Kad kredit..Perlu ambil tak?_Credit Card..should I apply?

Sebenarnya, tak susah pun nak ‘jaga’ kad kredit. Bila guna, make sure tolak tepi siap2 gaji next month untuk bayar. Yang jadi bahaya bila korang tak bayar lah. Kalau korang tau memang korang tak kuat iman nak bayar balik, JANGAN ambil.

Kad aku apply time tu RHB travel. Best gak kad ni. Minimum spending RM50. Maknanya, kau guna tak guna..dia akan deduct RM50. 

Btw, benda2 ni, diorang TAKKAN bagi tau time korang apply. Yang salespeople tu sibuk gebang adalah free tu..free ni…FREE #$%...so they sort of distract you from the important things you should know. Tapi, dah tu kerja diorang. Tak salahkan pun. But that doesn’t mean I’m not entitled to be mad at them. Standard benda kena amek tau:

Q. Berapa annual fee diorang?

If diorang cakap free, bul@#$%. Mana ada benda free. Tanya lagi, berapa kalau lepas tahun2 dapat free sebab normally tahun pertama tu je tak bayar. Tahun seterusnya ikut bank. Ada yang tak sampai RM100. Ada yang lebih RM300.

Q. Berapa minimum spending?

Ni yang aku maksudkan, kau guna tak guna still dikenakan caj tu. Biasanya bank akan waive untuk pengguna pertama. Oh ya, rasanya aku ada call service centre diorang. Bila dah bebel2, rasanya diorang ada bagi cash back untuk aku time tu dengan syarat belanja lebih dari RMXXX.

Q. Berapa kadar keuntungan bank kalau tak bayar hutang bulan tu?

Ni pun diorang akan sembunyikan nilai selagi mana boleh. Aku pun tak faham kenapa. Sibuk nak bagi free gift yang tak seberapa.

Anyway, maksud disini ialah jika kita bayar penuh, takkan ada apa2 caj dikenakan. Tapi kalau hutang tu dibawa ke bulan seterusnya, diorang akan kenakan % tertentu ke atas baki hutang. Senang cerita, hutang korang akan bertambahlah. 

Hahaha…nilah yang orang kata bahaya kad kredit.

Q. Berapa maksimum nilai kad kredit boleh guna?

Ni biasanya bergantung pada gaji pokok. Darab dua. Tapi ada bank yang bagitau direct berapa. Mcm RHB aku dalam RM5000 kut. Ntah. Belum pernah sampai maksimum.

Bulan ni aku nak cancel yang ada sekarang. Kenapa? Ntah. Saja. Hahah. 
Yelah... tak plan pun nak pakai lama2. So far ok je pakai kad ni. Cuma tak puas hati kena annual fee padahal masa call mula2 dulu dia kata boleh waive sampai 3 tahun.

Nanti iolls update proses nak cancel. Somehow I think it’s gonna be a tough one.

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Belum cancel yang lama, dah apply pun kad lain pada 21hb Mei kat Mid. Jangan kecam saya. Huhuuu..

Seperti biasa, benda pertama that they’ll shove in your face is the free gift. Aku cakap awal2 pun taknak. Sebab aku nak tau benefit je tanpa ada sembunyi apa2.

Yang menariknya, they actually had the nerve to take it back after seeing my kwsp slip pastu cakap “kan akak cakap taknak tadi?”. S%&# kau.

Sebab apa diorang amek balik? Sebab diorang kata nilai layak dapat free gift bodo hanya jika caruman bernilai RM330 dari company. Tapi aku cuma RM319.

See?? This is where I meant by ketidakjujuran. Memanglah aku cakap taknak. Kalau mcam tu, kenapa bukan main lagi orang lalu lalang cakap free gift..free gift?? Jangan bagi harapan palsu pada orang ramai.

I really don’t like this nature of business. If memang dari awal tak layak, cakap je. 
Tak hadap pun lunchbox Angry Birds tu lah!...

So far, diorang pun sama je. Aku tak habis tanya…terus jawab FREE. Kemonlah, jawab jelah betul2. Nasib baik memang aku nak apply. 

Kad yg baru apply ni annual fee dia RM250. Tapi kalau guna 12 swipe setahun boleh waive. Apa lagi yang lain eh? Lupa sudahh.. Rasanya kalau belanja RM250, dapat cashback RM50. Pastu application kalau kerja gov leceh sket. TBC

Victoria Jackson Spray Foundation & Beauty Diary

Last week jalan-jalan Alamanda. Pandai plak si Yahya promoter kat Watson tu pancing kami. Sebenarnya tak berminat mana pun dengan barang Victoria Jackson. Tapi kali ni lain sikit. Sebab masa dia mekapkan Fedit, it was the first time I've used such a product. So, dah tergugat di situ. 

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So...the above post was drafted like 1 year ago. Produk pun dah habis guna. Botol dah buang dah. Hahah. Kritikal betul dah tak update blog lama gila. Anyway, I'll just explain a bit about my purchase if my memory serves well. 

It's basically a foundation. But in really liquid form. So you have to spray it on your face. Then use a brush to blend it on your face. It's a bit pricey, but I think I got a discount that day. Oh..and the GST hadn't been implemented yet that time (see how long ago it was??). So dapatlah bawah rm200. I think around Rm160-170. 

Verdict: 

Not so Good = The bottle was too small compared to the price. So since it's a spray foundation, it pretty much didn't take me that long to finish it. I suppose that's a record coz all my other foundations sampai sekarang tak habis2 lagi. =P

Good = I totally loved it. The colour tone was perfect, it didn't make my face dry or itchy, and the spraying was an added bonus. 

---- i think there was a picture of it somewhere. i'll try to find it later lah. lol-----

Anyway, the Beauty Diary was bought several months later. Berapa ek harga..tak ingat. I think it's around rm220-230. There was this (sort of) discount that time. 

I was actually looking for a fun-sized yet complete make-up pallete. So since I've bought a VJ product before, so my search somehow leaned towards that brand. Coz I'm no make-up guru. I depend on the experiences of friends, the power of promotion, and the persuasion skills of beauty/shop assistants. 

Good = It has every basic thing u need. Blush, bedak, eyeshadow, etc. If you're in a hurry and can't find where you stashed that lipstick or blush of yours, just pick this up and you're ready to go.

Not good = the mascara was dried out. the brushes were too rough and its bristles were sticking out everywhere - something like Kylie's brushes in the beginning. They should have it fixed. Even the powder puff started decaying after a while. It's not like I left it out in the hot sun or anything. Berus dan span bedak sangat berkualiti rendah.