Date post: | 22-Jan-2018 |
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Economy & Finance |
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Credit Card Debts Restructuring
withEasy Payment Plan
Smart Agent47C Jalan SS15/4Subang Jaya
Contact: Oscar Lai 016 672 [email protected]
016 2067763 Nie016 2067763 Nie
For more Info, Contact : 016 2067763 Nie016 6412935
For More Info. Call me 0166412935 Ms Low.
Call me for more info: 0166412935 Ms Low.
Credit cards are easy to own, convenient to use and help us in
emergency time.
However, repaying the debts can be difficult especially when it snowballs with interests charges and other late
penalties
Easy Payment Plan
At Smart Agent, we are introducing an Easy Payment Plan for restructuring your credit card debts.
This plan will CONVERT your OUTSTANDING credit card debts into TERM LOANS.
This is a legal service and is acceptable at all major banks in Malaysia.
The benefits of Easy Payment Plan
Normal Payment With EPP
High Interest Rate
Minimum repayment is higher at 1.5% of principal sum
On projected estimation, based on a RM10k outstanding limit, you will take 89 months to settle your debts
Lower Interest Rate
Minimum repayment is RM50 or 5% (whichever higher)of the fixed repayment amount
On projected estimation, based on a RM10k outstanding limit, you will take 36 months to settle your debts
The benefits of Easy Payment Plan
Normal Payment With EPP
If you pay lesser than your minimal amount, the bank officer will keep calling you
You will have no more cash flow left as all will be use to pay your credit card debts
Ccris record with Bank Negara due to credit card debts will make your applications for other important loans e.g home loans difficult.
You can afford to pay the significantly reduced monthly repayment, lowest at RM50 and the bank officer will not call you
Extra cash flow, can reduce debts and also use for other things
No more outstanding credit, better record at Ccris.
DIFFERENCES
(for illustration purpose only, amount
may be different)
(based on 10K Outstanding)
Normal Payment Easy-Payment Instalment
Full Payment RM10,000 RM347.22 billed monthly
(36 mth installment)
Minimum Payment RM10,000 x 5% = RM500RM347.22 x 5% = RM17.36
( Min RM50 or 5% )
If you pay RM50 or RM499,
Bank officer will keep calling
If you pay RM50,
No more disturbing calls from bank
officer
Interest Charges after minimum
payment
RM10,000 – RM500
= 9500 x 1.5%
= RM 142.50
RM347.22 – RM50
= RM 297.22 x 1.5%
= RM 4.46
Late Charges ?RM 10,000 x 1% = RM100
RM347.22 x 1%
= RM 3.47 (RM10)
Statement Balance
Statement record, Outstanding
Balance = RM10,000
Statement record, Outstanding
Balance = 0 if RM347.22 monthly
bill is paid promptly
FAQ OF EPP
This is not balance transfer or personal loans
This is what you call Balance Transfer Installment or Easy Payment Plan (Bank A to Bank A )Example : You have a Maybank credit card outstanding balance , you do not need a credit card from another bank to make program Balance Transfer Installment ( BTI ) , you only have to pay the outstanding credit card at the same bank , but the rate of interest / finance charge is lower
100% GUARANTEEDYou do not have to worry if your name is listed in CCRIS , just make sure the existing credit card is still active and can be use.
NO processing feesIf you apply for personal loans from the Bank to settle the arrears on your credit card , you will be charged a processing fees. EPP do not have processing fees.
Do NOT need a guarantor and collateralThe banking agencies will not ask you to submit a bank guarantor or collateral as banks do
NO need for any documentsThe bank agency will not ask you to submit any proof of your income ( eg salary slip) as banks do
FAQ OF EPP
Only 30 minutes to process your applicationBank requires at least a week to process your Balance Transfer request
There is no outstanding balance up to 48 months So, you can apply a new credit limit for your card or you can apply a new credit card
Reduce the burden on the minimum monthly paymentBank : 18 % @ 1.5% p.a p.mExample : Your credit card arrears of RM10 , 000 X 5 % ( minimum ) = 500.00/ month ( The minimum amount payable monthly to the bank)
BTI Program : 6 % @ 0.5 % p.a p.mExample : If arrears Your credit card is RM10 , 000/36 months = RM277.80minimum payment of our company: RM277.80 X 5 % = RM13.89 per month or RM50 ( Any higher)
Renew your records with the bank ( so you can make new loans )
Conditions of Joining
The credit card must still be ACTIVE ( can be use)Credit cards must not expire from the date given
You ( the major credit card holder ) must appear in person for verification purpose with the agent
Every Monday - Saturday 10:00 am to 6:00 pm
Documents required :
( IMPORTANT : Please bring along when coming to our office )
- Original Identity Card - Original Credit Cards- Your credit card statement, Original and the Latest.
Take action now to reduce your credit card debts!
100 % guaranteed approval
Easy and fast processing ( 30 minutes )
Fixed interest between 5-6 % per annum
36-60 MONTHS REPAYMENT
Monthly repayment BACK TO YOUR OWN ISSUING BANK
No Processing Fees
Save up to 54 % at interests charges
Reduce monthly repayment up to 48 %
Allow min payment as low as RM50.00
Instant Relief with EPP
A Maybank Card holder 3 months statements that reflect the changes once
on the Easy Payment Plan
Have a look at the differences!
Manage your debts now and reduce your stress with more cash flow!
FURTHER FAQ ABOUT SMART AGENTS
We are a service provider with more than a thousand agents in restructuring credit card debts working for a commission from the banks.
This is a valid service within the governing laws of Malaysia. It is known as the EPP or the Easy Payment Plan. This plan is more popular when you buy electrical goods in the shop of electric / electronic products , where you use your credit card to make repayments. It is called the 0 % payment scheme , Easy payment plans, etc. Just that now your debts is the ‘goods’
There is no money involve with us as we are paid directly from the bank
IF MY CARD IS “FULL LIMIT” AM I ELIGIBLE ?NO. However, there are several ways where you can get this service
SO WHAT MY CARD CREDIT BALANCE AFTER RESTRUCTURING ?Your credit card credit balance will be RM0 . CCRIS records will be clean.
How do I get this service now ?Contact us immediately
Make sure you take your last credit card payment statements and your credit card
Call me today : 016 2067763 NieCall Me Today - 016 6412935 Ms Low