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Maybankard Ezy Cheque – Will You Take the Offer?

June 10, 2009 03:15 by Sze Hau 2 Comments

I received a Maybankard Ezy Cheque yesterday. It is a cheque with amount of RM2,000. You can get extra cash by simply bank in the cheque.

There is no document to fill in, no waiting approval and 0% interest-free for six months. You will need to pay back (by charging to your credit card) the money within 6 months, RM333.33 each month.

It is an interest-free for the installments but you will need to pay the cash advance fee which is RM77.60 (3.88%). Will you take that offer?

Personally I think it is not worth to take it unless you need the money urgently. The cash advance fee for credit card normally is around 18% p.a. So it is consider cheaper to take the Ezy Cheque than to take credit card’s cash advance.

If the cash advance fee is 2% or less, I think I will take it because I can use the money to invest in stock market or mutual funds, where I think I will get a better return on the investment (more than 2%).

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Filed Under: life log Tagged With: cheque, Maybank, Maybankard, mutual funds, stock

About Sze Hau

Geek. Love programming. Coffee addicted. Married with a child. Working towards financial freedom.

Comments

  1. EngLee says

    June 10, 2009 10:40 at 10:40 am

    I received it as well. My third time receiving it. It has become some kind of collection for me. Haha.

    Reply
    • szehau says

      June 10, 2009 11:50 at 11:50 am

      Ha, it may be a good collection :)

      Reply

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szehau’s weblog

szehau is a software programmer that has strong interest in the world of programming and Internet. He is graduated in University of Malaya, Malaysia with a Bachelor’s degree in Software Engineering. He draws on his passsion for web programming to share with others how to build a successful websites.

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