Bank Yang Sengal Part 2

Another sambungan, another post!!

Sambung gik. Nak habaqlah dengan betapa susahnya nak apply for persona loan ni coz involve so many damn documents and bla, bla, bla, lama2 niat aku nak beli motor pon makin luntur. Apa bleh buat. Aku decide lebih baik aku kumpul duit sendiri jek. Tahun depan je aku beli cash. Insyaallah. Untung2 motor idaman aku pon time tu dah turun harga. Banyak upside to be considered that i thought over that decision. But that decision not before my last personal loan application with, Maybank.

Maybank Personal Loan: Maybank provide the second best rate yang aku eligible. So decision to apply there was inevitable. So dah isi borang lengkap sume, antor ler kar branch SS14 tu. Tapi lepas antar still rasa x sedap hati. Dunno why. Maybe for the fact the loan require 2 weeks processing time. MMM..After 15 minutes, i retracted back my form. Elokla diretract coz kalo lepas, aku xleh nak cancel coz dah sign bagai. So it was a wise decision.

Around this time, IPhone baru launched kat Maxis and Digi. So with perasaan nak beli motor dah luntur, datang plak semangat nak beli enset baru. MMmm.. Nanti aku cite detail2 pasal ni in another post but the story i want to brought was my credit card application. I was actually tried my best not to apply for one but my need called. Being 26, credit card is another savior for hard times. Mana tau keta rosak ke, apa ke. Xkanler nak beg kat orang suh pinjam. Sungguhler segan.
So began my hunt for a credit card.

CIMB CC: X mau apply pon tapi time bayar hire purchase Gen2, kakak kaunter yang cun tu suruh aku apply for one. And she said having credit card is a good way to build my relationship with the bank namely CIMB so i can keep my good payment record for the future. Namely house loan. So apply, a coupe days later approve and a week afterwards, dah boleh claim the kad.

Maybank CC: Saje apply for Maybank CC for two reasons. One, diaorg ade offer good installement payment plan for etiqa car insurance. Elok ler. Nak bayar 800 sekaligus sungguhler mempokaikan. Second, they are widely accepted for easy-payment store kat Malaysia ni unlike CIMB. So saje try. Didn't get my hopes up pon. I think rejected already. Hahah

HSBC Amanah CC: Saje gak try walaupon dengar HSBC ni a bit kiasu kalo nak produce credit card. Main reason, aku nak satu kad kredit islamik and they are also widely accepted much like Maybank's.MY friend also said diaorg give a great service and i couldn't agree more. Walaupon rejected, diaorg made a personal call bgtau why kena reject and said what could i do tuk dia re-processing my application. That's a very good customer service if you ask me walaupon kita ni bukan customer diaorg lagi. Huaaa.

Alamak. Dah jadi panjang sangat plak post kali ni. Nanti aku sambung for all the resolution for the problem i had. Boleh dijadikan pengajaran kepada anda2 semua ni. Cewahh.

Current mood: Craving for dinner tapi sanggup belapor dulu semata2 nak update blog. :)

Bank yang sengal!! Part One

Another WTF ,another &%*$# !!!

Huhuh. Actually aku xdelah bengang sangat. Tapi more like in trouble. All because I had applied for credit card and personal loan around the same time, my history is in red alert according to Bank Negara. WTF?

This was actually told by the banker in HSBC. OK.Konfius already ngan cite ni? Let me summarized the story.

Mission: Beli motor.Bajet kena ada around 6K.

Loan CIMB: Applied around earlier last month.Anta Khamis petang. 24 hours processing. Saturday morning got sms saying my application rejected alredi. All smooth and done. Just like what they promised. Easy kan walaupon rejected J

Loan Easy RHB: After kecewa application loan with CIMB declined, straightaway went to RHB AU2. During that time, they were having some sort of open house. Aku masuk dapat bau jek. Diaorg x offer makan ape pon. Hahah. Not like I care. But I was mislead ngan iklan2 RHB ni. Just bring ic? Instant approval? No borang? Banyaklah ko. Banyak yang aku x puas hati ngan servis depa ni. Firstly, mamat ni racun aku prolong the tenure. Suruh amek 5 years for 6K loan. Are you kidding? Katanya lagi senang approve kalo tenure lama. By that time aku dah berbelah bagi so aku apply for 18 months instead of my initial plan, 12 months only. Sudah!!Aku approved plak for 18 months. Nak change tenure xleh. For that extra 6 months, I have to pay 400 extra for interest compare to 12 months plan. Pandai nipu!! Ok.That partly my fault but how would I know aku kena tipu mamat ni hidup2. Ok. Ni aku nak differ ngan iklan2 depa ni.

Instant approval! : Wrong!! Yes, your status is approved against checking with your credit history and that’s pretty much it. Not you loan application is approved. A lot more ‘easy’ steps to go through.

No form! : Technically yes. You don’t have to isi borang bagai instead the banker would fill it out for you using shared computer for you to see as well. Easier, yes. But it gets complicated when they ask you on the spot what ur office address, office number,bla,bla. Here I was came empty handed because the ad says no borang but yet I have to answer all this on the spot? How would I know? Better if you give me borang to fill out so I can take it home tuk isi like any other relevant bank. Jadinya, borang aku jadi x lengkap.

Easy: The most misleading slogan of all. This bank service is so bad. Pegawai yang uruskan my application should be flagged for bad service. No follow up, no phonecall whatsoever. Aku sendiri kena dtg bank tuk check status application aku. WTF? Dah pre-approved tu, ada lagi 6 days for loan processing. Mak aih. Abeh tu ape beza ko ngan bank2 lain yg ko kata easy sgt? Nak kena 6 hari lagi plak ko process. Fine then. But 6 hari berlepas, still x dengar ape2 berita. After the 12^th days, aku g sendiri branch tanya status application aku. Katanya dah pre-approved tapi still tgh process. Dey macha!!!*^#%^%%^&!!!!Memang bank tahap kampong lah lu!!!Terus aku nak cancel my application. And then I was told kenot cancel kat other branch so aku kena g branch yg aku apply tu plak kalo nak cancel n crk pegawai yg handle my app. Aiyoooooooooooooooooooooooooooooooooooooooooooo. Kena carik mat rempit yg handle aku nyer application balik? Nak xnak kena semak jadual aku tuk jumpa mamat sengal tu balik.

Ok lah..aku nak sambung keje..Nanti aku sampung lagi. Sorilah kebelakangan ni aku byk berblog ala sinetron ngan –to be continued bagai. Hahah. Apa nak wat. Manyak story. Kehkeh..

Current Mood : I hate RHB!!!Balik nanti aku nak potoshop gambo easy yang comey tu jadi gambor devil. Boleh? :P

Berbalas Blog Part 2

Another hupdate, hadap je lah ek :P

Sambung neh...

Tibe2, datang la another makcik plak. To my surprise, the reaction from the whole family was odd. It was like, 'sampai dah,aduh'. X kisahlah. KAsik tambah meriah why not. Aku lagi suka kalo meriah2 gini.

Lupa nak cite about the food. Ade roti jala+kari ayam. Sedap kari ayam tu. Very pekat. Just the way i like it. And then mee sup. Walaupon pakai bebola ayam je camne leh jadi sedap ek? ntahler. Resipi turun temurun agaknya. Ehh.Zaman dulu2 ade ke ayam ball?Hahah. Then aku try sume kuih raya kat umah tu. Yup.Aku kao datang beraya wajib test satu persatu kuih raya. Mak aih. MEmang umphh rasa home baked tu. Tempah sedozen tin la taun depan. HAhah.

Sambung gik. Aku masuk ler bilik awek aku. Jangan pikiaq bukan2 erk. Nak solat ler. Mak aih. CAm bilik budak sekolah ler pulak. Adakah ini the same girl i'm dating. Yang macam minah Emo itu? Ngan Spiderman, poster artis.Hahah. Maybe bende2 tu boleh bawak dia lena kot. Sukati lor. X kaco aku pon.Ahaks..

Afterwards, Sembang2 ngan pakcik Khairudin plak merangkap bapaknya. Story2 pasal kucing, pasal rumah kena pecah, macam2 lagi lah. Banyak gak citer. Aku memang suka dengar cite2 ni. Citer2 gosip cinta je yang aku lemau nak dengar.Hahah. Then tibe2 my girl sape kata dah kul 6.15. Mak aih. Have to be at the office at 7. Better move on. Dalam rushing2 tu sempat gak bagi duit raya and said goodbye to the folks. Kenalah beradab okay. Ngeh,ngeh. But tengah dalam keta tu terpikir plak aku kurang bercakap ngan maknya. Aunty Liza. Mmmmhm.Maybe next time bulih kot bercerita panjang. My girl said she's pretty much like her mom so better learn from her la serba serbi.hehe.

Overall, it was pleasant visit. Everyone was fun. Adik was kinda like a riot while Abby was, well,got teased a lot. This whole family reminded me of my own family 10-15 years ago when the whole family gathered around together during weekend and joked around. Not anymore la skrg. But once in while time special occasion, meriah gak ler. Yelah. Sepuluh adik beradik ngan adik tiri gik,few toddlers...Mana x meriah!!!


Okay. Aku nak story takat tu ajelah. Story pasal dia visit umah abg aku,aku cite lain. Aku nak makan ABC aku plak ni. Beli tadi x makan gik. Kang cair, jadi Air Basi plak. Hahah. Chiao!!

Current mood : Nyamuk ni wat kacau!!! Tekanan!!!

Berbalas Blog

Another Sunday,another fun day,another new post :)

Mesti ade yang terpikir2 kenapa post arini tajuknya 'Berbalas Blog'. Heheh. Saje nak highlight the subtlety. Actually aku tadak idea nak wat post apa today although a lot have been happening to me this week. Tapi since today is Funday(reads Sunday), decide nak wat posting biasa2 jek. Therefore, decide to go to my girl's blog and get any inspiration for my latest post. Since dia story pasal our 'first step' recently and a little too brief if u ask me,aku pon decide nak share the same story. Although mine me be a little long and in details coz i feel quite generous today. HUAAA

Last Saturday
Actually sebelum this day went, i was kinda looking into any plans for the weekend. Yes,last weekend had to go to the office coz ade deployment. So ingat nak wat plan the following day tp my girl xnak plak. Apparently she didn't like to go out on Sunday. Nak berehat katanya. So dia came up with the idea of a Raya visit to her house. Since aku rasa mcm pernah kata nak datang umah beraya to her and meet her parents, i guessed i should go. It's now or later. But later when plak coz another weekend,it's not Syawal anymore. So from the moment then until the following day, i was nervous the whole time. Thought i was the only one but i felt my girl also was feeling the same. Kept changing this and that and all along asek reassuring betul ke aku mau datang or not. Hahah. In my mind the whole time i thought, why not. Even though i've dated a lot of girls but this was maybe my first time i met the parents.

Mula2 sampai, my gf ngajak g kedai plak beli sayur mayur. X jejak kaki dlm umah agi dah ajak tamu g pasar. X ke pelik. Apparently x cukup bahan. HAahha. Xpelah. After that, masuk ler rumah. Time ni bedebar tuhan je yang tahu. Tgh2 bedebar tu ingat bulihlah my girl tolong break the ice ke hape. Ini dak. Berdesup dia g dapur terus leaving me all alone. Hahah. Ok ler. Her dad was cool. Her aunt also was there and she didn't say a word to me that evenin so i guess she's cool as well. Heheh. Borak2, sembang2,makan2 tibe2...

Alamak,nak balik dulu lah. perut lapor. nanti sampai umah aku sambung citer..Tata!

Current mood : HUNGRY! Btw, This was a draft since sunday hence the referral to the day. Now Wednesday oledi. Solly no time! HUhuh

Sembang Pagi

Another new morning,another new post!!

Jam sekarang menunjukkan pukul 6.50 pagi. Actually got out of the house pagi tadi kul 6.15 and sampai sini dalam pukul 6.30. memang awal. Tapi awal2 tu ingatkan ada parking. Mak aih. Penuh gua cakap sama lo. But finally managed to find a free parking space kat gerai ujung dunia tu bawah pokok yang banyak daun luruh jatuh tu. HUHUH. Itupon x sure berkotak or tak. Tawakal ajelah. Fikir jugak manalah nak carik parking yang x mencekik mcm depan ofis ni. 6 hengget sekali park. Are KLCC pon murah singgit.Huaa.

Actually the reason i brought the car today is for later after work. Think i want to go lepak kat OU and carik HSBC. Ntahla. Xtaulah bukak or not. Kenape you may ask? Nak apply for credit card. HAhah. Bukan kenape. Nak bayar IPhone for easy-installment punya pasal, terpaksa carik either Maybank or HSBC. CIMB nye kad kredit dah dapat but that only for the purpose of fuel jek walaupon kredit dapat 7k which is more than enough for IPhone. Tapi, easy-payment mcm tadak je dalam CIMB. Kurang benefit. So sekarang dah apply for Sony Card/ Petronas Maybank xpon HSBC's. Kalo x dapat, xpelah. Maybe that's a sign from God yang i don't need new phone. Heheh.

OKlah. Cukup wua wat kuliah pagi merapu.Wua mau g gym lak ni. After raya ni mmg malas bebenar nak g gym. Lagi-lagi dengan busy. Adergkh.. Perut aku sudah membuncit. kena bakar lemak. Anda bila lagi? :P

Current mood: Morning,nice morning! :)

Plan A: Be Productive

Another 'not so busy day', another post lor!!

Hi.I am back.Sorry la a bit busy..Well,a 'bit' is an understatement.. So damn busy is more like it. Now balik kul 9,10 dah biasa dah. Tapi best gak balik around that time. Jalan clear wor. If i'm driving, slalunya i take the Sprint Highway from Sek 16 to Jalan Duta. By kilometres i think lagi jauh in a few KM compared to Federal Highway. tapi lalu situ memang syok. Jalan clear. Layan plak highway yang simpang siur with speed,pergkhh..Itulah nikmat driving..Ahaks..Don't worry.I am still a good driver not reckless ok. Yeke?Ahaks :P

Tapi tengok keta sekarang macam x syok jek. Bukan ape.Calar balar dikerjakan, patah wing belakang, pintu kiri lak dari dulu wat perangai with the locking...Aiyo..My black panther is injured all over la..I think she may need a makeover. Tengoklah kalo dekat raya tahun depan nak paint balik and repair ape-ape yang patut.God willing dengan resource yang cukup lah.Heheh. Tapi sebelum beli motor baru and loan yang sampai sekarang still pending, kenalah pakai keta dulu before bagi pinjam kat my dear dad. Ntah Rusa tu dah elok or belum.

Sekarang ni target aku nak have a productive day every day of the week. Be it at work or at home. No more lazying around depan TV or laptop, no more layan forum, or anything yg can be classified as LAGHA. Since i am a morning guy, my day from now on must start time azan subuh. Yes!That early.Reason being nak solat satu. And bagi pendapat aku siapa yang terlepas merasakan kenikmatan awal pagi adalah orang yang rugi. This is the time when the birds are chirping, the weather is perfect, the sunrise is amazing and may i add,when you have the best meal of your day,breakfast. So kul 6 bangun, 6.15 dah siap solat. Then,drive to the office

coz nak dapat parking free.Hahah. Then straight away go to the gym and workout for two hours or so. Mandi afterwards(yes,i have my morning shower in the gym now so mmg kehulu kehilir hurung deo,sabun,sampu bagai.AHAKS)

After all that being done, i have a great jumpstart to start my day at the office untiiiiiiiiiiiiiiiiiillllllllllll paling awal pukul 8 malam. Huhu. Balik umah like mentioned above x jam so easy drive to home and a great way to end my day. Kalo hungry, eat beforehand walaupon awek asek bising aku malam malam-malam. Heheh. Yes,that's basically a productive day for me that i have in mind. AJA-AJA FIGHTING I CAN BE PRODUCTIVE AND PROACTIVE EVERYDAY!!!

Current mood: Tomorrow would be my very first project deployment and yet now just knew it had so many errors. Fixed the bugs and hope for the best for tomorrow.AMIN!!

So Long....................................................and The End

Another remorseful event,another post

Nak story la sikit. Semalam jumpa my ex nak tarik kereta. Yes,it was a cruel event on my part. Memang x sampai hati sangat-sangat nak tarik tapi it's the thing i gotta do for our best outcome.

Memang out of 10 people i asked, 10 people would say it's best if i tarik je kereta no matter how inhumane that would be. It's supposed to be the first step of moving on. PArting with all of your ex's belongings.

Sampai-sampai tengok dia sorang. I kinda secretly was hoping she brought a friend to ease the awkwardness. But i acted casual.In fact i wasn't acting. I was being as nice as possible because i knew she's in the worst position than i was.Then tanya sepatah,jawab sepatah la for several minutes. Than we gaduh2 about something. Aku naik darah pasal,well,let that be a secret. Next thing i know, i realised it's not worth fighting anymore. Let it be over tonight.So i continued into my friendly mode.

Then we grabbed a dinner. I was dead hungry so the thing i gotta do.Hahah.She didn't eat anything. Just was staring at her phone doing God knows what the entire time. Nak selit gak. Makan laksa tapi x letak limau padahal hanyir semacam. Nak kena mintak gak ke limau tu. Aishh.Seb baiklah x letak cili api after dah diwarning awal-awal. Get back to the story, then i drove her to UPM hostel. I reminded her to take all of her stuff coz after this cannot jumpa dah. After got there, she went upstairs and brought down all the shit i ever gave to her. It's understandable if that what it took for her to forget about me. So no comment on my part.

Check2,eh..ade lak cacat cela keta tu while she was using it so she said claim balik. Aku malas nak bising2 coz in this case, better just fix first and claim later.

Then bye2.Selesai sudah. It was weird coz at that time, i knew we would met again even though i didn't know when. Drove to my home afterwards, stop at gas station sedar2 tgk ade miss call from the whom i just told you. Why lor? Apparently ade lagi barang tinggal. Naik darah gak lah aku sekejap but the thing i gotta do, just drove back to UPM. we met again. This time i was sure this was the last time coz all the signs were there. Not from her or me but our fate came to visit and clearly saying,this would be the last time you ever meet her.With all the wind blowing and chilly cold night breeze. So i was just being cool. She was,well,about to burst crying. It was sombre moment i admit but i was clueless.

Then she confessed to everything. everything she hated about me, everything she loved about me, everything what our future would hold if we were still together and worst what she had planned for us that i didn't know of. Basically just all the best-hits recap from her mouth while I stay silent the entire time. However. The worst part to hear was how she's doing now.

Apparently out of respect, i can just say not well.

Yes, i did all this to her. And all the other girls i ever dated. While she was saying all this, i thought all the worst,worst thing i ever did to all of my ex. Heartless, ignorant, an ass just to name a few. How i remember i was on a date with this girl that came all the way down from Kedah and i didn't say a word to her the entire date because i was mad about,well, i don't know what. Yes, i was a heartbreaker. So right then and there, i promise myself to treat woman as they should be. With respect, care, love and understanding. yes, this wasn't the way i hoped to learn about myself but i sincerely thank you sebab luahkan semua. Itulah pengajaran terbesar saya dari the unlikely teacher of life, my ex. I hope both of us find the happiness that we forever looking for. And yes. Goodbye was hard. Who would've thought that was the ending of us. It was like a scene of a movie. For that, i forever cherished what we had.

Current mood: Farewell and goodbye