{"id":3406,"date":"2013-01-25T18:09:25","date_gmt":"2013-01-25T10:09:25","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=3406"},"modified":"2018-01-12T09:58:06","modified_gmt":"2018-01-12T01:58:06","slug":"apa-akibatnya-bila-tak-bayar-penuh-bil-kad-kredit-anda","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/apa-akibatnya-bila-tak-bayar-penuh-bil-kad-kredit-anda","title":{"rendered":"Apa Akibatnya Bila Tak Bayar Penuh Bil Kad Kredit Anda"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-8849 alignleft\" src=\"\/articles\/wp-content\/uploads\/Bills-Woman-Creditcard-300x300.jpg\" alt=\"credit card- imoney\" width=\"240\" height=\"240\" srcset=\"\/articles\/wp-content\/uploads\/Bills-Woman-Creditcard.jpg 300w, \/articles\/wp-content\/uploads\/Bills-Woman-Creditcard-150x150.jpg 150w, \/articles\/wp-content\/uploads\/Bills-Woman-Creditcard-50x50.jpg 50w, \/articles\/wp-content\/uploads\/Bills-Woman-Creditcard-120x120.jpg 120w\" sizes=\"(max-width: 240px) 100vw, 240px\" \/>Untuk kebanyakan orang, ia merupakan kemudahan yang membolehkan kita \u201cbeli sekarang, bayar kemudian\u201d, di samping menikmati pelbagai keistimewaan ekslusif yang ditawarkan oleh pelbagai rangkaian peniaga. Tapi bagi mereka yang kurang berdisiplin, kad kredit adalah bagaikan bom yang nak meletup depan muka dengan timbunan bayaran faedah yang besar jika anda berbelanja sesuka hati dan tak dapat buat bayaran penuh pada hujung bulan.<\/p>\n<p>Di Malaysia, bank umumnya perlukan pengguna kad kredit buat bayaran minimum 5% (atau jumlah minimum RM50) dari bil kad kredit setiap bulan. Jika anda tak bayar penuh jumlah perbelanjaan, anda akan dikenakan bayaran yang dipanggil \u201cCaj Kewangan\u201d berdasarkan struktur kadar faedah berperingkat seperti ini*:<\/p>\n<table class=\"table table-bordered\">\n<thead>\n<tr>\n<th>PERINGKAT<\/th>\n<th>KADAR FAEDAH<\/th>\n<th>KELAYAKAN<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>I<\/td>\n<td>13.5% setahun<\/td>\n<td>Bayar bil kad kredit pada masanya selama 12 bulan berturut-turut.<\/td>\n<\/tr>\n<tr>\n<td>II<\/td>\n<td>16% setahun<\/td>\n<td>Bayar bil kad kredit sekurang-kurangnya 10 dari 12 bulan.<\/td>\n<\/tr>\n<tr>\n<td>III<\/td>\n<td>17.5% setahun<\/td>\n<td>Bayar bil kad kredit sekurang-kurangnya 9 dari 12 bulan.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><small>* Seperti disyorkan oleh Bank Negara Malaysia, tetapi kadar faedah sebenar berbeza dari bank ke bank<\/small><\/p>\n<p>Ringkasnya, anda kena bayar kadar faedah tahunan minimum sebanyak 13.5% atas baki belum jelas setiap kali anda buat keputusan untuk tidak membayar penuh bil kad kredit anda.<\/p>\n<p>Untuk fahami lebih lanjut akibat tak buat bayaran penuh, lihat babak-babak berikut:<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Babak-A\"><\/span>Babak A:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Anda ada baki belum jelas kad kredit sebanyak RM10,000<\/li>\n<li>Anda buat keputusan nak bayar hanya bayaran minimum setiap bulan<\/li>\n<li>Anda telah membayar bil kad kredit ikut <em><span style=\"text-decoration: underline;\">jadualnya<\/span><\/em> dan layak dikenakan kadar faedah Peringkat I, 13.5%<\/li>\n<\/ul>\n<p>Jika tiada lagi perbelanjaan baru, anda masih perlukan masa <strong>82 bulan<\/strong> nak langsaikan baki yang ada, dan akan dikenakan caj kewangan sebanyak <strong>RM2,752.08.<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Babak-B\"><\/span>Babak B:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Anda ada baki belum jelas kad kredit sebanyak RM10,000<\/li>\n<li>Anda buat keputusan nak bayar hanya bayaran minimum setiap bulan<\/li>\n<li>\u2022 Anda telah membayar bil kad kredit <em><span style=\"text-decoration: underline;\">tak ikut jadual<\/span><\/em> dan dikenakan kadar faedah Peringkat III, 17.5%<\/li>\n<\/ul>\n<p>Jika tiada lagi perbelanjaan baru, anda perlukan masa selama <strong>88 bulan<\/strong> nak langsaikan baki yang ada, dan akan dikenakan caj kewangan sebanyak <strong>RM3,896.83<\/strong><\/p>\n<p>Pada umumnya, pengguna kad kredit yang mudalah yang paling senang terperangkap dalam babak hutang yang parah. Menurut artikel dalam akhbar <em><a rel=\"nofollow\" href=\"http:\/\/www.themalaymailonline.com\/malaysia\/article\/60-people-declared-bankrupt-each-day-says-nancy-shukri\" target=\"_blank\">The Malay Mail Online<\/a>\u00a0<\/em>pada bulan October\u00a02013, sebanyak\u00a060\u00a0orang diisytihar\u00a0muflis setiap hari, dan sebanyak 4.18% adalah kerana\u00a0kad kredit. Ini boleh dikatakan berpunca dari tiada pengurusan kewangan atau kebanyakannya tidak memahami sistem kad kredit.<\/p>\n<p>Kami di iMoney percaya hanya ada satu cara anda boleh elak babak yang parah seperti ini, iaitu dengan membayar bil kad kredit anda!<\/p>\n<p>Suka artikel ini? Teruskan membaca untuk ketahui bagaimana anda boleh <a href=\"\/articles\/bagaimana-untuk-elakkan-membayar-faedah-kad-kredit-dan-lain-lain-caj-yang-tidak-perlu-bm\/\">elak dari kena bayar caj faedah kad kredit dan lain-lain caj yang tak perlu<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Untuk kebanyakan orang, ia merupakan kemudahan yang membolehkan kita \u201cbeli sekarang, bayar kemudian\u201d, di samping menikmati pelbagai keistimewaan ekslusif yang ditawarkan oleh pelbagai rangkaian peniaga. Tapi bagi mereka yang kurang berdisiplin, kad kredit adalah bagaikan bom yang nak meletup depan muka dengan timbunan bayaran faedah yang besar jika anda berbelanja sesuka hati dan tak dapat&#8230; <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/apa-akibatnya-bila-tak-bayar-penuh-bil-kad-kredit-anda\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8849,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,100],"tags":[279],"class_list":["post-3406","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>Apa Akibatnya Bila Tak Bayar Penuh Bil Kad Kredit Anda<\/title>\n<meta name=\"description\" content=\"Bagi mereka yang kurang berdisiplin, kad kredit adalah bagaikan bom yang hampir meletup. Bayaran faedah boleh menimbun jika anda berbelanja sesuka hati\" \/>\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\/apa-akibatnya-bila-tak-bayar-penuh-bil-kad-kredit-anda\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Apa Akibatnya Bila Tak Bayar Penuh Bil Kad Kredit Anda\" \/>\n<meta property=\"og:description\" content=\"Bagi mereka yang kurang berdisiplin, kad kredit adalah bagaikan bom yang hampir meletup. 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