忘记还信用卡账单
被必付昂贵的利息 + Late charge Fee
要如何处理?
相信大家一样有使用很多很多卡
我不会随便申请卡, 但我会申请对我有很大用途的
之前也和大家分享了不少信用卡的好
比如我申请 CITI PRESTIGE 就是可以免费进入全球的机场贵宾室
申请 Emirates 航空卡是因为可以获得免费欧洲机票
申请 Fortune 是有史以来可以拿到最多现金回扣(可惜这卡近期取消了 )
申请 GSC 信用卡是因为每次看电影都可以买一送一, 甚至买爆米花都有折扣
申请 HLB Signature 卡, 可以无限次进入国内机场贵宾室,而且可以免费四人同时进入
申请 Maybank 加油卡是因为加油时可以回扣现金
申请亚航信用卡,就是为了累积 Big Point
但缺点之一就是有时多到会忘记
就如近期内我的 HLB GSC 信用卡完全没有使用, 因为大家也懂现在戏院都关闭
即使在开也不懂, 所以我就没理这张卡。。
但我却忘记了原来这卡有 Auto Bill Payment
如家里的电费, 水费,电话费, Unifi 费等等。。 上个月就忘记还信用卡的钱
等我查看时, 糟糕, 已经过了一个星期, 就赶快去还。
遇到这样的事情, 其实有办法可以不需付这笔钱
如果你一直以来都有良好的记录 , 只是突然忘记还
这样你可以和我一样联系了银行, 他们就会扣除掉还给我们。
如果你目前真的没有能力还钱, 我会建议你直接联系银行
他们会推出一种分期付款的, 会比较值得
而不是每个月延迟付款, 这样反而会令到你有不良好的记录
完整文章,查看这里 : https://www.mylifentravel.com/2021/01/late-payment.html
希望帮到大家, 疫情期间大家都不容易
一起努力的度过 ~
加油 ~
#mylifentravel
late payment fee 在 Illy Ariffin Blog : www.illyariffin.com Facebook 的最讚貼文
Wanted to show your support for breastfeeding? Then do join this nationwide event host by @The Breastfeeding Advocate Network TBAN :) Do join The Malaysian Big Latch 2018, A Malaysia Book of Records Official Event
The founder is Gina Yong, Breastfeeding Consultant who I personally know during my confinement. She is the GURU when it comes to breastfeeding :) <3
Details :-
1. Online Pre-Registration ends on 25th July 2018, 1159pm.
2. It is necessary to present yourself at the registration tables on 5th August 2018 at the venue of your choice. Registration starts at 11am and ends at 2.30pm. All late registration may be disqualified even if you have pre-registered. The RM20 registration fee will be forfeited and not be refunded.
3. Participants may use a cover (ie nursing cover, scarf, shawl, tudung etc) while breastfeeding in public.
4. Only those who pre-registered with payment will receive a personalized CERTIFICATE ie your name and your child's name printed on the certificate. Please ensure you spell your name and child's name correctly. Should the error in printing be due to your own mis-spelling, and you wish to have the certificate mailed to you, there is an additional charge of RM15.
Note: Registrations after closing date will receive only the generic certificates, without personalization of name.
5. Certificate collection is only available at the event itself. Certificates will not be mailed out to registrants after the event. All uncollected certificates will be destroyed after the event.
6. All successful registrants will be uploaded in this document within 7 working days of your payment. Please do not message/email any of the Admins to check your registration before that. You can view your registration here: https://tinyurl.com/GOL2018
More details and how to register: http://bit.do/Malaysian-Big-Latch-2018
#TBAN #BREASTFEEDING #MALAYSIABOOKOFRECORDS
late payment fee 在 Ccc旅行攝 Facebook 的最讚貼文
朋友的不丹團
不丹是人稱「喜瑪拉雅山下的香格里拉」
有興趣的朋友可以參考參考
CCC
6月12-20不丹團 揪人
今年尼泊爾爬山完之後想要繞去大吉嶺一趟 發現有充裕的時間可以再回不丹一次 聯絡了之前去不丹的旅遊公司的CEO (上次去玩完之後成為好友 也介紹一些朋友給他)發現6月有兩個慶典可以參加 請他給我行程 因為有認識 所以只要我們湊團到10人以上 陸路進出9天8夜一人只要1550美金(和簽證費)「註通常一人一晚最低消費是250美」
另外這次也會找中文導遊一天100美金確定人數後大家共攤
這兩個慶典都在很少人去的不丹中部 拉車時間比較長 但是是看到跟格魯派(我們熟知的達賴喇嘛-黃帽)不同(藏傳佛教)教派的噶舉派慶典 (面具舞等等)
我個人3年前只去5天4夜就花了1100
吃住交通導遊都包含 我當時只有買明信片郵票跟啤酒有花到錢, 住宿都是3星旅館有wifi 或者不錯的不丹建築民宿
所以有興趣的朋友快點跟我連絡
想要陸路進出的順變跟我去大吉嶺錫金品茶的 我可以跟你們在Siliguri (機場是Bagdogra目前查到國泰或者華航+印度捷特航空從台北經印度德里到Bagdogra 6/8-6/21 都是台幣24300左右) 碰面 我可以帶你們搭公車到邊界
飛機進出的自理台北-曼谷航線 (威航虎航都是不錯的便宜選擇飛DMK, 價格都在7-8000左右 只是大家要記得跟去不丹是不同機場BKK)我們在不丹見
至於曼谷不丹部分 我查到的機票時間如下 目前來回官網查到是是$635 (~21300台幣)(還沒收到旅行社報價越晚訂越貴)
6/12 KB 141 BANGKOK 09:00 PARO 12:35
6/20 KB 130 PARO 13:35 BANGKOK 18:45
有超過10-15人我才能有這個好價錢 不然就放棄啦 有什麼問題盡量問我啊
下面是我上次去不丹的相簿連結
https://www.facebook.com/media/set/…
-------------------------------
行程如下
09 Days 08 Nights Bhutan Tour(Drive In Drive Out)
June 12th 2016 (陸路)- Day 01: Drive Phuntsholing Punakha (175 km + 75 km, 8-9 hrs drive)
After arrive in Phuntsholing in the morning and done with Immigrations formalities we drive to Thimphu and the drive to Punakha.
陸路有點顛簸 但是多參觀了邊界的不丹小城Phuntsholing 一路上有好多時間跟導遊聊天 當時問了了很多不丹的風俗飲食宗教家庭等等的問題 會暈車的請自備藥物
Dinner & O/N Hotel Lobesa or Similar
June 12th 2016 - Day 01 (飛機進不丹): Arrive Paro by Air & transfer to Punakha via Thimphu (55 km + 75 km, approx 4.1/2 hours drive)
After arrive in Paro International Air-Port, Greet by BHT team & Transfer to Thimphu for lunch . After lunch we will visit Memorail Chorten built in the memory of the late King Jigme Dorji Wangchuck, & Dive to Punakha.
Dinner & O/N Hotel Lobesa or Similar
June 13th 2016 - Day 02: Punakha – Bumthang ( 212 km 8-9 hrs)
After breakfast we will we will drive full day through thick vegetations and many species of rhododendron & high passes of Pele-La (3150 mtrs), crossing Trongsa and visit Trongsa Dzong. Built in 1648, it was the seat of power over central and eastern Bhutan. Both the first and second kings of Bhutan ruled the country from this ancient seat. All four kings were invested as Trongsa Penlop (“governor”) prior to ascending the throne. The dzong is a massive structure with many levels, sloping down the contours of the ridge on which it is built. Because of the dzong’s highly strategic position, on the only connecting route between east and west, the Trongsa Penlop was able to control effectively the whole of the central and eastern regions of the country from here.
We drive and cross a small pass arrive Bumthang.
Dinner & O/N Hotel Mepham Guest house or Similar
June 14th 2016 - Day 03: Bumthang.
Today Morning after breakfast we will drive to visit Mebar Tsho - the Burning Lake. According to the legend Terton Pema Lingpa had a vision of the sacred treasures that Guru Rimpoche had hidden within the lake centuries earlier. However the people of Tang and the local ruler were cynical of his claims. In order to prove his claims, Pema Lingpa held a butter lamp in his hand as he jumped into the lake. After remaining under water for a long time he re-emerged holding a chest and a scroll of paper with the butter lamp held in his hand still burning bright. Thereafter, the lake came to be known as Mebartsho (the burning Lake).
The Burning Lake, Mebar Tsho is located along the way to the Tang village ,over the feeder road under Bumthang valley. It takes approximately thirty minutes drive to the Mebar Tsho from Chamkhar town.
Mebar Tsho is considered one of the most sacred sites in the region as it is related to the renowned religious treasure reveler (Terton) Terton Pema Lingpa. Pema Lingpa is considered an incarnated disciple of Padmasambhava who discovered treasure within the lake in late 15th century.
Today this small fresh water lake is a sacred pilgrimage site for the Bhutanese with bright multicolored prayer flags surrounding it and a small altar dedicated to Terton Pema Lingpa has also been set up. On auspicious days people offer butter lamps at the lake. Many tourist visit the site to observe spectacular beauty of this important historical and religious site.
Then we drive back to Chumey and witness the festival.
NIMALUNG FESTIVAL
Nimalung Lhakhang is located in Chumey in Bumthang. It is approximately a 15 minute drive from the road that branches off from the village of Chumey.
The Lhakhang was co-founded by Dasho Gonpo Dorji and Doring Trulku Jamyang Kunzang, the third mind-aspect reincarnation of Terton Jigme Lingpa in 1935.
The main relic of the two-storied temple is a magnificent statue of Guru Rimpoche. The monastery is decorated with murals of the Nyingmapa and Drukpa traditions. There are also paintings of Guru Rimpoche and his disciples, the lineage of Terton Pema Lingpa, and several Buddhist masters affiliated with the monastery.
One of the most important festivals held at the Lhakhang is the Kaling Zhitro Drubchen. It was initiated by Doring Trulku and he was the first person to have started the rite in Bhutan. It is held on the first fifteen days of the first month of the Bhutanese calendar.
The local Tshechu is held once a year in the 5th month of the Bhutanese calendar. During the Tshechu an awe-inspiring Thongdrol (gigantic scroll painting) of Guru Rimpoche is put on display for attendees. The Thongdrol is nine meters long and twelve meters wide and in addition to inspiring wonder is said to cleanse the sins of all those who look upon it. The Thongdrol which was donated by Lopen Pemala and was consecrated in June 1994 in the presence of a large crowd of villagers by Lhalung Thuksey Rimpoche, the reincarnation of mental aspect of Pema Lingpa. During the festival, a series of colorful and spectacular mask dances are performed.
After the festival we also visit the Yathra (woolen cloths) weaving factory then we stroll in the town and drive back to hotel.
Dinner & O/N Hotel Mepham Guest house or Similar
June 15th 2016 – Day 04: Bumthang (Kurjey Festival)
In the morning, we will visit Jambay Lhakhang, built in 659 by Tibetan King Sontsen Gampo to pin down a giant demon who was obstructing the spread of Buddhism. In the October month, the Jambay Lhakhang Drup, which is sacred & one of the most colourful festivals in Bhutan.
We will also visit Kurjey Lhakhang (left-bottom), one of the most sacred monasteries in Bhutan. Built by the Guru Rinpoche in 1652, it houses a rock with his body imprint. Legend has it that Guru Rimpoche manifested as a Garuda to defeat the demon Shelging Karpo who had taken the form of a white lion. And we will also witness the festival here.
KURJEY FESTIVAL
The festival takes place at Kurjey Temple, located at Kurjey in the Chokhor valley in Bumthang district. It is a 15 minute drive from our hotel to arrive at the temple grounds.
The history of the temples at Kurjey is associated with Sindhu Raja and Guru Rimpoche. Sindhu Raja invited Guru Rimpoche from Nepal to Bhutan to subdue some evil spirits that had been plaguing the land. Upon invitation, Guru Rimpoche visited Bumthang and meditated in a cave that resembled a pile of Dorjis (stylized thunderbolt used for Buddhist rituals). After subduing the evil spirits and demons, imprints of the Guru’s body remained in the rock face. Thereafter, the name came to be known as Kurjey meaning - “Imprint of the body”. The Lhakhang is now a blessed site of great historical significance.
There are three main temples at Kurjey. The oldest temple was constructed on the site where Guru Rimpoche meditated by Minjur Tenpa the first Trongsa Penlop (Governor of Trongsa) in 1652.
The second temple was founded by Gongsar Ugyen Wangchuck (1st King) in 1900 while serving as the 13th Trongsa Penlop. This temple is the most sacred as it was built in the place where Guru Rimpoche left his body imprint.
The third temple was built in the 1990s. It was sponsored by the Queen Mother Ashi Kezang Choden Wangchuck. It houses the images of Guru Rimpoche, King Thrisong Detsen and Pandit Santarakshita.
In front of the temples are Chortens dedicated to the first three kings of Bhutan.
The Kurjey festival is an important occasion not only for the local people of Bumthang but for all Bhutanese. The festival brings together tourists and Bhutanese from all over as it presents the perfect occasion to not only receive blessings by witnessing age-old mask dances but also to enjoy this unique culture whilst basking in the natural beauty of Bhutan’s spiritual heartland.
After the festival we will hike to the Tamshing Goemba, built in 1501 by the Buddhist saint Pema Lingpa. If time permits then we will visit Kencho Sum Lhakhang and Swiss farm for local cheese, wine beer and honey.
Dinner & O/N Hotel Mepham Guest House or Similar
June 16th 2016 - Day 05: Bumthang - Gangtey (193 km, 7-8 hours drive)
After early breakfast we will drive to Gangtey. Whole day drive back the same route. The one of the best country side to see.
Dinner & O/N Hotel Gakiling or Similar.
June 17th 2016 – Day 06 : Gangtey to Thimphu (140 km – 5 hrs drive)
After breakfast we will visit the valley and take a short walk, the valley of Phobjikha is well known as the winter home of the Black necked crane (Grus Nigricollis). Bhutan is home to around six hundred black-necked cranes with Phobjikha being one of the popular places that the birds migrate to in the winter months from the Tibetan plateau. The elegant and shy birds can be observed from early November to end of March. This is an old monastery that dates back to 17th century. Lao visit Gangtey Goenpa. Then drive to Punakha and visit Punakha Dzong - Built in 1637, and then also visit
Chhimi Lhakhang – also the temple of Divine Mad Man. We the drive to Thimphu.
Dinner & O/N Hotel Kisa or Similar
June 18th 2016 – Day 07 : Thimphu – Paro (60 km 1.5 hrs drive)
After breakfast in the hotel we will do the Thimphu sightseeing - visit the Big Buddha Dordenma staue, then visit Motithang mini Zoo to see the rare "Takin" national animal of Bhutan, then visit Zilukha Nunnery , Visit Zorig chusum 13 varities of Arts & Crafts. Then we drive to Paro.
After Lunch in Paro we will visit Ta Dzong, once a watchtower, built to defend Rinpung Dzong during inter-valley wars of the 17th century, Ta Dzong was inaugurated as Bhutan's National Museum in 1968. Then drive to visit Paro Rinpung Dzong. Built in 1646 by Zhabdrung Ngawang Namgyal , the first spiritual and temporal ruler of Bhutan, the Dzong houses the monastic body of Paro, the office of the Dzongda (district administrative head) and Thrimpon (judge) of Paro district. The approach to the Dzong or we exit and walk around through a traditional covered bridge called Nemi Zam where our car wait for us in the parking.
Dinner & O/N Olathang Hotel or similar
June 19th 2016 - Day 08: Day hike to Taktsang Monastery (Tiger Nest)
Day hike to the view point of Taktsang Monastery. Horses can be arranged with an extra payment. The hike which is all the way uphill takes about 2 /3 hours through villages and pine forests. The monastery clings to a huge granite cliff 800 meters from the paro valley. It is believed that the great saint Guru Padmasambhava came in the 7th century on a flying tigress and meditated in a cave. The demons were subdued who were trying to stop the spread of Buddhism and converted the Paro valley into Buddhism. During the end of the 17 century a monastery was built on the spot where the saint mediated and it is a pilgrimage site for every Buddhist to visit once in their life time.
Will have lunch in the cafeteria and walk back. If time permits then we will visit ruins of Drugyal Dzong.
Dinner in Farm House can make stay overnight also and Hot stone bath.
O/N Hotel Olathang or Similar or Farm House.
June 20th 2016 - Day 09 (陸路): Drive to Phuntsholing (Indian Border town) .
After breakfast in the hotel we drive to Phuntsholing and checkout to India by evening.
June 20th 2016 - Day 09 (飛機出不丹): Drive to the Airport.
Rate for the above package for the off-season month (Dec, Jan , Feb,June,July, August)
USD $ 1550 (陸路)per person above 10+ in the group.
USD $ 1550 (飛機)per person. above 10+ in the group. 曼谷不丹進出機票不含
Services Included:
• Twine share room in 3 star standard hotels.
• All meals (B,LD,)
• English speaking guide
• Entrance fees
• All necessary permits
• Land Transportations.
• Visa fee
Services Excluded:
• Mandarin speaking Guide ($ 100 per day )
• Travel insurance
• Airfare
• Expenses of personal nature (laundry, phone call etc)
• Liquor beverage (hard and soft drinks)
• Tips
• Pony hiring charge during Taktsang Monastery 虎穴寺 (走路的話 3/4小時來回)
• Service not mention here
• Hot stone bath.
• Lunch on the last day to Phuntsholing as the service ends with breakfast.