2010预算案：政府强制银行收信用卡Service TAX!!

暂时名字

卡都不管政府事，都不是他们发出的卡，卡主也不是他们的客户，他们竟然要收服务费。

kimhaolian

若真的要charge 應該會剪掉全部的卡只剩下一張渣打的justone卡，
畢竟給的消費 cash rebate一年下來都有白多塊以上

預計銀行會紛紛推出更吸引人的cash rebate 來留住顧客

takiz

根本就是打抢, 信用卡我是肯定一张都不想要的啦, 反正也没那么有钱消费, 还要给它charge酱够力:@

ray34

打抢 打抢 打抢 打抢 打抢

S|Lv3R$taN

原帖由 Man^Utd-Fan 于 24-10-2009 07:05 AM 发表
真的猪脑方案。。。

~~~调高申请新卡的min requirement。。。不是更好。。。~~

这已经不是新鲜事了。

S|Lv3R$taN

原帖由 Man^Utd-Fan 于 24-10-2009 07:05 AM 发表
真的猪脑方案。。。

~~~调高申请新卡的min requirement。。。不是更好。。。~~

这已经不是新鲜事了。

blackfish84

偶会把卡剪掉

Sephiroth83

是不是说我DA卡有master和visa就要给RM100？
DA卡可不可以给我们cut掉一张其中卡？

现在连debit card都要给RM50吗？

vannice

这样那些原本要给年费的，但每年打电话去要求waive的，需要给吗？
我有一张ambank的Imagine卡，以前是要给年费的，但是后来不用了。需要给这个服务费吗？？？？
还有我最爱的Direct Access。。。。。。

唔留手

原帖由 spp 于 23-10-2009 06:09 PM 发表
DEBIT CARD 也收, 会不会过份呢!!!!

原帖由 Sephiroth83 于 24-10-2009 02:50 PM 发表
现在连debit card都要给RM50吗？

只是Credit卡和Charge卡中招而已，Debit卡和PrePaid卡沒有啦。
如果連它們也被拖下水的話，低收入者早就跳出來反了！:@
況且現在Debit卡正在逐步的取代ATM卡，哪會被搞？！
借記卡和預付卡可不是先洗未來錢，都是刷自己戶口內的血汗錢啊……。

Eunicecyw

其实也不必怕啦，这两天银行一定接有关于那50块的电话接到手软，试想想要是众多的持卡人一起剪卡，银行的口袋会有什么后果所以到最好，还是会化险为夷的啦。

慢行车辆靠左

所有持卡人现在得万众一心，大家先选一些不怎么想要的卡，先拿这些来砍，让银行知道持卡人的反应，看他到最后要不要帮他本身的客户搞掂这笔费用。

cheekhoon

真的是倒退的做法！！
malaysia boleh :@ :@

湖俊

原帖由 唔留手 于 24-10-2009 16:42 发表


只是Credit卡和Charge卡中招而已，Debit卡和PrePaid卡沒有啦。
如果連它們也被拖下水的話，低收入者早就跳出來反了！:@
況且現在Debit卡正在逐步的取代ATM卡，哪會被搞？！
借記卡和預付卡可不 ...

到底挂帐卡是什么意思

今天的南洋说挂帐卡是=debit card。。炸到

jacky29

我的看法是全部人一起剪卡，到时候如果有转机材帮蚊妹申请.

唔留手

原帖由 湖俊 于 24-10-2009 06:49 PM 发表
到底挂帐卡是什么意思
今天的南洋说挂帐卡是=debit card。。炸到

《南洋商報》沒做功課！

簽帳卡(Charge Card)：　
簽帳卡一般被認定比信用卡更具身份表徵，擁有極高消費能力，其發卡之審核標準亦較嚴格，如大來卡、美國運通卡。而簽帳卡並非信用卡，其與信用卡最大之差別在於限制消費者的還款方式。在額度方面，簽帳卡在消費限額上頗有彈性，持卡人鮮有刷爆之現象，是常刷卡大筆金額之持卡人的最佳工具。其入會費及年費通常也比信用卡高出許多。在付款方式方面，簽帳卡必須於繳款期限內，全數繳清，不能像信用卡般，使用循環信用來延後部份款項之付款。

A charge card is a means of obtaining a very short term (usually around 1 month) loan for a purchase. It is similar to a credit card, except that the contract with the card issuer requires that the cardholder must each month pay charges made to it in full—there is no "minimum payment" other than the full balance. Since there is no loan, there is no official interest. A partial payment (or no payment) results in a severe late fee (as much as 5% of the balance) and the possible restriction of future transactions and risk of potential cancellation of the card.

In contrast, a credit card is a revolving credit instrument which does not need to be paid off in full; no late fee is charged as long as the minimum payment is made, which carries a balance forward as a loan charging interest. Many people are not aware of this distinction however, and often the two terms are used interchangeably to describe any card which can be used as payment.

Many charge cards have the option for users to pay for some purchases over time. American Express charge card customers, for instance, can enroll in the Extended Payment Option (internally referred to as EXPO) to be able to pay for purchases over $200 over time, or in Sign & Travel to be able to pay for eligible travel-related expenses over time.

Governments and large businesses often use charge cards to pay for and keep track of expenses related to official business; these are often referred to as purchasing cards. Some high-end retailers like Neiman Marcus issue charge cards to customers. Some American Express and Diners Club cards are also charge cards, rather than credit or debit cards like VISA and MasterCard.

In Europe, however, the MasterCard-affiliated Maestro brand replaced the European Eurocheque brand for payment cards in 2002. Many Eurocheque cards, particularly in countries like Austria and Germany, were charge cards branded with the Eurocheque symbol. In addition, the European Eurocard, issued as the competitor for American Express was, and in some countries (like in the Nordics) still is a charge card. Therefore, the majority of MasterCards in these countries still are charge cards. Visa charge cards are also available in Europe.

In 1914, Western Union offered the first charge card, which was printed on paper, for consumers. The first official Charge card was invented in 1957 by Frank McNamara, who called his card Diners Club. In 1959, American Express was the first company to issue embossed plastic charge cards.

crystal1234

原帖由 seeke04 于 24-10-2009 02:24 AM 发表
大家别忙着剪卡，看看银行有什么政策应对，距离1月1日还有两个月又七天。银行不会就此让纳吉得逞！！！几天后会有新消息！！

同意同意，银行不会袖手旁观，卡债是银行重要的收入~
这个可以造成我们的RM50损失对他们来说是几百万业绩的损失，就静观其变吧~

Saiduck

我国正在等待好小息哦
反正我才拿三张信用卡罢了

silvertower

奶奶的,我算一算也有7,8 张~
打算下个月再看看怎样,相信银行应该会做些动作,
不可能让所有人割卡吧...

VivianWong

原帖由 Eunicecyw 于 24-10-2009 04:45 PM 发表
其实也不必怕啦，这两天银行一定接有关于那50块的电话接到手软，试想想要是众多的持卡人一起剪卡，银行的口袋会有什么后果所以到最好，还是会化险为夷的啦。

今天听别人说，明年征收RM50服务税只是针对明年一月一日开始，申请到的信用卡者，将要每年收服务税而已。
而之前已经有信用卡的人，不用每年征收服务税。。
听他这样说，好像有道理。。因为拿基没说，已经拥有信用卡的人，要征收服务费

http://www.sinchew-i.com/sciWWW/node/121744?tid=416
（吉隆坡）為了鼓勵國人謹慎消費及減少日益嚴重的卡債問題，從明年1月1日起，所有免年費的信用卡及賒賬卡將征收主卡每年50令吉，以及附屬卡每年25令吉的服務稅。
首相拿督斯里納吉指出，服務稅將在信用卡發出、更新及每一年屆滿時征收。

从星洲日报里，只是说“從明年1月1日起，所有免年費的信用卡及賒賬卡將征收主卡每年50令吉，以及附屬卡每年25令吉的服務稅。”

http://thestar.com.my/news/story.asp?file=/2009/10/23/budget2010/20091023161104&sec=budget2010
* To promote prudent spending, a service charge of RM50 a year to be imposed on each principal credit card and charge card; and RM25 a year on each supplementary card, effective from Jan 1, 2010.

他没说existing credit cardholder。。。有效日期是明年1月1日起。。。
他的最终目的是不是不鼓励后辈申请太多信用卡？
这只是个人想法而已
希望我想的是对的。。那么我的信用卡不用付服务税了，嘻嘻

但。。。一切还是要等银行公布吧。。期待星期一

[ 本帖最后由 VivianWong 于 24-10-2009 11:11 PM 编辑 ]