Kredit Kad? - Entry Sebelum Kepulanganku ke Rumah

I

Yeayyyyyyyyy!!!!!!!!!!!
Dah abis zaman bekerja.......... untuk sementaralah... huhuhu... malam ni aku nk bergerak pulang... dalam masa kurang 1 jam lagi laaaa... but bergantung jugak kepada rakan2 sekerja yg nk ikut aku gerak pulang .... Sekali aweks daaaaa.... Sorang duk kat USJ sorang duk kat Klang... Hermmm eloklah tu.. housemate aku ke Seri Kembangan.. and aku ke Pahang... last destination.... dan semestinya kereta aku... Sang Wira v1.5 hehehhe....

Tp... x syoq jugak... aku kena ngajor budak lepas raya nih... hampeh... mana x nya.... Application of Control System in Biomedical Engineering... semak kepala hotak aku nk korek maklumat dalam internet.... of course journal.... pasai dalam buku susah giler nk carik.... semak semak.. tp apa2 pun... doakan aku berjaya siapkan lecture notes by end of my holiday.... kacau jiwa raga.... adehhh...

isk2... kawan2 pompuan aku nih x sms lagi nih... biler laaa agaknya nk siap kemas... diorang cakap dah seminggu mengemas... apa benda yg derang bawak nth laa... jgn smpi x celuih bonet keta aku dah............... aku tinggal derang nanti hahaha.... adoooooi

II

Erm.. td petang... aku duk asyik survey kat internet pasai kad kredit nih.... aku sebenarnya berminat dengan kad kredit Petronas-Maybank and Petronas-CIMB... tp... aku terjumpa satu artikel pasai kad kredit nih...

Ramai bertanya saya soalan ini. Mereka menggunakan kad kredit, namun membayar penuh setiap jumlah kegunaan mereka dalam tempoh 20 hari yang terawal.

Dengan cara ini tiada faedah dikenakan dan tatkala itu kad itu hanya seperti kad caj. Adakah halal?

Jawapannya, ia tetap haram kerana setiap pembelian menggunakan kad kredit riba daripada bank konvensional ini, pihak bank akan mendapat komisen satu hingga tiga peratus daripada penjual.

Ini jelas menunjukkan pengguna menyokong industri riba untuk berkembang, lebih kurang sama dengan memberi upah dan komisen kepada perompak dan pembunuh atas kerja jahatnya. Bukankah itu dosa yang jelas?

Dosanya sama seperti mereka yang terbabit dengan riba secara langsung. Taubatlah. Tiada lagi alasan untuk menggunakannya, terutama pada waktu wujudnya kad kredit Islam dan ada caj Islam yang diiktiraf Visa dan Mastercard, bermakna ia diterima di seantero dunia.

Berfikirlah berlandaskan Islam di musim kaya, miskin dan sukar, nescaya Allah melapangkan jalanmu.

Aku terbaca masa aku duk browse melilau dalam dunia cyber tuh... nk baca lebey lanjut tgk kat website nih.... untuk keterangan yang lebey jelas... p laa surf kat website ustaz zaharuddin pasai artikel kad kredit nih.... terus keinginan aku nk pakai kad kredit agak terbantut wat sementara.... tapi sekarang nih kita dah ada alternatif utk gunakan kad kredit yg berlandaskan syariah (menurut mereka laaaa) ie bank islam, maybank-ikhwan dan jugak ambank-altaslif.... So... sekarang ni aku dh insap... x mau dah nikmat sementara.... lagi pun sekarang ni... Bank Negara dah kuarkan satu statement seperti di bawah

" Last Year Bank Negara Malaysia announced a tiered pricing structure (TPS), which will be implemented this July 1, under which those who settle their minimum payments promptly will be charged a reduced interest of 15% to 17% per annum, instead of the usual 18%.

Under current arrangements, credit cardholders enjoy a 20-day interest-free period on their new retail transactions. However, after July, only those who make full payments before the due date will be entitled to interest-free days. Those who make only partial or minimum payments will be charged interest on the day new purchases are posted to the card's accounts. In addition the late payment charge is now a minimum of RM10 or 1% on total outstanding balances; previously it was 1% of the minimum payment amount.

Though the TPC allows cardholders to enjoy lower interest rates, they now have to pay interest on each and every new purchase as soon as it is posted into their accounts."

Source; Personal Money June 2008, by Tan Su-Yin

So... apakah kesimpulan yg boleh di buat kat sini??.... perlukah kredit kad?? x perlukah?? jawapan di tangan anda (ceh.. macam kuiz la plak).... bagi org yg disiplin... atau sedar diri.. aku rasa insyALLAH xkan ada masalah... tp bagi manusia yg seronok berbelanja.... hermm.... jangan menyesal d kemudian hari....

III

adehh......... aku nk berkemas.... skg ni kol 930pm.... sat lagi kol 1015pm aku dh nk gerak..... Doakan keselamatanku.... tata...

SELAMAT HARI RAYA
MAAF ZAHIR BATIN
AMPUN MAAF DIPINTA
ANDAI DAKU TERKASAR BAHASA

Wassalam....

Why always me??

Yesterday night... When i was surfing the net... i found a file.. crack file to the Microsoft Office 2007... Since my previous cracked file was deleted accidentally by Avast, i get excited and successfully downloaded the item. Currently I'm using Avira and the same thing happened except it ask me whether want to deny the file access.. From my previous experience... the crack shouldn't be harmful and dangerous... so.. i grant the access and then.... that was the point i think when the problem started to appear.. My notebook easily froze and it's performance was soooooooooo annoying.. at first I thought it might be due to the memory (RAM) since i had change them with my sister's notebook... She is using vista and only have 1GB?? Nevermind, as a good brother (hehee) I swap the RAM with mine, 2.5GB.

Finally, after few times restart the notebook, it won't respond after startup.... Format!!!....

The next morning, I started my effort on formatting..... but the problem won't solve... haiyaaaaaaa... why aaar?? ANGRYYYYYYYYYY..... DISSAPOINTED......... ****!!!

Ok!!.. this is my last effort on formatting and installing windows.. if the problem persist, I won't waste my time on windows again and try to install ubuntu instead to see what the real problem is.... hardware or software.... enough with hardware problem...... I barely can stand my notebook now... it won't boot if i use battery... need to plug in ac power.... haaaaaaaaaarhh.... chipset failure i think..... arghh.. lantak laaa....

Eventually, i found the real problem when the virus keep popping up after fresh install of windows for the 2nd time..... okay... i should install kaspersky since the antivirus show me acceptable performance ... from my experience... but it took a lot of time and as not effective as avira... that's my thought at first when i saw the progress status... soooooooooo slow... argh.... avira should be enough and my instinct was correct.... avira detect all the virus immediately and clean them all up!!..... it takes me a lot of effort... till night tho.... hohooho... sabo jer ler..... Ramadhan...................

The conclusion is.... jangan nk crack software yg kena beli!! adehhh...

Owh my RM2.4k !!!

""Huh............ apa dah jadi nih!!!!!??? mangkuk giler........... tidakkkkkkkkkkkk!!... mahal bendalah nih....... "

"aduuuuuuuuuuuuuuuuuh.. apakah ini satu kifarah.????.. siannya adik aku.... isk2... apa back up plan aku nih.... aaaaaaaaaaaa!! usha akak aku nyer aaaaaaaar..... "

"truuuuuuuuuuut.... truuuuuuuuuuuuut.......... truuuuuuuuuuuuuuuut"... "Hello!!"
"Kak Long... ada masalah skit... kasi kat Anjang.. Kak Long nyer??"
"Malas aar... dah setup... nanti nk kena transfer lagi.. minta yg Bang Cik punya aar...."
"Kak Long cakap aar kat dia..."
"aaaa... nanti Kak Long kol"

"kringgggggggggggg.... kringggggggggggggggggggg... kringggggggg"... "Hello!!"
"Bang Cik!!... nak minta Bang Cik punya... nak bg kat Anjang... yang Alang beli tu rosak aar... kena air ujan"
"amik aarrrrrrrr..."
"ok.... nanti sok petang Kak Long amik...."

"keringgggggggggggg... keringgg...".. "aaa Hello"
"Dah... Bang Cik cakap ok... nanti sok petang Kak Long pegi amik"
"aaa.. ok... "
"Nanti Kak Long terus balik...."
"aik.. kata nak balik Senin pagi..."
"malas aar.... semalam dah keje smpi malam"
"owh... ok..."

"Alang... caner??"
"Ermm... x bleh.. nak kena antar kat kedai nih...."
"dah tu?? Anjang caner?? "
"xpe... minta dah yg Kak Long nyer yang lama... terpaksa amik yg tu laa.. nanti Bang Cik amik laptop yg baru ni.. tp kena baiki dulu laaaa"

"aii... caner ler aku leh beli Acer 4925 nih.... spec tinggi sangat, Core 2 Duo 2.2GHz... tu yg x tahan tuh... adehhh"

*Abah
*Kak Long
*Aku
*Bang Cik

********************//********************

Selamat Jalan di ucapkan kepada adikku Anjang... yg sekarang ini telah pun berada di Mansurah, Mesir kerana melanjutkan pengajian dalam Qiraat (Al-Quran).
Bertolak dari Kuantan airport-KLIA-Mesir.

Semoga Selamat disana... Semoga Berjaya Dalam Pelajaran....