My credit  card balance is Ringgit Malaysia 5000, if i pay RM 300 a month, how long it take to pay off my bill
552575
I assume that your APR is 18% as most of the Malaysia credit cards do, it will take 20 months for you to pay off you credit card bill. You may use the calculator at www.MoneySection.com to calculate. Hope this help :)
827769
You would be charged an over the limit fee every single month you were above 3K... I hope you can pay it off fast, otherwise you are going to pay alot of finance charges. I don't think they can "punish" you though... just charge you and maybe close your account to new purchases.
857725
Hi,\n\nCredit card companies rate the amount of money they will lend you by the amount of faith you will pay it back. The more your income is the more they will be willing to give you. But the main factor is your credit rating, ie how good you have been in paying bills in the passed. The more credit you have then pay off, this will also improve your rating. Your limit will probably be quite small, between £300 and £500. Leave it for as long as you can before you request more money from them. Make sure you pay on time and then their trust in you will grow and they will lend you more.\n\nHope this is helpfull
796065
745 (Experion) when I checked 3 months ago...probably more since I have paid more on my credit card and haven't charged anything.
152227
make sure you never charge mare than you can pay when the bill comes.  just because you have one, doesn't mean you have to use it.\n\nif you get in trouble slightly cut it up and send it back.  pay more than the minimum payment due.  if your minimum due is 30 send them 60.  the longer it takes to pay, the more you pay.  the higher interest the more you owe.\n\nie: if you spend $1000. and your minimum due is $30, if you pay them $100, they will put at least $10 onto your card for interest.  so instead of only owing 900. you now owe 910.  and they do this every month.\n\nso never buy more than you can pay in a month, or you will owe more than you bought.\n\nread the fine print\ngood luck
277981
pay the bill on time...
155047
Most consumers do not know that if they only pay the old minimum on their credit cards it would take about 40 years to get out of debt.  The feds are doing this to help out the consumer, although it may not seem like it right now to you.\n\nI have been there, my friend, but I am now debt free (well except a mortgage and a car loan) and here is how i did it.\n\n1. Stop using your credit cards.  Cut them up.  If you cannot bear to do that then put them in a baggie filled with water and freeze them.\n\n2. Instead of paying your new minimum every month, pay half of it every 14 days.  Not twice a month, but every 14 days.  You will be amazed at how quickly your debt disappears.\n\nThe credit card companies would love to go back to the old system and do not want you to know about the pay every 14 days method so they could take more of your money.  \n\nWhen you get them paid off, then only use them as a "charge card".  The difference is that you pay that off every month and you do not pay them any interest.\n\nWork hard and get this done and you will feel so GREAT when you are debt free you may not want to rack up charges ever again.
1077606
If you pay on 07/01/06, ie loan term 1 year and 3months, the interest  should be $475.46. \n\nBut hope the person who calculates it agrees with the three above.
926547
Start by obtaining your credit report. Check for inaccuracies and dispute them if they are truly inaccurate. Pay down your accurate debt. Keep your accounts open, just pay down the debt to 30% or below the limit. For example if your card's limit is $100, only use $30 or less and pay it off, but keep the card active.
1373
Pay your bills on time.  If bill is over due then pay it.  Even when you have paid all your bills, it takes 7 years for credit to be cleaned out completely.
574075
When you pay your credit card bill you have an option to either pay:\n\na. Full Balance (which I would recommend)\nb. Anything above minimum payment\nc. Minimum Payment - this is the smallest amount you can pay for that particular month.  Note that when you pay minimum payments you are not just paying for the item you are also paying interest charge, which makes your purchase more expensive.  That's why its better to pay it all at once.
897105
balance would be $84901.25
873049
6 months to a year with no late payments should set you up credit wise, but that is only the beginning. Learn how to manage your credit card! You don't know enough about how they work and could find yourself in a bind pretty easy.\n\nIf you are smart, you will use the card sparingly and pay it off each month. \nEach month that you owe a balance you will be charged interest... sometimes a fairly large amount, maybe nearly as much at the payment. \nFor instance: If you have a $500 balance, pay the minimum payment of say $20 and and if the monthly interest is $12... you are only paying $8 against the total each month. \nAt the end of One Year, with no new charges, you would Still owe $404 of the original $500 and the credit card company would have made $144 off of you in interest!\nWorse yet, if you go over your credit limit, you get dinged around $29 to $39 usually. If you hit your maximum and interest is attached before your payment gets processed, you can get hit with the "over limit" charge of $29+ then too. Pay late and it is another $29+... Think about it! It can add up really fast!\n\nIf you pay $300 on a $700 maxed out limit you will have $300 less any due or accruing interest payments in available credit. Probably around $250 is all, if you want to play it safe and not risk going over your limit and being charged extra.\n\nTake the time to look up some credit management information and learn how personal credit works and the do's and don'ts. You will save yourself worlds of trouble in the future if you do that now.\n\nI didn't and sure wish I had! I got sick and couldn't make the payments and now, I am Still paying off what is mostly interest and penalties.... It sucks and so does my credit rating!
1069908
call your credit card company and see what the charge was
184321
NOrmally, your credit card will have the following interests. One for purchases. One for cash advance. One for balance transfers.\n\nPurchases can have a promotional rate like 0% for the first 6 months of the card then it goes to Prime + xx%. Cash advances are normally 22% Balance transfers can be as low as 3% for the life of the balance depending on your credit history (both usage and payment) with your card company. You are correct, do not average them as it will only confuse you further. Treat them individually. The reason for the different rates is to "lure" you into spending much on the lowest interest segment, usually, balance transfers. While it is in your cardmember agreement in very fine print, all your payments will first be applied to the LOWEST INTEREST charges. When that is completely paid off then and only then will it apply to the second lowest and so on. Imagine you made a cash advance of $500 at 22% but have purchases of $700 at 17% and a balance transfer of $5000 at 3%. Until you are able to pay off completely the $5000, the $700 will continue to earn interest upon interest plus the $500 cash advance will rake in 22% month after month.\n\nMy advice to all is when you have a credit card with a low balance transfer rate, by all means use it for balance transfers only. Use another card to purchase goods. Or pay the balance off before doing a balance transfer.
193993
Be very careful about which card you choose.  Read the whole offer, because if you are careless, and sign the wrong one, you could end up paying fees of up to 300.00.  Meaning you could send one 500.00, and your first statement will come with you already owing 300.00.  The cards that you send your money to will cost you money, basically you buying your new credit, but in the future other creditors will only see that you had a card that you paid on time.  That is never pay late with them!  Also, try not to get over 80% of your limit.  It usually shows the balance, and date of that balance month after month.  Being near/over you limit is looked at nearly as bad as a late payment.
950907
One thing to remember if/when you pay stuff off (mainly credit cards) is even if you pay a card of so you have $0.00 outstanding that cad will still be looked at as potential debt, so say you have a $5000 limit & you pay off the $1400 you still have the ability to get $5000 more in debt after the home stuff goes through.\nIf you have more than 2 or 3 credit cards consider closing them so it will not be seen as potential debt, if not then pay them off & lower the credit limits to say $1000, Even at 680 it's a pretty good score so even a few months after the home stuff happens yopu can have the limit raised back up again.\nThat may help a bit. Also remember the places that report your  credit only do so about once a month so even if anything does change you may not see any change for 30-60 days.\nOh and dont pay anything late, miss payments etc\n\nIn addition:\nDue to the two silly fools below me I guess I should mention I work for the 2nd largest bank in the world. \nKeeping multiple empty card open is of no help in any way at all. It just show you can get in more debt as soon as you like & that does not look good for credit. As for raising the credit limit well thats just stupid for this persons situation. Not only will you then get more enquiries on you credit report (another bad thing) but it then shows you can get into even more debt.