Kad American Express! Kau ada? [Credit card] Kad kredit orang kayangan
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- Опубліковано 2 сер 2024
- Assalamualaikum! Ha kau orang ada tak credit card AMEX, American Express. Tak ada? Lemah. Actually bagus juga you tak rely on AMEX nanti I cerita kenapa. Apa lagi? Lets Jom! Ha bilalah nak dapat 200,000 subscriber ini ya. Entahlah, it is up to you guys kot sharelah video-video I dengan kawan-kawan you
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00:00 Intro
00:37 Apa tu AMEX?
01:01 VISA/MASTER vs Bank?
01:56 Processor?
02:18 Kenapa pakai processor?
04:26 Processing fees?
06:25 Kenapa AMEX tak diterima?
08:06 AMEX high charges?
09:01 Apa best pakai AMEX?
10:48 Bloopers
#financialfaiz #creditcard #americanexpress
Kad American Express! Kau ada? [Credit card] Kad kredit orang kayangan
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Dapatkan perlindungan diri dan keluarga!
Terima kasih tuan. Banyak benda baru saya belajar bila tonton video tuan.
Terbaik.... Financial Faiz always the best..👍
Dah lama cancel Amex ni. Menyusahkan je. Tujuan utama guna credit card ialah utk memudahkan berbelanja, tapi apa guna kalau banyak tempat tak accept amex. Benefits spt points rewards tu semua sampingan je dan sebenarnya adalah umpan dari bank utk kita berbelanja lebih. Sebenarnya bank dah kaji semua psikologi consumers ni.
Dh guna amex for more than 10 years, so far the best card.. dah collect points worth lebih RM3 ribu.. kat Klang Valley banyak jer kedai boleh pakai.. & servis fee 3% dulu2 jer ada dekat kedai2 kecik.. skrg dah tak de yg chrge dah to customers…
ye.. byk kedai even yg kecik pun takde charge to customer..
kt mekdi, beli sundae cone pun tu jer hrga dia. takde extra.. grocery stores pun..
tapi ada gak few still kata kena above 50 atau still ada 1.5 - 2% fees.. (kena aritu)
so tak sure why some still hv, some, even small stores takde..
Kiranya sekarang dah lebih mudah nak guna ke sebab saya baru approved je ni Maybank American Express. Huhu
Tumpang tanya, selalu tak terjadi tempat wave tu tak terima amex card ni?
Kedai yg guna maybank terminal accept Amex. Yg guna terminal Publicbank x accept amex
Amex ni kalau nak pergi kedai2 biasa memang susah sikit, tapi kalau travel booking biasa tak ada masalah dan banyak juga kelebihan dia sebab macam2 protection dapat. Level gold keatas sewa kereta pun ada extra accident insurance. Kalau platinum boleh masuk executive/business class suite dekat airport. Yang masak masa mula2 guna, tak dapat credit balance kena paid in full lah walaupun unlimited
Terbaik info FF
Penerangan yang jelas dan mudah hadam.. 😊.. kipidap
Kelebihan Amex, ade weekend cashback, kalau Maybank tu, dapatlah 5x treatpoints setiap pembelian. Jadi gunalah kat tempat yg terima Amex dan jgn lupa bayar hutang dalam masa ditetapkan (sebelum dikenakan interest).
Pakai Amex ni sign of prestige tagline dia yang paling laris 'don't leave home without it'
Dan jika beli wallet walaupun kat pasar malam mesti ada kad American express dalam tu 😎👍
AMEX mmg best bab dpt cashback dan treats point kalu pakai utk local transaction. Tp kalu pkai utk beli barang online kena hati2 sb pernah kena charge RM10 per transaction. Skrg x sure if fees tu masih ada sb dh jrg guna AMEX since jrg beli barang kat Hypermarket dh skrg.
tips psl amex:
1. kalau malas nk tny cashier boleh guna amex ke x, tgk je terminal dia. kalau ada logo maybank, inshaAllah boleh guna amex. kalau ambank/cimb/rhb, inshaAllah x boleh 😅
btw benefit yg maybank bg dulu² lg best dr yg skrg. rm50 x 12month = rm600 max. sy byk guna amex utk bills & petrol. grocery tu kdg². so x susah utk capai expense rm1000 sebulan
Good Info..thank you sir
Thank you for the knowledge about credit cards. Selepas berfikir panjang, andai mampu beli cash beli lah cash. Credit cards ni sya nmpk,elok guna bila time terdesak tngh x de cash. Tu personal opinion sya je lah.
You’re losing out on all the benefits by spending in cash. There’s a reason why wealthy people prefer paying with cards over cash. Only criminals like cash.
merchant SALAH kalau dia caj penggunaan kad ke atas pembeli, dan boleh dilaporkan kepada bank negara. sila laporkan ke BNM jika keadaan ini masih berlaku.
So far banyak pakai Amex dkt petrol ⛽️. Mostbof petrol pump terima. Which is , petronas , petron, bhp dan shell. Plus ada petrol point if guna Amex . Best guna Amex sbb bila redeem points Maybank Treats sentiasa banyak. Selalu redeem aeon , mcd voucher.
Bro klau pakai setel dpt point tak ?
Good financial knowledge. Thanks sir
Thank you Harith!
ooo. gitu. dan yup. panggil bank bumi, tesco, jusco dan esso. i also refuse to call them CIMB, Lotus, Aeon dan Petron ekekeke....
I like AMEX, not the charge card tapi kad kredit. Dah guna dari Amex conventional sampai la tukar ke Islamic under Maybank Ikhwan. Suka dengan points dia walaupun dulu lagi better dari sekarang.
Points dia skrg cuma 2x je kan? Ada kelebihan lain x dr pengalaman anda? Sbb sy baru approved kad yg sama. Baru nk tgok video ni haha
@@ankllkmjd2 so far lebih kepada points apabila membeli barang dari website luar negara. Yang lain biasa sahaja selain No Annual Charges.
@@deenshamshuri Dapat jadik pemegang kad hitam amex tu...bangga sungguh dengan gelaran anggota elite global...tapi nk beli kete baru jenama Malaysia memang diorang tolak mentah2 urusan jual beli kete tu pakai charge card tu...Honda, Toyota, Mazda, BMW, Mercedes dll tak pasti diorang terima ke tak kad tu...parking motor ex5 depan pintu masuk showroom Honda pastu tunjuk kad tu untuk urusan pembelian Civic Type R, takkan sape2 berani org dalam showroom Honda tu alihkan motor kita dan diorang takkan berani suruh kita alihkan motor kita tu🤣...penangan bangsawan dunia...
Point ikhwan amex vs ikhwan visa/mastercard sama je kan? Ke ada beza ye? Sy now mmg tukar ke ikhwan dari mbb2card sblm ni. Dan mbb beri amex tp agak sukar sbb ikhwan xdpt 2 kad mcm mbb2card (amex + visa/mastercard). Stay lak di luar klang valley, so agak limited utk kegunaan ikhwan amex ni disini. Plan mcm nk tukar ikhwan amex to visa/mastercard (jika benefit sama)
@@malyanahmazni134 tak pasti tapi ada downgrade dari AMEX yang asal iaitu Membership Rewards (MR). Dia ikut points Ikhwan.
Thanks financial ending video bnyk failed rupanya tp good video totally bro
Sbb ada cust yg bayaq guna kad amex td,jd sy lyn la video ni,nk tau jgk apa syrt untk memiliki kad ni..
bulan lepas baru buat maybank 2 card.. moga2 blh kawal emosi guna ke jln yg benar sahaja kikiki
Dulu pada tahun 90-an , Maybank pernah keluarkan execard .. pernah tgk logo kad ni kat merchant tp tk la sebanyak Visa & Mastercard . Kad kredit Jepun JCB pun ada jgk nmpak logo tp skang jarang nmpak dah.
Maybank execard tu pun dah tak dak dah skang ni..
Lg satu kad caj kayangan diners club 😁
Mmg padu AMEX kad tue...claim oversea flight senang2 je hehe
Pernah guna Amex dulu, dah cxl payah sekarang simpan Visa signature sahaja,jarang guna ,segan , terasa mcm guna buku 555 😂 guna bila nak dapat extra protection dan warranty
Hi Faiz, have been watching your video and it has been very insightful. Hoping you can share your thoughts on this RHB Smart Account (RHB Smart Campaign), a high interest Bank Account.
Ha. Betul la. Benefits. Tapi jarang guna
Saya tak kisah bayar annual fee AMEX sebab amex ni bukan sekadar credit card tapi more like club membership. Mana2 club membership pun biasa je ada annual fee.. kalau pakai credit card amex yang tak ada fee tu maksudnya dia product bank.
Good info
Dulu masa i kerja retail, Chinese customers mostly pakai amex dengan mat saleh. Ada sesetengan mat saleh tu card dorang macam material besi/aluminium. Nampak cool la. Macam orang have have 😂😂. Kita yang jaga cashier ni boleh la tumpang merasa pegang haha
black card kot, by invitation sahaja.
Dah beberapa tahun pakai amex 2 premier and amongst the benefit dapat redeem banyak flights dalam dan luar negara.
Yes AMEX mmg dapat 5 points locally. Tapi if nak spend overseas xperlu pakai amex pun xpe sbb visa pun dapat 5 points utk overseas spend. Tapi diorg caj lebih dari exchange rate therefore recommend utk tukar duit kt money exchange.
Utk AMEX 2 premier, groceries spending akan dapat 5 points walaupun pakai visa. Therefore xperlu pakai amex utk spend kt giant or tesco. Rasanya dah 3-4 tahun cmnie, sebelumni xdapat additional points klu spend for groceries.
Kekurangan amex ni dia xble wave. So mmg sentiasa kena masukkan pin so leceh sikit.
Another kekurangan dia x syariah compliance. Walaupun x pernah kena caj sbb sentiasa bayar full n on time tapi baru2 ni 2 kali hilang kad amex. To me that's a sign that I should change to Islamic card. Wallahu a'lam.
amex maybank da bleh wave bang, x tau la amex bank lain..
@@HafisUN kt Malaysia ni mane ade amex bank lain bang. Ade maybank je. Owh dah ble waive ke xtau plak. Lame dah x pakai amex semenjak hilang dulu. Kad yg dapat tahun 2018 dulu konpem xble waive.
Ada Amex yang islamic card bang, saya pakai Maybank Ikhwan Amex. One of the best card 👍🏼
@@deenshamshuri thanks for sharing. Baru cek tadi, in terms of points mmg xdapat challenge AMEX 2 premier yg conventional 😅
MBB Amex yg baru dah boleh wave (katanya laa) tapi try kat banyak merchant semua x boleh. Last2 pin jugakkk
Haha I like your video.
First time to this channel. Very informative. And audio sgt best. Sedap dgr
Thank you Robson. The good audio is recent improvement unfortunately. Took me a while
Saya asalnya pakai Maybank Amex Gold Islamik,lepas itu maybank naikkan taraf ke Amex Platinum Islamik.
Nak buka platinum amex tu brapa ye maximum
AMEX is my main card vs visa as user of 2 cards. one thing for sure, treats point as i only focus on 1 bank to max out the benefits in terms of point. secondly, 5% rebate which capped at RM50, so far every month i always get additional RM50 pocket money back. back then, i also always look for banks that give RM200 cash rebate for new applicant with conditions. this is a free cash to me, so why not? afterwards, no more swipe, wait for 1 year and cancel the card before being charged. hope Faiz can also do one episode how to get money from bank "FREE"
Standard chart bole dapat tuan
what card u use sir?
@@umarsulaiman1411 M2card
Good info bro
If cancel the card will it affect our ccris
even kalau 1% 2% cashback pun, kalau byk kali guna mmg akan nmpk reward dia, sapa jenis yg x kisah benda ni mmg rugi
Ada Amex since 2014. Tp jarang guna. Still suka guna visa as first credit card.
terbaikkkk layan podcast sambil drive pagi2
Same bro, layan jem pagi2
Thank you for the support Taufiq!
Tak banyak bank yg issue amex ni. Nak pakai pun limited. Kalau shopping kat kedai2 besar bolehlah. Benefit kad kredit pun tak sebesar macam kad kredit sebelum 2010. Ada je kad prepaid (bukan kad debit) yg fungsi mcm kad kredit boleh dapat cashback asalkan ada duit. Yg penting berbelanja kerana perlu bukan nak kejar cashback/points.
Rasanya kat Malaysia ni cuma MBB tak yang issue Amex?
Kenapa rambut belah tepi mcm "mr.hanafi"... apa2 pn good info ya bos... hahaha
Financiaaaaal......FAIZZZZZ!
As usual Soscili
Amex kad utama tp stgh tmpt xleh guna amex ni tpksa guna visa. Hrp byk lgi lah tmpt boleh guna amex ni lps tgk vdeo ni hehe
selain EPP credit card, ada jgk flexi/ezplus, etc. apa pandangan tuan faiz? sbb tak semua merchant ada EPP jadi kita convert payment card credit utk flexi/ezplus utk cover cash flow kita.
Haha. You got me dekat Tesco tu. Hahaha!!
Haha yes, I can never call it anything but Tesco
oo.. processor.. dulu kenal amd intel je.. pastu snapdragon, mediatek.. hehehe
Patut pening nak cari name kad tu ape smpai kena google jumpe kad tu sebijik baru tau name penuh die
😂🤣😂🤣😂🤣
Apa kelebihan Visa Dan Mastercard? Boleh video tak nanti?
Hi FF, boleh tak terangkan the implications of canceling a credit card on one's credit score? Saya ada baca yang dia akan downgradekan kita punya CCRIS
Baru je apply for maybank 2 card ni. Harap berbaloi utk kegunaan sy
I pakai amex MAYBANK utk collect point, kelemahannya bkn semua tmpt boleh pakai. Kelebihan berbelanja tak ingt dunia. 😂😂
Bru nak apply maybank 2 card, kat mana banyak x leh pakai ye
Kwn ada card mybnk adik beradik kembar ni.. Tp last2 x guna pun amex tu.. Suruh dia org terminate jek.. Pakai visa pun cukup da haha.. Hutang banyak2 nanti nak bayar xde duit payah hahah 🤣🤣😂😂
Tuan Faiz.. Boleh ulas tak pasal perkara loan car settlement.. dan rebate akan kita dapat. N berbaloi ke setelkn klo loan kereta bawah 20k. Terima kasih atas ilmu2 tuan berikan.
lepas ni start pakai amex la. selalu pakai visa ja.
Mr, Faiz, bass kurangkan sikit boss
Assalamualaikum.., boleh ulas pasal PR1MA, SKJP
Amex terbaik dah dpt redeem banyak benda ngan cash rebate dari dorg
Lebih prefer panggil tesco instead of Lotus's.
Lebih prefer panggil jusco instead of aeon. Haha3..
rasa pelik kalau panggil aeon utk pasaraya, sebab aeon tu lebih sinonim utk aeon credit. Sebab dah terbiasa sebut jusco dari dulu lagi
bank bumi, tesco, jusco, bp dan esso. xnk panggil diorang CIMB, Lotus, Aeon, BHP dan Petron ekekeke....
@@adiraemilee jaya jusco bang
@@revoltin85
_Saya Sebut JJ Jer_
Nampak sangat dah otai, ha ha
i think AMEX focus is in US, which is their main turf. AMEX is targetting afluent customers as they have much higher spending per card compared to VISA or MA. It is also a status symbol, as their most expensive charge card(Centurion) is by appointment only and comes with USD 10,000 annual fee.
Correct. Each companies have their target market, although sometimes it overlaps.
sy guna kad islamik..elak riba, elak benda subhah..insyaAllah, berkat ✌😬 hehehe.
Fhm tapi x brp fhm,maybe kena tambah baik mcm add video👍🏻
Assalamualaikum.. boleh tuan terangkan beza centurion blackcard dgn master card blackcard... dan mana yg lebih baik.. t kasih
Dulu aku pernah pakai kad Diners Club..bila Aku keluarkan kad tu, cashier tu kagum sebab Aku guna Diners Club kad..dia Tanya Aku study luar negara ke.... hahaha
Up to 1M subscribers.
amiin~ Thank you Hazeem
I get around rm150 every month from amex. Not sure what i did to get this much
Kalau nak jadi pengguna credit card yg responsible, guna lah amex charge card. Pay in full setiap bulan. Belanja ikut kemampuan. So dlm x sengaja, disiplinkan diri kita utk jd responsible. Sejak guna amex, dah terbiasa cc lain pun sy bayar full setiap bulan. Jgn bagi peluang bank collect interest
Tapi banyak ke terminal cc kat Malaysia ni yang kasi swipe AMEX?
@@FinancialFaiz kalau diikutkan tak banyak. Cuma kedai2 yg established dan barangan mewah yg biasanya accept. Guna utk travel boleh kata semua airline & hotel 4 bintang keatas accept. Telco semua accept. Major department store pun accept. Sy byk guna utk bayar bill & travel. Reward points dh guna banyak utk redeem flight & hotel.
Can merchant actually charge the 2% back to consumer? And can they impose minimum spend or can we as consumer report these incidents to authorities?
They aren't supposed to but no actions seem to have been taken against them
Best pki mbb card2card....tp dah potong sbb dia bkan islamic, cr kad lain😁
CS for Amex akan handle other processor jugak ke yeah? Just wondering. Sebab bila call Amex punya CS selalu macam lebih baik and professional dari others.
notices that
Saya suka AMEX. Reward dia berbaloi.
Klau hilang kad amex tapi bt kat luar negara camne erk nak apply kad amex balik?
@@sherlock8091 Pergi bank reapply. Maybank selalunya issue AMEX kat Malaysia.
U hope ada tpi kita tida pon
Amex terbaik.. klau nk thu support ke x.. tnya je pkai terminal ape.. klau maybank mmg support.. wajib 50cashbck tiap bulan
Apa yg saya tau mana2 merchant tidak boleh chrge percent dkt customer kalau bayar guna debit..not sure klau credit
_Saya Beli Telefon Guna Kad Kredit, Penjual Akan Mark Up Harga Dibandingkan Jika Saya Beli Secara Tunai. Bukan Sekali Kena Mark Up Harga - Sudah Empat Kali Saya Beli Telefon Dengan Kad Kredit Merchant Tu Mark Up._
Amex ada. The best.
11:03 Best part
Salam tuan, dlm masa 2 tahun PKP sy memang x bekerja. Alhamdulillah tahun 2022 ni sy baru dpt kerja. Sekarang sy plan nak menyimpan, apa saranan tuan utk sy menyimpan? Adakah terus buat asb financing atau ada cara lain?
Tak sesuai buat asbf skrg, interest bank tggi especially now post covid consumer inflation rate naik mendadak. Yang buat asbf 2019 onwards semua rugi sbb interest bank > dividend asb. Better u save in asb saving/ tabung haji for 1-year salary. Dah stable can try PRS/ unit trust.
@@namiera7097 terima kasih 😊
FF, just tanya. Ade tak bank yang provide Amex with islamic compliance. Tq.
Kalau kedai markup 3% adalah salah kalau kita report. Kalau tak salah saya.
Bank charge 3% ke kat merchant? Ke dia charge sbb customer ada outstanding. Dia buat duit 18% pa dari outstanding.
Macam mana nak apply amex?nanti story pasal amex black card and gold card dan perbezaan dia,golongan macam mana yang boleh apply,sy ingin tahu
Boleh apply kad Amex green, gold melalui maybank, tapi kad platinum/centurion Black tak boleh apply.. Amex akan pelawa anda utk pakai kad teratas mereka iaitu platinum dan centurion.. Tidak seperti bank lain dimana platinum boleh di apply.
Tuan FF. I selalu advise gen baru to avoid credit card w/pun the benefits are useful. Debit card is good enough. Am I doing the right thing?
I wouldnt say it is wrong, but more of a missed opportunity. I understand where you are coming from, you dont want them to abuse the credit card. However, I feel like that is akin to telling young children not to use the scissors in fear that they would poke themselves in the eyes. Scissors are great tools, wouldn't it be better that we tell them to use them, but guide them to be careful about it.
Going forward in life, I doubt they would be able to resist the CC offers, but if they had been guided by your wise self, they should be able to avoid the pitfalls. FF is here to educate, and we admit that nothing is inherently good or bad, it is up to us, including our wisdom to use something (ie. a financial tool) wisely
Alhamdulillah. Thanks for all the wise advice. Should have open up my way of thinking plus not to worry too much as probably they are more cautious than I do. Really appreciate your perspective thinking. Rasanya I am the one who need to evaluate my way of judgement at the new gen. Hat off to you bro!
@@adiraemilee Nice! Tq adi raemi.
hahaha. saya la orang yang rajin tanya cashier terima amex ke tak. memang obses pakai amex.
Lazada. I shop mostly kat situ, so memang amex je la
Dah terkena, MYDIN tak terima AMEX. Mujur ada VISA..
Terima la mydin baru belanja kat mydin guna amex.. kdg2 cashier tu xtahu.. aritu cashier siap tanya supervisor die tanya leh guna ke x
@@chacha9690 okok so lepas ni boleh try, harap2 depa terima la
Selain daripada credit card maybank yang two cards tu, apa lagi pilihan yg ada untuk dapatkan amex ya
I hold 5 of them.
Kad ni unlimited .....x ada limit .......ohhh bahaya ..pakai aduihhh
_Nasib Baik Saya Tiada Kad Ini. Semalam Kawan Nak Pinjam RM100 - Biasanya Kalau Saya Tidak Duit Saya Akan Keluar Tunai Daripada Kad Kredit.Tapi Sayang ...... Saya Sudah Tutup Kesemua Kad Kredit Saya. Saya Tidak Dapat Beri Pinjam Kepada Kawan Saya Itu._
Assalamualaikum tuan faiz..nak tanya..sy baru dapat cc maybank platinum ikhwan petronas minggu lepas..plan nak mohon yang hsbc amanah mpower tu pula untuk beli groceries dll..soalan sy:
1. Berapa jarak/ tempoh masa yang paling ideal untuk mohon 1 kad kepada kad yang lain?
2. Adakah sy perlu buka akaun simpanan di hsbc terlebih dahulu sebelum mohon cc tu?
Terima kasih.. 🤝
why u nak guna banyak creditcard ?
Banyak bank bagi free credit
Akm tuan. Betul ke boleh guna di luar negeri? Kawan saya ada beritahu, ada masalah untuk guna kad kredit visa drpd bank tertentu. Walaupun teorinya boleh. Cap harimau boleh. Boleh tolong jelaskan.
banks are concerned kalau card ni digunakan overseas and may block the spending. BEfore pergi overseas, call the banks first tell them you are going overseas, state the country, and state the dates you would be there... that should help. Better to call them while in Malaysia compared to terhegeh2 nak call the banks masa kat overseas lah kan?
I dah pakai malaysian-based CC while overseas banyak kali, no problem.
kedai2 yg charge extra 3% tu, legal ke buat mcm tu?
credit card ni financial trap, x cukup kaya nak pakai hahaha
Trap to some, tool to others. You just have to be smart about using it
@@FinancialFaiz i guess im not smart enough
@@gandalfthewhite2252 then, learn
Hahahaha tau sgt thread ape amex tu
hahah yes, i think dah version 3? hundreds of pages of user reporting this and that fuyyo
@@FinancialFaiz yes dah V3 , at one point Maybank removed the cashback and everyone band together to cancel the card or stopped using it for a year and they restored it back the following year . Power of the people.
Yeah power to the users. We have powers too as long as we band together.. companies are profit motivated, they are always looking for lubang to maximize their profits and they are well-coordinated given that they all work under the same... well, company
Saya nak tanya. Maybank 2 cards (amex n mastercard) tu bukan conventional ke? Sebab saya tanya maybank rep, dia cakap 2 cards ni takde yg Islamic card. Mohon pencerahan ya
Betul. M2 cards from maybnk x ada yg Islamic card. M2 cards from mybank cme ada yg cnventionl sje. U can check from M2U website the available cards for Islamic.
Tuan, tentang charges merchant tu, kedai tidak dibenarkan charge customer. Kalau kita buat report, kedai tu punya merchant machine akan ditarik balik dan di blacklisted.
Sure, theoretically. But practically?
@@FinancialFaiz yes i faham apa maksud tuan. Tp dlm video tuan ckp bnde tu mcm legal. So yg tu i xsetuju. Takut org terikut2 benda yg salah. Btw, i mmg follow your content sbb sgt2 informative n the way u explain sedap di dengar. Keep it up.
When I was younger I pun bengang gila benda2 ni. Tapi as I grew I just took it as a way of life, sebab I pernah report dulu2, macam takde apa2 je pun. So I became pragmatic, pergi kedai kecik je I terus mentally prepare nak pakai card or cash sebab the 2-3% tu mesti akan dichargeback punya
Thanks Hanafi for your support! Good to hear from my audience!
Aslm bang, tumpang tanya, amex ni orang kaya2 saja ka boleh pakai, sebab dulu belajar amex ni pakai dulu, hujung bulan bayar kalau tak salah 😅
Lotus (tesco) tak terima AMEX.
Visa and mastercard plebs 😭
Bro faiz, kalau pesara tentera makan pencen tiap2 bulan, selepas pencen kerja kilang...boleh ke carum kwsp selepas tu?
Boleh, ayah saya pencen awal polis lepas tu kerja kilang dapat pencen dapat carum kwsp
In order for you to get 100 after deducting 3%, you're gonna have to take 100 divided by 0.97, that brings you to 103.09, which brings you back to RM100 after duducting 3%
Tips: This is how business owners here should price their discounts!
i get what you mean. but that is too much maths for most people. so they just apply 3%, and take a little hit from the banks
bukan ke bank negara x allow merchant charge balik 3% dekat customer?
Enforcement X ada kot
Saya nak buat record dengan Bank dengan cara apply credit card, tapi untuk commission earner yang tiada EPF, adakah mereka layak untuk mohon? Mohon pencerahan,
Adakah anda pembayar cukai? Kalau bayar, insyallah boleh. Kalau tak bayar, 50/50
You boleh buat FD-pldging credit card. You deposit RM5k to the banks' FD, then you akan dapat CC dengan limit RM5k... FD dengan bank tu you akan dapat returns juga
@@FinancialFaiz this is one of the option jugak. Nk pakai asb pn boleh
@@adiraemilee hey thanks for the tip! Learn something new everyday
Aik, upload subuh2 ka?
Ko takpayah sibok lah.. Subuh ka isyak ka..
Bangga betul MR.Bean bila byr guna kad American express AHAHAHA
oh yes I remember that.. probably should have added that in the video if I had remembered!
Baju baru bos
ada dua baju je. baju biru kemeja, baju biru t shirt