Easy Payment Plans – June 2011
Easy Payment Plans allow you to spend first and pay in installment based on the purchase or spent amount.
There are few ways to apply for EPP.
- Apply directly at selected merchant during your purchase
- Call card issuer and furnish details of the purchase and number of installments that you want to make. Usually this must be done before the next Statement Date.
- Deal with company/agent that provides service on EPP to settle credit card outstanding (not advisable)
Table below shown Easy-Payment Plan that currently offered by several card issuers or banks (for item 1 & 2 above).
Click picture to enlarge
Popularity: 3% [?]
Citibank takde pulak ye… hehehe
zam(Quote)
Semua interest rate ni per annual ke? Ada yg tulis ada yang tidak..
Anne(Quote)
ada yg dah wat research which one the best?
fauzan(Quote)
dia punye fee mahal sangat la, sampai 20%. kami nak bayar kredit kad byk tu pun x mampu hah macam mana
tni_ktn(Quote)
Konsep EPP macam nie:
Katakan saya beli barang guna Cimb dengan harga RM500.
Saya layak buat EPP selama 10 bulan.
So sekali interest di kira utk 1st time payment:
Rm500 * 2% = Rm10
Bulan pertama saya kena bayar RM500/10 + Rm10 = RM60
Bulan berikutnya = RM50 saja sampai bulan ke 10.
Untung tak??? Hehe…saya suka buat EPP dgn Cimb, murah..
Terima Kasih..
LyeNa(Quote)
Jgn terus buat EPP..pasang strategi dulu utk dpt caj yg lebih rendah sampai 0%. Caranya:
- caj pembelian ke CC anda.
- buat cash balance transfer 0% BSN dgn amaun CC A.
- then, hanya perlu byr bulan2 kat CC BSN dgn kadar 0% je.
p/s: perlu ambilkira caj GST RM50 dan promosi CBT 0% dari CC yg lain.
2bz4money2(Quote)
Saya masih tak berapa faham ttg EPP ni (almaklumlah, takda CC).
Saya selalu nampak streamer advertise boleh buat EPP 0%. EPP 0% tu macam mana pulak? Tak kena apa2 interest spt list di atas ke?
Sya(Quote)
Dasyat nyer Maybank 9% p.a. CIMB rase nyer paling murah. Tapi kalo nk wat EPP ade je kan yang 0%. Bergantung kepada CC, bank dan merchant.
hafiz(Quote)
apa maksud early exit fee?
mizz bananaz(Quote)
mizz bananaz, early exit fee tu maksudnya fee yg dikenakan bile kiter kuar awal dr contract asal dgn bank. Contoh early exit tu, kite ikat 6 bulan, tp bulan yg ke 4 kite nk buat full settlement.
yana.mohd(Quote)
wooo TQ yana
mizz bananaz(Quote)
Sy ingin bertanya.. jika kadar % dikenakan 4%p.a kalau sy buat EPP dgn plan 20 bulan jadi sy % yg sy kena ialah 8% betol ke?
Wakakaka7(Quote)
merujuk kepada keterangan di atas saya terlihat catitan “not advisable” untuk permohonan EPP menggunakan ejen. Boleh saya tahu kenapa?
daripada penerangan di atas juga saya fahami kita kena beli barang dulu, baru boleh apply EPP.
mas(Quote)
adakah tahun 2012 pon masih guna epp yg sama?
artikah(Quote)