💳 පුළුවන් උන් CREDIT CARD එකක් ගනිල්ලා 💳

[shameera89]

Ado visa card ekak aran thiyaganin bn..

Sampath VISA thiyenava ban aththatama Salli Saving eke thibune naha edaa...


Salli nathi bawa kiyanna giyeth naha. Man hithuve accept karai kiyalamai

 

[SHEHAN_GIWANTHA]

ගෙවන මුල්ම ගෙවීම් යන්නෙ අනුපිලිවෙලකට.
1. කලින් බිලට දඩ තියෙනව නම් ඒව කපනව.
2. කලින් බිලට පොලිය තියෙනව නම් ඒක
3. බැංකුව අයකරන ගාස්තු
3. වාරික ගෙවීම්
4. බිල් පතේ අවම ගෙවීම
5. බිල්පතේ ඉතිරිය

 

[kalhara96]

මගෙ තියන්නෙ NTB, මුලින්ම ගද්දි Credit limit එක 35000 කවදාවත් limit එක වැඩි කරන්න කියලා call කරලවත් කියල නෑ දැන් Credit limit එක 600k

Same here, combank
habai Mama nam aragena 1 year walata passe online banking walin request ekak damma ma thamai 600K kale

 

[SHEHAN_GIWANTHA]

Umbala affinity card aran tiyenawada?

 

[Tharaka_x]

බම්ප්

 

[tharakaf]

දැන් රට යන තත්ත්වෙත් එක්ක බඩු වල ගණන් ආයේ අඩු වෙඉ කියලා හිතන්න බෑ. ඉතිං නිකමට හිතමු ගෙදර තියෙන ෆ්‍රිජ් එක, ටීවී එක, වොෂින් මැෂින් එක, රෛස් කුකර් එක, බ්ලෙන්ඩර් එක, උණු වතුර කේතලේ, ගෑස්/ඉන්ඩක්ෂන් කුකර් එක වගේ නිතර පාවිච්චි කරන බාන්ඩයක් අතේ සල්ලි නැති හෝ අතේ තියෙන සල්ලි වලින් වෙන වැඩක් කරන්න ඉන්න වෙලාවක කැඩුනොත් කොහොමද එක පාරට ගන්නේ? දැන් බැංකු වල ණය පොලී අනුපාත වැඩි කරලා. හදිසියකට ඉල්ලගන්නවත් කෙනෙක් නැති උනොත්?

හිතලා බලන්න නිකමට ඔයාගේ අතේ ක්‍රෙඩිට් කාඩ් එකක් තිබ්බොත් තමන්ට ඕනේ කරන බාන්ඩේ වාරික ක්‍රමේට ගෙවන්න ගන්න පුළුවන්. තමන්ගේ පඩිය වැටෙනකන් හදිස්සියට කඩේකින් බඩු ටිකක් හරි ගන්න පුළුවන්.

කථාව හරිම සුන්දරෛ වගේ නේද පෙන්නේ? මේ ක්‍රමේ හරියන්නේ ණයක් වගකීමක් ඇතුව හසුරවන්න පුළුවන් කෙනෙක්ට විතරෛ. වැඩේ හරියට කරන්න බැරිනං ක්‍රෙඩිට් කාඩ් අරං නිකන් කබලෙන් ලිපට වැටෙන්න එපා.

වැඩි විස්තර පහල තියෙන ත්‍රෙඩ් එකෙන් බලා ගන්න.

එළකිරි ක්රෙඩිට් කාඩ් මෙගා ත්රෙඩ්

Can go both ways machan. If you don't manage your expenses you will over spend and get in to a debt trap.

There are 2 reasons I use CCs

1. Easy payments - Manage the outflow without spending a bulk and diminishing my reserves
2. Cashless transactions - I don't like carrying too much of money. So CC makes my purse much smaller and easier for me to use

But I always make sure I keep my spending under control. Another thing I always try to follow is to keep my spending at a rate so that if I loose my job I will not be additionally pressured to find a higher paying job to fund my spending.


I once forgot to pay my Sampath card (very small amount) and those fuckers had added a late payment fee + a interest to my next payment. So you always need to be careful when using CC cards.

 

[SHEHAN_GIWANTHA]

Can go both ways machan. If you don't manage your expenses you will over spend and get in to a debt trap.

There are 2 reasons I use CCs

1. Easy payments - Manage the outflow without spending a bulk and diminishing my reserves
2. Cashless transactions - I don't like carrying too much of money. So CC makes my purse much smaller and easier for me to use

But I always make sure I keep my spending under control. Another thing I always try to follow is to keep my spending at a rate so that if I loose my job I will not be additionally pressured to find a higher paying job to fund my spending.


I once forgot to pay my Sampath card (very small amount) and those fuckers had added a late payment fee + a interest to my next payment. So you always need to be careful when using CC cards.

Thanks for sharing your valuable experiences. I also agreed with you

---

Machanla podi deyak thiyenawa danaganna Playinum card ekak tiyenawa nan gold ekakata sapekshawa credit limit1 wadi karaganna request kalama eka accept karana possibility eka wadi neda?
------ Post added on Jan 23, 2022 at 10:53 PM

 

[kalhara96]

I once forgot to pay my Sampath card (very small amount) and those fuckers had added a late payment fee + a interest to my next payment. So you always need to be careful when using CC cards.

ComBank has this CC auto settlement facility, don't know about other banks.
Once set up, they will settle the CC bill from our savings account each month automatically based on the settlement percentage specified by us.

 

[slickdeath]

Itn bn ganna salli neththam ai nayata ganne. E kiyanne ubata e baduwa ganna salli ne kiyalane

 

[awjas2621]

 

[tharakaf]

Thanks for sharing your valuable experiences. I also agreed with you

---

Machanla podi deyak thiyenawa danaganna Playinum card ekak tiyenawa nan gold ekakata sapekshawa credit limit1 wadi karaganna request kalama eka accept karana possibility eka wadi neda?
------ Post added on Jan 23, 2022 at 10:53 PM

Everything depends on your salary and the bank machan. I have noticed that Sampath is very strict with credit limits but HSBC Cmombank aren't like that.

ComBank has this CC auto settlement facility, don't know about other banks.
Once set up, they will settle the CC bill from our savings account each month automatically based on the settlement percentage specified by us.

Yeah they have it. But I prefer to do it manually. This is the first thing I do when I get the salary. But since I have 4 cards I just missed Sampath bank not once but twice

---

Itn bn ganna salli neththam ai nayata ganne. E kiyanne ubata e baduwa ganna salli ne kiyalane

If you want something why not buy it by funding it over the years? Also there is this concept of buying stuff and paying in parts (easy payements) because over time the value of LKR is going down. So ultimately what you pay will not be that much.

Eg: say you pay 10k a month for 24 months. The value of 10k you pay this month might be something like 6K in value in 24 months time due to the inflation and shit.
------ Post added on Jan 24, 2022 at 12:24 AM

 

[SHEHAN_GIWANTHA]

Itn bn ganna salli neththam ai nayata ganne. E kiyanne ubata e baduwa ganna salli ne kiyalane

Salli na kiyanne e baduwa one na kiyane de nemeine

 

[sandaru1rox]

HSBC and NDB thiyenawa. Annual Fee nathi wena ekak set unoth ganna thama inne

 

[hrm]

Has only one credit card for the past 12-13 years. HSBC Visa Platinum. No annual fee. 1M.

 

[kolavari]

කෙඩිට් කාඩ් එකකුත් තිබිලා අවස්ය බඩු ගන්න ලංකාවෙ නැති උනොත් මොකො කරන්නෙ

Podiyata kada kaallakuth daganna

.....

Mata nm eka card ekai thiyenne..peoples bank eka athal ekata gatthu ekak..limit eka 250k da koheda...

Sampath bank ekata apply karaa...dunne na...

 

[SHEHAN_GIWANTHA]

Has only one credit card for the past 12-13 years. HSBC Visa Platinum. No annual fee. 1M.

Why no annual fee?
They have cut down all the perks of this card & now it sucks

 

[hrm]

Why no annual fee?
They have cut down all the perks of this card & now it sucks

HSBC advance customers get annual fees waived. I didn't apply for the card rather they issued.

 

[nash95]

me dawas wala apply karanna annual fee life time off cards monawada thiyenne?
HSBC, COM, SAMPATH wage

 

[London Mahathun]

Foreign employed applicants

• 100% security deposit from Foreign currency account.
• 100% standing order instructions from Foreign currency account in order to recover the dues.
• Letter of set-off.
• CBSL declaration form

Sampath eken online apply karanna yaddi mehema eka email karala thibba. mewa monawada

 

[SHEHAN_GIWANTHA]

Foreign employed applicants

• 100% security deposit from Foreign currency account.
• 100% standing order instructions from Foreign currency account in order to recover the dues.
• Letter of set-off.
• CBSL declaration form

Sampath eken online apply karanna yaddi mehema eka email karala thibba. mewa monawada

Mewa nan credit card ekak gaddi one wenne na