Kuyhwon Tay Kuyhwon Tay Author
Title: 你必须了解卡债的事项
Author: Kuyhwon Tay
Rating 5 of 5 Des:
What Will Happen If You Do Not Pay Your Credit Card? 如今申请信用卡的资格已经没有那么严谨,所以人人都有能力持有信用卡。不过就因为这样造成很多人...
What Will Happen If You Do Not Pay Your Credit Card?

如今申请信用卡的资格已经没有那么严谨,所以人人都有能力持有信用卡。不过就因为这样造成很多人只会刷卡,却不懂如何计算利息。

在使用信用卡消费时,你可享受约20天的免利息期,但若你没在这20天内还清卡债,只支付部分欠款,则会损失掉免息期。在20天后,银行将开始计算利息和Late Payment Fee。若您没还清卡债,即便所欠数额只是区区的40仙,就会损失掉免息期,而且还要支付利息。这笔利息将反映在您下个月账单内。

记住!信用卡利息将以拖欠的天数计算,拖越久,你所需偿还的利息越多。以Maybank 的 年利率来看是18%。在计算利息的时候需要把拖欠的数额乘以18%,再乘以拖欠的天数,除以365天。Maybank 的 Late Payment Fee 是1%,或最低 RM 10,最高RM 100。

例子:拖欠RM 1000的话,就需要多缴付RM 10的Late Payment Fee,再加上利息。

以一个最简单的例子来看:

拖欠数额:RM 1000
拖欠天数:25天
利息:18% p.a.
Late Payment Fee :1%

RM 1000 X 18% X 25天 / 365天=RM 12.33+RM 10(Late Payment Fee)

这只是大概计算的利息和Late Payment Fee。

这里整理出一个列表,让大家看清楚如果你没有如期还卡债,那么卡债是如何雪球般越滚越大,甚至压垮你的。接下来本站将会为大家撰写一篇更详细的信用卡利息计算方式。




Time Overdue
Action Taken
30
Charges – (Outstanding + Interest + Late Payment Fee);
CCRIS would reflect a late payment of one month; Friendly service call from the banks to make payments
30天至60
Total first month charges + Second month charges (if any) + Interest + Late Payment Fee;
CCRIS would reflect a late payment of two months; Letter from the bank to make payments; Card will be blocked
60天至90
Account gets transferred to Card Collection Centre; Letter of demand is issued
90天之后
Bank may outsource to debt collection agency
最终决定
Bank may choose to take you to court which could lead to bankruptcy (provided amount owing is more than MYR 30,000)



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