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Monday, March 25, 2013

Teknik Memanipulasi Kad Kredit

Masih ramai orang yang takut-takut untuk menggunakan kad kredit.. Alasan yang paling biasa didengar ialah takut tidak mampu berdisiplin menggunakan dan membayar.. Takut jugak bila lambat bayar, interest yang dikenakan berlipatkaliganda..

Mari aku kongsi teknik utk kita pulak memanipulasikan kad kredit, jangan sampai syarikat kad kredit yang memperkotakkatikkan kita :D

1. Gunakan untuk mengisi minyak.. Aku slalu isi full tank rm70+, point yg dapat 5x ganda penggunaan biasa.. Maksudnya kalau isi minyak rm70, dah 350 point dapat.. (Rujuk kpd kad kredit Ikhwan Islamic Maybank & isi minyak di petronas)

Kelebihan guna kad kredit utk isi minyak ialah, korang xpayah meninggalkan kereta utk ke kaunter.. Kan dah banyak insiden kecurian/rompakan berlaku bila tinggalkan kereta.. Kalau nak elakkan kecurian bagai, kena la matikan enjin & kunci kereta dulu, baru g kaunter.. Leceh jugak, kan? ;)

2. Masa pindah rumah haritu, aku mmg dah budget a few thousands nak spent beli set sofa, katil, tilam, fridge, air cond, kipas, lampu etc.. Instead of bayar guna duit cash yang ada tu, bayar la dgn kad kredit.. Dah berapa ribu riban mata terkumpul.. Cumanya, jgn la duit cash yg beribu2 dlm bank tu korang guna utk berpoya2 pulak, kasi byr perabih la itu kad kredit..

3. Beli barang dapur, servis kereta, makan2 kat luar, shopping pun semua aku guna kad kredit.. Selain x perlu bawak cash dgn banyak (mengurangkan risiko kerugian dirompak), dapat jugak mengumpul mata ganjaran..

Best sangat ke mata ganjaran kad kredit tu? Dapat beli apa je pun? Ok, meh nak show off, sepanjang kami laki bini guna kad kredit semenjak 2008 (suami), 2009 (aku) ni antara benda yg kami dah redeem: 

Panasonic DVD Player S48 worth RM200+ 
Ear Thermometer worth RM70+
Jam Adidas worth RM150
Alpha Water Heater worth RM489
Philips Garment Steamer worth RM349
 Electrolux Vacuum Cleaner worth RM450

Vacuum cleaner tu yg terbaru.. Baru semalam redeem kat SengHeng.... Rekod setakat menjadi pengguna tegar kad kredit ni, kami belum pernah dikenakan caj kecuali yang RM50 setahun tu... Mari kita manipulasi kad kredit :D

11 comments:

nadia said...

Tak faham la,kalau guna kad kredit,dia akan otometik tolak tak duit dlm bank? X paham yg wani kata guna wit lam bank untuk byr balik cc

onniesham said...

sy pon pump minyak n beli groceries pakai cc sbb nk dpt point.. tp kena disiplin la kan... pas shopping terus byr balik. Tp mmg hebat la awk... byk brg letrik awak redeem. saya salu redeem voucher parkson je... kekekeke

NiK SeNsEI said...

sama la kita.. I guna beli tiket flite.. setakat ni masih belum bayar RM50 lg.. mana2 je pakai credit card.. lepas tu terus je bayar balik..

Azwani Shaari said...

nadia: dia x tolak directly, kita yg kena bayarkan.. mcm aku, bayar terus guna mbb2u.. kiranya dah ada duit dlm akaun tu, kasi byr terus la hutang.. jgn delay2..

onniesham:
tu la kan.. sng nak berbelanja, tp yg -ve nya mmg slalu overspent la... kalo pi nsk, mau habis 300+ swap card punya psl...huhuhu

nik: aittt, x kena lg ke charge tahunan rm50 tu? i dah 2-3x kena kot...

Lin Azlina said...

betul tu. Kalo pndia guna ok sgt kredit kad ni. sdg apply yg maybank pny cc jgk ni...

Hafeez Anuar said...

Saya baru jer apply kad kredit ikhwan petronas ni.Itu pun atas nasihat dari member. Cuma nak tahu,kalau kita shopping barang dapur kat tesco ker,mydin ker TP tu di kira RM1 = TP1 ataupun RM1 = TP5. Confius sekejap.
peluang perniagaan

Azwani Shaari said...

Tuan Hafeez:
kalau shopping biasa RM1=1PT, kalau isi minyak di petronas je RM1=5PTs :D

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rezeki halal said...

Azwani nk tya...groceries tu maksudnya cane ea...Ade no phone x ...nk tya detail..

rezeki halal said...

Azwani nk tya...groceries tu maksudnya cane ea...Ade no phone x ...nk tya detail..

rezeki halal said...

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