Pada pandangan anda, adakah kad kredit melambangkan status kekayaan atau status kemiskinan pemilik kad kredit itu sendiri? Sesetengah orang mengatakan bahawa kad kredit adalah satu keperluan untuk memudahkan urusan seharian dan mengelakkan daripada membawa wang tunai yang banyak (walaupun boleh pakai kad debit). Apa pandangan anda mengenai isu ini.
Berikut adalah sebahagian pandangan dari remaja2 di malaysia yang dapat saya kumpul di youthsays
-nadiahkamil: alasan untuk berhutang11 months.
Leave a commentapa alasan untuk berhutang? — mny 11 months
Maksud saya orang yang menggunakan kad kredit nie banyak nya hanya sebab suke behutang.Bukan nk memudahkan ke atau security. x melambangkn apa2 samada kemewahn atau kemiskinan.Kbanyakkan budak2 muda yg bankrup bukan sbb bisnes ke ape tapi sebab kredit kad — nadiahkamil 11 months
so, klau dah bankrup tue secara otomatiknya miskin la kot.. :-) — mny 11 months
bagi saya CC nie bagusnya utk emergency dan komitmen ngan bnk shj, so nnt nk wat loan senang, selalu org bankrpt nie on paper jer, takde la miskin mane pon. Cuma ntt sush ar nak apply loan ke nak jadi director ker...kan dah menyusahkan diri sendiri —nadiahkamil 11 months
yanaliy: pendapat saya, boleh ade kredit kad tapi kene control diri sendiri drpd main swipe je bila berbelanja.
bagi sesetengah org, ia memudahkan mereka, contohnnye bila beli barang yang melebihi gaji sebulan yang offer pembayaran secara installment. tp downturn dia, ade interest la. 11 months.
Leave a commentyupzz... a lot of people fall in that trap... pakai dulu bayar kemudian.... — mny11 months
LeeNKI: well..if u wanna buy something worth 1ok..lets say..fridge..but ur income is Rm5-6k/mth..credit card helps to avoid wayyyy excessive charges compared to monthly installment..doesnt matter if u are rich or poor..to buy necessity when u dont have enough cash, is acceptable..being not so rich, but pretending like one...that is credit card abuse..but if u are damn rich, why credit card? debit kan ade. 11 months. Leave a comment.
tp klau nak beli brg harga $10K , klau pkai kredit kard kena bayar 983 /mth utk setahun. tp klau sabar dan simpan $833/mth setahun dah boleh beli pun brg yg harga $10K tue... cuma kena sabar setahun ajer dah jimat $1800... (interest rate @ 18% setahun) — mny 11 months
pohvin14: it depends on the person who owns the credit card..as we know that there several level of crdiet cards like gold, platinum, diamond n so on.. so, those people who r affordable only can manage to own a credit card.. yet still, it depends on how they utilise it.. its ok if they use credit card for expensive items like TV, or cupboards...as the interest would not affect so much.. but as to me, i would still prefer debit card as it is more convincing and u dont need to worry about the ineterest... =)11 months. Leave a comment.
good advice... — mny 11 months
thanks, hehe =) — pohvin14 11 months
PakciQue: Dewasa ini, Kad Kredit telah disalahgunakan. Fungsi asal ia adalah untuk memudahkan. Tapi, akhirnya ia akan menyusahkan.
Sehingga sekarang aku tidak ada Kad kredit walaupun kadang2 terdetik hati berkata, kan bagus kalau ada Kad Kredit. Semua urusan jadi mudah.
Tapi, aku juga memikirkan jangka panjang sebab aku boleh rasa yang aku ni seorang yang kalau berbelanja, memang hilang pedoman.
Jadi, selagi boleh. Elakkan lah dari memiliki dan menggunakan Kad Kredit.11 months. Leave a comment.
jgn pakai kad kredit... merbahaya... — mny 11 months
mysterious: You'll be broke because you don't see how much money you have in the bank & money coming out of yout ATM. Because of this, you will not know if your money is gone! If you do, you'll probably say "Heh, bayar bil lain kali pun tak pe...."
Better just use cash and hide it somewhere so that peragut will not catch you.11 months. Leave a comment
sis. agreed with u more than u can imagine.. :-) i've gone through this situation before... — mny 11 months
I hope you are not going through this again....=) However, it's good to learn from our mistakes! Money makes humans go crazy. People should live in a "kesusahan" condition so that we appreciate life instead of money.... —mysterious 11 months
i'll not dare to be in that situation again... :-) — mny 11 months
justinbieber: this Q has been featured is it??so..be patient with all the upcoming answers.
as for me..credit card lambang ketamakan, kehalobaan dan kebodohan manusia.
bile berbelanja, ikotla kemampuan. ikot akal bkn ikot nafsu.
bile ade credit card, ade stgh dr kite ni..mcm kera dapat bunga je
xreti hargai, xreti nk differentiate kegunaan sbnr utk credit card.
membeli belah xingat dunia..ujung bulan duit gaji abes bayar utang credit card je.
berbelanja secara tak berhemah. mcm tuhla jadinye.
p/s: sorry aku cam xleh pikir pjg ni, so jawapan aku pon merepek je..:p 11 months. Leave a comment.
hahaha... aku nmpk cam x sabar jer ker??? tgh posa kot... hehehe... ujung bulan dapat gaji, awal bulan dah abis byr utang... cantekk... pastu kena buat hutang baru balik sebab cash dah abis.. it'll alwayz been a never ending "hutang". — mny 11 months
owh yeahhh — justinbieber 11 months
syadira: lambang kemiskinan..haha sbb orang yang ada kad kredit ni kan berhutang..=)11 months. Leave a comment.
Leave a comment.tp klau nak beli brg harga $10K , klau pkai kredit kard kena bayar 983 /mth utk setahun. tp klau sabar dan simpan $833/mth setahun dah boleh beli pun brg yg harga $10K tue... cuma kena sabar setahun ajer dah jimat $1800... (interest rate @ 18% setahun) — mny 11 months
pohvin14: it depends on the person who owns the credit card..as we know that there several level of crdiet cards like gold, platinum, diamond n so on.. so, those people who r affordable only can manage to own a credit card.. yet still, it depends on how they utilise it.. its ok if they use credit card for expensive items like TV, or cupboards...as the interest would not affect so much.. but as to me, i would still prefer debit card as it is more convincing and u dont need to worry about the ineterest... =)11 months.
Leave a comment.good advice... — mny 11 months
thanks, hehe =) — pohvin14 11 months
PakciQue: Dewasa ini, Kad Kredit telah disalahgunakan. Fungsi asal ia adalah untuk memudahkan. Tapi, akhirnya ia akan menyusahkan.
Sehingga sekarang aku tidak ada Kad kredit walaupun kadang2 terdetik hati berkata, kan bagus kalau ada Kad Kredit. Semua urusan jadi mudah.
Tapi, aku juga memikirkan jangka panjang sebab aku boleh rasa yang aku ni seorang yang kalau berbelanja, memang hilang pedoman.
Jadi, selagi boleh. Elakkan lah dari memiliki dan menggunakan Kad Kredit.11 months.
Leave a comment.jgn pakai kad kredit... merbahaya... — mny 11 months
mysterious: You'll be broke because you don't see how much money you have in the bank & money coming out of yout ATM. Because of this, you will not know if your money is gone! If you do, you'll probably say "Heh, bayar bil lain kali pun tak pe...."
Better just use cash and hide it somewhere so that peragut will not catch you.11 months. Leave a comment
sis. agreed with u more than u can imagine.. :-) i've gone through this situation before... — mny 11 months
I hope you are not going through this again....=) However, it's good to learn from our mistakes! Money makes humans go crazy. People should live in a "kesusahan" condition so that we appreciate life instead of money.... —mysterious 11 months
i'll not dare to be in that situation again... :-) — mny 11 months
justinbieber: this Q has been featured is it??so..be patient with all the upcoming answers.
as for me..credit card lambang ketamakan, kehalobaan dan kebodohan manusia.
bile berbelanja, ikotla kemampuan. ikot akal bkn ikot nafsu.
bile ade credit card, ade stgh dr kite ni..mcm kera dapat bunga je
xreti hargai, xreti nk differentiate kegunaan sbnr utk credit card.
membeli belah xingat dunia..ujung bulan duit gaji abes bayar utang credit card je.
berbelanja secara tak berhemah. mcm tuhla jadinye.
p/s: sorry aku cam xleh pikir pjg ni, so jawapan aku pon merepek je..:p 11 months.
Leave a comment.hahaha... aku nmpk cam x sabar jer ker??? tgh posa kot... hehehe... ujung bulan dapat gaji, awal bulan dah abis byr utang... cantekk... pastu kena buat hutang baru balik sebab cash dah abis.. it'll alwayz been a never ending "hutang". — mny 11 months
owh yeahhh — justinbieber 11 months
syadira: lambang kemiskinan..haha sbb orang yang ada kad kredit ni kan berhutang..=)11 months.
Leave a comment.belancos: kad kredit lambang hutang dan lambang suka berhutang.11 months. Leave a comment.
michealsiva: kemiskinan, kerana perlu biasakan diri dgn belanja mengikut kemampuan, dgn kad kredit akan membiasakan orang belanja berlebihan...11 months. Leave a comment.
fernando: kemiskinan... kerana anda sebenarnya sedang bergelumbang dengan hutang yang mungkin x dapat dilangsaikan... ingat... dalam kad kredit ada interest... buat membazir jer!!!
cieri: I am using cc because of a few reason
1- for internet shopping.I buy my textbooks and even my chicken online so it is easier to pay by cc than COD
2-I limited my cc to a few 10thousand yen to avoid overspending and I wont use my cc unless I need to.so it means no cc for grocery shopping or for clothes.
3-I pay my hutang instantly. potong terus from my bank account.takde skip skip or tangguh2 bayar.
4-I chose cc yang takde interest.yang special tuk student and for women.
5-senang nak beli tiket flight,nak bayar utilities etc.
Leave a comment.michealsiva: kemiskinan, kerana perlu biasakan diri dgn belanja mengikut kemampuan, dgn kad kredit akan membiasakan orang belanja berlebihan...11 months.
Leave a comment.fernando: kemiskinan... kerana anda sebenarnya sedang bergelumbang dengan hutang yang mungkin x dapat dilangsaikan... ingat... dalam kad kredit ada interest... buat membazir jer!!!
cieri: I am using cc because of a few reason
1- for internet shopping.I buy my textbooks and even my chicken online so it is easier to pay by cc than COD
2-I limited my cc to a few 10thousand yen to avoid overspending and I wont use my cc unless I need to.so it means no cc for grocery shopping or for clothes.
3-I pay my hutang instantly. potong terus from my bank account.takde skip skip or tangguh2 bayar.
4-I chose cc yang takde interest.yang special tuk student and for women.
5-senang nak beli tiket flight,nak bayar utilities etc.
like what I mentioned above,I dont use the cc for groceries or for clothes.cc tinggal kat umah.dengan perancangan y betul,ok aja pakai cc.kena ingat la pakai bkan untuk bermewah2..11 months. Leave a comment.
nice explanation sis.. good reason and advice.. thanx. — mny 11 months
owh satu lagi jangan guna reti bayar tak reti.kena ada rasa tanggung jawab.kalau rasa takde,lupakan.kalau guna sebab nak beli hp mahal2 bayar skali gus,pun,lupakanlah — cieri 11 months
simplegirl: ha...2 la psl..hmmm 4 me..people that use kad kredit ni mcm dia pk should be use it?xtau npe?bergantung pd seseorg 2!dont judge them by this cOver?...statusnya bkn kemiskinan..but terdesak mybe?11 months. Leave a comment.
Leave a comment.nice explanation sis.. good reason and advice.. thanx. — mny 11 months
owh satu lagi jangan guna reti bayar tak reti.kena ada rasa tanggung jawab.kalau rasa takde,lupakan.kalau guna sebab nak beli hp mahal2 bayar skali gus,pun,lupakanlah — cieri 11 months
simplegirl: ha...2 la psl..hmmm 4 me..people that use kad kredit ni mcm dia pk should be use it?xtau npe?bergantung pd seseorg 2!dont judge them by this cOver?...statusnya bkn kemiskinan..but terdesak mybe?11 months.
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