1. CREDIT CARD USE MORE TORT owner
The use of credit cards has become a norm in society today. Credit card is a payment method
that allows consumers to buy goods and services without using cash. Plastic cards 'miracle' allow us to
buy on credit with a maximum that can be charged. When a consumer uses a credit card, the credit
card issuerwill paytothe dealerforthe consumer first and then ask for payment of credit card holders
in the form of monthly statements.
Frank MacNamara introduce the concept of credit cards in 1950 with the aim to facilitate
payment. At that time only the upper class only capable of using a credit card. But at present all those
owning at least one credit card for their use.
Many people think that a credit card is a symbol of luxury and should be owned by them. In
contrast,credit cards have now become as if "something for nothing" technology because it can cause
the handle stuck in the debt problem.
Accordingto sources quoted by Bank Negara Malaysia (BNM), a total of 8.8 million credit cards
issued by financial institutions in the country with an average per owner has 3 credit card. It is rather
more than the amount of normal conditions. In fact, about 30 percent of bankruptcy cases involving
credit card holders. Almost most of the owners of the bankrupt credit card is a young executive under
30 years old.
We need to think why such a situation occurs in our society, especially among young people.
Amongthe mainfactors isthe attitude of take it easyfor a debt.Many people spend as they please and
exceed the prescribed limit. Attitude of arrogance andextravagance of thistrap yourself inthe midst
of a prolongeddebtandendless.Due to want to show off, many credit card owners spend without any
purpose or budget. They actually have a character like this would be spent on things that are not
important.
Leeway and encouragement given by the government and banking institutions has enabled
more and more people in this country own a credit card. According to regulations, a person who earns
RM1, 500 permonthare eligible foracreditcard. The aim isto encourage the growthof creditadversely
affected as a result of the economic downturn that is hitting the country.

2. In addition, the Bank also cut rates credit cards charge a minimum of 2% to 1.5% per month,
makingitno more than 18% peryear.Late paymentchargesare set notmore than 1% calculated on the
amountoutstanding. This phenomenon has caused many people to apply for these plastic cards. With
the advent of credit cards they can spend without using their pocket money.
Community should take effective measures to solve this problem because the status of
bankruptcy and debt despised in society and disqualification in certain cases. The government should
regulate and monitor the issuance of credit cards offering banking agencies on the credit card.
The minimumqualification should be increased at least to those with incomes above RM3500.
Currenteligibilitysettoolowandnotin line withthe risingcost of living people. Allow the low-income
and moderate a credit card will only expose them to excessive debt burden.
Creditcard ownersshouldbe aware of the effectsof using a credit card without limitations will
bring many unwanted problems. To avoid problems of this debt, the credit card owner must spend
wisely and always be careful in spending involving the credit card.
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PENGGUNAAN KADKREDIT pemilikTORTMORE
Penggunaankadkredittelahmenjadisatunormadalammasyarakathari ini.Kadkreditadalahsatu
kaedahpembayaranyangmembolehkanpenggunauntukmembeli barangandanperkhidmatantanpa
menggunakanwangtunai .'Keajaiban'kadplastikmembolehkankitauntukmembeli secarakredit
denganmaksimumyangbolehdikenakanbayaran.Apabilapenggunamenggunakankadkredit,
pengeluarkadkreditakanmembayarkepadapeniagauntukpenggunayangpertamadankemudian
memintabayarandaripadapemegangkadkreditdalambentukpenyatabulanan.
Frank MacNamara memperkenalkankonsepkadkreditpadatahun1950 dengantujuanuntuk
memudahkanpembayaran.Padamasaituhanyakelasatasanhanya mampumenggunakankadkredit.
Tetapi pada masaini semuaorang memiliki sekurang-kurangnyasatukadkredituntukkegunaan
mereka.

3. Ramai orang berfikirbahawakadkreditadalahsimbol kemewahandanharusdimilikiolehmereka.
Sebaliknya,kadkreditkini telahmenjadi seolah-olah"sesuatuuntukapa-apa"teknologikeranaiaboleh
menyebabkanmengendalikanterjebakdalammasalahhutang.
Menurutsumber-sumberyangdipetikolehBankNegaraMalaysia( BNM) , sebanyak8.8 jutakad kredit
dikeluarkanolehinstitusi kewangandi negaraini denganpuratasetiappemilikmempunyai3kad kredit.
Ia agak lebihdaripadajumlahkeadaanbiasa.Malah,kira-kira30 peratusdaripadakes-keskebankrapan
melibatkanpemegangkadkredit.Hampirkebanyakanpemilikkadkreditmuflisadalaheksekutifmuda
berusiadi bawah30 tahun.
Kitaperluberfikirmengapakeadaansedemikianberlaku dalammasyarakatkita,terutamadi kalangan
orang muda.Antara faktorutama adalahsikapmengambil mudahuntukhutang.Ramai orang
menghabiskansesukahati danmelebihi hadyangditetapkan.Sikapkeangkuhandanberlebih-lebihan
perangkapini sendiri di tengah-tengahhutangyangberpanjangandantidakberkesudahan.Olehkerana
inginmenunjuk-nunjuk,banyakpemilikkadkreditberbelanjatanpaapa-apamaksudataubajet.Mereka
sebenarnyamempunyai ciri-ciri seperti iniakandibelanjakanuntukperkarayangtidakpenting.
Kelonggarandangalakanyangdiberikanolehkerajaandaninstitusi perbankantelahmembolehkanlebih
ramai orangdi negaraini memiliki kadkredit.Menurutperaturan-peraturan,seseorangyang
berpendapatanRM1,500 sebulanlayakuntukkadkredit.Tujuannyaadalahuntukmenggalakkan
pertumbuhankreditterjejasakibatdaripadakegawatanekonomi yangmelandanegaraini.
Di sampingitu,Bankjugamengurangkankadarkad kreditmengenakanbayaransekurang-kurangnya2%
kepada1.5 %sebulan,menjadikaniatidaklebihdaripada18% setiaptahun.Caj pembayaranlewatyang
ditetapkantidaklebihdaripada1%dikiraatasjumlahyangtertunggak.Fenomenaini telah
menyebabkanorangramai untukmemohonkad-kadplastik.Denganadanyakadkreditmerekaboleh
menghabiskantanpamenggunakanwangsakumereka.
Masyarakat perlumengambil langkah-langkahyangberkesanuntukmenyelesaikanmasalahini kerana
statusmuflisdanhutanghinadalammasyarakat danhilangkelayakandalamkes-kestertentu.Kerajaan
perlumengawal seliadanmemantaupengeluarankadkredityangmenawarkanagensi perbankanpada
kad kredit.
Kelayakanminimumperluditambahsekurang-kurangnyakepadamerekayangberpendapatandi atas
RM3500 . Kelayakansemasaditetapkanterlalurendahdantidakselarasdengankossarahiduprakyat.
Membenarkanberpendapatanrendahdansederhanakadkredithanyaakanmendedahkanmereka
kepadabebanhutangyangberlebihan.

4. Pemilikkadkreditperlusedarkesanmenggunakankadkredittanpabatasanakanmembawabanyak
masalahyang tidakdiingini.Untukmengelakkanmasalah-masalahhutangini ,pemilikkadkredit
mestilahberbelanjadenganbijakdansentiasaberhati-hati dalamperbelanjaanyangmelibatkankad
kredit.