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How to settle credit card debt?

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There are few ways to settle your credit card debt/outstanding balance.
Let’s say, outstanding balance is RM5000.

1. Pay 5% of outstanding balance or RM50 whichever is higher:
*Total of months to settle outstanding amount = 69 months
*Paid for interest = RM1875.87

2. Pay fixed RM 250:
*Total of months to settle outstanding amount = 24 months
*Paid for interest = RM987.60

3. Apply personal loan (2 yrs / 6.8% per annum by Bank Islam), and make full settlement on credit card:
*Total of months to settle personal loan = 24 months
*Paid for interest = RM680

4. Balance Transfer with other bank (Fixed 24-Month Instalment Plan / 6.88% per annum by Alliance Bank)
*Total of months to settle Alliance’s credit card = 24 months
*Paid for interest = RM688

5. EZ Payment 0%
You can found about this from several website or blog. They call it 0% but I think they will charged you one time fee and its up to 20%. So be careful and check properly the term before you decide.

Note: All calculation above is just an example and I won’t guaranty if you don’t get exactly amount as above. Banks selected above doesn’t mean a suggestion.

Click here to see details with calculation table => Credit Card settlement

Selesaikan hutang kad kredit

168 Responses to How to settle credit card debt?

  1. maria says:

    saya masih ada 3 insitusi kewangan card credit belum berbayar, tiap bulan penagih hutang call aje, garang daripada along.. adakah betul selagi kesemua hutang card cerdit kita belum habis dibayar sekiranya kita cuba apply card credit yang baru ke lain bank… permohonan kita tetap tak dapat? tq

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  2. maria says:

    Din: hai….ni utk sharing sikit.aku ada hutang cc dgn 4 institusi kewangan & dekat 2 thn x bayar.total outstanding ada la dlm rm21k, apa yg aku buat br2 ni ialah aku call each bank and nego, buat cite sedih2 skit, bgtau sggh2 yg aku nk settlekn utang…hasilnya aku berjaya me’negos’kan 3 drp 4 institusi kewangan ni dan hnya bayar rm7k, cuma tinggal lg 1 bank ni susah skit nk nego…tp aku akan terus mencuba.tip:jgn bg no phone anda semasa nego @ ditnya oleh pihak bank, tembak ja no phone anda yg lama2– tnya release letter sblm buat payment.tq..

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  3. jas says:

    maria..my opinion is better u settle hutang of your remaining cc..3 cc considered high commitment..kalu dah sampai tahap debt collector cari u kiranya your payment status x berapa bagus..it means your CCRIS x cantik..fyi in future application bank akan refer CCRIS..

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  4. maria says:

    Thanks mr,Jas do u have some idea to hope me any bank boleh buat settle hutang for cc? coz when I call a bank and asking for loan to settle for my cc, they said status kitaorg dibank tak beberapa elok so bank tidak akan buat pinjaman untuk settle loan cc. tq..Maria

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  5. jas says:

    Maria..there’s no choice u’ve to settle your remaining cc ..most importantly u kena take fullest effort to settle payment before thinking for next loan..mayb my statement is harsh but nak settle hutang kena ada kesabaran & disiplin yg tinggi..u can read all comments posted by BH in this topic cos your enquiry is very typical..if CCRIS status is good whereas your commitment is high (above 60% bank really mind to approve our loan application)..
    p/s: i ni pompuan hehehe..

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  6. john jay says:

    jas:
    Maria..there’s no choice u’ve to settle your remaining cc ..most importantly u kena take fullest effort to settle payment before thinking for next loan..mayb my statement is harsh but nak settle hutang kena ada kesabaran & disiplin yg tinggi..u can read all comments posted by BH in this topic cos your enquiry is very typical..if CCRIS status is good whereas your commitment is high (above 60% bank really mind to approve our loan application)..
    p/s: i ni pompuan hehehe..

    what MISS jas said is true…i myself have this problem before and hold a cc debt over 50k(i have 8 cc from 8 diff banks)…my phone always ringing and until a limit i afraid to pick up any number started from 03-XXXXXXXX (as i knew it going to be bank calling)…with pain i tied up my stomach,never dream of changing cars or buy a house (wic i dont have house that time)…i pay all my cc in lump sump slowly one by one..bank by bank (wic ever bank that always calling…i pay that one 1st)…finally after few years,im now a cc debt free…last but not least my advise if u not a businessman, just 1 card is more than enough wic credit limit is just twice ur monthly income/salary..

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