terlupa yang mereka masih bergantung kepada kad kredit untuk membuat pembelian di masa hadapan. Untuk memahami bagaimana ini boleh menjadi satu masalah, perlu diingatkan yang kadar faedah terendah atau 0% kadar permulaan yang anda dapat lazimnya hanya melibatkan baki yang telah anda pindahkan, dan BUKAN pembelian-pembelian yang anda akan buat dengan kad kredit baru anda.<\/p>\n

Secara fakta, ia adalah perkara biasa untuk kad kredit baru anda mengenakan caj kadar faedah yang lebih tinggi untuk pembelian-pembelian baru<\/span> bagi \u2018mengimbangi\u2019 (offset) kadar permulaan menarik yang diberikan kepada anda. Sekarang bayangkan berlaku kecemasan secara tiba-tiba, yang memerlukan anda untuk menggunakan kad anda dengan kadar faedah baru yang kurang menarik ini, dan anda akan lihat bagaimana ia boleh menjadikan situasi hutang anda lebih teruk. Kesimpulannya, jangan tergopoh-gapah dengan hasrat untuk memotong kad kredit lama anda!<\/p>\n

Suka artikel ini? Anda mungkin ingin mengetahui 5 kesilapan kad kredit yang dilakukan oleh hampir semua orang.<\/a><\/p>\n

Secara alternatif, anda mungkin ingin daftar masuk ke Carta Pindahan Baki iMoney untuk menentukan pilihan yang sesuai bagi keperluan anda. <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Pindahan Baki Kad Kredit adalah pilihan jangka masa pendek ke jangka masa pertengahan yang popular dan boleh membantu mengurangkan jumlah faedah yang anda bayar untuk hutang kad kredit anda. Tetapi, biarpun ia dapat membantu anda keluar daripada situasi yang rumit, Pindahan Baki Kad Kredit boleh menyebabkan lebih banyak masalah jika ia tidak dilakukan tanpa pertimbangan… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8806,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,100],"tags":[279],"class_list":["post-4315","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-kad","tag-bm"],"acf":[],"yoast_head":"\nPindahan Baki Kad Kredit: 3 Kesilapan Biasa Untuk Dielakkan<\/title>\n<meta name=\"description\" content=\"Pindahan Baki Kad Kredit adalah pilihan jangka masa pendek ke jangka masa pertengahan yang popular dan boleh mengurangkan jumlah faedah yang anda bayar.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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