【念念有辞】刮完民脂民膏，再刮“卡”脂“卡”膏？
Article published on the Website of Chinese newspaper Chinapress.com.my
你有多少张信用卡？我有两张。一张本地银行发放一张国际银行发放，一张visa卡一张万事达卡。
使用信用卡是我2001年去英国念书时养成的习惯。我在外国念书时曾有钱包被偷的经验，当时就发现使用信用卡是减少携带现金的好方法。如此一来就算钱包被偷，损失也不会很大。
到今天，信用卡已经成了生活的必需品。汽车添油、购物用餐，我都是能用卡时就用卡，这样既可以避免重复到提款机取钱，购买贵重物件时也不用携带大笔现金出门。
虽然使用信用卡已有8年的时间，我可从没让银行多赚我一分钱，永远都是准时还钱，不拖不欠。我想，我应该还算得上是个精明的消费者吧？
可是，从明年开始，中央政府将对每张信用卡增收RM50的服务费。和多数人一样，我也陷入了停卡或不停卡的烦恼：究竟是减卡比较精明？还是继续持卡比较符合首相所致力推广的精明消费？
我能够明白中央政府企图管制信用卡的用心良苦。台湾因为卡奴的涌现而致使许多银行不得不雇用“外人”催收，结果导致诸多暴力讨债事件。在美国，信用卡未偿余额高达2.57万亿美元，平均每个持卡人欠债8400美元，导致许多银行面对财务困境。信用卡赊账问题如果不尽早控制，坏账问题将严重影响整个金融体系，韩国就有不少银行因为呆账问题而面临破产的威胁。
可是，对每张信用卡增收RM50的服务费是否就是控制信用卡赊账问题的良药呢？这RM50的收费是针对所有信用卡持卡人，不管你过往的付款记录是否良好。这无疑是在变相惩罚那些善用信用卡的精明消费人。而对那些赊账累累的不精明消费人来说，这RM50的收费对比4至5位数的赊账却又不免显得不痛不痒。
首相说所以人民不应该再斤斤计较这RM50的服务费，因为明年的预算案已经将个人所得税的口税额从8000令吉增加到9000令吉，也已将最高征税率减低至２６％。然而，这两项糖果政策惠及的只是180万名纳税人。那些非纳税人的持卡人，怎么办？
更重要的是，国家政策不是算数，不是说你给了我这么多就可以理所当然的拿走这么多。每项政策都需要有其正确性、合理性和有效性。而这些，正是在这新政策中缺席的。
信用卡不是不该管，只是应该怎么管。RM50的服务费只能是病急乱投医！
文章发表于2009年11月3日的《中国报》
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Malaysian Bar Council 
Official Website of Parliament 【马来西亚国会】 
1樓
1樓搶頭香
Another lebih policy by Najis. It's a back dated
policy. In modern days, transactions are no longer
much done by cash. Mostly credit card or even
online transaction. The government should find more
ways to get eligible people to pay their tax, not
creating outdated tax scheme for people. Credit
card is convenient and safer for us to go out
without carrying cash. We should be given 2 free
charges, 1 visa and 1 master.
2樓
2樓頸推
Financial planning need to be taught as a subject in primary school.
BTW, I thought you won't get into debt with debit card ...
3樓
3樓坐沙發
the charges slapped is for credit cards users , so i assume
debit cards users won't be slapped with the RM50 tax charge ????
4樓
福樓
The total number of principal and supplementary
cards in Malaysia was 8.22 million and 1.15
million respectively. Apply the 2 tax and the
total additional collection is a whopping RM440
million taken out from circulation hence the
multiplier effect
If you want to control credit card debts, more
effective measures would be to impose stricter
guidelines on qualification, credit limits of
cardholders and limit the number of cards held.
Not by increasing the financial burden of all
cardholders, whether they are having a debt
problem or not.
5樓
專業的5樓
pure credit card companies like MBf card is
going to suffer and gawd knows to what extend.
Unlike Maybank etc which has corporate and
consumer banking business, MBf depends on cards
alone and also the support from commercial bank
it is tied up to.
when consumer cut backs on credit cards, banks
would demand mechants to give more perks and
offers but at the same time, might resort to
other methods to recoup these cost.
6樓
6樓
ultimately, it is not about controlling credit
card debts, it is about collecting more money
from the public...from 5% GST to coming fuel
subsidy and GST...election warchest or just to
fund the dividend payment of the ASNs?
7樓
7樓
I registered a financial planning course in KL last
month. It cost me $900 and I paid by credit card. I
already had the $900 be ready in my savings account
to pay when the credit card bill is due. Imagine if
I pay by cash where I have to travel to KL to make
payment from my home in Shah Alam. All I need to do
is to fill up the form and sign with credit card
number and fax to the college. So convenient and
save my travelling cost. So I don't see that I have
any financial planning problem and I definately not
getting myself into debt with credit card
8樓
8樓
if one is without CC , would not be able to make online purchases.
depend on bank to issue banker's cheque , imagine if i'm working
must make use of lunch time to go bank & buy banker's cheque
just to make payment , by the time when i finish queueing at the
bank, its time for me to go back to work as a hungry man.
9樓
9樓
Didn't you pay annual fees to use your credit cards when you are
in UK? There are some without annual fees. But my point is that,
why the government slapped the 50 bucks fees onto the consumers
directly?
Why don't the government tax the banks and have the banks
compete on the how much the annual fees should be? Banks that
have great benefits and low rates, have more users. Banks that
don't stand a chance, let them bankrupt. It is really a simple
solution, unless these banks can't stand competition.
Come on, do you really think the government really cares about
us building debt? Look at the countries you listed above. They
have better economy than us. Debt is what moves the country's
economy. Najib even admitted (how stupid can this be), the 50
bucks is to help to reduce his budget deficit. Which government
on earth tell the people that his government has overspent and
needs the people to pay for it as directly as Najib?
10樓
10樓
馬來西亞是少數還讓銀行可征收信用卡年利達佰份之十八的國
家，試問咱們的1 Malaysia可否有想過限制下這種有牌大耳窿
的窿窿罅罅嗎？
十八巴仙的利息收入，有牌大耳窿不用信用卡來放貴利的話，真
的是笨到無話可講！
騎驢看唱本﹍﹍希望民聯別讓這種劫貧濟富的愚民政策繼續發
酵、莫等到死人兼崩屋時才出聲。
十八巴仙的年利再加上RM50 per card，請替百萬卡奴伸張正義
吧！
想出這種本末倒置政策的廢才真係不食人間煙火！
11樓
11樓
From what I have known, due to high competition
among creditors, credit card in the US no longer
charging annual fees for quite some time. Annual
fees is for those who didn't have certain number of
transactions within a year.
12樓
12樓
Gartha, I think I was not required to pay annual fee when I was
in UK. Otherwise I would not have used the credit card. I was a
poor student, so would not spend any unnecessary money.
I agree with the suggestions above. Govt should regulate the
banks, or those who over spend. Not each and every cardholders.
The policy itself is insane.
Glad to know that the govt is reviewing the budget. I hope they
will review this policy too