EzPayment2U.Com - (Visi Sufi Enterprise / )

Transcription

1 Customer must bring along EzPayment2U.Com - Credit Card (Principle Card & Supplementary card) I/C Latest Credit Card Statement Kind of Customers Settle credit card outstanding problems Cash Withdraw / Cash Advance Settle credit card outstanding problems and cash withdrawal FAQ Frequently Ask Questions Who Should Apply for Easy Payment Plan? o People who need to pay outstanding balance with lower interest rate o People who need cash advance and payback with lower interest o People who need cash urgently to expand their business o People who are not eligible for loan o People who need to facilitate easy payment scheme for their potential customers What kind of company EzPayment2U is? We are neither Ah Long / loan shark nor we are banks or any financial institution, EzPayment2U is a company which offering facilities related to easy payment plan for personal and commercial uses. Why consumers choose EzPayment2U? Refer benefits of doing Installment. How can EzPayment2U help me in restructuring my credit card? We will convert all your outstanding balance into Easy Payment 0% Interest Installment Plan so that you can reduce your payment amount every month and settle your outstanding balance in shorter period. Do we need to pay anything to EzPayment2U? There is one time need to be paid (charged from credit card), After that NO maintenance fee, NO extra charges, NO hidden cost. How long to get approval? Cash Advance from credit card: Normally within 3 hours (per case basis) Credit Card Refinance / Restructure: Normally within 5 days (per case basis) UPDATED July 2010 EzPayment2U / YM/Skype: ezpayment2u Page 1 of 13

2 Comparison between Normal Credit Card Rates with Easy Payment Plan 12 mth 24 mth 36 mth Monthly Monthly Monthly Normal Credit Card Interest Rate 18% 1.5% 36% 1.5% 54% 1.5% 0% (1.08%) 0% (0.83%) 0% (0.75%) EPP Rate 0% 0% ONLY 0% 10% () (13%) (20%) p.a. (27%) ONLY 9% p.a. SAVE 5% 16% 27% * Normal interest rate per annum from bank is 18% ** EPP Rate used in this calculation example is actually a one time processing fee payment, rate is on average, different bank different rate, please consult with EPP Bank Easy Payment Plan (EPP) Minimum Payment RM10,000 x 5% = RM500 RM10,000 / 36 = RM RM x 5% = RM13.89 RM50 or 5% RM50 or RM499 Bank officer will keep calling RM50 No call from bank officer Interest Charges after min payment RM10,000 RM500 = RM9500 x 1.5% = RM142.5 RM RM50 = RM x 1.5% = RM3.42 Late Charges RM10,000 x 1% = RM100 RM x 1% = RM2.78 (RM10) Statement Balance Statement record outstanding balance Statement record outstanding balance RM10,000 RM monthly Repayment Period 89 months to settle all outstanding 36 months to settle all outstanding UPDATED July 2010 EzPayment2U / YM/Skype: ezpayment2u Page 2 of 13

3 Benefits of transfer 1) Saving up to 12% interest per annum 2) Reduce minimum payment up to 44.4% 3) Able to settle the outstanding balance within 3 years 4) Allow to pay for the minimum payment of the monthly installment 5) Refresh record for increasing credit limit 6) Can save 6.5% before processing ( minimum payment 5% and interest 1.5% ) 7) 100% approval ** 8) No cash advance fee 9) Collect points 10) Allow transfer from one bank to another bank or within the same bank. 11) In case of early settlement, some bank only charge around RM50 and RM100, some may not charge at all * 100% Approval is subjects to the credit card is active or temporary block only * Not applicable for those credit card is Permanent Block and Cancelled Calculation Formula Amount (RM) (%) (RM) = Paid (RM) Monthly Installment = Amount / Installment Months SCENARIO 1 = RM8400 = 16% for 24 months =RM1600 = RM8400 Monthly Installment = (%) RM1600 RM8400 = 0 / 24 months = RM monthly UPDATED July 2010 EzPayment2U / YM/Skype: ezpayment2u Page 3 of 13

4 SCENARIO 2 = RM9799 Monthly Installment = 16% for 24 months =RM1600 = RM9800 = (%) RM1600 RM9800 = (- RM1400) Customer pay to EzPayment2U RM1400 / 24 months = RM monthly SCENARIO 3 = RM6000 = RM6015 = RM6000 = 16% for 24 months =RM960 = RM6020 Monthly Installment = (%) = RM6000 RM960 RM6020 = (- RM980) Customer pay to EzPayment2U RM980 = RM6000 / 24 months = RM250 monthly UPDATED July 2010 EzPayment2U / YM/Skype: ezpayment2u Page 4 of 13

5 SCENARIO 4 Limit Hold for Easy Payment Limit Hold for Cash on Call = RM2500 = RM3500 = RM1000 = Credit Limit Limit Hold RM3500 RM1000 = RM5500 = 11% for 12 months =RM605 = RM2500 = (%) = RM5500 RM605 RM2500 = RM2395 EzPayment2U pay to customer RM2395 This cardholder has limit freezing on easy payment and cash on call Limit Hold for this case cannot do early settlement Amount = Credit Limit Limit Hold RM10000 RM3500 RM1000 = RM5500 SCENARIO 5 = RM7800 = 19% for 36 months = RM1900 = RM780 + RM7020 = (%) RM1900 RM7800 = RM300 EzPayment2U pay to customer RM300 This card has been temporary block by the bank Minimum payment for activate back the card is RM780 Company will do 2 times for the settlement First is RM780 and second settlement is RM7020 UPDATED July 2010 EzPayment2U / YM/Skype: ezpayment2u Page 5 of 13

6 SCENARIO 6 CCE = RM15000 = RM0 = RM5000 = 11% for 12 months =RM550 = RM0 = (%) = RM5000 RM550 RM0 = RM4450 EzPayment2U pay to customer RM4450 This card have credit limit of RM15000 But the cardholder only wants to do cash advance out for installment plan for RM5000 SCENARIO 7 = RM30000 = RM29500 = RM15000 = 14% for 18 months =RM2100 = RM14500 = (%) = RM15000 RM1950 RM14500 = - (RM1600) Customer pay to EzPayment2U RM1600 This card have credit limit of RM30000 But the cardholder only wants to do the installment amount for RM15000 only Depends on the cardholder budget for the upfront interest UPDATED July 2010 EzPayment2U / YM/Skype: ezpayment2u Page 6 of 13

7 SCENARIO 8 = RM20000 = RM20100 = 16% for 24 months =RM1600 = RM10100 = (%) RM1600 RM10100 = - (RM1700) Customer pay to EzPayment2U RM1700 This card over limit But the cardholder only wants to do the installment amount for RM10000 only Depends on the cardholder budget for the interest UPDATED July 2010 EzPayment2U / YM/Skype: ezpayment2u Page 7 of 13

8 CUSTOMER SERVICE PHONE NO EzPayment2U.Com - Bank Contact Short Cut Key AFFIN ALLIANCE H 0 AMBANK H CIMB / 88 1 CITIBANK H 2 Card No EON / HSBC # HL H ISLAM I/C NO MBB (Platinum) MBF H 0 OCBC Card No PBB (Platinum) 1 H 8 RHB S/CHARTERED UOB MOBILE MONEY / 7 / 8 Transaction EPP36# #1000# SEND TO EPP[easypaymentperiod]#[merchantno]#[amount] #[pincode] Checking Pin Code MMPIN SENT TO H UPDATED July 2010 EzPayment2U / YM/Skype: ezpayment2u Page 8 of 13

9 SAMPLE TRANSACTION SLIP EzPayment2U.Com - UPDATED July 2010 EzPayment2U / YM/Skype: ezpayment2u Page 10 of 13

10 UPDATED July 2010 EzPayment2U / YM/Skype: ezpayment2u Page 11 of 13

11 SAMPLE TRANSACTION SLIP & STATEMENT RECEIVED UPDATED July 2010 EzPayment2U / YM/Skype: ezpayment2u Page 12 of 13

12 UPDATED July 2010 EzPayment2U / YM/Skype: ezpayment2u Page 13 of 13