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Archive for July 13th, 2008
13 Jul

曦日皚雪

透過冰冷的玻璃,皚告訴我她很享受目前的生活,沒有打算去改變它,我聼了有點意外。我接受她那樣的思想,身旁的類似情況的成員也不算少,可是對於皚說出這樣的話來,還是覺得有點突然。

記得很清楚,這已經是皚第二次這樣說,第一次透過曦的口,我認爲皚是在逃避,説了鴕鳥的話。然而隔了一段不算短的時間后的這一次,皚還是這樣說,我猜想她應該是經過了深思熟慮之後才做的決定。畢竟,選擇如今這樣的生活需要一定的勇氣。

與皚其實算不上熟,雖然認識她的日子算算也不短。地位尷尬的關係,也不常與她聯絡。我想皚大概還對我的過去有一點成見,雖然曦極力否定。

皚與曦有著同樣固執的性格,不容易被打倒,這一點常讓我佩服。你不能小看她,因爲假以時日她一定會證明給你看你是錯的。

雖然未來如何沒有人知道,有一點可以肯定的是,有曦在的日子,皚一定不會寂寞。

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13 Jul

Credit card’s 20-day grace period

I was deeply confused by recent announcement of the removal of 20-day interest free period on credit cards, so I went on net to search for more info. I thought some of you might also be interested to know. Please correct me if I interpret it wrongly.

Attached is the info given by HSBC, which in summary:

Those who settle full payment before due date would enjoy 20-day interest free period on the new purchase.

However the above DOES NOT mean no interest before the due date. If you settle exactly on the due date, you will likely have to pay interest, since most banks’ due date is one month from the statement date.

For example, supposedly your statement date falls on the 30th of every month, and you made a purchase on the 1st of this month. When you receive your next statement, there is already a 10-day interest imposed on your account, being 30 – 20 = 10. When you “pay on time” before the due date, i.e. on the 30th of next month, there will be a 40-day interest incurs to your account.

Let’s see how much is the interest. For every RM1000 spent, the “pay on time” interest will be:

1000 x 0.15 x 40 / 365 = RM16.44

Repeating the above for 12 months, you will have to pay an extra of RM197.30 per year for PAYING ON TIME.

For those who do not make full payment on time, you DO NOT get 20 days interest free period. Failing to settle your bill on time means your next purchase would be charged as soon as the transaction has gone through. The banks will be laughing all the way.

For whatever reasons they claim during the press conference, Bank Negara must have collected enough statistic data, analysed and deduced that this is easy money for them, as most people would likely to pay after the grace period.

My best recommendation to those who use credit cards is to check your credit card accounts and make full payment every TWO weeks to ensure the banks do not make any extra income from our hard-earn money. This is only likely if you have internet banking facility.

Categories: 兩岸猿聲啼不住 Tags: