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02.11.2009 | 一張五十

政府公佈2010年財政預算案, 相信有一項措施係人人都會話「有冇搞錯啊?」嘅.. 明年起, 每擁有一張信用卡就要繳付50大元服務稅, 附屬卡25大元!! 國家銀行指出, 目前市面上有980萬張信用卡同130萬張附屬卡, 咁豈不是不費吹灰之力就平平安安穩袋5億2250萬?? 果然係天文數字啊..

報章上陸續見到政府給予呢項措施嘅理由:

  1. 收費係為咗控制個人信用卡數量, 從而減低負債率.. [星洲日報報導]
    如果要控制, 國行大可以由現有數據庫落手, 每人只限兩張卡.. 卡數問題嚴重?? 關我叉事啊?? 我從來都唔賒卡數, 呢個理由對我好唔公平喎..


  2. 如果呢樣唔收, 嗰樣又唔收, 咁國家去邊度搵錢嚟建設同發展啊?? [星洲日報報導]
    嘩嘩嘩, 果然係金句, 夠晒攞命囉!! 我冇嘢講啦咁.. 仲夠膽問去邊度搵錢負擔財政支出喎, 不如問吓去邊度摷返晒啲錢出嚟仲好??
i am very sure there is one item in the recently announced financial budget for year 2010 that make everyone says "what the hell??".. next year onwards, every credit card is subjected a RM50 service tax, and supplementary card RM25.. WTF!! according to Bank Negara, there are now a total of 9.8 million credit cards and 1.3 million supplementary cards in the market, having to say, this will give an easy income to the government at a sumptuous amount of RM522.5 million!! gosh, tell me this number is not astrological..

actually what's more entertaining is to read from the paper the reasons behind given to this policy:

  1. the charges is to limit card application and hence promote prudent spending and cut down debts.. [The Star reports]
    but i thought our dear Bank Negara would already have details of all the cardholders?? how difficult is that to limit two credit cards per person from the system?? cut down debts?? funny!! i never failed to pay my bills, this is just a lame and unfair excuse to me..


  2. if we don't charge this and we don't charge that, who will fund our nation's development?? [The Star reports]
    wow wow wow, another quote of the century i'm hearing here!! well, what can i say then?? you hear that "where can we find fund"?? why not just say where can we go dig out back the funds instead??
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50 comments:

  1. 还是用现钱较实际~
    哈哈~

    ReplyDelete
  2. How many cards are you gonna snip in half then? mwahahaha
    +Ant+

    ReplyDelete
  3. Hey, I kinda agree with this budget wor...... So that people will not have too much credit cards.

    ReplyDelete
  4. yaloh... so kns one..
    才兴致勃勃想要一张,死苯蛋政府就来这样一招!
    唉。。想到要白白还那些钱很不甘愿哩

    ReplyDelete
  5. Interesting reasons, eh? Dolly said it well, so kns! haha.....

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  6. yeah they always think of fast & easy income... lazy ppl!

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  7. 为了减少卡奴

    为了增加国家的收入

    这两个我都不能接受
    卡奴是本身的问题
    和收不收服务费没关系

    国家收入增加了
    有什么用?
    也不是给他们去贪。

    ReplyDelete
  8. 不是理由的理由,
    多卡之人,见招拆招,以割对之。

    ReplyDelete
  9. 现在有两张,而且这两张也是在用者,都不懂下一步要怎么办。

    平白无事为老百姓增添麻烦。

    ReplyDelete
  10. Seriously, at least come up with something better if they want to cheat our money, they didn't even use their brains to think of a better plan. I totally feel violated.

    ReplyDelete
  11. This a slap to the face for those who only own 1 card and who pay up their credit card bills in full every month!

    They should go after those errant card holders.

    ReplyDelete
  12. Ya lo...so ridiculous la...they thought want to gain our $ so easily...come on.. all bull shit!!

    ReplyDelete
  13. 我好有疑问啊:

    1.我一个A/C,有visa & master,系唔系收2张50蚊啊。。。?

    2.据说,如果一年又交annual fee既,就唔洗俾50服务税,系咪咁啊?

    ReplyDelete
  14. Cut Cut Cut ... Let's cut ... Let's Cut...
    Cut the plastic card into two... snip snip and cut cut ... You cut, I cut everyone cut... ;-)

    ReplyDelete
  15. Yeah, they should only charge those with 3 credit cards and more. Not fair to those who only have one card!

    ReplyDelete
  16. So have you "potong" all your cards? : )

    ReplyDelete
  17. 哈哈。。看到我都在偷笑

    ReplyDelete
  18. really useless, brainless ppl, only know how to use their brain to squeeze the money out of the ppl for their XXX, nvr put in effort to develop the country....
    more reason for me to not to vote them...
    and for the information, i only have one card and pay them on time, still i think its totally unfair... and their sole motivation is to squeeze money out of ppl (mostly ppl coz most of our ppl is not so rich)........

    ReplyDelete
  19. yer! apalah!!!! absurd absurd absurd!!!

    but i don have any card pon. :P

    ReplyDelete
  20. i think that will cause decline on their part too, not too many or should i say people won't really favor that

    ReplyDelete
  21. For backup purpose, it is good to have 2 cards.
    I also pay on time.

    ReplyDelete
  22. you know the other side of the story is even scarier....tat showed how poor our country is and the govt is trying to squeeze money out of the rakyat!!! correct me if i am wrong, our budget deficit (is it wat tat is called)went up this yr rite? and i tot najib said dey will try to bring it down as we go along and now the welfare of the rakyat is of utmost importance and there you are - 50RM for every card HJAHAAHHAAHAHHA.....

    ReplyDelete
  23. haiz...think i would need to call the banks to cut off my card dy~ :(

    ReplyDelete
  24. but a card is useful esp when u travel outstation..

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  25. 我有三張喔,係時候要取捨啦!

    ReplyDelete
  26. 大哥,肉在砧板上啊…
    boh bian lo...
    下次投票醒目點…哈

    ReplyDelete
  27. 总之,生财有道,条条新财路都有大道理啦!精明消费者如SK当然心水清,挑通眼眉啦!哈哈!

    ReplyDelete
  28. reminds me of a news item in an African country the army went to the rural areas n squeezed blood from the peasants to collect loot and surrendered it to the govt who used it to buy expensive military equipment

    ReplyDelete
  29. LAURENCE:
    信用卡也有它的好處的, 其實不用多, 有一兩張做後備比較好囉..

    Gratitude:
    i have 5 now, so i think i'll keep 2 for backups, the other 3 will get them snipped off..

    C'est la vie:
    well, there can be many other alternatives to control the number of cards one own.. this is just not a good way to control lor..

    ReplyDelete
  30. ~dolly~:
    唉, 算啦, 至少還是要keep一張以備萬一的囉.. 其他的就快快在明年之前, redeem完那些points然後就立刻cancel掉啦..

    HappySurfer:
    yeah, interesting and actually amusing reasons too, or shall we say, excuses?? haha.. it’s really KNS~~ :p

    Dora:
    well, maybe that's the only things that can be done for those up above there?? :p

    ReplyDelete
  31. Chi Leong:
    對啊, 卡奴是對人不對事, 以這個理由來強迫性征收服務稅真的是說不過去呀.. 你以為就這樣就可以奏效咩?? 實在是把問題想得太簡單了..

    单身汉:
    對啊, 凡事都有work-around啊, 我們是精明的消費人, 我們知道自己可以做甚麼的..

    Chin Weng 茶先生:
    其實至少要留一張來做後備的.. 我現在有5張, 打算留2張最好和最常用的, 其他一律cut cut cut!!

    ReplyDelete
  32. Legolas:
    yes, i agree with you.. at least give more valid reasons, and seriously think what are the best solutions and the impact it will caused on the people.. this is 1 Malaysia ok?? :p

    Mei Teng:
    yes, i always pay my bills in full every month without fail, and i got 5 cards with me now, i never have debts with the bank!! they should have punished those who abuse the credit cards, not us the prudent spender..

    uLi.佑莉:
    the thing is they never think properly, the next thing is the reasons given are so lame!! look at how our PM respond to this accusation?? i really feel ashame..

    ReplyDelete
  33. Rebecca Kheng:
    你嘅問題好簡單, 就係一個"狠"字可以概括
    1) Visa同Master兩張卡, 成惠RM100
    2) Annual Fees不等於服務稅, 請各自分開繳交..

    TZ:
    yes, i am gonna cut cut cut cut cut.. cut cut my credit cards.. cut my cards, cut my cards... :D

    foongpc:
    yes, it's either they limit how many cards one can own, of they charge the so called service tax on the 3rd card onwards.. they should have realised credit cards is not a luxury now, but a necessity.. i'm gonna cut 3 cards soon..

    ReplyDelete
  34. Wois:
    難道你沒有信用卡嗎?? 還笑得出的??

    the happy go lucky one:
    hey, you are wrong, didn't HE said all these money is for funding our nation's development?? that is HIS good reasons to burden the people, you didn't read the news?? yes, though i have 5 cards, but i never failed to pay my bills on time, and in full amount!! this is just not acceptable to me.. they should have think of some other alternatives to settle the problems and not adding burdens to the people.. what is 1 Malaysia for then??

    Medie007:
    haiz, sooner or later you will have one card with you lah.. then you will know how bad it is to pay RM50 for NOTHING!!

    ReplyDelete
  35. Ayie:
    i would say NONE!! NONE of the people will favour this.. the reasons given are just too lame to convince us.. so i'm gonna cancel my cards and not paying a single penny!!

    khengsiong:
    yeah, i will keep 2 cards with myself, no choice but for backups.. the rest of them i'm gonna cancel before next year..

    manglish:
    yeah, that is why i said, the declaration of 16th Sept as a public holiday has got other conspiracy behind coming along.. so now you see, RM50 for every card, not negotiable and bank cannot absorb the fees!! where else should we turn?? to cancel all the card then.. and you know this will cause a big impact to the banks and their credit card agents, and indirectly it's the rakyat who suffers too!! cos the Bank will sure increase some other processing fees to balance out this.. everything is in a cycle that impacts one another..

    ReplyDelete
  36. L²:
    yeah, i will also cut off unnecessary cards, but will keep two for backups though..

    wenn:
    yes, we should always keep at least one card with us, for whatever emergency reasons - be it at home or outstation or overseas..

    海市蜃樓:
    我有五張啊而家, 不過已經決定cut邊三張喇, 留返兩張以備不時之需囉..

    ReplyDelete
  37. 動 Orson:
    係啊, 肉在砧板上, 都冇咩可以做架啦, 唯有係將傷害程度減至最低囉.. 我上次投票都係醒目啊, 不過時勢仲係未能扭轉乾坤啫..

    edward:
    條條財路都一定有道理架, 係睇個道理有幾合理啫.. edward兄你都係精明消費者一名, 究竟係唔係條康莊大道, 大家心水清啦.. 呢個場不便透露太多, 好危險架..

    Bengbeng:
    OMG, is that true?? that is just so inhumane, how could they do that!! isn't there anything else they can do rather than blood, and why they need all those military equipment for?? are they in deep war??

    ReplyDelete
  38. OMG!!不如去抢!!

    ReplyDelete
  39. So the government can actually make decent money from these credit card charges. :)

    A lot of my colleagues are already talking about it. Some of them had already snipped all their cards. LOL :D

    ReplyDelete
  40. Hopefully some banks are willing to absorb the cost.....possible?

    ReplyDelete
  41. 雪芬:
    其實不就是明征暗搶囉..

    Tekkaus:
    yeah, i am going to snipped my cards to, but will still keep 2 as backups.. actually credit cards have become a necessity already, can't really accept the RM50 service tax, ridiculous..

    Grass:
    well everyone hope the Banks are willing to absorb the cost, but it's not a small amount if you are gonna see it collectively.. to us, we just cancel the cards, but to the Bank it's either you bear the RM50 or you loose the business..

    ReplyDelete
  42. 有時候哦,我們的政府真的不用腦袋去想東西的~~他以爲這樣做就減少那些濫用未來錢的人

    ReplyDelete
  43. It's not only credit cards. Debit cards are also taxed!! I find that illogical..

    ReplyDelete
  44. 现在的我也不用卡咯~怕怕!

    ReplyDelete
  45. venus:
    哈哈, 其實不是他們沒有想, 只是說他們只會想到很表面, 這裡有問題就找一個方法"解決", 不會去想到可能會帶來的後果的.. 只是把膏藥布貼在傷口上, 不會對症下藥囉..

    HappySurfer:
    isn't that stupid?? how can a debit card causes debt to the cardholder?? unless the bank allows overdraft.. so we can see, the reason this is implemented is for reason (2)..

    Chris Chia:
    我覺得其實完全不用也不好, 始終要有一張做後輩.. 現在很多東西都需要用到信用卡啊.. 唉, 確實是傷腦筋..

    ReplyDelete
  46. Not a surprise anymore with such news. Thumbs up to them actually, for coming up with such a creative way to get more FUND in order to buy 41k laptop.
    Mayb I shall keep all my cards so that I can contribute more to the fund.

    ReplyDelete
  47. Bye Credit Cards! Hello Robberies!

    ReplyDelete
  48. KY:
    haiz, there are just 1001 excuses that they can create for just 1 little thing.. haha, you want to contribute?? maybe i'll keep all my 5 cards, and you pay for me indeed??

    ladyviral:
    err, i will still keep 1 or 2 credit cards with me.. i think we still need them..

    ReplyDelete
  49. SK Thamby - Thanks for reminder, I will cut off all my cards!! I think I have 8 cards!

    ReplyDelete
  50. Twilight Zone:
    hey, you now have like only a month to do so!! but before you cut, please remember to redeem all your points ok?? i'm gonna wait for my statement, make my payment, redeem all points and then i'll cut them off!!

    ReplyDelete