CREDIT CARD වලින් අපිට වාසි ගේන විදිහ

CustomerSupport

Well-known member
  • Mar 21, 2016
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    එතකොට මචන් අපිට ශොපින්ග් වලට නැතුව අතට සල්ලි ටිකක් ගන්න ඕනේ උනොත් ඔය ක්‍රෙඩිට් කාඩ් එකෙන් ATM එක හරහා සල්ලි ගන්න පුලුවන්ද? ඩෙබිට් කාඩ් එකෙන් කරනවා වගේ

    Cash gaththoth interest wadinawa gaththa dawase idala. Cash Hanna epa.
     

    tintin4

    Member
    Dec 20, 2017
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    Stamp duty gewwama aparade





    Stamp duty on credit cards and double taxation

    If you are a monthly wage earner and if you settle your credit card bill by withdrawing your money from your bank account please consider the following:

    According to the new stamp duty on credit cards, the government will charge Rs.10 for every Rs 1000 spent. So even if you spent just Rs 1 they will charge Rs 10. Similarly if your bill is Rs 1,250 they will charge Rs 20. It's not a percentage on the amount spent, rather a slab base rate. When you withdraw from banks, there is a debit tax of 0.1 percent and when you withdraw to pay the credit card bill, you are taxed twice, once with stamp duty and once with debit tax. So under the current situation it is much better to give cash for your transactions than using your credit card.

    Further if you pay your lease installment (probably applicable for loans as well) with your credit card this becomes worse. The government has imposed stamp duty of 0.1 percent on receipts (only if a receipt is issued to you by the receiver), and there is a tax in your lease installment. So this will add up to three times taxation if you pay your installment through a credit card and then settle the credit card bill by withdrawing from your bank account. It's very ironic how our government thinks. While the rest of the world is trying to reduce fraud and theft by introducing non-cash based transactions such as use of credit cards and on line payments, here they discourage use of credit cards. Simply pathetic
     
    Last edited:

    tintin4

    Member
    Dec 20, 2017
    272
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    Credit Cards
    Introduction of 3.5% of Nation Building Tax (NBT) in place of existing Stamp duty, on all foreign payments made by using any Credit Cards and Debit Cards. This will be made effective from June 1st 2019.
     

    geeko

    Well-known member
  • Mar 18, 2013
    6,464
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    Cash gaththoth interest wadinawa gaththa dawase idala. Cash Hanna epa.

    ok machan. ethakota commercial bank eke fd eke 5 lakhs thiyenawanam uparima credit limit eka kiyaka vage card ekak hadanna puluwanda. 50% da
     
    Last edited:

    SHEHAN_GIWANTHA

    Well-known member
  • Dec 24, 2013
    10,356
    8,983
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    ok machan. ethakota commercial bank eke fd eke 5 lakhs thiyenawanam uparima credit limit eka kiyaka vage card ekak hadanna puluwanda. 50% da

    Com bank eken 5 laks withdraw karala hsbc dapan
    hsbc advanced CC1 ganna puluwan. Loku credit limit1 dei
     

    dilshan87

    Well-known member
  • Apr 1, 2008
    10,496
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    Moratuwa
    Stamp duty on credit cards and double taxation

    If you are a monthly wage earner and if you settle your credit card bill by withdrawing your money from your bank account please consider the following:

    According to the new stamp duty on credit cards, the government will charge Rs.10 for every Rs 1000 spent. So even if you spent just Rs 1 they will charge Rs 10. Similarly if your bill is Rs 1,250 they will charge Rs 20. It's not a percentage on the amount spent, rather a slab base rate. When you withdraw from banks, there is a debit tax of 0.1 percent and when you withdraw to pay the credit card bill, you are taxed twice, once with stamp duty and once with debit tax. So under the current situation it is much better to give cash for your transactions than using your credit card.

    Further if you pay your lease installment (probably applicable for loans as well) with your credit card this becomes worse. The government has imposed stamp duty of 0.1 percent on receipts (only if a receipt is issued to you by the receiver), and there is a tax in your lease installment. So this will add up to three times taxation if you pay your installment through a credit card and then settle the credit card bill by withdrawing from your bank account. It's very ironic how our government thinks. While the rest of the world is trying to reduce fraud and theft by introducing non-cash based transactions such as use of credit cards and on line payments, here they discourage use of credit cards. Simply pathetic

    Credit Cards
    Introduction of 3.5% of Nation Building Tax (NBT) in place of existing Stamp duty, on all foreign payments made by using any Credit Cards and Debit Cards. This will be made effective from June 1st 2019.


    Stamp Duty wadinne Foreign Transactions walata witharai.
     

    හදයා

    Well-known member
  • Oct 14, 2011
    2,648
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    ඊලගට මන් කියන්න හදන්නෙ කොහොමද මේ credit card එකෙන් ප්‍රයෝජනවත් වැඩක් කරගන්නෙ කියල. ඉදිනෙදා පරිබෝජන අවශ්‍යතා වලට card එක යොදා ගන්න පුලුවන් උනාට මම නම් ඒක ඒතරම් අනුමත කරන්නෙ නෑ.
    මචන්, ගොඩක් ක්‍රෙඩිට් කාර්ඩ් වලට loyalty rewards හම්බෙනවා, අපි කරන වියදම් වලට. උදාහරණයකට commercial bank එකේ තියෙනවා Max Rewards කියල, උන්ගේ ක්‍රෙඩිට් කාඩ් වලින් කරන payments වලට උන් අපිට points දෙනවා. ඒ points කියන්නේ සල්ලි. Points 1000ක් එකතු උනොත් උබට පුළුවන් Keells හරි උන් කියල තියෙන partners ලගෙන් vouchers ගන්න.. ඉතින් හොදම දේ, අපි කරන හැම වියදමක්ම ක්‍රෙඩිට් කාඩ් එකෙන් කරලා, points redeem කරන එක.. මොකද ඕනෙම ක්‍රෙඩිට් කාඩ් එකක annual fee එක 2500/= වත් වෙනවා. අපිට ඒ ගාන හරි කවර් කරගන්න පුළුවන්, උන්ගේම points පාවිච්චි කරලා..නැත්නම් අපරාදේ..

    උබ කියනවා වගේ අනවශ්‍ය විදිහට වියදම් වෙනවා කියල හිතෙනවා නම්, ක්‍රෙඩිට් කාඩ් එකෙන් ගෙවල, ඒ වෙලාවේම ඒ ගාන settle කරන්න පුළුවන් online app එකෙන්..
     
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    lankawmlp

    Well-known member
  • Dec 15, 2013
    2,618
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    ඇස් දෙකට අමරුයි පාට වෙනස් කරපන්කෝ
     

    ArnoDorian

    Well-known member
  • Jul 25, 2017
    809
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    what is the best CreditCard? ComBank/Hnb/HSBC/Sampath etc....
    Mostly hoping to buy electronics in installments.
     

    පොඩ්ඩා

    Well-known member
  • Nov 2, 2011
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    ===() කියන්න බෑ () ===
    මචන්, ගොඩක් ක්‍රෙඩිට් කාර්ඩ් වලට loyalty rewards හම්බෙනවා, අපි කරන වියදම් වලට. උදාහරණයකට commercial bank එකේ තියෙනවා Max Rewards කියල, උන්ගේ ක්‍රෙඩිට් කාඩ් වලින් කරන payments වලට උන් අපිට points දෙනවා. ඒ points කියන්නේ සල්ලි. Points 1000ක් එකතු උනොත් උබට පුළුවන් Keells හරි උන් කියල තියෙන partners ලගෙන් vouchers ගන්න.. ඉතින් හොදම දේ, අපි කරන හැම වියදමක්ම ක්‍රෙඩිට් කාඩ් එකෙන් කරලා, points redeem කරන එක.. මොකද ඕනෙම ක්‍රෙඩිට් කාඩ් එකක annual fee එක 2500/= වත් වෙනවා. අපිට ඒ ගාන හරි කවර් කරගන්න පුළුවන්, උන්ගේම points පාවිච්චි කරලා..නැත්නම් අපරාදේ..

    උබ කියනවා වගේ අනවශ්‍ය විදිහට වියදම් වෙනවා කියල හිතෙනවා නම්, ක්‍රෙඩිට් කාඩ් එකෙන් ගෙවල, ඒ වෙලාවේම ඒ ගාන settle කරන්න පුළුවන් online app එකෙන්..
    dan point denne naa. eka auruddakata withara kalin nawaththuwa.