{"id":1738,"date":"2012-07-14T11:33:59","date_gmt":"2012-07-14T03:33:59","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1738"},"modified":"2018-01-12T09:59:16","modified_gmt":"2018-01-12T01:59:16","slug":"5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm","title":{"rendered":"5 Kesilapan Kad Kredit Yang Hampir Semua Orang Buat"},"content":{"rendered":"
\"sign

Sesetengah bank menawarkan 0% atau kadar faedah yang lebih rendah apabila anda pindahkan baki kad kredit anda ke kad baru anda. Namun, tawaran ini biasanya hanya untuk suatu tempoh tertentu<\/p><\/div>\n

Sesetengah orang mungkin prejudis terhadap penggunaan kad kredit kerana bimbang mereka akan berakhir dengan hutang yang terlalu banyak. Ini satu sebab yang munasabah, tapi jika kad kredit digunakan dengan sewajarnya, anda boleh buat penjimatan lebih banyak dari apa yang anda fikirkan!<\/p>\n

Berikut adalah lima kesilapan kad kredit yang ramai orang sering buat, terutamanya pengguna baru.<\/p>\n

<\/span>Kesilapan #1 – Tidak memeriksa laporan kredit peribadi anda<\/span><\/h2>\n

Laporan kredit peribadi anda seperti kad laporan kepada bank. Anda perlu pastikan bahawa maklumat dalam laporan kredit anda adalah tepat. Pastikan laporan anda tidak senaraikan sebarang hutang yang anda tak buat. Penyenaraian yang tidak tepat boleh membuatkan anda kelihatan seperti seseorang yang mempunyai kredit yang sedikit, sekali gus mengurangkan peluang anda mendapatkan kad kredit (atau apa-apa pinjaman) dari bank. Untuk maklumat lanjut tentang bagaimana anda nak dapatkan laporan kredit anda, ikutlah arahan di laman web Bank Negara di sini<\/a><\/p>\n

<\/span>Kesilapan #2 – Tidak menyemak perbelanjaan kad kredit anda<\/span><\/h2>\n

Sebaik sahaja anda dapat kad kredit, anda mungkin akan terdorong untuk menggunakannya setiap masa, dan tak peduli dengan apa yang anda belanjakan. Itu adalah satu kesilapan BESAR. Hutang boleh terkumpul dengan cepat jika anda tak selidiki perbelanjaan anda dengan teliti. Dengan menyelidikki perbelanjaan, anda boleh pastikan perbelanjaan anda berada dalam lingkungan bajet bulanan, sekali gus mengelakkan sebarang situasi hutang.<\/p>\n

<\/span>Kesilapan #3 – Lupa tarikh potong pemindahan baki<\/span><\/h2>\n

Sesetengah bank menawarkan 0% atau kadar faedah yang lebih rendah apabila anda pindahkan baki kad kredit anda ke kad baru anda. Namun, tawaran ini biasanya hanya untuk suatu tempoh tertentu (syarat-syarat yang biasanya ditulis dalam cetak halus yang ramai orang tak peduli membacanya). Ketahui bila tempoh akhir baki pemindahan dan pastikan anda jelaskan baki tertunggak sebelum tarikh tamat tempoh jika tak mahu terkejut nanti.<\/p>\n

<\/span>Kesilapan #4 – Tidak memadankan rekod kad kredit anda<\/span><\/h2>\n

Jika anda tak semak perbelanjaan kad kredit anda (kesilapan # 2), anda mungkin tak memadankan rekod kad kredit anda . Penyemakan dan pemadanan rekod kad kredit peribadi anda dengan rekod pengeluar kad kredit anda boleh bantu mengesan sebarang kesilapan mahupun penipuan transaksi.<\/p>\n

<\/span>Kesilapan #5 – Kegagalan mengemaskini arahan pembayaran automatik<\/span><\/h2>\n

Untuk kemudahan, ramai orang menguruskan pembayaran automatik bil setiap bulan menggunakan kad kredit mereka. Apakah akan berlaku jika kad lama tamat tempoh dan anda diberi satu kad baru? Arahan tersedia sering dilupakan. Bil mungkin dibiarkan tak berbayar, mengakibatkan gangguan perkhidmatan dan bayaran tertunggak. Ini tak baik untuk laporan kredit anda.<\/p>\n","protected":false},"excerpt":{"rendered":"

Sesetengah orang mungkin prejudis terhadap penggunaan kad kredit kerana bimbang mereka akan berakhir dengan hutang yang terlalu banyak. Ini satu sebab yang munasabah, tapi jika kad kredit digunakan dengan sewajarnya, anda boleh buat penjimatan lebih banyak dari apa yang anda fikirkan! Berikut adalah lima kesilapan kad kredit yang ramai orang sering buat, terutamanya pengguna baru…. View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":2654,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,100],"tags":[279],"class_list":["post-1738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-kad","tag-bm"],"acf":[],"yoast_head":"\n5 Kesilapan Kad Kredit Yang Hampir Semua Orang Buat<\/title>\n<meta name=\"description\" content=\"Sesetengah orang prejudis terhadap kad kredit kerana bimbang mereka akan berakhir dengan hutang yang terlalu banyak. Ini satu sebab yang munasabah.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Kesilapan Kad Kredit Yang Hampir Semua Orang Buat\" \/>\n<meta property=\"og:description\" content=\"Sesetengah orang prejudis terhadap kad kredit kerana bimbang mereka akan berakhir dengan hutang yang terlalu banyak. Ini satu sebab yang munasabah.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2012-07-14T03:33:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-01-12T01:59:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2012\/07\/5-Kesilapan-Kad-Kredit-yang-Hampir-Semua-Orang-Buat.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"296\" \/>\n\t<meta property=\"og:image:height\" content=\"297\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"iMoney Editorial\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"iMoney Editorial\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm\",\"url\":\"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm\",\"name\":\"5 Kesilapan Kad Kredit Yang Hampir Semua Orang Buat\",\"isPartOf\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm#primaryimage\"},\"thumbnailUrl\":\"\/articles\/wp-content\/uploads\/2012\/07\/5-Kesilapan-Kad-Kredit-yang-Hampir-Semua-Orang-Buat.jpg\",\"datePublished\":\"2012-07-14T03:33:59+00:00\",\"dateModified\":\"2018-01-12T01:59:16+00:00\",\"author\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb\"},\"description\":\"Sesetengah orang prejudis terhadap kad kredit kerana bimbang mereka akan berakhir dengan hutang yang terlalu banyak. Ini satu sebab yang munasabah.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm#primaryimage\",\"url\":\"\/articles\/wp-content\/uploads\/2012\/07\/5-Kesilapan-Kad-Kredit-yang-Hampir-Semua-Orang-Buat.jpg\",\"contentUrl\":\"\/articles\/wp-content\/uploads\/2012\/07\/5-Kesilapan-Kad-Kredit-yang-Hampir-Semua-Orang-Buat.jpg\",\"width\":\"296\",\"height\":\"297\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.imoney.my\/articles\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Artikel Terkini\",\"item\":\"https:\/\/www.imoney.my\/articles\/category\/artikel-terkini\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"5 Kesilapan Kad Kredit Yang Hampir Semua Orang Buat\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#website\",\"url\":\"https:\/\/www.imoney.my\/articles\/\",\"name\":\"iMoney Malaysia\",\"description\":\"Everything you need to know about improving your personal finances.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.imoney.my\/articles\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb\",\"name\":\"iMoney Editorial\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g\",\"caption\":\"iMoney Editorial\"},\"description\":\"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.\",\"sameAs\":[\"http:\/\/www.imoney.my\"],\"url\":\"https:\/\/www.imoney.my\/articles\/author\/chinglee\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"5 Kesilapan Kad Kredit Yang Hampir Semua Orang Buat","description":"Sesetengah orang prejudis terhadap kad kredit kerana bimbang mereka akan berakhir dengan hutang yang terlalu banyak. Ini satu sebab yang munasabah.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm","og_locale":"en_US","og_type":"article","og_title":"5 Kesilapan Kad Kredit Yang Hampir Semua Orang Buat","og_description":"Sesetengah orang prejudis terhadap kad kredit kerana bimbang mereka akan berakhir dengan hutang yang terlalu banyak. Ini satu sebab yang munasabah.","og_url":"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm","og_site_name":"iMoney Malaysia","article_published_time":"2012-07-14T03:33:59+00:00","article_modified_time":"2018-01-12T01:59:16+00:00","og_image":[{"width":296,"height":297,"url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2012\/07\/5-Kesilapan-Kad-Kredit-yang-Hampir-Semua-Orang-Buat.jpg","type":"image\/jpeg"}],"author":"iMoney Editorial","twitter_card":"summary_large_image","twitter_misc":{"Written by":"iMoney Editorial","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm","url":"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm","name":"5 Kesilapan Kad Kredit Yang Hampir Semua Orang Buat","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm#primaryimage"},"image":{"@id":"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm#primaryimage"},"thumbnailUrl":"\/articles\/wp-content\/uploads\/2012\/07\/5-Kesilapan-Kad-Kredit-yang-Hampir-Semua-Orang-Buat.jpg","datePublished":"2012-07-14T03:33:59+00:00","dateModified":"2018-01-12T01:59:16+00:00","author":{"@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb"},"description":"Sesetengah orang prejudis terhadap kad kredit kerana bimbang mereka akan berakhir dengan hutang yang terlalu banyak. Ini satu sebab yang munasabah.","breadcrumb":{"@id":"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm#primaryimage","url":"\/articles\/wp-content\/uploads\/2012\/07\/5-Kesilapan-Kad-Kredit-yang-Hampir-Semua-Orang-Buat.jpg","contentUrl":"\/articles\/wp-content\/uploads\/2012\/07\/5-Kesilapan-Kad-Kredit-yang-Hampir-Semua-Orang-Buat.jpg","width":"296","height":"297"},{"@type":"BreadcrumbList","@id":"https:\/\/www.imoney.my\/articles\/5-kesilapan-kad-kredit-yang-hampir-semua-orang-buat-bm#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.imoney.my\/articles\/"},{"@type":"ListItem","position":2,"name":"Artikel Terkini","item":"https:\/\/www.imoney.my\/articles\/category\/artikel-terkini"},{"@type":"ListItem","position":3,"name":"5 Kesilapan Kad Kredit Yang Hampir Semua Orang Buat"}]},{"@type":"WebSite","@id":"https:\/\/www.imoney.my\/articles\/#website","url":"https:\/\/www.imoney.my\/articles\/","name":"iMoney Malaysia","description":"Everything you need to know about improving your personal finances.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.imoney.my\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb","name":"iMoney Editorial","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g","caption":"iMoney Editorial"},"description":"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.","sameAs":["http:\/\/www.imoney.my"],"url":"https:\/\/www.imoney.my\/articles\/author\/chinglee"}]}},"_links":{"self":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/1738"}],"collection":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/comments?post=1738"}],"version-history":[{"count":19,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/1738\/revisions"}],"predecessor-version":[{"id":15568,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/1738\/revisions\/15568"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media\/2654"}],"wp:attachment":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media?parent=1738"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/categories?post=1738"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/tags?post=1738"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}