{"id":1906,"date":"2024-11-28T21:50:15","date_gmt":"2024-11-28T21:50:15","guid":{"rendered":"https:\/\/morenetcash.com\/?p=1906"},"modified":"2025-02-01T23:45:11","modified_gmt":"2025-02-01T23:45:11","slug":"bankamericard-review","status":"publish","type":"post","link":"https:\/\/morenetcash.com\/ms\/bankamericard-review\/","title":{"rendered":"Kad Kredit BankAmericard\u00ae: Tiada Yuran Tahunan dan Dilanjutkan 0% APR"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">Kad faedah rendah yang menjadikan perkara mudah<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" loading=\"lazy\" src=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-2-3-1024x576.png\" alt=\"BankAmericard\" class=\"w-full object-cover object-center border mx-auto wp-image-1910\" srcset=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-2-3-1024x576.png 1024w, https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-2-3-300x169.png 300w, https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-2-3-768x432.png 768w, https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-2-3-18x10.png 18w, https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-2-3.png 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\">Kad Kredit BankAmericard\u00ae. Sumber: Lebih Banyak Tunai Bersih<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Kad Kredit BankAmericard\u00ae menonjol kerana kesederhanaannya dan memberi tumpuan kepada meminimumkan kos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Tanpa yuran tahunan dan tempoh pengenalan APR 0% yang panjang, kad ini sesuai untuk mereka yang mengutamakan simpanan dan pengurangan hutang.<\/p>\n<\/div><div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-Z2gOeat\"><section class=\"credit-card mx-5 sm:mx-0 text-gray-600 body-font  my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n  <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n    <div class=\"w-24 h-full\"><\/div>\n  <\/div>\n  <div class=\"container px-5 sm:px-0 py-6 mx-auto\" data-anchor-target=\"lazyBlock\">\n    <div class=\"flex flex-wrap mx-auto\">\n      <a class=\"lg:w-2\/5 w-full lg:pl-6 mt-6 lg:mt-0\" href=\"https:\/\/www.bankofamerica.com\/credit-cards\/products\/bankamericard-credit-card\/\" data-analytics-label=\"creditCardImage\" data-action=\"analytics#trackCTA\" >\n        <img decoding=\"async\" class=\"w-full h-64 object-cover object-center rounded\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" src=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-3-2.png\">\n      <\/a>\n      <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n        <h2 class=\"text-sm title-font text-gray-500 tracking-widest uppercase\">\n          Kad Kredit        <\/h2>\n        <h1 class=\"text-gray-900 text-3xl title-font font-medium mb-1\">\n          BankAmericard\u00ae        <\/h1>\n        <div class=\"flex mb-4 justify-center sm:justify-start\">\n          \n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              Mudah            <\/span>\n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              0% Pengenalan APR            <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          Urus hutang dengan mudah \u2013 Tanpa yuran tahunan \u2013 APR Tanpa Penalti        <\/p>\n        <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n          \n        <\/div>\n        <div class=\"flex\">\n          <a data-km2-rewarded=\"true\" style=\"font-size: 13px;\" class=\"hidden animate-fade-in flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.bankofamerica.com\/credit-cards\/products\/bankamericard-credit-card\/\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button class=\"uppercase flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-4 focus:outline-none rounded  disabled:opacity-50\">\n              Lihat cara memohon            <\/button>\n          <\/a>\n          <a data-km2-rewarded=\"false\" style=\"font-size: 15px;\" class=\"flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.bankofamerica.com\/credit-cards\/products\/bankamericard-credit-card\/\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button id=\"offer-first\" class=\"flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-6 focus:outline-none rounded  disabled:opacity-50\">\n              Lihat cara memohon            <\/button>\n          <\/a>\n        <\/div>\n        <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n          Anda akan dialihkan ke laman web lain        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n    <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 100) { setTimeout(() => this.visible(), 1000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 10) { this.getAnchorElement().style.marginBottom = '60px'; } if (document.querySelector('[data-anchor-shown=\"true\"]') && document.querySelector('[data-anchor-shown=\"true\"]').style.bottom === '0px') { setTimeout(() => this.visible(), 1000); return; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); waitFor(_ => (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 10 && this.getAnchorElement().style.marginBottom !== '60px')) .then(_ => { this.closeAnchor(); }); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { if (this.closed) return; this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button data-no-translation class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/www.bankofamerica.com\/credit-cards\/products\/bankamericard-credit-card\/\" rel=\"sponsored\" data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img decoding=\"async\" loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-3-2.png\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Urus hutang dengan mudah \u2013 Tanpa yuran tahunan \u2013 APR Tanpa Penalti              <\/p>\n              <a href=\"https:\/\/www.bankofamerica.com\/credit-cards\/products\/bankamericard-credit-card\/\" rel=\"sponsored\" data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Lihat cara memohon                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Anda akan dialihkan ke laman web lain              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n<\/section><\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Keperluan Skor Kredit:<\/strong> Baik kepada kredit yang sangat baik (670 atau lebih tinggi).<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Yuran Tahunan:<\/strong> $0.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Beli APR:<\/strong> Pembolehubah, antara 15.74% hingga 25.74% selepas tempoh pengenalan, bergantung pada kelayakan kredit.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Tawaran APR Pengenalan:<\/strong> 0% untuk 18 kitaran pengebilan pada pembelian dan pemindahan baki yang dibuat dalam 60 hari pertama.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Yuran Pemindahan Baki:<\/strong> 3% untuk pemindahan semasa tempoh pengenalan, meningkat kepada 4% selepas itu.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Program Ganjaran:<\/strong> Tiada\u2014kad ini mengutamakan penjimatan kos berbanding faedah.<\/li>\n<\/div><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">Kad Kredit BankAmericard\u00ae: Pandangan menyeluruh&nbsp;<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Kad Kredit BankAmericard\u00ae direka khusus untuk individu yang bertujuan untuk menguruskan hutang atau membiayai pembelian tanpa perlu risau tentang faedah untuk tempoh yang panjang.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 class=\"wp-block-heading\">Untuk Siapa?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Kad kredit ini amat sesuai untuk:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Orang yang ingin menyatukan hutang faedah tinggi melalui pemindahan baki.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Pengguna yang mementingkan belanjawan mencari kad kredit tanpa yuran tahunan.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Mereka yang lebih suka kad kredit ringkas dan tanpa kemudahan tanpa sistem ganjaran yang kompleks.<\/li>\n<\/div><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 class=\"wp-block-heading\">Mengapa Ia Istimewa?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Salah satu aspek yang paling menarik bagi Kad Kredit BankAmericard\u00ae ialah tempoh pengenalan APR 0% yang dilanjutkan, yang mengatasi banyak kad serupa di pasaran.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Kebanyakan kad mengehadkan tempoh ini pada 12 hingga 15 bulan, tetapi kad ini memanjangkannya kepada 18 kitaran pengebilan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ditambah dengan ketiadaan APR penalti, ia menawarkan fleksibiliti dan penjimatan untuk pemegang kad.<\/p>\n<\/div><div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-McsNS\"><section class=\"credit-card mx-5 sm:mx-0 text-gray-600 body-font  my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n  <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n    <div class=\"w-24 h-full\"><\/div>\n  <\/div>\n  <div class=\"container px-5 sm:px-0 py-6 mx-auto\" data-anchor-target=\"lazyBlock\">\n    <div class=\"flex flex-wrap mx-auto\">\n      <a class=\"lg:w-2\/5 w-full lg:pl-6 mt-6 lg:mt-0\" href=\"https:\/\/www.bankofamerica.com\/credit-cards\/products\/bankamericard-credit-card\/\" data-analytics-label=\"creditCardImage\" data-action=\"analytics#trackCTA\" >\n        <img decoding=\"async\" class=\"w-full h-64 object-cover object-center rounded\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" src=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-3-2.png\">\n      <\/a>\n      <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n        <h2 class=\"text-sm title-font text-gray-500 tracking-widest uppercase\">\n          Kad Kredit        <\/h2>\n        <h1 class=\"text-gray-900 text-3xl title-font font-medium mb-1\">\n          BankAmericard\u00ae        <\/h1>\n        <div class=\"flex mb-4 justify-center sm:justify-start\">\n          \n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              Mudah            <\/span>\n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              0% Pengenalan APR            <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          Urus hutang dengan mudah\u2014mohon sekarang, tanpa yuran tahunan!        <\/p>\n        <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n          \n        <\/div>\n        <div class=\"flex\">\n          <a data-km2-rewarded=\"true\" style=\"font-size: 13px;\" class=\"hidden animate-fade-in flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.bankofamerica.com\/credit-cards\/products\/bankamericard-credit-card\/\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button class=\"uppercase flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-4 focus:outline-none rounded  disabled:opacity-50\">\n              Mohon Sekarang            <\/button>\n          <\/a>\n          <a data-km2-rewarded=\"false\" style=\"font-size: 15px;\" class=\"flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.bankofamerica.com\/credit-cards\/products\/bankamericard-credit-card\/\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button id=\"offer-first\" class=\"flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-6 focus:outline-none rounded  disabled:opacity-50\">\n              Mohon Sekarang            <\/button>\n          <\/a>\n        <\/div>\n        <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n          Anda akan dialihkan ke laman web lain        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n    <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 100) { setTimeout(() => this.visible(), 1000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height 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&& this.getAnchorElement().style.marginBottom !== '60px')) .then(_ => { this.closeAnchor(); }); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { if (this.closed) return; this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button data-no-translation class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/www.bankofamerica.com\/credit-cards\/products\/bankamericard-credit-card\/\" rel=\"sponsored\" data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img decoding=\"async\" loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-3-2.png\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Urus hutang dengan mudah\u2014mohon sekarang, tanpa yuran tahunan!              <\/p>\n              <a href=\"https:\/\/www.bankofamerica.com\/credit-cards\/products\/bankamericard-credit-card\/\" rel=\"sponsored\" data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Mohon Sekarang                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Anda akan dialihkan ke laman web lain              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n<\/section><\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">Menganalisis kelebihan dan kekurangan<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Apabila mempertimbangkan Kad Kredit BankAmericard\u00ae, adalah penting untuk menimbang kekuatannya terhadap batasannya.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 class=\"wp-block-heading\">Kebaikan<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Dilanjutkan Tempoh APR 0%:<\/strong> 18 kitaran pengebilan menyediakan salah satu tetingkap tanpa faedah terpanjang yang tersedia untuk pembelian dan pemindahan baki.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Tiada Yuran Tahunan:<\/strong> Pemegang kad boleh menjimatkan wang tanpa kos tahunan berulang.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Tiada APR Penalti:<\/strong> Tidak seperti sesetengah kad, pembayaran lewat tidak akan meningkatkan APR anda secara automatik, mengurangkan kesan kewangan daripada ralat sekali-sekala.<\/li>\n<\/div><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 class=\"wp-block-heading\">Keburukan<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Tiada Program Ganjaran:<\/strong> Kad tidak mempunyai pulangan tunai, mata atau batu, yang mungkin menghalang mereka yang menghargai pendapatan daripada perbelanjaan mereka.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Yuran Pemindahan Baki:<\/strong> Walaupun yuran pemindahan baki pengenalan adalah munasabah, yuran 4% selepas 60 hari boleh menambah jumlah yang besar.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Rayuan Terhad Melebihi APR:<\/strong> Tanpa ganjaran atau faedah premium, nilai kad berkurangan selepas tempoh pengenalan APR berakhir.<\/li>\n<\/div><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">Memohon kad kredit<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"861\" height=\"489\" loading=\"lazy\" src=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Captura-de-tela-2024-11-28-181003.png\" alt=\"BankAmericard\" class=\"w-full object-cover object-center border mx-auto wp-image-1909\" srcset=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Captura-de-tela-2024-11-28-181003.png 861w, https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Captura-de-tela-2024-11-28-181003-300x170.png 300w, https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Captura-de-tela-2024-11-28-181003-768x436.png 768w, https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Captura-de-tela-2024-11-28-181003-18x10.png 18w\" sizes=\"(max-width: 861px) 100vw, 861px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\">Memohon kad kredit. Sumber: Bank of America<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Bermula dengan Kad Kredit BankAmericard\u00ae adalah mudah. Ikuti panduan langkah demi langkah ini untuk memohon dalam talian:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ol><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Layari laman web rasmi:<\/strong> Pergi ke laman web Bank of America dan terokai pilihan kad kredit yang tersedia di bawah bahagian khusus mereka.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Cari Kad Kredit BankAmericard\u00ae:<\/strong> Cari kad pada senarai tawaran dan pilih butang &quot;Mohon Sekarang&quot; untuk memulakan permohonan anda.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Isi Borang Permohonan:<\/strong> Berikan butiran peribadi anda, termasuk nombor Keselamatan Sosial, status pekerjaan dan pendapatan.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Terma Semak:<\/strong> Luangkan masa untuk menyemak dengan teliti terma dan syarat untuk memastikan anda memahami semua butiran sebelum melengkapkan proses permohonan.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Hantar Permohonan:<\/strong> Setelah diserahkan, anda mungkin menerima keputusan serta-merta atau dalam masa beberapa hari perniagaan.<\/li>\n<\/div><\/ol>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 class=\"wp-block-heading\">Syarat Kelayakan<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Untuk layak mendapat Kad Kredit BankAmericard\u00ae, pemohon mesti memenuhi kriteria tertentu:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Skor Kredit:<\/strong> Pemohon biasanya dijangka mempunyai sejarah kredit yang kukuh, dengan skor 670 atau ke atas yang berfaedah untuk kelulusan.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>umur:<\/strong> Kelayakan memerlukan pemohon berumur sekurang-kurangnya 18 tahun, walaupun di negeri tertentu umur minimum mungkin 19 tahun.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>residensi:<\/strong> Seorang penduduk AS dengan alamat fizikal yang sah.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Pendapatan:<\/strong> Pendapatan yang mencukupi untuk menyokong obligasi pembayaran balik.<\/li>\n<\/div><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">Kepentingan kad kredit faedah rendah dalam pengurusan hutang<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Kad kredit dengan faedah rendah memainkan peranan penting dalam membantu individu mengurus dan mengurangkan hutang dengan berkesan.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Dengan ciri seperti tempoh APR 0% yang dilanjutkan, kad seperti Kad Kredit BankAmericard\u00ae menyediakan peluang berharga untuk menyatukan baki faedah tinggi daripada akaun lain.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Dengan memindahkan baki ini, pemegang kad boleh menjimatkan dengan ketara pada pembayaran faedah dan menumpukan pada mengurangkan jumlah prinsipal yang terhutang.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Kad ini juga sesuai untuk membiayai pembelian besar, menawarkan rehat sementara daripada akruan faedah.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ia memberikan pemegang kad fleksibiliti untuk membayar baki mereka dari semasa ke semasa tanpa mengumpul caj tambahan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Tidak seperti pinjaman tradisional, kad kredit berfaedah rendah menawarkan fleksibiliti dalam pembayaran balik tanpa obligasi bulanan tetap.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Walau bagaimanapun, untuk memaksimumkan faedah ini, adalah penting untuk membuat pelan pembayaran balik dan memastikan baki dibayar sebelum tempoh pengenalan berakhir.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Bagi individu yang mengutamakan kestabilan kewangan, kad kredit dengan faedah rendah menyediakan penyelesaian kos efektif untuk pengurusan hutang dan belanjawan.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">Petua untuk memilih kad yang sesuai untuk matlamat kewangan anda<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Memilih kad kredit yang betul bergantung pada pemahaman keutamaan kewangan dan tabiat perbelanjaan anda.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Jika matlamat utama anda adalah untuk menjimatkan faedah dan menguruskan hutang, kad kredit dengan faedah rendah seperti Kad Kredit BankAmericard\u00ae ialah pilihan yang sangat baik.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Kad ini membantu meminimumkan kos, terutamanya jika anda bercadang untuk membawa baki atau memindahkan hutang daripada akaun lain.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Bagi mereka yang ingin memaksimumkan nilai pembelian setiap hari, kad ganjaran mungkin lebih sesuai.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Kad dengan pulangan tunai atau program mata membolehkan anda memperoleh pendapatan pada kategori seperti barangan runcit, makan malam atau perjalanan.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Walau bagaimanapun, kad ini sering datang dengan kadar faedah yang lebih tinggi, menjadikannya kurang sesuai untuk membawa baki.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Akhirnya, kad terbaik untuk anda sejajar dengan strategi kewangan anda.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Pertimbangkan sama ada tumpuan anda adalah untuk mengurangkan kos atau memperoleh ganjaran dan pilih kad yang menyokong matlamat jangka panjang anda sambil mengekalkan belanjawan anda.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">Ketahui tentang pilihan lain<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Walaupun Kad Kredit BankAmericard\u00ae cemerlang dalam meminimumkan kos, ia tidak menawarkan program ganjaran.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Bagi mereka yang mahukan kad dengan potensi pendapatan yang kukuh, Chase Freedom Flex\u00ae ialah alternatif yang kukuh.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Chase Freedom Flex\u00ae menawarkan program ganjaran yang mantap dengan potensi pendapatan tinggi merentas pelbagai kategori perbelanjaan.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Pemegang Kad boleh menikmati peluang untuk mendapatkan pulangan tunai daripada pembelian setiap hari, termasuk perjalanan, makan malam dan banyak lagi.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Selain itu, ia termasuk APR pengenalan 0% untuk pembelian dan pemindahan baki selama 15 bulan, yang sesuai untuk menguruskan perbelanjaan atau menyatukan hutang.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Pengguna baharu boleh memanfaatkan bonus pendaftaran yang menarik, dan tiada yuran tahunan, menjadikannya pilihan kos efektif untuk memaksimumkan faedah.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1eWCgI\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/morenetcash.com\/ms\/chase-freedom-flex-card-review\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Chase Freedom Flex\u00ae\">\n          <div class=\"m-auto float-none\">\n            <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/02\/Chase-Freedom-Flex\u00ae-Credit-Card-4.png\" alt=\"Chase Freedom Flex\u00ae Credit Card\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/morenetcash.com\/ms\/chase-freedom-flex-card-review\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Chase Freedom Flex\u00ae\">\n            Chase Freedom Flex\u00ae        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Mohon Kad Kredit Chase Freedom Flex\u00ae dan nikmati bayaran balik untuk perbelanjaan harian seperti gas dan barangan runcit.         <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/morenetcash.com\/ms\/chase-freedom-flex-card-review\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Teruskan Membaca            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n   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