Lowyat.NET: Latest topics by shirokeen

can pay car loan with credit card?

shirokeen — Fri, 29 Mar 2013 21:21:55 +0800

can I pay my cimb hire purchase instalment using a credit card? if I go to cimb counter to pay this hire purchase loan with my credit card (hong leong card)

can??

p/s: can I pay other personal loan using a credit card ?

income tax got or not

shirokeen — Sun, 24 Mar 2013 09:57:14 +0800

can any banks in malaysia find out if i got submit or file for income tax, if i dont provide income tax form to them? especially if i apply for house loan?

i never submit till now, and LHDN people never contact or even send me letters to file income tax.
i got car loan for few years already and some personal loans.

How to check who deposit cheque into my account

shirokeen — Fri, 22 Mar 2013 13:56:09 +0800

Last month, i saw my maybank savings account statement and saw that there is rm3,500 cheque in my account. I dont know who deposit this cheque and never informed me. How can i find out who is the issuer of this cheque, or how to know from which bank/what account number and name of the cheque? Will take very long time to know? Why my statement did not stated the cheque owner?

Go AKPK or 0% EPP Balance Transfer

shirokeen — Fri, 08 Mar 2013 17:54:50 +0800

My friend was in huge debt because of his credit card debt of over RM25k. i dont know how to help him, because i not sure which is better. either go for AKPK counseling / debt management or get some services such as 0% Balance Transfer EPP 36 months payment ?

His card is already overlimit his RM22k, but debt to RM25k because he did temporary credit limit increase and unable to pay on time. the letters of demand from banks are given.

how is it? he did not have a regular job, and he's already 59 years old. he used most of his card to support failed business he ventured with some friends.

please help.

i heard AKPK will reduce the bank interest to max 9% if enrolled into debt management process with repayment structure of max 10 years (120 months only), but given if his can pay extra a month, wouldnt it be better if he can do 0% balance transfer EPP for 36 months instead?? what is the better decision??

p/s: credit card already overlimit. he got a house property fully paid, not sure if he can re-finance that house because of his age, no occupation..etc.

will i get caught?

shirokeen — Tue, 05 Mar 2013 22:01:42 +0800

i happen to find out from another forum flyingspaghettimonster.com and approach the loan agent that promise i can get 99% personal loan/credit card application approval. he happen to ask me to pay upfront rm1k first for him to prepare some documents for me to submit to the bank. i tell him to help me apply for credit card first, because he said personal loan upfront is quite high. then he prepare docs and i submit to more than 5 banks in malaysia for credit cards.

all the docs include modified payslip with very high salary rm10.5k WORK as company director . all fake income. i went to apply last year december, all the credit card rejected.

banks are very strict and i dont know if they reject because they found out i frauded. what will happen? will i get caught by the police? till now there's nothing bad happen. how about the 'company' that i work for in the income payslip? they also will fraud/bankrupt that company also?