RE: [balita-anda] Testimonial : Kenapa Kartu kredit BNI.......
Silahkan baca artikel dari Yahoo! Finance berjudul "Credit-Card Hazards and How to Avoid Them" yang ditulis oleh David Bach (31/01/2006): "Being a realist, I know credit cards are here to stay. So you should learn the techniques credit-card companies employ to maximize their earnings from you -- and use that knowledge to avoid the many pitfalls unwary borrowers tumble into." Selengkapnya silahkan buka attachment CCHAZARDS.TXT -Original Message- From: Muhammad Nur [mailto:[EMAIL PROTECTED] Sent: Friday, September 15, 2006 3:57 PM To: balita-anda@balita-anda.com Subject: Re: [balita-anda] Testimonial : Kenapa Kartu kredit BNI... mau ngingetin aja.. bijaksanalah dalam pemakain kartu kredit.. jangan sampe terjebak dengan pembayaran minimum.. WASPADALAH.. WASPADALAH.. :) *dikirim-5-cc-gratis-tp-ga-pernah-dipake* cheers- The Automatic Millionaire -- Credit-Card Hazards and How to Avoid Them by David Bach Tuesday, January 31, 2006 Credit cards are a wonderful convenience, but they can also be financial quicksand if you don't know how to use them properly. Unfortunately, most of us don't. Overall, American families have an average of 7.6 credit cards each, and consumers as a whole owe around $800 billion in credit-card debt, which works out to more than $9,000 per card-carrying household. No wonder only 4 out of 10 card holders manage to pay their bills in full each month. Being a realist, I know credit cards are here to stay. So you should learn the techniques credit-card companies employ to maximize their earnings from you -- and use that knowledge to avoid the many pitfalls unwary borrowers tumble into. Minimum Payment, Maximum Pain The big secret of the modern credit-card industry is that issuers of plastic are in no hurry to see you pay off your debt. In fact, they make a lot more money if you make only the minimum monthly payment. And they're smart enough to know that if they ratchet down the minimum amount due low enough -- say, to around 2.5% of the total balance, which is where it's been lately -- you'll keep spending money, and they can make a fortune on you. It's not in card issuers' interests for you to understand that if you borrow $10,000 on your credit cards and pay only the minimum payment with an interest rate of 19.98%, it will take you more than 37 years to get out of debt -- and before you do, you will have forked over nearly $19,000 in interest charges. The government has been pressuring the card companies to raise their monthly minimums. As a result of the recently enacted Bankruptcy Abuse Prevention and Consumer Protection Act, many will be raising them to 4% this year. But this, by itself, this won't solve the problem. If you're carrying a balance on any of your cards and don't want to be paying through the nose, you should still make a point of forking out more than the minimum payment. Your goal should be to pay at least twice the minimum every month. Assuming you aren't being charged an outrageous interest rate, you should be able to pay off your balance in less than five years just by doing this. So do it! Late Fees' Bite Here's another secret. Issuers of plastic don't really mind it when you're late making a payment because there's big money in collecting late fees. Indeed, according to R.K. Hammer Investment Bankers, a California credit-card consulting firm, more than 10% of the industry's revenue comes from late fees. And those fees can really hurt. Not only can card companies can charge you penalties as high as $39 a month if you're even one day late, they can also hike your interest rate. To make matters worse, many card issuers have been shortening the time they give you to make a payment -- shrinking it from 30 to just 21 days. This means you have to watch carefully for your bill and be sure not to be late. One way to protect yourself is to use your bank's online bill-paying service to schedule an automatic payment of double your current minimum amount due several days before your credit-card bill's deadline. If you find yourself missing the due date anyway, call the card issuer immediately and ask them to waive your late fee. Assuming you haven't made a habit of doing this, they will generally give you a grace period. (Just to be sure, get a name or confirmation number from the person you speak with and double check your bill the next month to make sure you weren't hit with a late fee or interest-rate hike.) Rates: Seek a Better Deal I've always maintained that it's not debt that's killing Americans, it's the interest they pay on it. Right now, the average rate on credit-card debt in America is around 13 percent. But that's just the average. Rates range as high as 40 percent annually. What can you do?
Re: [balita-anda] Testimonial : Kenapa Kartu kredit BNI.......
Selamat pagi Pak Nur, maaf baru balas nih. hehehe... iya worthed itu apa yah??? saya sendiri nggak tahu pak. :-) saya apalagi pak, kampungnya lebih jauh lagi di pangururan sana. :-) wah terima kasih Pak Nur, jadi diingatkan untuk minta bebas iuran tahunan, soalnya sebentar lagi perpanjangan nih. Bu Farah bisa kan diatur, hehehehe Regards, Boris -Papa Jemima- We must learn to live together as brothers or perish together as fools. -Martin Luther King, Jr. - Original Message - From: "Muhammad Nur" <[EMAIL PROTECTED]> To: Sent: Friday, September 15, 2006 5:17 PM Subject: Re: [balita-anda] Testimonial : Kenapa Kartu kredit BNI... 'Worthed' itu apa ya? bhs yunani kah? maklum wong ndeso... :) mbak Fara, gimana tuh masak udah sejak th2000 pake bni masih disuruh bayar annual fee.. ;) -- Kirim bunga, http://www.indokado.com Info balita: http://www.balita-anda.com Peraturan milis, email ke: [EMAIL PROTECTED] menghubungi admin, email ke: [EMAIL PROTECTED]
Re: [balita-anda] Testimonial : Kenapa Kartu kredit BNI.......
'Worthed' itu apa ya? bhs yunani kah? maklum wong ndeso... :) mbak Fara, gimana tuh masak udah sejak th2000 pake bni masih disuruh bayar annual fee.. ;) On 9/15/06, Boris S <[EMAIL PROTECTED]> wrote: iya betul sekali pak, itu sebabnya saya hampir tdk pernah transaksi nggak langsung dibayar full. lha punya kartu kan cuma utk cash flow supaya lebih mantap. (memang ada iuran setahun tapi worthed sih menurut saya yah) saya sendiri di laci ada 5cc gold yg dikirim gratis iuran thn pertama, tp tdk pernah dipakai krn sdh ada bni. Regards, Boris -Papa Jemima- We must learn to live together as brothers or perish together as fools. -Martin Luther King, Jr. - Original Message - From: "Muhammad Nur" <[EMAIL PROTECTED]> To: Sent: Friday, September 15, 2006 3:56 PM Subject: Re: [balita-anda] Testimonial : Kenapa Kartu kredit BNI... > mau ngingetin aja.. > bijaksanalah dalam pemakain kartu kredit.. > jangan sampe terjebak dengan pembayaran minimum.. > WASPADALAH.. WASPADALAH.. > :) > > *dikirim-5-cc-gratis-tp-ga-pernah-dipake* > cheers- > > > On 9/15/06, Boris S <[EMAIL PROTECTED]> wrote: >> >> Bu Farah, saya baru saja ngirim fax utk meningkatkan limit kredit, bisa >> dibantu nggak yah supaya di acc gitu. hehe.. :-) >> Thanks before. >> >> *yangsudahpakaiccbnisince2000* >> Regards, >> Boris -Papa Jemima- >> >> We must learn to live together as brothers or perish together as fools. >> -Martin Luther King, Jr. >> >> - Original Message - >> From: "Farah Fitri" <[EMAIL PROTECTED]> >> To: >> Sent: Friday, September 15, 2006 3:10 PM >> Subject: [balita-anda] Testimonial : Kenapa Kartu kredit BNI... >> >> -cut- >> >> >> -- >> Kirim bunga, http://www.indokado.com >> Info balita: http://www.balita-anda.com >> Peraturan milis, email ke: [EMAIL PROTECTED] >> menghubungi admin, email ke: [EMAIL PROTECTED] >> >> > > > -- > 'No Rest For The Best - Scorpion' > -- Kirim bunga, http://www.indokado.com Info balita: http://www.balita-anda.com Peraturan milis, email ke: [EMAIL PROTECTED] menghubungi admin, email ke: [EMAIL PROTECTED] -- 'No Rest For The Best - Scorpion'
Re: [balita-anda] Testimonial : Kenapa Kartu kredit BNI.......
iya betul sekali pak, itu sebabnya saya hampir tdk pernah transaksi nggak langsung dibayar full. lha punya kartu kan cuma utk cash flow supaya lebih mantap. (memang ada iuran setahun tapi worthed sih menurut saya yah) saya sendiri di laci ada 5cc gold yg dikirim gratis iuran thn pertama, tp tdk pernah dipakai krn sdh ada bni. Regards, Boris -Papa Jemima- We must learn to live together as brothers or perish together as fools. -Martin Luther King, Jr. - Original Message - From: "Muhammad Nur" <[EMAIL PROTECTED]> To: Sent: Friday, September 15, 2006 3:56 PM Subject: Re: [balita-anda] Testimonial : Kenapa Kartu kredit BNI... mau ngingetin aja.. bijaksanalah dalam pemakain kartu kredit.. jangan sampe terjebak dengan pembayaran minimum.. WASPADALAH.. WASPADALAH.. :) *dikirim-5-cc-gratis-tp-ga-pernah-dipake* cheers- On 9/15/06, Boris S <[EMAIL PROTECTED]> wrote: Bu Farah, saya baru saja ngirim fax utk meningkatkan limit kredit, bisa dibantu nggak yah supaya di acc gitu. hehe.. :-) Thanks before. *yangsudahpakaiccbnisince2000* Regards, Boris -Papa Jemima- We must learn to live together as brothers or perish together as fools. -Martin Luther King, Jr. - Original Message - From: "Farah Fitri" <[EMAIL PROTECTED]> To: Sent: Friday, September 15, 2006 3:10 PM Subject: [balita-anda] Testimonial : Kenapa Kartu kredit BNI... -cut- -- Kirim bunga, http://www.indokado.com Info balita: http://www.balita-anda.com Peraturan milis, email ke: [EMAIL PROTECTED] menghubungi admin, email ke: [EMAIL PROTECTED] -- 'No Rest For The Best - Scorpion' -- Kirim bunga, http://www.indokado.com Info balita: http://www.balita-anda.com Peraturan milis, email ke: [EMAIL PROTECTED] menghubungi admin, email ke: [EMAIL PROTECTED]
Re: [balita-anda] Testimonial : Kenapa Kartu kredit BNI.......
mau ngingetin aja.. bijaksanalah dalam pemakain kartu kredit.. jangan sampe terjebak dengan pembayaran minimum.. WASPADALAH.. WASPADALAH.. :) *dikirim-5-cc-gratis-tp-ga-pernah-dipake* cheers- On 9/15/06, Boris S <[EMAIL PROTECTED]> wrote: Bu Farah, saya baru saja ngirim fax utk meningkatkan limit kredit, bisa dibantu nggak yah supaya di acc gitu. hehe.. :-) Thanks before. *yangsudahpakaiccbnisince2000* Regards, Boris -Papa Jemima- We must learn to live together as brothers or perish together as fools. -Martin Luther King, Jr. - Original Message - From: "Farah Fitri" <[EMAIL PROTECTED]> To: Sent: Friday, September 15, 2006 3:10 PM Subject: [balita-anda] Testimonial : Kenapa Kartu kredit BNI... -cut- -- Kirim bunga, http://www.indokado.com Info balita: http://www.balita-anda.com Peraturan milis, email ke: [EMAIL PROTECTED] menghubungi admin, email ke: [EMAIL PROTECTED] -- 'No Rest For The Best - Scorpion'
Re: [balita-anda] Testimonial : Kenapa Kartu kredit BNI.......
Mbak kalo transfer balance syaratnya apa di bni ? - Original Message - From: "Farah Fitri" <[EMAIL PROTECTED]> To: Sent: Friday, September 15, 2006 3:26 PM Subject: Re: [balita-anda] Testimonial : Kenapa Kartu kredit BNI... > hehe, aku juga minta maaf ya mba,, > nulisnya juga sambil cengar cengir kok mba... > > *peace* > > On 9/15/06, Renny <[EMAIL PROTECTED]> wrote: > > > > oppss sorry, mbak.. gak ada maksud buat nyolot... cuma pengen tau ajah > > promo yg menarik itu sampai kapan.. gitchu lho sorry kalo mbak salah > > persepsi jumat gini gak mau berantem, mbak.. hehehe... biasanya tuh > > jumat happy day... > > > > smile... > > > > - Original Message - > > From: "Farah Fitri" <[EMAIL PROTECTED]> > > To: > > Sent: Friday, September 15, 2006 3:10 PM > > Subject: [balita-anda] Testimonial : Kenapa Kartu kredit BNI... > > > > > > > dear mba Reni. > > > karena semua Bank Issuer gak mungkin kerjasama dengan pihak merchant > > untuk > > > jangka waktu selamanya mba... > > > hehe jgn nyolot dong mba,, kalo gak minat.. > > > namanya juga hari OOT. > > > > > > parents.. berikut testimoni salah satu rekan BA, mba yesi... > > > sejak pake CC BNI.. > > > tuk mba yesi.. thx alot ya > > > > > > Setelah bertahun-tahun ogah apply kartu kredit, ternyata setelah apply > > > BNI card banyak fasilitas yang kita dapatkan sehingga transaksi dapat > > > kita jalankan dengan mudah. > > > > > > 1. Bunga ringan 2.55% tapi kalau kita bayar on time gak masalah juga. > > > 2. Biaya tarik tunai murah 4% or min 10rb. Sedang bank lain biasanya min > > > 40rb. > > > 3. Ada fasilitas dana plus, alias transfer ke rek temen or saudara tp > > > gak repot. > > > 4. Bisa bayar telpon debet dari kartu. > > > 5. Transfer balance mudah dan cepet. > > > > > > dan semua via phone, kita gak perlu fax.. dan repot2... lagian juga > > > ada mbak Farah :):):) jadi kalau ada transaksi yang gak bener tinggal > > > lapor aja ke Ibu farah :):) > > > yesi: aku sih merasakan kemudahan aja dengan bni.. > > > > > > mba intan dima : > > > CC BNI ku juga yg bantu mbak farah lgsg :D > > > memuaskann > > > tiap abis transaksi pasti besoknya beliau lgsg reconfirm ke aku via buzz > > > di > > > yahoo messenger > > > jadi berasa ada mata2. ntar kalo beli barang2 terlarang ketauan > > > lagge > > > hehehehehe > > > becanda dink mbak... bukan ngerasa ada mata2, tapi ngerasa ada yg > > > merhatiinnn bgt. > > > > > > > > > > > > On 9/15/06, Renny <[EMAIL PROTECTED]> wrote: > > >> > > >> kenapa kartu kredit BNI ??? kenapa gak cantumin promo discount tsb > > >> sampai > > >> kapan juga?? > > >> > > >> > > >> > > > -- > > > Farah Fitri > > > http://www.babiesonline.com/babies/s/salmarifaputri/ > > > > > > > > > > > -- > > Kirim bunga, http://www.indokado.com > > Info balita: http://www.balita-anda.com > > Peraturan milis, email ke: [EMAIL PROTECTED] > > menghubungi admin, email ke: [EMAIL PROTECTED] > > > > > > > -- > Farah Fitri > http://www.babiesonline.com/babies/s/salmarifaputri/ > -- Kirim bunga, http://www.indokado.com Info balita: http://www.balita-anda.com Peraturan milis, email ke: [EMAIL PROTECTED] menghubungi admin, email ke: [EMAIL PROTECTED]
Re: [balita-anda] Testimonial : Kenapa Kartu kredit BNI.......
wow Pak Boris loyal customer harus dpt special treat dong... pls share ur cc number ke saya ya pak... Japri... i'll do my best FF On 9/15/06, Boris S <[EMAIL PROTECTED]> wrote: Bu Farah, saya baru saja ngirim fax utk meningkatkan limit kredit, bisa dibantu nggak yah supaya di acc gitu. hehe.. :-) Thanks before. *yangsudahpakaiccbnisince2000* Regards, Boris -Papa Jemima- We must learn to live together as brothers or perish together as fools. -Martin Luther King, Jr. - -- Farah Fitri http://www.babiesonline.com/babies/s/salmarifaputri/
Re: [balita-anda] Testimonial : Kenapa Kartu kredit BNI.......
hehe, aku juga minta maaf ya mba,, nulisnya juga sambil cengar cengir kok mba... *peace* On 9/15/06, Renny <[EMAIL PROTECTED]> wrote: oppss sorry, mbak.. gak ada maksud buat nyolot... cuma pengen tau ajah promo yg menarik itu sampai kapan.. gitchu lho sorry kalo mbak salah persepsi jumat gini gak mau berantem, mbak.. hehehe... biasanya tuh jumat happy day... smile... - Original Message - From: "Farah Fitri" <[EMAIL PROTECTED]> To: Sent: Friday, September 15, 2006 3:10 PM Subject: [balita-anda] Testimonial : Kenapa Kartu kredit BNI... > dear mba Reni. > karena semua Bank Issuer gak mungkin kerjasama dengan pihak merchant untuk > jangka waktu selamanya mba... > hehe jgn nyolot dong mba,, kalo gak minat.. > namanya juga hari OOT. > > parents.. berikut testimoni salah satu rekan BA, mba yesi... > sejak pake CC BNI.. > tuk mba yesi.. thx alot ya > > Setelah bertahun-tahun ogah apply kartu kredit, ternyata setelah apply > BNI card banyak fasilitas yang kita dapatkan sehingga transaksi dapat > kita jalankan dengan mudah. > > 1. Bunga ringan 2.55% tapi kalau kita bayar on time gak masalah juga. > 2. Biaya tarik tunai murah 4% or min 10rb. Sedang bank lain biasanya min > 40rb. > 3. Ada fasilitas dana plus, alias transfer ke rek temen or saudara tp > gak repot. > 4. Bisa bayar telpon debet dari kartu. > 5. Transfer balance mudah dan cepet. > > dan semua via phone, kita gak perlu fax.. dan repot2... lagian juga > ada mbak Farah :):):) jadi kalau ada transaksi yang gak bener tinggal > lapor aja ke Ibu farah :):) > yesi: aku sih merasakan kemudahan aja dengan bni.. > > mba intan dima : > CC BNI ku juga yg bantu mbak farah lgsg :D > memuaskann > tiap abis transaksi pasti besoknya beliau lgsg reconfirm ke aku via buzz > di > yahoo messenger > jadi berasa ada mata2. ntar kalo beli barang2 terlarang ketauan > lagge > hehehehehe > becanda dink mbak... bukan ngerasa ada mata2, tapi ngerasa ada yg > merhatiinnn bgt. > > > > On 9/15/06, Renny <[EMAIL PROTECTED]> wrote: >> >> kenapa kartu kredit BNI ??? kenapa gak cantumin promo discount tsb >> sampai >> kapan juga?? >> >> >> > -- > Farah Fitri > http://www.babiesonline.com/babies/s/salmarifaputri/ > -- Kirim bunga, http://www.indokado.com Info balita: http://www.balita-anda.com Peraturan milis, email ke: [EMAIL PROTECTED] menghubungi admin, email ke: [EMAIL PROTECTED] -- Farah Fitri http://www.babiesonline.com/babies/s/salmarifaputri/
Re: [balita-anda] Testimonial : Kenapa Kartu kredit BNI.......
Bu Farah, saya baru saja ngirim fax utk meningkatkan limit kredit, bisa dibantu nggak yah supaya di acc gitu. hehe.. :-) Thanks before. *yangsudahpakaiccbnisince2000* Regards, Boris -Papa Jemima- We must learn to live together as brothers or perish together as fools. -Martin Luther King, Jr. - Original Message - From: "Farah Fitri" <[EMAIL PROTECTED]> To: Sent: Friday, September 15, 2006 3:10 PM Subject: [balita-anda] Testimonial : Kenapa Kartu kredit BNI... -cut- -- Kirim bunga, http://www.indokado.com Info balita: http://www.balita-anda.com Peraturan milis, email ke: [EMAIL PROTECTED] menghubungi admin, email ke: [EMAIL PROTECTED]
Re: [balita-anda] Testimonial : Kenapa Kartu kredit BNI.......
oppss sorry, mbak.. gak ada maksud buat nyolot... cuma pengen tau ajah promo yg menarik itu sampai kapan.. gitchu lho sorry kalo mbak salah persepsi jumat gini gak mau berantem, mbak.. hehehe... biasanya tuh jumat happy day... smile... - Original Message - From: "Farah Fitri" <[EMAIL PROTECTED]> To: Sent: Friday, September 15, 2006 3:10 PM Subject: [balita-anda] Testimonial : Kenapa Kartu kredit BNI... dear mba Reni. karena semua Bank Issuer gak mungkin kerjasama dengan pihak merchant untuk jangka waktu selamanya mba... hehe jgn nyolot dong mba,, kalo gak minat.. namanya juga hari OOT. parents.. berikut testimoni salah satu rekan BA, mba yesi... sejak pake CC BNI.. tuk mba yesi.. thx alot ya Setelah bertahun-tahun ogah apply kartu kredit, ternyata setelah apply BNI card banyak fasilitas yang kita dapatkan sehingga transaksi dapat kita jalankan dengan mudah. 1. Bunga ringan 2.55% tapi kalau kita bayar on time gak masalah juga. 2. Biaya tarik tunai murah 4% or min 10rb. Sedang bank lain biasanya min 40rb. 3. Ada fasilitas dana plus, alias transfer ke rek temen or saudara tp gak repot. 4. Bisa bayar telpon debet dari kartu. 5. Transfer balance mudah dan cepet. dan semua via phone, kita gak perlu fax.. dan repot2... lagian juga ada mbak Farah :):):) jadi kalau ada transaksi yang gak bener tinggal lapor aja ke Ibu farah :):) yesi: aku sih merasakan kemudahan aja dengan bni.. mba intan dima : CC BNI ku juga yg bantu mbak farah lgsg :D memuaskann tiap abis transaksi pasti besoknya beliau lgsg reconfirm ke aku via buzz di yahoo messenger jadi berasa ada mata2. ntar kalo beli barang2 terlarang ketauan lagge hehehehehe becanda dink mbak... bukan ngerasa ada mata2, tapi ngerasa ada yg merhatiinnn bgt. On 9/15/06, Renny <[EMAIL PROTECTED]> wrote: kenapa kartu kredit BNI ??? kenapa gak cantumin promo discount tsb sampai kapan juga?? -- Farah Fitri http://www.babiesonline.com/babies/s/salmarifaputri/ -- Kirim bunga, http://www.indokado.com Info balita: http://www.balita-anda.com Peraturan milis, email ke: [EMAIL PROTECTED] menghubungi admin, email ke: [EMAIL PROTECTED]
[balita-anda] Testimonial : Kenapa Kartu kredit BNI.......
dear mba Reni. karena semua Bank Issuer gak mungkin kerjasama dengan pihak merchant untuk jangka waktu selamanya mba... hehe jgn nyolot dong mba,, kalo gak minat.. namanya juga hari OOT. parents.. berikut testimoni salah satu rekan BA, mba yesi... sejak pake CC BNI.. tuk mba yesi.. thx alot ya Setelah bertahun-tahun ogah apply kartu kredit, ternyata setelah apply BNI card banyak fasilitas yang kita dapatkan sehingga transaksi dapat kita jalankan dengan mudah. 1. Bunga ringan 2.55% tapi kalau kita bayar on time gak masalah juga. 2. Biaya tarik tunai murah 4% or min 10rb. Sedang bank lain biasanya min 40rb. 3. Ada fasilitas dana plus, alias transfer ke rek temen or saudara tp gak repot. 4. Bisa bayar telpon debet dari kartu. 5. Transfer balance mudah dan cepet. dan semua via phone, kita gak perlu fax.. dan repot2... lagian juga ada mbak Farah :):):) jadi kalau ada transaksi yang gak bener tinggal lapor aja ke Ibu farah :):) yesi: aku sih merasakan kemudahan aja dengan bni.. mba intan dima : CC BNI ku juga yg bantu mbak farah lgsg :D memuaskann tiap abis transaksi pasti besoknya beliau lgsg reconfirm ke aku via buzz di yahoo messenger jadi berasa ada mata2. ntar kalo beli barang2 terlarang ketauan lagge hehehehehe becanda dink mbak... bukan ngerasa ada mata2, tapi ngerasa ada yg merhatiinnn bgt. On 9/15/06, Renny <[EMAIL PROTECTED]> wrote: kenapa kartu kredit BNI ??? kenapa gak cantumin promo discount tsb sampai kapan juga?? -- Farah Fitri http://www.babiesonline.com/babies/s/salmarifaputri/
