Permohonan Kad Kredit Bank Rakyat

Friday, April 5, 2013

Syarat Minima Permohonan Kad Kredit

KUALA LUMPUR: Bank Negara Malaysia (BNM) menyemak semula syarat kelayakan pendapatan minimum bagi memohon kad kredit kepada RM24,000 setahun daripada RM18,000 setahun berkuat kuasa serta merta. Timbalan Gabenor BNM, Nor Shamsiah Mohd Yunus, berkata bagi pemohon atau pemegang kad yang memperoleh RM36,000 setahun atau kurang, mereka boleh memiliki kad kredit daripada dua pengeluar kad sahaja. "Bagi pemegang kad sedia ada yang memiliki kad kredit lebih daripada dua pengeluar kad, mereka diberikan tempoh sehingga 31 Disember 2011 untuk menentukan pengeluar kad pilihan masing-masing," katanya pada taklimat media di sini hari ini. Pada masa ini, 50 peratus daripada 3.2 juta pemegang kad kredit mempunyai pendapatan di bawah RM36,000. Nor Shamsiah berkata, pemegang kad juga diberikan sekurang-kurangnya dua tahun bagi menyelesaikan baki tertunggak mereka untuk kad yang dibatalkan bagi tujuan memenuhi keperluan itu. Katanya, had maksimum kredit yang diberikan kepada pemegang kad juga tidak boleh melebihi dua kali ganda pendapatan bulanan pemegang kad bagi setiap pengeluar kad. "Pengeluar kad akan berurusan dan berbincang dengan pemegang kad yang terbabit bagi membantu mereka menstruktur semula pembayaran hutang dalam usaha memudahkan pelaksanaan langkah berkenaan," katanya. Nor Shamsiah berkata, langkah itu adalah usaha berterusan bagi memupuk amalan pengurusan kewangan dan hutang yang berhemat di kalangan pemegang kad kredit. Sehingga akhir 2010, jumlah hutang kad kredit adalah sebanyak RM30.8 bilion atau lima peratus daripada hutang isi rumah. Walaupun penggunaan kad kredit terus meningkat, nisbah pinjaman tidak berbayar (NPL) kekal rendah. Sehingga akhir 2010, NPL kad kredit hanya 1.7 peratus jumlah pinjaman kad kredit dan dua peratus jumlah NPL sistem perbankan. - BERNAMA

Sunday, March 21, 2010

Kad Kredit VISA Kick Off Bank Islam

Terms and Conditions

1. This Bank Islam Visa Card ‘Kick Off’ campaign runs from 1 December 2009 to 30 June 2010.
2. This campaign is open to new and existing Bank Islam Visa Cardmembers (Principal and Supplementary) residing in Malaysia, excluding employees of Bank Islam, its advertising agencies, their immediate families or any person(s) connected with the administration of this campaign.
3. Card Accounts must be in current status to be eligible for participation and be rewarded with the prize(s).
4. Only transactions of RM50.00 (retail purchase) and above shall be valid.
5. All transactions will be automatically tracked by the system. Submissions of forms, SMS, creative signatures / slogans, etc. is not required.
6. The daily winner selection will be based on highest approval code printed on sales draft daily. The highest possible number is ‘999999’. In the event of a tie, the Cardmember with the higher amount spent will be adjudged the winner. The daily prize is an exclusive Adidas Football Merchandise Pack consisting of a cap, bag, tumbler, football and towel.
7. The monthly winner will be selected on the highest approval code printed on the sales draft every month, ending with ‘XX2010’. The highest possible number is ‘992010’. In the event of a tie, the Cardmember with the higher amount spent will be adjudged the winner. The monthly prize is a Sony 52” BRAVIA™ V Series LCD TV (KLV-52V550A).
8. Cardmembers are only allowed to win 1 prize in a month, but may win more than once throughout the campaign period.
9. Bank Islam reserves the right to substitute any of the prizes with that of a similar value at any time without prior notice.
10. Winners are not allowed to exchange their prize(s) for any other prize(s) or request for a cash alternative.
11. All winners may be invited to attend a Prize Presentation Ceremony or other publicity events at a location to be confirmed later. Bank Islam reserves the exclusive right to publish or display the names and photographs of the winners for publicity purposes. Winners are responsible for all expenses in attending the ceremony.
12. The prize(s) shall be delivered to the winners at the billing address (within Malaysia only) stated in the records with the Bank Islam Card Centre (BICC). However, the winners may request to collect the prize from BICC at their own cost.
13. The Cardmember is advised to check with Sony (M) Sdn Bhd on the conditions of the warranty and the warranty period. A Warranty Card is provided with the prize. BICC makes no representation or warranty in respect of the prize in particular, its merchantability, quality, suitability for use and all ancillary services. For services and repairs, the Cardmember shall contact Sony (M) Sdn Bhd directly.
14. The prize offered herein is subject to change and/or upgrading of product specifications without prior notice.
15. The selection of winners will be at the absolute discretion of Bank Islam and shall be considered final.
16. Bank Islam is not liable for any misinterpretation of facts, and / or inflicted injuries and / or loss of lives and / or valuables resulting from the prize(s) won through the campaign. Bank Islam shall not be further liable, whether direct or consequential , for any loss or damage and / or whatsoever suffered by the Cardmembers caused directly or indirectly, in whole or in part, from their participation in the campaign and / or as a result of any act or omission on the part of Bank Islam.
17. Bank Islam shall not be responsible in any way whatsoever, in respect of technical failures of any kind, or unauthorized human intervention and electronic or human error in the administration and processing of the campaign.
18. To the fullest extent permitted by the law, in no event will Bank Islam or any of its officers, servants, employees, representatives and / or agents (including without limitation, any third party service providers that Bank Islam may engage for purposes of the campaign) be liable for any loss or damages (including without limitation loss of income, profits or goodwill or indirect, incidental, consequential, exemplary, punitive or special damages of any party including third parties) howsoever arising whether in contract, tort, negligence or otherwise, in connection with the campaign and / or the prizes, even if Bank Islam has been advised on the possibility of such damages in advance, and all such damages are expressly excluded. By participating in the campaign, the Cardmember will be deemed to have read, understood and agreed to be bound by the Official Terms and Conditions stated herein, including decisions of Bank Islam which are final, binding and conclusive. No correspondence, disputes and appeals will be entertained. Bank Islam further reserves the exclusive rights to change, amend, delete or add on to these terms and conditions without prior notice to the Cardmember and shall become effective on such date as Bank Islam may notify. The Cardmember agrees to be bound by such amendments.
19. Bank Islam reserves the right to cancel, terminate or suspend the campaign with or without any prior notice. For the avoidance of doubt, cancellation, termination or suspension by Bank Islam of the campaign shall not entitle the Cardmember to any claim or compensation against Bank Islam for any loss or damage suffered or incurred as a direct and indirect result of the act of cancellation, termination or suspension.
20. The Terms and Conditions herein are in addition to and without prejudice to the Terms and Conditions stated in the Cardmember Agreement applicable to the Card Account. In the event of inconsistency between these terms and conditions and the said Agreement, these terms and conditions shall prevail in so far as they apply to this Bank Islam Visa Card ‘Kick Off’ campaign.

Dapatkan Kad Kredit Bank Rakyat dan Kad Kredit Bank Islam sekarang. Sila email kepada sufi06@gmail.com untuk maklumat lanjut.
Get Bank Rakyat Credit Card and Bank Islam Card Credit now. Please email to sufi06@gmail.com for further information.

Saturday, March 6, 2010

Pelancaran Kad Kredit Bank Rakyat - Berita Arkib

Disini saya ambil petikan dari berita arkib Utusan Malaysia pada 2008 mengenai pelancaran kad kredit Bank Rakyat.

ARKIB : 29/08/2008
Bank Rakyat lancar kad kredit Islam

Oleh HAMDEN RAMLI

PUTRAJAYA 28 Ogos - Bank Kerjasama Rakyat Malaysia Bhd. (Bank Rakyat) melancarkan kad kredit pertamanya hari ini, dengan sasaran menarik seramai 30,000 pengguna kad itu sehingga akhir tahun ini.

Pengarah Urusan Bank Rakyat, Datuk Kamaruzaman Che Mat berkata, kad kredit berlandaskan prinsip syariah dan konsep tawaruk, yang dikeluarkan dengan kerjasama MasterCard Worldwide itu didatangkan dalam dua jenis iaitu emas dan klasik.

''Kami juga menyasarkan jumlah pengguna kad ini akan dapat ditingkatkan sehingga 100,000 pelanggan selepas tahun pertama ia beroperasi," katanya pada sidang akhbar selepas pelancaran kad kredit tersebut di sini, hari ini.

Majlis pelancaran telah disempurnakan oleh Menteri Pembangunan Usahawan dan Koperasi, Datuk Noh Omar.

Turut hadir Timbalan Ketua Setiausaha Kementerian Pembangunan Usahawan dan Koperasi, Alwi Ibrahim; Pengerusi Bank Rakyat, Tan Sri Dr. Syed Jalaludin Syed Salim dan Naib Presiden MasterCard Worldwide bagi Malaysia dan Brunei, Jim Cheah.

Kamaruzaman berkata, kad kredit Bank Rakyat MasterCard menawarkan keistimewaan seperti pengecualian cukai tahunan, tiada caj keuntungan berganda dan perlindungan takaful keluarga dan khairat kematian percuma.

Beliau menambah, keistimewaan lain ialah pengumpulan mata bagi mengerjakan umrah, pemberian rebet keuntungan dan kemudahan dalam urusan pembayaran zakat.

Sebagai kad kredit berlandaskan syariah, sekatan transaksi akan dilakukan di kaunter pedagang-pedagang yang menawarkan barangan dan perkhidmatan tidak halal atau bertentang dengan Islam," katanya.

Menurutnya lagi, Bank Rakyat yakin untuk mencapai sasaran jumlah pengguna kad kredit itu kerana berdasarkan laporan Bank Negara Malaysia berakhir Jun 2008 menyatakan jumlah terkini pengguna kad kredit adalah 9.2 juta orang dengan transaksi meningkat sebanyak satu peratus setiap bulan.

''Sasaran pengguna kad kredit ini terdiri daripada pelanggan sedia ada Bank Rakyat dan mereka yang berminat untuk menggunakan kad kredir berlandaskan syariah," tambahnya.

Dapatkan Kad Kredit Bank Rakyat dan Kad Kredit Bank Islam sekarang. Sila email kepada sufi06@gmail.com untuk maklumat lanjut.

Thursday, February 18, 2010

Penggunaan Kad Kredit Menurut Neraca Shariah - Ust. Zaharuddin

Terdapat artikel yang menarik tentang penggunaan kad kredit dari kaca mata syariah yang diulas oleh Ustaz Zaharuddin. Jika anda ingin mengetahui mengapa kad kredit konvensional tidak dibenarkan di dalam syariah Islam, anda boleh mendapat maklumat lanjut di pautan ini: http://www.zaharuddin.net/content/view/258/98/.

Saturday, January 30, 2010

Pertanyaan Mengenai Status Permohonan Kad Kredit

Sesiapa yang ingin mengetahui tentang status permohonan kad kredit bank rakyat, sila hubungi talian 03-2117 9000.

Friday, January 22, 2010

Tiada Unit Kad Kredit Palsu

Kepada pemegang kad kredit, sila baca keratan akhbar di atas. Tiada "Unit Kad Kredit Palsu" yang dikendalikan oleh Bank Negara. Jika sesiapa yang dapat panggilan atau sms dari Pegawai yang mendakwa dari Jabatan Siasatan Penipuan Kad Kredit Bank Negara jangan dilayan panggilan tersebut. Sila laporkan kejadian tersebut ke Bank Negara secepat mungkin.

Masa:
Store#
Expired SKU	Salonpas Patch 10's Bye Bye Fever 4's - Baby Bye Bye Fever 6's - Children Bye Bye Fever 6’s - Super Cool Salonpas Pain Relief Patch 5's Salonpas Spray 80ml Salonpas 30 Hot 10's Kangaroo Oil 8.5cc Eagle Balsem Gosok 20g Push Pop Candy Baby Bottle Pop 31g Juicy Pop Drop 26g Delfi Top X-Tra Large Cappucino 45g Delfi Top X-Tra Large Tripple Chocolate 45g Delfi Top X-Tra Large Chocolate 45g Delfi Cha Cha Mini Tube 45g Hudson Eumenthol Drop 50g- Lime Hudson Eumenthol Drop 50g- Classic Hudson Eumenthol Drop 50g- Wild Cherry Hudson Eumenthol Drop 50g- Honey Lemon Yupi Burger 40g Yupi Pizza 23g BIC J3 Slim Flint Lighter BIC J3 Slim Special Flint Lighter Meiji Hello Panda Chocolate 50g Meiji Hello Panda Strawberry 50g Meiji Hello Panda Double Chocolate 50g Meiji Hello Panda Milk 50g Meiji Lucky Stick Chocolate 45g Meiji Lucky Stick Strawberry 45g Woods' Cough Syrup 50ml for Adult Woods' Cough Syrup 50ml for Children Woods' Cough Syrup 60ml for Herbal Woods' Drop 15g - Original Woods' Drop 15g - Orange Woods' Drop 15g - Cherry Woods' Drop 15g - Blackcurrant Woods' Drop 15g - Honey Lemon Fitbar Chocolate 25g Fitbar Nuts 25g Silver Queen Rockr Dark Chocolate 22g Silver Queen Rockr Milk Chocolate 22g Pringles Original 110g Pringles Sour Cream & Onion 110g Pringles WildSpice 100g Pringle's Nano 47g- Original Pringle's Nano 47g - Sour Cream & Onion Pringles Tortilla 110g - Sour Cream & Onion Pringles Tortilla 110g - Nacho Cheese Pringles Tortilla 110g - Spicy Green Pepper Nin Jiom Herbal Candy Original 20g Nin Jiom Herbal Candy Original 60g Kellogg's Corn Flakes 150g Kelloggs Coco Pops 30g Kelloggs Corn Flakes 60x 25g Frosties 60x 30g Frosties 175g Speciak K 60 x 45g Kelloggs Cereal Bar Frosties 26g Kelloggs Cereal Bar Coco 26g Kelloggs Cereal Bar Rainbow 22g Maretti Pizza 35g Maretti Mixed Vege 35g Tiada dlm stock card
Remark