{"id":1723,"date":"2012-07-15T11:46:16","date_gmt":"2012-07-15T03:46:16","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1723"},"modified":"2024-09-07T00:37:40","modified_gmt":"2024-09-06T16:37:40","slug":"3-soalan-penting-akan-ditanya-sebelum-anda-memohon-kad-kredit-pertama-anda-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/3-soalan-penting-akan-ditanya-sebelum-anda-memohon-kad-kredit-pertama-anda-bm","title":{"rendered":"3 Soalan Penting Sebelum Memohon Kad Kredit Pertama Anda"},"content":{"rendered":"<p>Memiliki kad kredit memang seronok. Dengan kad kredit, anda boleh belanja wang yang anda belum lagi ada. Apa yang lebih baik dari itu?!<\/p>\n<p>Tetapi sebelum anda dapatkan kad kredit yang \u201cmenyeronokan\u201d ini, penting anda tanya diri sendiri beberapa soalan, terutamanya jika anda tak mahu berakhir dengan hidup berhutang sepanjang hayat!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Mengapa-anda-perlukan-kad-kredit\"><\/span>Mengapa anda perlukan kad kredit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sentiasa tanya diri anda &#8211; apa tujuan punyai kad kredit? &#8220;Kerana ia menyeronokkan&#8221; dan &#8220;saya boleh beli apa-apa yang saya mahu&#8221; bukanlah sebab yang baik untuk pohon kad kredit. Dapatkan kad kredit jika ia BENAR-BENAR memberi manfaat kepada anda.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Adakah-anda-sedar-caj-kad-kredit-yang-akan-dikenakan\"><\/span>Adakah anda sedar caj kad kredit yang akan dikenakan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Orang selalu fikir mereka akan bayar bil-bil mereka tepat pada masanya. JANGAN anggap begitu! Bagaimana jika anda terlepas pembayaran? Berapa banyak yuran tambahan anda terpaksa bayar nanti? Sentiasa bandingkan kadar faedah, caj penalti, yuran tahunan dan caj lain untuk kad kredit yang berbeza. Kebanyakan maklumat ini boleh didapati atas talian (atau anda boleh rujuuk kepada <a href=\"https:\/\/www.imoney.my\/ms\/kad-kredit\">jadual perbandingan kad kredit<\/a>!)<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sejauh-mana-anda-pandai-urus-kewangan-peribadi-anda\"><\/span>Sejauh mana anda pandai urus kewangan peribadi anda?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Adakah anda cukup berdisplin dalam mengawal perbelanjaan anda? Adakah anda jenis orang yang bayar bil pada masanya? Anda boleh kurangkan perbelanjaan anda jika perlu? Jika jawapan anda adalah &#8216;tidak&#8217; kepada mana-mana soalan di atas, maka mendapatkan kad kredit bukanlah satu idea yang baik. Mempunyai kad kredit memerlukan anda urus kewangan anda dengan baik. Untuk ketahui lebih lanjut tentang bagaimana anda boleh mengurus penggunaan kad kredit anda, rujuk kepada <a href=\"https:\/\/www.imoney.my\/articles\/tip-pengurusan-penggunaan-kad-kredit-2-bm\" target=\"_blank\" rel=\"noopener\">tip pengurusan penggunaan kad kredit<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Memiliki kad kredit memang seronok. Dengan kad kredit, anda boleh belanja wang yang anda belum lagi ada. Apa yang lebih baik dari itu?! Tetapi sebelum anda dapatkan kad kredit yang \u201cmenyeronokan\u201d ini, penting anda tanya diri sendiri beberapa soalan, terutamanya jika anda tak mahu berakhir dengan hidup berhutang sepanjang hayat! Mengapa anda perlukan kad kredit?&#8230; <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/3-soalan-penting-akan-ditanya-sebelum-anda-memohon-kad-kredit-pertama-anda-bm\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":2656,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,100],"tags":[279],"class_list":["post-1723","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-kad","tag-bm"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>3 Soalan Penting Sebelum Memohon Kad Kredit Pertama Anda<\/title>\n<meta name=\"description\" content=\"Mengapa anda perlukan kad kredit? 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