HSB.. crEdit CArD sO dangeROus aaA

[zephyr3d]

dude.. u owe ppl money.. u return the money to ppl.. dont make a big fuss over it. As simple as that.

 

[ace79]

it's sad lah, even banks nowadays go for this strong - arm tactic. why allow those who earn less than 2k to apply for credit card? and now, Uni students can also apply? anyway, if they do send some of these thugs to your home, and actually start doing something that's threatening to you or the ones in your house compound, you can actually whack 'em back. it's under 'encroaching private property' law bro. you can make a police report, under harassment from the bank's contracted employee. if the bank call you to retract the report, tell them to stop the stupid tactic and just send you a letter, undersigned by the local court of law.

 

[ace79]

best way is just don't apply one, unless you are earning more than 2.5k ( for singles ) and over 4k for those who are married. why, budget lah. and if u got one, don't use it unless what you're purchasing with the card is REALLY necessary and that you know, you can afford to pay the bank back. that is why some rich ppl do not use a CC, it's one of the reasons that can make u go bankrupt...

 

[Tohsan]

got MY HSB..Cr/card fr 3 yrs already and Miss my payment fr 3 months

1.As usual got phone call
bank : hi this is Mr.. u juz miss yr payment fr 3 mth when u can pay
me : ok will pay soon

2. As usual not paid yet
bank : hello this Mr.. u still dun pay yr card so got to cancel yr card
me : ok juz cancel it
bank : will send yr name t bmc,bank negara then to bla bla yr name will be blacklist
me : ok ok juz do what u got to do

3.As usuall still not paid huhuhu
witout intro
bank : wei i just take over yr case why u dun pay aa,when u wan to pay
me : whos on t line
bank : this is mr....when u wan to pay?
me : ooo Mr....from hsb..bank .... ok will pay soon got no money la boss, got to pay this n that
juz send me a court letter n i will answer to court .dun need to call me anymore
bank : u better pay this week or...
me : or what sir
bank : you'll see ..better pay aa

4.As usual cannot Pay maa n feel fed up already
then they start threatening,use harsh word..Like Ahlong calling everyday
bank : wEI u still dun pay
me : ya lo no money.n said before will wait ur court letter
bank : if u dun pay by today will come to yr office and send someone to yr house..you'll see
me : Waa so rude aa u..dun la its not yr money i own juz tell yr boss this customer cannot be contact end story laa..i juz wait yr court letter
bank : wait aa tomorrow come to your place
me : ok ok u can anytime u like but i refer if u can come by office hour AND dun bREAk iN aa or i will call t police..
baNk : GRRrrr pot pet pot,bla bla bla

wHAt should i do wHen they ComE
1.Serve them coffee everytime they come
2.Juz let them wait ouTside
3.Smack DowN n WaCaa them
4.CaLL yr frieND and LaUgh,gOt stupid Maroon ouTside


MOraL of StoRY
DUn MISS yR crEDIt CARd payMENT
esPeciaLLY HSB.. caRD
HUhuhu

i don owe them money but i hold their card, i call up to cancell my credit card thru their customer service. The next day one lady call up ask me not to cancell cardla,give me better creditla,fees waived all the fucking crabloh. Then i tiu-kau her for the lousy way of demand payment,one day late they call me up 10 times for total amount of RM50.56. I tell her straight they are arrogant and their way of demand money is worst then gangster. i already use their card for more than 10 years and the credit limit sama saja never increase wasting my time nia. :angry_smile:

lucky i don have much cash problem,most purchases i use cash oni.

 

[zephyr3d]

best way is just don't apply one, unless you are earning more than 2.5k ( for singles ) and over 4k for those who are married. why, budget lah. and if u got one, don't use it unless what you're purchasing with the card is REALLY necessary and that you know, you can afford to pay the bank back. that is why some rich ppl do not use a CC, it's one of the reasons that can make u go bankrupt...

ace... let u earn 20k per month also no use if u dont know how to control your expenditure...

i have a friend whom earns easily more than 7k ... plus some side businesses, but do u know how much is his credit card debt? itz 30k++ ...

i asked him b4... why dont he just clear his debt everymonth instead of paying minimum payment... he replied... pay all for wat? next month also no money.. sure swipe more.. same thing.

but dont he know it is different? coz every month u pay minimum, and spending style remains the same.. sure bankrupt la.. no matter how much money he earns also not enuf to cover back the debt.

some ppl really dont know how to think..