信用卡債務重組
信用卡債務重組
我们提供信用卡分期付款设备
-0%利息分期付款长达36个月
-银行利息一年18%减至6%，100%批准
-每个月利息低至0。5%
-0%预借现金收费
-免手续费
-以上还款手续全对回你本身的银行
(不想因信用卡债务而破产，我们可以给你更低的利率和摊还时间)
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如何知道自己的信用卡還能不能做信用卡重組：
1. 信用卡一定要Active 已經被bar的不能 如果有3張卡 1張被bar了 不過2張還Active就還能做.
2. Available Limit一定要有超過20% 比如說Limit是RM10,000 A/L一定要RM2000以上.
3. 如果你有3張卡 A卡的A/L 剩下2% B卡的A/L還有30% 那么可以用B卡來cover A卡不夠的Limit.
信用卡貸款 Credit Card Installment Loan
條件跟信用卡重組一樣 請參考信用卡重組的3個條件
Process/流程
信用卡重組
需時大約3-5個工作天
-第1天 EPP公司會clear off你信用卡的debts
-第2天 等銀行clear payment (有些銀行會拿1-2天時間來clear payment )
-第3天 Process然后給回卡你
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How it is work?
Case Study 1
| Bank Card | EON Bank Berhad |
| Credit Limit | RM20,000 |
| Total Outstanding | RM16,000 |
| Available Limit | RM4,000 |
| Purpose | Restructure credit card |
| EPP Amount | RM18,000(up 90% of credit Limit) |
| EPP Tenure | 3 years |
| Interest | 22% |
Calculation 1
EPP Amount = RM12,000 / (100%-22% )= RM15,384(<RM18,000 so can do it)
Monthly Installment = RM15,384/36 months = RM427 (payment to EON Bank’s direct every month)
Minumum Payment = RM50
Case Study 2
| Bank Card | EON Bank Berhad |
| Credit Limit | RM20,000 |
| Total Outstanding | RM16,000 |
| Available Limit | RM4,000 |
| Purpose | Restructure credit card |
| EPP Amount | RM18,000(up 90% of credit Limit) |
| EPP Tenure | 3 years |
| Interest | 22% |
Calculation 1
EPP Amount= RM16,000 /(100%-78%) = RM20512[> RM18,000 (overlimit), must pay some amount first)
Amount need to pay
= RM18,000 x 22% = RM3960
= RM18,000 – RM3,960 = RM14040
= RM14040 – RM16,000 = -RM1,960 (restructure fee that need to pay to company)
Monthly installment= RM18,000 / 36months = RM500 (payment to EON Bank’s direct every month)
Minumum Payment = RM50
Case Study 3
|
Bank Card |
EON Bank Berhad |
|
Credit Limit |
RM20,000 |
|
Total Outstanding |
0 |
|
Available Limit |
RM20,000 |
|
Purpose |
Cash Advance (RM10000) |
|
EPP Amount |
RM18,000(up 90% of credit Limit) |
|
EPP Tenure |
3 years |
|
Interest |
22% |
Calculation 1
Restructure Amount= RM10,000 /(100%- 22)% = RM12,820
Interest= RM12,820 – RM10,000 = RM2,820
Monthly Installment= RM12,820/ 36months = RM356 (payment to EON Bank’s direct every month)
Minumum Payment = RM50
普遍的问题：
我的卡Limit RM5000 用了RM4800++ 还能做吗？
答：不能 A/L要有最少20% 或有其他的卡有A/L可以Cover
重组后是还钱给谁？
答：银行
为什么利息那么高？
答：EPP的利息和普通贷款的利息不一样 请参考#2
那不是变成不是银行赚我利息 是你们公司赚我利息 你们不是很好赚？
答：利息你是给定了 问题是给多或给少 不赚钱的生意没人做 没薪水拿的工没人做
银行知道我做重组后会不会不开心没有钱赚，会不会Blacklist我？
答：除非你自己跑去跟银行说 不然银行没空理你 你不还钱它就Blacklist你
你还钱的话它还Blacklist你那么是它不想活了
我做BT比重组划算 重组利息比BT高
答：BT是慢性毒药 只要你有足够的Limit就可以每个月转来转去不用自己一分钱来还钱
当你的卡还有Limit可以BT 当然会比较划算 当你BT到Limit也没有的时候 什么也做不到了
利息:
| BANK | 12MONTHS | 24MONTHS | 36MONTHS |
| EON | 20% | 22% | |
| MBB | 20% | 27% | |
| RHB | 20% | 24% | |
| PBB | 20% | ||
| HSBC | 13% | ||
| HLB | 13% | 22% | 30% (CO) |
| OCBC | 24% | ||
| AMB | 20% | 27% (CO) | |
| ALB | 22% | 32% | |
| SCB | 20% | ||
| CITI | 13% | 33% | |
| CIMB | 13% | 36% (CO) | |
| MBF | 15% (CO) | ||
| UOB | |||
| BSN | 20% | ||
