星期一, 8月 21, 2006

信用卡

信用破產的開始
自說自話 <一隻熊> @ 10:03 下午

8 Comments:

Blogger 欣架打鳥人 said...

u should set up word verification in your blogger account, so as to prevent software agents from putting up advertorial comments!

What is brunei's regulation on credit cards? anybody can apply and up to banks to decide whether to approve, or is it like singapore, where govt set a certain min income level that banks must follow?

22/8/06 5:18 上午  
Blogger 一隻熊 said...

汶萊跟新加坡的管制十分相似,或者可以說是一模一樣的﹗

軍人,警察,公務員,石油公司員工,私營企業,外勞,各有各的年收入標準。 跟新加坡一樣是政府訂下的﹗

蒐集所有收入來源,譬如銀行戶口簿 (我們會檢視最近三個月你是怎麼個花錢法),呵呵,再來就是看你的月薪,欠債,身份證,工作證(外勞),和約,總結所有一切,計算機敲它個一兩下,算算大人您的 DIR ratio,偶們大概就知道您老人家有沒有資格成為最新一代的卡奴﹗有潛質的我們遞交上去 credit approval side,讓他們做最後的決定﹗

兩國之間的管制基本上應該大同小異,不同之處就有勞新加坡朋友來做個comparison.

23/8/06 7:36 上午  
Blogger 欣架打鳥人 said...

網誌管理員已經移除這則留言。

24/8/06 4:49 上午  
Blogger 欣架打鳥人 said...

不同之處 is in singapore, government say only those earning min of $30,000 per annum can apply for a credit card. And each bank can issue only max credit of twice of monthly income. Bank will of course use their own computation to judge exactly how much to give depending on occupation, past history etc, but the govt sets the above min and max regulation.

That's the old regulation. recently got some new regulation came out. I suaku..not that up to date about precise details.

So my qn is.. does brunei's govt set such min/max regulation that all bank must follow?

24/8/06 4:50 上午  
Blogger 欣架打鳥人 said...

I should also add that singapore's bank all charge a standard high exorbitant 24% APR!!!.. i think. I believe that is also part of the govt regulation(?)

In other countries, USA for eg, APR can go as low as 9.9% for good credit status. Plus even if one has no income eg. university undergrads, if one has a savings acct with a bank, the bank will give a credit card of abt $500, just to get you started on using their card. Then later hopefully when you start earning more money, you will remain their customer. keke. The industry is pretty much unregulated by the government and there is real competition rather than a standard rate.

so my curiosity again is: brunei is more like singapore's style?

24/8/06 5:02 上午  
Blogger 阿米巴 said...

信用卡, 害年轻人不浅啊,马来西亚的月入RM1500就可以拿了,有些还怕你不拿呢。身边的年轻朋友大多每个月尾都为卡帐烦。

30/8/06 2:34 下午  
Blogger Crayn Tay said...

信用卡??我是一个疯狂的人。不能克制自己的。所以最好不要有信用卡。你怎么回事????破产??为什么??你血拼吗??没有看到你的胜利品的??

18/9/06 2:15 上午  
Blogger Kurakat said...

信用破產的開始?
Depends on the user bah...

10/12/06 1:28 上午  

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