Sebab Aznah lah saya apply credit card satu lagi and solved my cashflow problem with my side business, I didnt know that credit card were so useful in many ways before watching her TikTok videos, daripada I pinjam2 org dan menyusahkan org lain, baik I pinjam dgn bank and pay back on time with 0% interest. 👌🏻
@@aznahabas242true. If u know how to use. For exaample if kita spend fb ads ataupun beli stocks for our busines this month lepas tu dpt untung next month byr kt bank. Mmg heaven
Pemikiran kita sama "pnjm dgn duit gaji bulan depan, daripada pnjm kat org skliling dan menyusahakn org"... Yg tidak sma pendapatan kita,basic saya 1500 je tk lepas kot 🥲🥲🥲😂😂
Saya dari household M40, tapi hidup mcm B40, selebihnya simpan dan labur. Jarang travel sebab memang kurang minat, belanja bulanan pun tak la tggi sgt, sekadar keperluan dan sy tak minat nak nk bermewah2. Saya ambik 2 CC je. Satu utk groceries satu utk minyak. Dpt statement terus settle semua. Guna EPP utk brg2 yg rm500 ke atas. Alhamdulillah setakat ni tak pernah kena interest dan dpt cashback hampir 1k dh
One of Robert Kiyosaki key philosophies is "knowing how to use debt to create wealth,". When you know your debt, you can improve your life and "wealth". "Wealth" is not just about money, but good life, good health, less stress. Good cashflow will increase your credit score juga..
Saya rasa ramai yang silap faham, Pn Aznah ni tak pernah suruh pun korang pakai banyak CC. Cuma dia nak bagitau boleh je pakai banyak CC kalau ada ilmu cara nak manage CC tersebut.
Podcast kalini byk yg out of the box, POV financial spend org T20, tapi utk yg among B40, M40 yg bergaji, dah tahu tiap² bulan berapa byk duit masuk better refer financial advice/suggestions FF😅
I understand both different ways of spending habits. Tapi saya incline dengan Faiz, meticulous about price difference. Is it much of a discount or not. How long. Contract consideration. Ada duit tapi EPP. Technically sebab lebih banyak savings this way, tp betullah Aznah ni jenis tak menyesal beli apa2, so she do whatever she likes and that's no problem for her. If you have the capacity, just go for it. Begitulah kehidupan, you want to save more, it will be renyah. Kalau nak tak nak fikir banyak, you'll spend a lil bit more.
Kad kredit is like a game. Setiap action you buat ada consequences dan bank wants to lose and pay up interest sebab bank tak boleh buat duit tapi ambil duit based on your action. If you are b40 with no/lack of knowledge + dulu sciences stream tak belajar pasal duit. Jangan start dengan credit card sebab it can destroy you the moment you go in debt. Belajar discipline about duit dulu dan jadikan habit. Tapi kenapa orang kaya pakai credit card. Ini tak adil? Orang kaya pakai credit card sebab nak leverage apa dia boleh dapat pakai bank ABC. Dia tahu setiap bulan kena bayar xx ringgit untuk teruskan hidup contoh minyak petrol. So the moment bank keluarkan credit card yang yg “guna kad kami you dapat point dan point you boleh redeem” memang no brainer la dia pakai sebab boleh redeem points dapat barang secara percuma. The moment si kaya kata “saya tak boleh bayar ini” the moment bank akan senyum dan kenakan you minimum pay + interest. Interest dia tuan/puan bukan rate macam loan rumah tapi 15% interest (ini lowest based on my knowledge) “Inilah orang kata rich getting richer poor getting poorer” Janganlah you rasa FOMO sebab tak pakai credit card ada negara2 maju still tolak credit card sebab ada “guilt”or “dosa” dalam bahasa kita.
@@aznahabas242that's the problem tho, your bank doesnt even bother to tell us that hahaha cause they want us to lose money, and their staff like you keep on saying 'no, no, no, you can get better rates if you know whatchu dooin' (AI TIKTOK STYLE, then lick paw) trying to trick us again n again
I pernah experience same problem which is medical complication which I benefited the CC to pay it because I tak perlu guna savings yang ada. Me personally is a mix of faiz and aznah.
My concept. Cash is king. Debt is debt no matter what (bnpl, credit card,car loan, home loan). Cuma hidup sekarang debt adalah 'almost' tak dapat elak. Dave Ramsey punya concept, dia suka quote dari bible dia.. borrower is slave to the lender. For me, ikut Quran pon kita sentiasa jangan overspend.
CC kena ada jugak. Ada kegunaan dia. Saya pernah swipe debit card dekat airport toronto 2 kali decline. Bila balik malaysia, tengok account dia tolak duit. Report kat bank tak boleh buat apa sebab debit card. Kalau credit card kita dispute the transaction. Skrg saya pakai CC je. Debit tu macam buat acc bank kita terlalu expose.
@@Dasani31 mana2 pon okay janji pandai guna... Lagi2 org mcm Robert kiyosaki menggalakkan loan dgn bank... Org mcm Ramsey di mazhab berbeza, pada saya Ramsey sesuai utk mrk yg tak boleh control spending dan sikap boros tinggi, jadi perlukan budget+saving... Manakala Robert pandai manipulasi kredit dan tax utk bina wealth asset melalui property...
Tak kesah la nak kata Sy ni otak zaman kuno ke apa Tapi yess Sy mmg elak kan utk ada apa2 such as hutang cc , bnpl, spaylater, Shoppe pay what so ever because I need a peace of mind. Ada duit belanja, xde duit duk diam2 kt rumah.
I kept nodding when I agree with Aznah's points 😂. With info everywhere online, people should learn about credit cards. READ and LEARN, spend RESPONSIBLY and enjoy the perks.
I'm really interested with her monthly budgeting. I'm sure the cc has different billing cycles which can be used to her advantage. In my opinion, if you are using most of your salary to pay off credit card bills, gotta put in mind if you suddenly out of job or loss in income. She's honest though in her way of spending :D
Tu la, ni dia tak ingatkan pun kat kita. Dia just ckp dia spend lavishly, and rightly so sebab dia earn maybe belas puluh riban sebulan. Kalau hilang income pun mungkin dia ada insurance, simpanan dari gaji besar dia utk cover lah apa lah kan. Kalau kita yg gaji biasa2 nk spend mcm ni MEMANG TAK BOLEH LANGSUNG. Kalau tak sampai bila2 la berhutang, dah tu kalau mati wariskan anak bini hutang tu. Aisehmen nasihat semua duniawi je.
@@jampiserapah So increase la bro your income. Just need to do more. Right now aku personally xde gaji literally sbb aku tgh develop business sendri and mostly only pay for monthly commitment je. Itu pon kne push sales kaw2. So the point is, sementara larat and muda tu, kite push la income selagi mne boleh, nak x nak je bro.
@@aliffzulhaziq6789 bkn masalah nk spend more. Dia ni mcm ada problem dgn org yg cautious dgn spending card diorang. And dia keep on bragging her spending, the only reminder dia bg ialah 'kita dh biasa bayar bulanan jd kita tahu ini memang kena bayar'. The F, ko faham tak berapa ramai anak muda seronok tgk dia spend dgn cc kalau dpt nasihat mcm dia ni habis bankrap diorang. Aku tak ckp gaji aku x cukup utk hidup aku, akupun ada cc tp spend carefully sepatutnya nasihat dia. Bkn just spend your limit. Gila apa nasihat mcm tu. Dia jual cc bang, dia nk bg org pakai cc. Ckp psl benefits tu benefits ni tp kita yg pakai pun tahu cashback tu tak seberapa pun. Cc sng ja nk bg anak muda yg newbie hanyut dalam lautan hutang, tu mslh aku dgn dia. Bkn sbb dengki, khianat ke apa.
@@jampiserapahtp kalau kt tiktok dia byk dia warning & beleter dkt org kalau org tu x layak dia x suggest cc & seumpamanya. Dia suruh tukar kerja suruh increase income. Shes very open in educating boleh tanya je. Plus one of the reason dia push guna cc sbb nk jaga cashflow and boleh guna cash utk saving. Done backup ampun salah silap 🙏😊
Case by case ..semua bergantung pada disiplin dan tabiat diri ..ada orang disiplin tinggi dan sentiasa awas dengan perbelanjaan dan kira2. Ada orang senang lupa apa komitmen yang perlu bayar ...antara sebab mudah lupa mungkin komitmen terlalu banyak, atau terlalu banyak kad menyebabkan komitmen berterabur bank sana bank sini sampai tak ter-follow. Ada orang bila bayar komitmen bulan2, bila tengok baki hutang jadi kurang dia makin semangat nak setelkan habis. Ada orang bila masa bayar komitmen bulan2, bila tengok baki dalam akaun makin kurang dia jadi depress dan kurang semangat nak bayar komitmen.
I’m like her, truly! I love to shop & often give in to impulse purchases. I have 8 cards right now & thankfully I manage to make full statement balance every month. However, this only comes with experience & I only manage to do this for the last 5 years. And yes, balance transfer & cash-on-call are very helpful in managing monthly payments.
To certain extent yes (M40-T20) but those who are B40 stands on your reality. You still can use credit card but spending like her, you will only trouble yourself. Most of malaysians are in B40 bracket. Anyway, good sharing! :)
ofcourse gaji dia saje 5angka dah tp ada perspective dr dia yg kita boleh ambil pakai.. rata2 kredit kad ada minimum apply of rm2k or 3k boleh pilih and ikut tekak sendiri
Betul tu. Kena realistik dimana level kita tp tu lah kita tak dapat lari dari untuk berbelanja. Dari berbelanja kosong, baik guna cc tu untk dpt cashback/reward yg ada. Cc ni permainan bank tp kita boleh bljar untk counter semua tu.
Terima kasih aznah dan faiz. Saya rasa audience yg sesuai praktik ni adalah dari golongan niche, kiranya kalau orang tu memang suka berbelanja, dia kenalah berbelanja secara bijak seperti aznah
Aku ada 2 kredit card dgn credit limit RM30 ribu dan RM12 ribu.Setiap bulan bayar penuh ikut statement balance. Maka hidup jadi simple tidak perlu fikir IPP , EPP, transfer balance, point, hadiah, promosi dll.
cc ni mcm pisau.. so,ikut la..ada jenis org nak potong sayur ,ayam utk mkn sndiri..ada jenis guna pisau tu utk buat kenduri satu kampung.. anyway, aku lebih suka cara yg conventional mcm sir faiz.. beli guna cc dgn duit apa yg ada dlm bank kita...nak guna loan cc pun utk epp je...
Bagi aku credit card adalah intrument kewangan yg terbaik pernah wujud. Siapa yg nak bagi pinjaman tanpa interest selama 45 hari tanpa interest. Cuma sepatutnya remaja seawal 15 thn dibenarkan ada cc sendiri dgn jaminan dr parents jika masih belajar.
@@shafiqnurfaizzi355 supplementry card tak membantu anak ada score credit utk diri sendiri, kalau kat negara luar kanak2 bawah umur boleh ada kredit card nama sendiri dgn jaminan parents sebab masih tak bekerja
FF lepas ni kalau boleh ajak Dr Zaharuddin ke podcast mcm ni dan sembang pasal credit card lagi. Mcm mana berkenaan processing fee, 'upah pinjam' semua tu affect kehidupan kita. Tambah2 kalau beli groceries ke, keperluan ke kan. Sbb sy keliru jgk. Ada cc yg islamic, tp bila arrange epp kan sometimes ada processing fee mcm mana halal haram nye kan.
Ada dgr ceramah.. Yes riba is haram.. Riba is menaikkan harga something yg ad fix price.. Like CC ni.. More to, kita guna perkhidmatan dya.. So we pay for their perkhidmatan.. All service ada charge dya.. So basically we pay for the service not the exactly barang yg kita beli.. Sbb kita mntk bank belikan dulu for us.. For the payback servis is the interest yg bgi kita rasa tu riba..
I follow her tiktok, thx to her sbb skrang actually she make me think more wider about benefit EPP, balance transfer, cash out, and so on... tu tk masuk lg about perks. Before this i sndri think negative tentang CC. Now, it changes the whole thinking.
thank miss azah. im ur new follower on tt after watch this podcast. sy baru nak 'berjinak2' belajar pasal cc ni. very useful here. thanls both of u. faiz & azah
Credit card bagus untuk survival for me. You takde duit nak makan tgh bulan, swipe. You takde duit nak isi minyak, swipe. You takde duit nak beli barang dapur, swipe. You takde duit nak bayar rent, swipe. As long you pay at the end of the month before due okay je.
conclusion, CC card adalah tools terbaik untk hidup d zaman now... kena rajin membaca setiap TnC CC card... rugi ada cc card tpi x utilities full benefits CC card, tq sis Aznah, teruskan bt konten Tiktok, semoga follower 100k ke atas tahun ni
conversation between two opposite ends of financial management philosophy. she's practically doing everything yg FF kata jangan buat 🤣 bravo FF boleh still tenang & layan dgn baik. dalam hati sure geram jugak tu kan? 😛 rasanya Aznah ni ada 'safety net' lain in life ni, sbb tu she can afford to be that way. maybe family kaya? atau ada inheritence?
kad kredit amat penting bila you ada kereta . you boleh guna isi minyak , pergi servis kereta dgn ini you dapat mengurangkan bebanan untuk you bayar cash jika you tak ada kad kredit. saya sendiri guna dua cc dan ia amat membantu saya. bila you ada kad kredit you mesti ada online banking untuk memudahkan you manage kad kredit you
credit card kalau pandai guna bagus sebab ia dapat mengelakkan seseorang berkenderungan untuk membuat personal loan yg menyebabkan seseorang itu terperangkap untuk berhutang di dalam tempoh yang lama
Yes, man especially kena get themselves have knowledge to live their life seriously in many cases woman are more aware and should wake the man up to the importance of attaining this knowledge. Knowledge on: Islam, finance, food and health and continuous education. Thank you both FF and AA.🎉
FF method more to careful on spending and I think Ms Aznah punya method is a bit dangerous on how to utilize CC. Rasanya kalau gaji tinggi Aznah's method seems practical, depends how well you play the CC game.
Benda memang bagus. Contoh, I apply withdraw cash from my bank CC..charge per annum? waktu promo 3.88% instead off PL yang bagi 8%/annum untuk swasta macam I..but u cant apply smpai 20k la sebab dia depend on your Credit limit.
kad kredit ni hati2 jangan bayar min balance sbb interest mahal ok... tak silap everyday ada caj interest ..so end of the month bayar full, make sure kita tahu akhir bulan tu boleh bayar kredit kad yg kita swipe.. aman hidup, tapi kena ada kredit kad ute mudahkan kita nak travel or takut nak bawa duit cash banyakk..
Terima kasih Aznah & Faiz kongsi perspektif kredit kad 👍🏼 bru fhm knp org guna! Kena tgk kad mana sesuai dgn lifestyle saya dan bayar statement balance setiap bulan 💰
masa2 miskin mmg ada juga, 15 dollar untuk satu akaun, makan sikit lebih buka akaun lain, akhirnya mmg dapat juga 100usd sehari, kadang lebih 200usd sehari. bila setelah tempoh tertentu, apa ye kenalan lama? janagan mintak lost? ye le.. lama sanagt dah tak lost ni. takut juga.. opss.. cerita pasal akaun dagangan, bukan kredit card ye.
Lamaaa saya takut buat CC until blajar dalam small circle yg pndai fully utilise CC..so far i hv 2 cc. As beginner though im still juggling..agreed with Tuan FF & Pn Aznah..n yeah kena rajin belajar dan baca TnC...Duit bank in the CC tu mcm pisau..if u careful guna pisau, inshaAllah tak terluka. Or mybe luka sikit and heal well..(sometimes the bleeds tu kita masih boleh tahan sbb superficial cut..) if u understand what i mean
Apa pon kalau otak tu dah ada pemikiran dah pinjam mesti bayar, insyaAllah takda isu bangkrup atau terlebih guna atau kes tak mampu bayar. Bila niat dalam hati asyik nak amik kesempatan dan tak nak bayar, memang susah la. Sampai kiamat memang berhutang je la.
From FF jugak la smpai skrg sya dah ada 3 CC and stiap CC ada benefits 😂.. berbanding guna debit yang xde apa2 benefits pun. Yang penting pandai manage duit je and bayar on time before due date.
aku dulu siap buat bisnes kecil-kecilan supply barang kat universiti guna credit card.. untung dapat , xperlu guna duit sendiri & dapat kupon pasaraya AEON, tebus blender Tefal, bekas air Thermos & etc.. tapi sekarang tak dapat dah.. kenangan..
thanks to aznah and faiz for being able to tell me meaningful information. Untuk saya yang baru nak naik umur, nak pergi ke dunia dewasa ini banyak membantu. tq you both again.
Terima kasih Puan Aznah share cheat code pakai kredit kad. Sebelum ni pakai bayar petrol dengan groceries je. Banyak lagi benda boleh buat lagi rupanya. Terima kasih untuk ilmu yang bermanfaat Tuan Faiz & Puan Aznah.
Ur welcome...actually bukan cheat code pun. It is there since the very inception. Masalah org kita ni suka momokkan benda yg diorg Xtau 🤣 Padahal mcm2 CC boleh buat...tp part bankrup tu jugak yg nak dicanangkannya...haha
Satu perkara yg perlu disimpan dlm kepala ialah jika kita mati tiba2.. Siapalah yg akan bayar hutang dan instalment tu nanti. Jual assets semua ambik masa berbulan2. Bank chargers tetap jalan. Family tinggal apa nt. Walaupun ada emergency fund.. Cukup ke cover semua hutang dan instalment tu. Hidup biarlah moderate. Dah tua boleh hidup sendiri tanpa mengharap anak2.
@@FinancialFaiz tu kaedah no2.. Yg pertama lifestyle perlu moderate. Lepas tu apa yg you nak buat beli takaful ke, travel ke.. Boleh sgt jika hutang di minima serendah boleh. Lifestyle yg sy maksudkan yg besar ye seperti pembelian rumah, renovate rumah, kereta mahal.. Tu semua liabiliti not asset. Asset bagi you cash flow. Bukan asset selagi you byar loan ke atasnya, byar maintenance dan insurance setiap tahun.
Aah underutilized 3rd card eying untuk online shopping pulak belum ada card for every purpose tapi kalau sampai 12 card tu shopping apa tak boleh bayang perlu 12 card coverage. Limit tinggi bukan untuk EPP ke split installment bukan untuk swipe max
setuju dgn aznah sbb sy punya CC life lebih kurang 🤣👍🏼 still apply some good inputs from FF too so get best of both opinions hehe terima kasih FF keep up the good work educating ppl 👍🏼👍🏼
Pengunaan credit card bg saya more on dapat points utk reedem items, also benefit kalau di airport utk Lounge but i pay my credit card on time . Ada benefit guna CC but mesti disiplin dan belanja perkara yg perlu not kehendak..
Boleh je klu nak pki utk kehendak...klu u Xguna utk kehendak it is up to u..lain org lain persediaan kewangan dia. How they view the risk is also diff. Yg penting ilmu tu. U tau ada mende lain yg wujud dlm CC tu...Xpakai ke Xperlu pakai ke lain citer
How to apply other bank credit card? Sebab dah apply kat bank lain, mostly tak lepas, tapi credit card yg gaji masuk, dia offer jer credit card, which dah ada. Tapi nak try juga guna other bank credit card juga for their benefit (like RHB shell visa) atau balance transfer et cetra.
Tiba2 Aznah kata malas nak bayar postpaid punya phone bil. Penyelesaian adalah adalah buat autobil semua bil kepada kredit kad maka setiap bulan hanya perlu bayar credit card sahaja. Lambat komen sebab baru hari ini tengok video ini.
Tuan Faiz, tolong tanya kpd guest berapa peratus pendapatan bank komersial secara puratanya daripada transaksi kad kredit ? Soalan kedua, sezalim mana bank2 komersial utilise kad kredit fasiliti utk memaksimum keuntungan harian ?
This info u blh google je Interchange Fee Visa/Mastercard...berbeza ikot jenis transaction. Pastu dlm satu bank, org selalunya pikir duit dr side Issuing saja, lupa bahagian Acquiring. That term klu u berminat nak tau I rs u blh Google gak n try pahamkan. Finally, bank Xzalim...kita klu Xpaham something n Xboleh disiplin dengan pembayaran sendri, jgn salahkan org 'bank' in this case. CC can really be cheap. 0% EPP, 2-5% per annum for Quickcash/Balance Transfer, 7-9% for IPPs in general or typical 18%p.a or sebenarnya 1.5% per month. Ramai org sebenarnya XRETI GUNA PEMBAYARAN CC YG LAIN...pastu dengar drpd org yg salah n kata CC ni mahal. So yeah...blame it on lack of knowledge n stop blaming the bank.
Sya Pon ada 8 cc,setiap ada kegunaan,3 Dari 8 cc,adalah infinite,memang berguna masa travel,Dan sya guna cc untuk pusing duit bisnes,memang berbaloi,Dan ada yg jadi jutawan guna cara ni,termasuk saya😎
i pernah dpt airpods from ringgitplus from applying hsbc card.. it's legit. and yep i pun jenis yg selidik sekejap tapi yakin nak beli benda. but i only have 2 cards la guna balance transfer lepas kahwin, 1% fees je
Idk who she is but so far based on podcasts, she doesn't seem to give advise worth remembering. Most of it are bad advises or for those not in working class. Just saying, no hate yet still interesting podcast.
Ok bro ni user perspective. Aku pakai 5 cc. Setiap cc benefit lain. Last month dapat dalam 500 ringgit lebih cashback. Kene pakai dan plan betul2 baru maximise benefit. Kalau pakai ikut tekak je mmg tak jadi apa.
banker well verse dengan product dia, so they know how to manipulate the facility for their own benefits. user credit card boleh je buat camtu, just get the knowledge je.
it was a great sharing thank you,,, @@aznahabas242 really differs alot from us ,,the way of our thinking and spending habits... learn something new about balance xfer and maximizing cc benefits... will dig more info on my cc product to compare... thank you so much , keep up the good work.
Luckily me and my wife not a big spender...have alot of savings and assets and when we enjoy, we enjoy to the fullest...duit boleh cari but not guaranteed sampai bila2
@@aznahabas242 bukan macam tu juga. Dia lose track for whole month, pastu bila statement datang dah overspend. 😅 My style gak - everything I spend I track la, statement datang bayar minimum + additional ikut hati. Confirm no issue.
very helpful knowledge. start with 1 cc now dah berani ada 4 cc. really help my finance when hujung bulan takde duit makan 😂. so far tak kena interest lagi. just pay your statement bank on time srs
Thanks a lot for this! Btw, what’s the best way to gain the knowledge to manage your finances for beginners? I am a fresh graduate and will be starting my first job soon.
I've been using atome and success to pay all the debt at my age 22 y/o last year(using debt card) I never interest about CC before, and after seeing this podcast make me want to know the differrences using atome and EPP CC. Now, my question is to pay cc is that the same way as atome which requires us to pay for the next month in the same date we purchase? Or cc accumulate all the epp amount and need to pay it at the end of the month?
I'm not trying to put her down or anything, I believe she's a wonderful lady. But I can't stand the way she speaks. With the giggling in between sentences I can't comprehend what kind of point she's trying to make. I know it is her personality or whatever but it's not the right way to be in a podcast. It ain't Tiktok.
I know why she gave that advice on the last part. Maybe it's because she received many complaints from wives who have irresponsible husbands who can't manage finances properly and do a lot of unlicensed loans. Genuinely thank you for making this podcast and this is a good sharing. Again to all men out there, learn to manage finance before marryingrying someone. It's your responsibility.
They dont complain...its just that most of my haters n lack of financial literacy comes from...men 🤣 not trying to generalize but that I what I face on a daily basis. Most ladies are more receptive and wanna learn more. So I wonder, how they manage their family financials with than kind of mentallity.
@@aznahabas242 I 100% agree with you. And that situation happened to my mother and it's freakin depressing to see my 48yo mother working until 2am till 3am to cover bills etc. I can't be rude to my father because of his messes but my mother inspired me a lot on how she keeps working and maintaining her mental health. Thank God for her existence right now I'm working well and I am capable of helping her.❤ Based on this experience, I learned. A man who loves complaining is the laziest.
Hi FF, saya bercadang nak sign up credit card utk more rewarding for any of my particular spending. Saya ternampak this one ads “guaranteed RM800” when you apply CC via us. Saya rasa, instead of saya mmg dah kene byr my monthly commitment mcm biasa dan yg tader cashback or reward sgt. Better sy apply & byr guna credit card which is much rewarding. Boleh percaya x eh iklan2 suruh apply credit card camtu?
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Okay baby
Sebab Aznah lah saya apply credit card satu lagi and solved my cashflow problem with my side business, I didnt know that credit card were so useful in many ways before watching her TikTok videos, daripada I pinjam2 org dan menyusahkan org lain, baik I pinjam dgn bank and pay back on time with 0% interest. 👌🏻
Thanks for the kind words😊
@@aznahabas242true. If u know how to use. For exaample if kita spend fb ads ataupun beli stocks for our busines this month lepas tu dpt untung next month byr kt bank. Mmg heaven
1 in a billion
Same
Pemikiran kita sama "pnjm dgn duit gaji bulan depan, daripada pnjm kat org skliling dan menyusahakn org"... Yg tidak sma pendapatan kita,basic saya 1500 je tk lepas kot 🥲🥲🥲😂😂
Saya dari household M40, tapi hidup mcm B40, selebihnya simpan dan labur. Jarang travel sebab memang kurang minat, belanja bulanan pun tak la tggi sgt, sekadar keperluan dan sy tak minat nak nk bermewah2. Saya ambik 2 CC je. Satu utk groceries satu utk minyak. Dpt statement terus settle semua. Guna EPP utk brg2 yg rm500 ke atas. Alhamdulillah setakat ni tak pernah kena interest dan dpt cashback hampir 1k dh
as long as you happy hidup mcm tu dan kehidupan you tak kacau orang lain tak ada orang marah
Pakai cc apa tu bang
Pakai cc apa bro?
@@marvineldon9284 Maybank Ikhwan Gold Mastercard utk groceries & Maybank Ikhwan Gold Petronas Visa utk minyak
@@kudo8990 Maybank Ikhwan Gold Mastercard utk groceries & Maybank Ikhwan Gold Petronas Visa utk minyak
Key dia..disiplin..hutang la apa pun...kena tahu kemampuan masing2..jangan tak sakit cari sakit
One of Robert Kiyosaki key philosophies is "knowing how to use debt to create wealth,". When you know your debt, you can improve your life and "wealth". "Wealth" is not just about money, but good life, good health, less stress. Good cashflow will increase your credit score juga..
Debt money is cheap ...why not?🤣
I love debt hahaha
Mamat kyosaki ni ramai taikun mlm suka😂
@@tunhusin9176 mana tak suka.. klo dgr talk taikun mlm mesti ada quote mamat kiyosaki tu... quote senang pancing org🤣
Saya rasa ramai yang silap faham, Pn Aznah ni tak pernah suruh pun korang pakai banyak CC. Cuma dia nak bagitau boleh je pakai banyak CC kalau ada ilmu cara nak manage CC tersebut.
Thanks lerr sbb paham 😊
Podcast kalini byk yg out of the box, POV financial spend org T20, tapi utk yg among B40, M40 yg bergaji, dah tahu tiap² bulan berapa byk duit masuk better refer financial advice/suggestions FF😅
I understand both different ways of spending habits. Tapi saya incline dengan Faiz, meticulous about price difference. Is it much of a discount or not. How long. Contract consideration. Ada duit tapi EPP. Technically sebab lebih banyak savings this way, tp betullah Aznah ni jenis tak menyesal beli apa2, so she do whatever she likes and that's no problem for her. If you have the capacity, just go for it. Begitulah kehidupan, you want to save more, it will be renyah. Kalau nak tak nak fikir banyak, you'll spend a lil bit more.
My focus is my income...I focus on where I want to focus on :) Kita focus on what we want in life.
Kad kredit is like a game. Setiap action you buat ada consequences dan bank wants to lose and pay up interest sebab bank tak boleh buat duit tapi ambil duit based on your action.
If you are b40 with no/lack of knowledge + dulu sciences stream tak belajar pasal duit. Jangan start dengan credit card sebab it can destroy you the moment you go in debt. Belajar discipline about duit dulu dan jadikan habit.
Tapi kenapa orang kaya pakai credit card. Ini tak adil?
Orang kaya pakai credit card sebab nak leverage apa dia boleh dapat pakai bank ABC. Dia tahu setiap bulan kena bayar xx ringgit untuk teruskan hidup contoh minyak petrol.
So the moment bank keluarkan credit card yang yg “guna kad kami you dapat point dan point you boleh redeem” memang no brainer la dia pakai sebab boleh redeem points dapat barang secara percuma.
The moment si kaya kata “saya tak boleh bayar ini” the moment bank akan senyum dan kenakan you minimum pay + interest. Interest dia tuan/puan bukan rate macam loan rumah tapi 15% interest (ini lowest based on my knowledge)
“Inilah orang kata rich getting richer poor getting poorer”
Janganlah you rasa FOMO sebab tak pakai credit card ada negara2 maju still tolak credit card sebab ada “guilt”or “dosa” dalam bahasa kita.
Can go lower than 15%per annum if u know wut ur doing 🤣
@@aznahabas242that's the problem tho, your bank doesnt even bother to tell us that hahaha cause they want us to lose money, and their staff like you keep on saying 'no, no, no, you can get better rates if you know whatchu dooin' (AI TIKTOK STYLE, then lick paw) trying to trick us again n again
I pernah experience same problem which is medical complication which I benefited the CC to pay it because I tak perlu guna savings yang ada. Me personally is a mix of faiz and aznah.
She is quite aggresive in terms of using debts lol but its ok at least we can learn something from her in another point of view.
Yes. Thats why we invite people so that we can get different perspectives on things. Im a bit conservative others will be different
Becoz debt money is cheaper 🤣🤣🤣
@@aznahabas242suka betul dengn ayat ni, please spill more tea kak 😇😇
My concept. Cash is king. Debt is debt no matter what (bnpl, credit card,car loan, home loan). Cuma hidup sekarang debt adalah 'almost' tak dapat elak. Dave Ramsey punya concept, dia suka quote dari bible dia.. borrower is slave to the lender. For me, ikut Quran pon kita sentiasa jangan overspend.
CC kena ada jugak. Ada kegunaan dia. Saya pernah swipe debit card dekat airport toronto 2 kali decline. Bila balik malaysia, tengok account dia tolak duit. Report kat bank tak boleh buat apa sebab debit card. Kalau credit card kita dispute the transaction. Skrg saya pakai CC je. Debit tu macam buat acc bank kita terlalu expose.
Hello, kita perlu bina markah CCRIS. Kad Kredit tu Step 1 utk bina markah CCRIS.
@@Dasani31 mana2 pon okay janji pandai guna... Lagi2 org mcm Robert kiyosaki menggalakkan loan dgn bank... Org mcm Ramsey di mazhab berbeza, pada saya Ramsey sesuai utk mrk yg tak boleh control spending dan sikap boros tinggi, jadi perlukan budget+saving... Manakala Robert pandai manipulasi kredit dan tax utk bina wealth asset melalui property...
Bygkn rumag kene rompak tervakar adakah kay masih anggao cash is king
Tak kesah la nak kata Sy ni otak zaman kuno ke apa Tapi yess Sy mmg elak kan utk ada apa2 such as hutang cc , bnpl, spaylater, Shoppe pay what so ever because I need a peace of mind. Ada duit belanja, xde duit duk diam2 kt rumah.
I kept nodding when I agree with Aznah's points 😂. With info everywhere online, people should learn about credit cards. READ and LEARN, spend RESPONSIBLY and enjoy the perks.
Bezanya I cannot see u nodding 🤣
I'm really interested with her monthly budgeting. I'm sure the cc has different billing cycles which can be used to her advantage. In my opinion, if you are using most of your salary to pay off credit card bills, gotta put in mind if you suddenly out of job or loss in income. She's honest though in her way of spending :D
she did have savings and emergency funds even invest her money yg dia tak sentuh sbb dia guna credit card je
Tu la, ni dia tak ingatkan pun kat kita. Dia just ckp dia spend lavishly, and rightly so sebab dia earn maybe belas puluh riban sebulan. Kalau hilang income pun mungkin dia ada insurance, simpanan dari gaji besar dia utk cover lah apa lah kan. Kalau kita yg gaji biasa2 nk spend mcm ni MEMANG TAK BOLEH LANGSUNG. Kalau tak sampai bila2 la berhutang, dah tu kalau mati wariskan anak bini hutang tu. Aisehmen nasihat semua duniawi je.
@@jampiserapah So increase la bro your income. Just need to do more. Right now aku personally xde gaji literally sbb aku tgh develop business sendri and mostly only pay for monthly commitment je. Itu pon kne push sales kaw2. So the point is, sementara larat and muda tu, kite push la income selagi mne boleh, nak x nak je bro.
@@aliffzulhaziq6789 bkn masalah nk spend more. Dia ni mcm ada problem dgn org yg cautious dgn spending card diorang. And dia keep on bragging her spending, the only reminder dia bg ialah 'kita dh biasa bayar bulanan jd kita tahu ini memang kena bayar'. The F, ko faham tak berapa ramai anak muda seronok tgk dia spend dgn cc kalau dpt nasihat mcm dia ni habis bankrap diorang. Aku tak ckp gaji aku x cukup utk hidup aku, akupun ada cc tp spend carefully sepatutnya nasihat dia. Bkn just spend your limit. Gila apa nasihat mcm tu. Dia jual cc bang, dia nk bg org pakai cc. Ckp psl benefits tu benefits ni tp kita yg pakai pun tahu cashback tu tak seberapa pun. Cc sng ja nk bg anak muda yg newbie hanyut dalam lautan hutang, tu mslh aku dgn dia. Bkn sbb dengki, khianat ke apa.
@@jampiserapahtp kalau kt tiktok dia byk dia warning & beleter dkt org kalau org tu x layak dia x suggest cc & seumpamanya. Dia suruh tukar kerja suruh increase income. Shes very open in educating boleh tanya je. Plus one of the reason dia push guna cc sbb nk jaga cashflow and boleh guna cash utk saving. Done backup ampun salah silap 🙏😊
Case by case ..semua bergantung pada disiplin dan tabiat diri ..ada orang disiplin tinggi dan sentiasa awas dengan perbelanjaan dan kira2.
Ada orang senang lupa apa komitmen yang perlu bayar ...antara sebab mudah lupa mungkin komitmen terlalu banyak, atau terlalu banyak kad menyebabkan komitmen berterabur bank sana bank sini sampai tak ter-follow.
Ada orang bila bayar komitmen bulan2, bila tengok baki hutang jadi kurang dia makin semangat nak setelkan habis.
Ada orang bila masa bayar komitmen bulan2, bila tengok baki dalam akaun makin kurang dia jadi depress dan kurang semangat nak bayar komitmen.
I’m like her, truly! I love to shop & often give in to impulse purchases. I have 8 cards right now & thankfully I manage to make full statement balance every month. However, this only comes with experience & I only manage to do this for the last 5 years. And yes, balance transfer & cash-on-call are very helpful in managing monthly payments.
People that knows how to handle their cards usually have no issues to spend 🤣
To certain extent yes (M40-T20) but those who are B40 stands on your reality. You still can use credit card but spending like her, you will only trouble yourself. Most of malaysians are in B40 bracket. Anyway, good sharing! :)
ofcourse gaji dia saje 5angka dah tp ada perspective dr dia yg kita boleh ambil pakai.. rata2 kredit kad ada minimum apply of rm2k or 3k boleh pilih and ikut tekak sendiri
Betul tu. Kena realistik dimana level kita tp tu lah kita tak dapat lari dari untuk berbelanja. Dari berbelanja kosong, baik guna cc tu untk dpt cashback/reward yg ada. Cc ni permainan bank tp kita boleh bljar untk counter semua tu.
Actually, only 40% of Malaysians are B40. That’s why it’s called B40, Bottom 40 Percent.
Terima kasih aznah dan faiz. Saya rasa audience yg sesuai praktik ni adalah dari golongan niche, kiranya kalau orang tu memang suka berbelanja, dia kenalah berbelanja secara bijak seperti aznah
i just wanted to show...Xde salah betul...there is just UR OWN WAY OF DOING THINGS 😊
Aku ada 2 kredit card dgn credit limit RM30 ribu dan RM12 ribu.Setiap bulan bayar penuh ikut statement balance. Maka hidup jadi simple tidak perlu fikir IPP , EPP, transfer balance, point, hadiah, promosi dll.
cc ni mcm pisau.. so,ikut la..ada jenis org nak potong sayur ,ayam utk mkn sndiri..ada jenis guna pisau tu utk buat kenduri satu kampung.. anyway, aku lebih suka cara yg conventional mcm sir faiz.. beli guna cc dgn duit apa yg ada dlm bank kita...nak guna loan cc pun utk epp je...
Walaupun belum dalam golongan yg layak utk pakai CC tp saya rasa ini adalah ilmu yang berharga untuk saya. TQ FF Channel & Aznah Abas.
Bagi aku credit card adalah intrument kewangan yg terbaik pernah wujud. Siapa yg nak bagi pinjaman tanpa interest selama 45 hari tanpa interest. Cuma sepatutnya remaja seawal 15 thn dibenarkan ada cc sendiri dgn jaminan dr parents jika masih belajar.
Kalau nak ajar anak pakai CC, boleh bagi supplementry card kat anak.
@@shafiqnurfaizzi355 supplementry card tak membantu anak ada score credit utk diri sendiri, kalau kat negara luar kanak2 bawah umur boleh ada kredit card nama sendiri dgn jaminan parents sebab masih tak bekerja
FF lepas ni kalau boleh ajak Dr Zaharuddin ke podcast mcm ni dan sembang pasal credit card lagi. Mcm mana berkenaan processing fee, 'upah pinjam' semua tu affect kehidupan kita. Tambah2 kalau beli groceries ke, keperluan ke kan. Sbb sy keliru jgk. Ada cc yg islamic, tp bila arrange epp kan sometimes ada processing fee mcm mana halal haram nye kan.
Ada dgr ceramah.. Yes riba is haram.. Riba is menaikkan harga something yg ad fix price.. Like CC ni.. More to, kita guna perkhidmatan dya.. So we pay for their perkhidmatan.. All service ada charge dya.. So basically we pay for the service not the exactly barang yg kita beli.. Sbb kita mntk bank belikan dulu for us.. For the payback servis is the interest yg bgi kita rasa tu riba..
I follow her tiktok, thx to her sbb skrang actually she make me think more wider about benefit EPP, balance transfer, cash out, and so on... tu tk masuk lg about perks. Before this i sndri think negative tentang CC. Now, it changes the whole thinking.
25:28 dulu Maybank susah nak apply, buat card bank lain, ehh tiba2 maybank call lak offer credit card 😂
Kannn…sy bulan lepas pub maybank tba2 call n offer CC. Knp eh
Sy assumed speaker ni dari T20. Masih ada benda yg boleh belajar walaupun story tu agak 'tak boleh pakai' bagi B40 Dan m40 yg tak disiplin.
at the end of the day. Knowledge is king and reading is important. Don't be lazy to read, learn, and understand..
Ramai sgt lazy to read...hari2 dpt soalan minta disuap 😂
Syukur sangat dgn perjuangan Asnah dan Faiz mengajarkan ilmu keuwangan/ kad kredit untuk orang2 awam
thank miss azah. im ur new follower on tt after watch this podcast. sy baru nak 'berjinak2' belajar pasal cc ni. very useful here. thanls both of u. faiz & azah
Credit card bagus untuk survival for me. You takde duit nak makan tgh bulan, swipe. You takde duit nak isi minyak, swipe. You takde duit nak beli barang dapur, swipe. You takde duit nak bayar rent, swipe. As long you pay at the end of the month before due okay je.
True..ada alat selesaikan masalah....knape Xmau guna dengan baik😊
Betul asal x pinjam duit orang.. sebab bukan semua org nak tolong kita.
conclusion, CC card adalah tools terbaik untk hidup d zaman now... kena rajin membaca setiap TnC CC card... rugi ada cc card tpi x utilities full benefits CC card, tq sis Aznah, teruskan bt konten Tiktok, semoga follower 100k ke atas tahun ni
Wow..ada org dah bubuh target utk I 🤣🤣🤣👍
@@aznahabas242 boleh tlong adjust cc tak? susah betul nk dptkn ke 5 dan 6 asyik kena ghosts
pengalaman aq dgan kredit kad adlah..bgus utk beli barg2 mhal tp xde cash..so byr bulan2 dgn interest rndah..tp mula2 pkai dulu xpndai nk manage..smpai kad kredit abis limit..bila limit abis bru tersedar utang byak..skg nie aq gne hnya utk byar bulan2 ja..😊😊
Tumpang tanya..kalau apply credit card untuk buat is minyak kete je bulan2 ada dpt cashback ke?🙏🏼
conversation between two opposite ends of financial management philosophy. she's practically doing everything yg FF kata jangan buat 🤣 bravo FF boleh still tenang & layan dgn baik. dalam hati sure geram jugak tu kan? 😛
rasanya Aznah ni ada 'safety net' lain in life ni, sbb tu she can afford to be that way. maybe family kaya? atau ada inheritence?
My safety net is I believe in myself n I have a husband that will always support n believe in me ..
FF is a very matured person....dia Xgado ngan org over mende camni...it is just diff opinion 🤣😊
kad kredit amat penting bila you ada kereta . you boleh guna isi minyak , pergi servis kereta dgn ini you dapat mengurangkan bebanan untuk you bayar cash jika you tak ada kad kredit. saya sendiri guna dua cc dan ia amat membantu saya. bila you ada kad kredit you mesti ada online banking untuk memudahkan you manage kad kredit you
True...true 😊 U just kne pandai pakai n tau utilise all CC features
credit card kalau pandai guna bagus sebab ia dapat mengelakkan seseorang berkenderungan untuk membuat personal loan yg menyebabkan seseorang itu terperangkap untuk berhutang di dalam tempoh yang lama
Yes, man especially kena get themselves have knowledge to live their life seriously in many cases woman are more aware and should wake the man up to the importance of attaining this knowledge. Knowledge on: Islam, finance, food and health and continuous education. Thank you both FF and AA.🎉
Terbaik pn aznah..🙂👍 rasa sgt "mahal" perkongsian ni..tq dtg!tq FF..🙂
so far for me, cc from maybank terbaik..benefit n all... the point is, when use cc, discipline is the key...
Be very careful with epp and ipp if u don’t have high enough income. Even though epp is 0percent, still monthly commitment. Ipp still ada interest.
FF method more to careful on spending and I think Ms Aznah punya method is a bit dangerous on how to utilize CC. Rasanya kalau gaji tinggi Aznah's method seems practical, depends how well you play the CC game.
It depends on ur emergency stash utk backup jugak...so we play the game ikot kemampuan masing2...tu je
Tiktoker favorit saya ni. Decide to own a cc because of her. 👍👍👍
very attractive guest we have today! thanks for sharing aznah
Ur welcome😊
pakai cc ni boleh guna under kemampuan jgn over dpd income . Displin tu yg penting.
Benda memang bagus. Contoh, I apply withdraw cash from my bank CC..charge per annum? waktu promo 3.88% instead off PL yang bagi 8%/annum untuk swasta macam I..but u cant apply smpai 20k la sebab dia depend on your Credit limit.
True...semua mende yg melibatkan CC goes back to how much is ur Credit Limit
last year around december MBB ada buat balance transfer 0%, campak semua RHB dgn CIMB punya CC balance ke MBB 🤣
Terbaik macam biasa best podcasts 👌 with amazing special guest with in depth info, doesn't matter if its niche or not both are great info
kad kredit ni hati2 jangan bayar min balance sbb interest mahal ok... tak silap everyday ada caj interest ..so end of the month bayar full, make sure kita tahu akhir bulan tu boleh bayar kredit kad yg kita swipe.. aman hidup, tapi kena ada kredit kad ute mudahkan kita nak travel or takut nak bawa duit cash banyakk..
aku ni ada 1 je..rasa mcm myesal pun ada.. senang sgt terpengaruh beli itu ini
Terima kasih Aznah & Faiz kongsi perspektif kredit kad 👍🏼 bru fhm knp org guna! Kena tgk kad mana sesuai dgn lifestyle saya dan bayar statement balance setiap bulan 💰
masa2 miskin mmg ada juga, 15 dollar untuk satu akaun, makan sikit lebih buka akaun lain, akhirnya mmg dapat juga 100usd sehari, kadang lebih 200usd sehari. bila setelah tempoh tertentu, apa ye kenalan lama? janagan mintak lost? ye le.. lama sanagt dah tak lost ni. takut juga.. opss.. cerita pasal akaun dagangan, bukan kredit card ye.
Lamaaa saya takut buat CC until blajar dalam small circle yg pndai fully utilise CC..so far i hv 2 cc. As beginner though im still juggling..agreed with Tuan FF & Pn Aznah..n yeah kena rajin belajar dan baca TnC...Duit bank in the CC tu mcm pisau..if u careful guna pisau, inshaAllah tak terluka. Or mybe luka sikit and heal well..(sometimes the bleeds tu kita masih boleh tahan sbb superficial cut..) if u understand what i mean
True...I have superficial cut all the time...hahaha
Boleh cadangkan cc ape yg sesuai
@@langgarlari1990Review kt Ringgit Plus
Apa pon kalau otak tu dah ada pemikiran dah pinjam mesti bayar, insyaAllah takda isu bangkrup atau terlebih guna atau kes tak mampu bayar. Bila niat dalam hati asyik nak amik kesempatan dan tak nak bayar, memang susah la. Sampai kiamat memang berhutang je la.
no regrets punya style this lady.. haha.. good for you. as long swipe with knowledge, everyone is gooooddd..
i dont think twice....🤣🤣🤣
From FF jugak la smpai skrg sya dah ada 3 CC and stiap CC ada benefits 😂.. berbanding guna debit yang xde apa2 benefits pun. Yang penting pandai manage duit je and bayar on time before due date.
😊 👍 If can, master jugak apa tu Balance Transfer, IPP, EPP n Quickcash supaya u tau camna nak handle large purchases.
aku dulu siap buat bisnes kecil-kecilan supply barang kat universiti guna credit card.. untung dapat , xperlu guna duit sendiri & dapat kupon pasaraya AEON, tebus blender Tefal, bekas air Thermos & etc.. tapi sekarang tak dapat dah.. kenangan..
We're the same FF.. tak suka contract lama lama with telco. Got my phone on EPP too..
Terima kasih azah,u really have change my life ❤. I tgk semua video u dkt tiktok pasal cc. Keep continue to educate people on credit card
Ur welcome...happy to contribute something back...wlpn masih ada org Xpaham2🤣
thanks to aznah and faiz for being able to tell me meaningful information. Untuk saya yang baru nak naik umur, nak pergi ke dunia dewasa ini banyak membantu. tq you both again.
Ur welcome😊
Terima kasih Puan Aznah share cheat code pakai kredit kad. Sebelum ni pakai bayar petrol dengan groceries je. Banyak lagi benda boleh buat lagi rupanya. Terima kasih untuk ilmu yang bermanfaat Tuan Faiz & Puan Aznah.
Ur welcome...actually bukan cheat code pun. It is there since the very inception. Masalah org kita ni suka momokkan benda yg diorg Xtau 🤣 Padahal mcm2 CC boleh buat...tp part bankrup tu jugak yg nak dicanangkannya...haha
Satu perkara yg perlu disimpan dlm kepala ialah jika kita mati tiba2.. Siapalah yg akan bayar hutang dan instalment tu nanti. Jual assets semua ambik masa berbulan2. Bank chargers tetap jalan. Family tinggal apa nt. Walaupun ada emergency fund.. Cukup ke cover semua hutang dan instalment tu. Hidup biarlah moderate. Dah tua boleh hidup sendiri tanpa mengharap anak2.
Perancangan kewangan yang baik = ada takaful cukup untuk tutup semua hutang.
@@FinancialFaiz tu kaedah no2.. Yg pertama lifestyle perlu moderate. Lepas tu apa yg you nak buat beli takaful ke, travel ke.. Boleh sgt jika hutang di minima serendah boleh. Lifestyle yg sy maksudkan yg besar ye seperti pembelian rumah, renovate rumah, kereta mahal.. Tu semua liabiliti not asset. Asset bagi you cash flow. Bukan asset selagi you byar loan ke atasnya, byar maintenance dan insurance setiap tahun.
Chill..sbb tu perlu ilmu. CC ni boleh subscribe to credit shield. Sme mende dlm dunia ni ada solution. tggl u nak belajar or not je
@@aznahabas242 betul tu, sy pun ambil takaful untuk lindung saya sekiranya berlaku apa2 dan hutang cc akan dibayar oleh takaful.
Aah underutilized 3rd card eying untuk online shopping pulak belum ada card for every purpose tapi kalau sampai 12 card tu shopping apa tak boleh bayang perlu 12 card coverage. Limit tinggi bukan untuk EPP ke split installment bukan untuk swipe max
Sy suka EPP tp yang sayang nya masih banyk kedai2 besar mcm pembekal hardware masih belum kenal apa itu EPP
mereka kena bayar fee itu sebab tak mahu.
Merchant x minat cc sbb diorang kena tanggung bayaran untuk penggunaan kredit card tu. Dari pening pale nk main harga tu baik diorang tolak je.
setuju dgn aznah sbb sy punya CC life lebih kurang 🤣👍🏼
still apply some good inputs from FF too
so get best of both opinions hehe
terima kasih FF keep up the good work educating ppl 👍🏼👍🏼
End of the day we know what is our capacity😊
Pengunaan credit card bg saya more on dapat points utk reedem items, also benefit kalau di airport utk Lounge but i pay my credit card on time . Ada benefit guna CC but mesti disiplin dan belanja perkara yg perlu not kehendak..
Boleh je klu nak pki utk kehendak...klu u Xguna utk kehendak it is up to u..lain org lain persediaan kewangan dia. How they view the risk is also diff. Yg penting ilmu tu. U tau ada mende lain yg wujud dlm CC tu...Xpakai ke Xperlu pakai ke lain citer
How to apply other bank credit card?
Sebab dah apply kat bank lain, mostly tak lepas, tapi credit card yg gaji masuk, dia offer jer credit card, which dah ada.
Tapi nak try juga guna other bank credit card juga for their benefit (like RHB shell visa) atau balance transfer et cetra.
Salam puan Aznah boleh ke buat juga video di TH-cam. Sbb mungkin ada orang lebih suka tngk youtube daripada tik tok. 😄
nope, youtube sangat susah nak cari audience. Tiktok is killing youtube, better fo for new market (tiktok)
xde mase nak edit2...sbb tu Xde TH-cam. Busy kat office 🤣
Tiba2 Aznah kata malas nak bayar postpaid punya phone bil. Penyelesaian adalah adalah buat autobil semua bil kepada kredit kad maka setiap bulan hanya perlu bayar credit card sahaja. Lambat komen sebab baru hari ini tengok video ini.
Betul...mmg I malas to that level. Dah arr pki postpaid, tu pun autobill.hahaha
One of your best podcast….both people are very informative and Energetic… must say good combination for credit card..
Tuan Faiz, tolong tanya kpd guest berapa peratus pendapatan bank komersial secara puratanya daripada transaksi kad kredit ? Soalan kedua, sezalim mana bank2 komersial utilise kad kredit fasiliti utk memaksimum keuntungan harian ?
This info u blh google je Interchange Fee Visa/Mastercard...berbeza ikot jenis transaction. Pastu dlm satu bank, org selalunya pikir duit dr side Issuing saja, lupa bahagian Acquiring. That term klu u berminat nak tau I rs u blh Google gak n try pahamkan. Finally, bank Xzalim...kita klu Xpaham something n Xboleh disiplin dengan pembayaran sendri, jgn salahkan org 'bank' in this case. CC can really be cheap. 0% EPP, 2-5% per annum for Quickcash/Balance Transfer, 7-9% for IPPs in general or typical 18%p.a or sebenarnya 1.5% per month. Ramai org sebenarnya XRETI GUNA PEMBAYARAN CC YG LAIN...pastu dengar drpd org yg salah n kata CC ni mahal. So yeah...blame it on lack of knowledge n stop blaming the bank.
a very good sharing and thanks to FF for this podcast.
Sya Pon ada 8 cc,setiap ada kegunaan,3 Dari 8 cc,adalah infinite,memang berguna masa travel,Dan sya guna cc untuk pusing duit bisnes,memang berbaloi,Dan ada yg jadi jutawan guna cara ni,termasuk saya😎
Please spill a little bit of the tea sir 🙇🏻♂️🙇🏻♂️
i pernah dpt airpods from ringgitplus from applying hsbc card.. it's legit. and yep i pun jenis yg selidik sekejap tapi yakin nak beli benda. but i only have 2 cards la guna balance transfer lepas kahwin, 1% fees je
Camtulah cara org reti pki CC pakai their CC 🤣👍
Idk who she is but so far based on podcasts, she doesn't seem to give advise worth remembering. Most of it are bad advises or for those not in working class. Just saying, no hate yet still interesting podcast.
I only remember her laughing LoL
Good sharing 👍🏻 thanks for educating. Tapi ads lama sangat. Pilih yang sikit boleh tak? Tanak skip nak korang dapat duit dari ads
here for the knowledge from two pros. tq guys.
Saya pegang 9 cc dari 6 bank 😂
Saya dapat Cashback lebih kurang rm2000 setahun 😅
Cc bank apa ya?
bdk generasi skng mmng ckp mcm ni ke ek. lain tanya lain dia jwb. smpai kesudah aku tunggu ape kelebihan yg dia maksudkan tu.
Generasi sekarang??? Kitorg sebaya je...ur referring to who? 😂
Sekarang dah banyak buy now pay later cuma shoppe pay tu ada limit la ikut cara kita guna.
Banker and credit card user perspective on credit card usage is totally different.
Ok bro ni user perspective. Aku pakai 5 cc. Setiap cc benefit lain. Last month dapat dalam 500 ringgit lebih cashback. Kene pakai dan plan betul2 baru maximise benefit. Kalau pakai ikut tekak je mmg tak jadi apa.
byk tu bro@@kamalyazid4291 rm500.. sy max average rm110 je cashback sebulan kad apa tu ?
banker well verse dengan product dia, so they know how to manipulate the facility for their own benefits. user credit card boleh je buat camtu, just get the knowledge je.
jaga CC is my day job...mmg lah I pikir cara lain naturally🤣
it was a great sharing thank you,,, @@aznahabas242
really differs alot from us ,,the way of our thinking and spending habits... learn something new about balance xfer and maximizing cc benefits... will dig more info on my cc product to compare...
thank you so much , keep up the good work.
43:09 totally agree jalan terus jangan hirau toxic people 😊😊..iam happy this episode 😊😊thanks mr faiz and mrs aznah😊😊
Luckily me and my wife not a big spender...have alot of savings and assets and when we enjoy, we enjoy to the fullest...duit boleh cari but not guaranteed sampai bila2
Thank you sir, one of my favourite topic to listen and take knowledge finance
nice aznah...thanks for sharing on how should we managing CC as average personnel
Ur welcome 😊
tq for the podcast❤
tq aznah abas. terbaik sharing ni
Asalkan tracking kau kau boleh je. Yang guna straight bayar tu mereka mungkin takut lose track.
Klu diorg tau baca statement, Xloose track 😊
@@aznahabas242 bukan macam tu juga. Dia lose track for whole month, pastu bila statement datang dah overspend. 😅
My style gak - everything I spend I track la, statement datang bayar minimum + additional ikut hati. Confirm no issue.
@@goldfriesBalance Transfer ada, 0%EPP ada, IPP ada, Quickcash ada klu u terbabas....tggl nak pakai n tau pakai bila saja 😊
Inciteful podcast , learnt a lot from both ... really appreciate the info .... Be A MAN!! gonna share this podcast!!
very helpful knowledge. start with 1 cc now dah berani ada 4 cc. really help my finance when hujung bulan takde duit makan 😂. so far tak kena interest lagi. just pay your statement bank on time srs
memang perlu missy dalam ECONOMY SKRG
Sy pkai 3 cc.. bnk islam mybnk cimb.. gna utk colect point je 😂
Thanks a lot for this! Btw, what’s the best way to gain the knowledge to manage your finances for beginners? I am a fresh graduate and will be starting my first job soon.
I've been using atome and success to pay all the debt at my age 22 y/o last year(using debt card)
I never interest about CC before, and after seeing this podcast make me want to know the differrences using atome and EPP CC.
Now, my question is to pay cc is that the same way as atome which requires us to pay for the next month in the same date we purchase?
Or cc accumulate all the epp amount and need to pay it at the end of the month?
CC have a designated due date. It is not 'end of the month'. Follow the date.
pling best CC ez nk tracę expenses kita monthly
Love this podcast. Thanks for the informative sharing 👍🏻👍🏻
😄 ur welcome
Sy pernah sangkut masalah cc cimb almost 10k. Alhamdulillah dh sattle. Boleh share cc mana yang menarik?
How?
I'm not trying to put her down or anything, I believe she's a wonderful lady. But I can't stand the way she speaks. With the giggling in between sentences I can't comprehend what kind of point she's trying to make. I know it is her personality or whatever but it's not the right way to be in a podcast. It ain't Tiktok.
Sorrylah..cant help it. It is just me 🤣
T20 boleh je nak buat apa2 - then pakai la CC berapa pun dia boleh bayar
Definitely admire aznah
betul sangat part 45:12
I know why she gave that advice on the last part. Maybe it's because she received many complaints from wives who have irresponsible husbands who can't manage finances properly and do a lot of unlicensed loans. Genuinely thank you for making this podcast and this is a good sharing. Again to all men out there, learn to manage finance before marryingrying someone. It's your responsibility.
And women only makan nafkah without having any responsibility 😂
@@nani_bow3489 Yeah and it's your job as a man to give her nafkah. Don't be childish about it.
They dont complain...its just that most of my haters n lack of financial literacy comes from...men 🤣 not trying to generalize but that I what I face on a daily basis. Most ladies are more receptive and wanna learn more. So I wonder, how they manage their family financials with than kind of mentallity.
@@aznahabas242 I 100% agree with you. And that situation happened to my mother and it's freakin depressing to see my 48yo mother working until 2am till 3am to cover bills etc. I can't be rude to my father because of his messes but my mother inspired me a lot on how she keeps working and maintaining her mental health. Thank God for her existence right now I'm working well and I am capable of helping her.❤
Based on this experience, I learned. A man who loves complaining is the laziest.
Hi FF, saya bercadang nak sign up credit card utk more rewarding for any of my particular spending. Saya ternampak this one ads “guaranteed RM800” when you apply CC via us. Saya rasa, instead of saya mmg dah kene byr my monthly commitment mcm biasa dan yg tader cashback or reward sgt. Better sy apply & byr guna credit card which is much rewarding. Boleh percaya x eh iklan2 suruh apply credit card camtu?
i think u nmpk dr iMoney, RinggitPlus or CompareHero...semua tu legit sites tp u kena baca TnC. Semua syarat dlm TnC..biasakan membaca benda2 mcm ni.