Credit Card Good or Bad ?

nadimal

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  • Dec 25, 2008
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    Credit Card එකක් තියෙන එක හොදද? නරකද?

    සල්ලි නාස්තිකරන වැඩක්ද? ඉස්සර ණය පොත් කියලා තිබ්බේ කඩවල් වලින් නයට බඩු ගන්න එක මොඩිෆයි කරලා නේ මේ ණය කාඩ්පත් සීන් එක ඇවිත් තියෙන්නේ
    ණය කාඩ්පත්වල හොද නරක ගැන ඔබලාගේ අදහස් කියන්න බලන්න දැනගන්න.
    සංවාදයට....
     

    tharakaf

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  • Oct 19, 2020
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    Depends on many factors machan. Regardless of the card you get always keep in mind that you are using your money and that it is not some free shit God gave you. Many forget this and keep spending like hell till they cannot pay the bill. Always keep note of what you spend. For instance use a app like Spendee to track your daily spending so that you know how your card is been used.

    Then you need to think about the bank. The offers depends on the banks. For example Sampath/Combank give good deals for house hold goods (keells, cargills etc)/clothes and hotels. BOC is know for clothes related deals. Then HSBC offers are very complex (you spend this much for these goods and then you get this free). So you need to choose wisely. Same goes for easy payment schemes at places like Abans/Singer/Softlogic etc.

    Another thing you have to consider is the Joining fee and annual renewal fee. Sometimes these fees are way more than the benefits you get out of these cards. So need to choose wisely. And depending on your job/salary you should be able to negotiate a good deal.

    If you do the above properly you will find it very convenient. But if you do something stupid this will be a trap that you will find very hard to come out from.
     

    nadimal

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  • Dec 25, 2008
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    sahenna hodaiyi machan. godak dewal laba karagena thiyanawa. danata satha pahak poliyak bank ekata gewal naa


    api purchase karana ewata poliyak add wenne nadda ethakota?
    naththna hiden charges thiyenwad? nikan salli denna unta pissu na ne ban.

    Depends on many factors machan. Regardless of the card you get always keep in mind that you are using your money and that it is not some free shit God gave you. Many forget this and keep spending like hell till they cannot pay the bill. Always keep note of what you spend. For instance use a app like Spendee to track your daily spending so that you know how your card is been used.

    Then you need to think about the bank. The offers depends on the banks. For example Sampath/Combank give good deals for house hold goods (keells, cargills etc)/clothes and hotels. BOC is know for clothes related deals. Then HSBC offers are very complex (you spend this much for these goods and then you get this free). So you need to choose wisely. Same goes for easy payment schemes at places like Abans/Singer/Softlogic etc.

    Another thing you have to consider is the Joining fee and annual renewal fee. Sometimes these fees are way more than the benefits you get out of these cards. So need to choose wisely. And depending on your job/salary you should be able to negotiate a good deal.

    If you do the above properly you will find it very convenient. But if you do something stupid this will be a trap that you will find very hard to come out from.
    Another thing you have to consider is the Joining fee and annual renewal fee. Sometimes these fees are way more than the benefits you get out of these cards.

    matah meka thamai thiyena prashne
    ehema baluwoth fee aduma eka mokkda ban ?
     
    Last edited:

    tharakaf

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  • Oct 19, 2020
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    api purchase karana ewata poliyak add wenne nadda ethakota?
    naththna hiden charges thiyenwad? nikan salli denna unta pissu na ne ban.


    Another thing you have to consider is the Joining fee and annual renewal fee. Sometimes these fees are way more than the benefits you get out of these cards.

    matah meka thamai thiyena prashne
    ehema baluwoth fee aduma eka mokkda ban ?
    You have to negotiate machan. It depends on your salary/workplace etc. I have had instances when they come and say that joining fee and first year fee waived off etc. Also when the card category changes the price changes.

    Another way of looking at this is are you OK to pay 4k every year for the ease introduced to your life by using CCs. It is not always about the value you can measure :-).
     

    isuru_

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  • Apr 26, 2011
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    Good or bad wenne thaman use karana widiya anuwa. menna mewa gana igenagena pawichi karanna.

    1. Discounts
    2. 55 days wenakan poliyak nathuwa salli gewanne nathuwa enne kohomada (2 salary)
    3. Zero interest installment payment wala dena total ekata wada samaharawiya cash total eka adui

    Background eka study karanna wise widiyata use karanna.
     

    Hyaenidae

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  • Apr 8, 2015
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    Annual fee එකක් ගෙවන්න එපායැ පාවිච්චි කළත් නැතත් ?
     

    Hyaenidae

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  • Apr 8, 2015
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    annual fee nuthuwa samahara card ganna puluwan :rolleyes:

    මොකේද එහෙම දෙන්නෙ?
    අවුරුද්දට 1500-2500 ගෙවන්න වෙනවනෙ පාවිච්චි කළත් නැතත් හැම ක්‍රෙඩිට් කාඩ් එකටම වගේ.
    කවුරුවත් ඒක අවාසියක් කියන්නෑ හැබැයි :oops:
     

    Ashan052

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  • Dec 31, 2010
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    adala nene
    මොකේද එහෙම දෙන්නෙ?
    අවුරුද්දට 1500-2500 ගෙවන්න වෙනවනෙ හැම ක්‍රෙඩිට් කාඩ් එකටම වගේ.
    කවුරුවත් ඒක අවාසියක් කියන්නෑ හැබැයි :oops:
    HSBC ekkak hamba una dn 2yrs thama annual kepune ne (kepenne ne kiyala dunne IESL membership ekata) :rolleyes:
    kohomath credit card eka pawichchi karanwa kiyanne oya annual fee ekata hariyanna weda gannawa kiyana eka ;)
     

    Hyaenidae

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  • Apr 8, 2015
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    HSBC ekkak hamba una dn 2yrs thama annual kepune ne (kepenne ne kiyala dunne IESL membership ekata) :rolleyes:

    හැමෝටම එහෙම ගන්න බෑනෙ
    SC Platinum Privilege එකක් බලෙන් ඇඟේ ගහල ගියා පස්සෙ බලද්දි 5000 ද කොහෙදෝ annual fee.
    Active කළේ වත් නෑ කාඩ් එක :lol:
     
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    Ashan052

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  • Dec 31, 2010
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    adala nene
    හැමෝටම එහෙම ගන්න බෑනෙ
    SC Platinum Privilege එකක් බලෙන් ඇඟේ ගහල ගියා පස්සෙ බලද්දි 5000 ද කොහෙදෝ annual fee.
    Active කළේ වත් නෑ කාඩ් එක :lol:
    oo eka aeththa :yes:
    sampath platinum eka nm 2900 ne