Assalamu alaikum... Setuju dengan mohamad zaki. Penggunaan kad 'kredit' (tak sesuai nama ni sebab perbankan Islam tidak menawarkan kemudahan hutang seperti ini) memerlukan perancangan yang bijak dari pengguna kad 'kredit'. Banyak artikel perancangan kewangan yang berkisarkan tips2 menggunakan kad kredit. Ini kerana, ramai anak muda, hatta yang matang pun muflis, papa dan dikelilingi masalah kewangan dek korban kad 'kredit' ini.
Namun, usaha mempromosi kad 'kredit' Islam ini perlu dilihat sebagai usaha untuk mengalihkan pengguna muslim kepada alternatif yang memenuhi kehendak syara'. Bukan lagi alternatif, tapi kewajiban. Takut terperangkap dengan RIBA' yang menjadi unsur penting kepada sistem konvensional, jika hutang tidak dilunaskan. Ada idea apa nama yang sesuai kepada Kad 'kredit' Islam ini? Ini kerana sistemnya tak sama dengan konvensional. Cuma, mungkin dah terbiasa dengan term konvensional, sebab itulah digunakan term kad 'kredit'. Saya menggunakan kad 'kredit' yang ditawarkan oleh Bank Islam dan at- Taslif oleh AmBank. Setakat ni, alhamdulillah...every amount charged is settled in weekly basis. I have learnt from my past experience and good articles on financial planning. Ikhlas, SHAHMUZIR NORDZAHIR Takaful Consultant TAKAFUL IKHLAS SDN BHD 019-3826408 **kalau nak tahu jaminan kewangan melalui produk takaful, boleh hubungi saya yek :) --- In [email protected], "Mohamad, zakii" wrote: > > kepada ahli yang berminat untuk menggunakan kad kredit sila berpikir banyakj kali skit.....mula2 memang la bagus , selepas tuh banyak yg ken charge, Kalu lambat bayar rm 5.00 berkira ...telepon sini sana.. > > -----Original Message----- > From: [email protected] [mailto:[EMAIL PROTECTED] On Behalf Of sentto-10957681- [EMAIL PROTECTED] > Sent: Wednesday, June 07, 2006 4:03 PM > To: Ikhwanul Muslimun > Subject: RE: Bismillah [hidayahnet] Promosi Kad Kredit Bank Islam > > Saya berminat dgn promosi Kad Kredit Bank Islam nie... Boleh tak saudara > hantarkan borangnya kepada saya. > > Alamat: Zanariah bt. Hamzah > Batey Ads Sdn Bhd > 12, Jalan Wan Kadir 1 > 60000 Kuala Lumpur > > Thank you. > > -----Original Message----- > From: [email protected] [mailto:[EMAIL PROTECTED] On > Behalf Of "Mohamed Saufi Abu Bakar"@spheriq.net > Sent: Thursday, June 01, 2006 9:12 PM > To: Ikhwanul Muslimun > Subject: Bismillah [hidayahnet] Promosi Kad Kredit Bank Islam > > -Percuma sepanjang tempoh kontrak > -Interest/Kadar Keuntungan 1.5 % > -Purchases/Pembelian 1.5 % > -Cash Withdrawal/Pengeluaran Tunai 1.5% > -Balance Transfer/Pindahan Baki (sebarang jumlah-caj RM6.20) > -Cash Withdrawal Fees/Caj Pengeluaran Tunai (RM12 untuk setiap RM1,000- > pengeluaran di 88 buah cawangan BIMB & 243 mesin ATM di seluruh > Malaysia) > -No Compounding/Tiada konsep faedah atas faedah (jumlah hutang pokok > tidak akan bertambah) > -Over Credit Limit/Lebih Had Kelayakan Konsep Qardhul-Hassan digunakan > (tiada sebarang caj yang dikenakan) > -Credit Protection Shield/Pelan Perlindungan Takaful (PERCUMA > Perlindungan Takaful Keluarga Berkelompok-hutang lunas)+PERCUMA khairat > kematian RM1,000 > -Rewards/Ganjaran Rebet tunai 0.5% - 2.5% (Kredit terus ke akaun) * > -No Riba (interest) & Gharar (uncertainty)/Tiada Riba & Keraguan > -No joining fee & annual fee / Tiada yuran peryertaan & yuran tahunan > -Zakat payment acceptance / Pembayaran zakat diterima > -Worldwide acceptance and cash advance at 500,000 ATM Mastercard & VISA > all over the world / Diterima seluruh dunia dan pendahuluan wang tunai > di 500,000 ATM Mastercard & VISA seluruh dunia. > -24 hours customer service / 24 jam perkhidmatan pelanggan > > > -Payment facilities / Kemudahan Pembayaran: > 1) Cash or cheque payment at our 88 BIMB branches > 2) Cash payment through our 40 Cash Deposit Machine (CDM) > 3) Auto debit from Bank Islam savings/current account > 4) Internet banking facilities at www.bankislam.biz > 5) MEPS Interbank GIRO (MEPS IBG) facility through other's bank > 6) Mail your cheque to Bank Islam Card Centre > > Eligibility Requirement / Syarat Kelayakan > > -Must be 21 years or above / Berumur 21 tahun ke atas > -Classic Card :-Basic salary plus fixed allowance RM1,500 per month or > RM18,000 per annum > -Gold Card :-Basic salary plus fixed allowance RM4,000 per month or > RM48,000 per annum > > Document Required / Dokumen Diperlukan > > -Copy of NRIC (both sides) or passport / Salinan kad pengenalan (depan > & belakang) atau passport (jika ada) > -Copy of latest 2 months' salary slip / Salinan terkini 2 bulan penyata > gaji > -Copy of latest Form J or EA / Salinan terkini Borang J atau EA > -Copy of credit card (front side) / Salinan depan kad kredit (balance > transfer only) > -Copy of latest 2 months' credit card statement / Salinan terkini 2 > bulan penyata bil kad kredit (balance transfer only) > > > > > > > Interested?? 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