Credit Card Debts Restructuring

withEasy Payment Plan

Smart Agent47C Jalan SS15/4Subang Jaya

Contact: Oscar Lai 016 672 8068o_scarlai@yahoo.com

016 2067763 Nie016 2067763 Nie

For more Info, Contact : 016 2067763 Nie016 6412935

For More Info. Call me 0166412935 Ms Low.

Call me for more info: 0166412935 Ms Low.

Credit cards are easy to own, convenient to use and help us in

emergency time.

However, repaying the debts can be difficult especially when it snowballs with interests charges and other late

penalties

Easy Payment Plan

At Smart Agent, we are introducing an Easy Payment Plan for restructuring your credit card debts.

This plan will CONVERT your OUTSTANDING credit card debts into TERM LOANS.

This is a legal service and is acceptable at all major banks in Malaysia.

The benefits of Easy Payment Plan

Normal Payment With EPP

High Interest Rate

Minimum repayment is higher at 1.5% of principal sum

On projected estimation, based on a RM10k outstanding limit, you will take 89 months to settle your debts

Lower Interest Rate

Minimum repayment is RM50 or 5% (whichever higher)of the fixed repayment amount

On projected estimation, based on a RM10k outstanding limit, you will take 36 months to settle your debts

The benefits of Easy Payment Plan

Normal Payment With EPP

If you pay lesser than your minimal amount, the bank officer will keep calling you

You will have no more cash flow left as all will be use to pay your credit card debts

Ccris record with Bank Negara due to credit card debts will make your applications for other important loans e.g home loans difficult.

You can afford to pay the significantly reduced monthly repayment, lowest at RM50 and the bank officer will not call you

Extra cash flow, can reduce debts and also use for other things

No more outstanding credit, better record at Ccris.

DIFFERENCES

(for illustration purpose only, amount

may be different)

(based on 10K Outstanding)

Normal Payment Easy-Payment Instalment

Full Payment RM10,000 RM347.22 billed monthly

(36 mth installment)

Minimum Payment RM10,000 x 5% = RM500RM347.22 x 5% = RM17.36

( Min RM50 or 5% )

If you pay RM50 or RM499,

Bank officer will keep calling

If you pay RM50,

No more disturbing calls from bank

officer

Interest Charges after minimum

payment

RM10,000 – RM500

= 9500 x 1.5%

= RM 142.50

RM347.22 – RM50

= RM 297.22 x 1.5%

= RM 4.46

Late Charges ?RM 10,000 x 1% = RM100

RM347.22 x 1%

= RM 3.47 (RM10)

Statement Balance

Statement record, Outstanding

Balance = RM10,000

Statement record, Outstanding

Balance = 0 if RM347.22 monthly

bill is paid promptly

FAQ OF EPP

This is not balance transfer or personal loans

This is what you call Balance Transfer Installment or Easy Payment Plan (Bank A to Bank A )Example : You have a Maybank credit card outstanding balance , you do not need a credit card from another bank to make program Balance Transfer Installment ( BTI ) , you only have to pay the outstanding credit card at the same bank , but the rate of interest / finance charge is lower

100% GUARANTEEDYou do not have to worry if your name is listed in CCRIS , just make sure the existing credit card is still active and can be use.

NO processing feesIf you apply for personal loans from the Bank to settle the arrears on your credit card , you will be charged a processing fees. EPP do not have processing fees.

Do NOT need a guarantor and collateralThe banking agencies will not ask you to submit a bank guarantor or collateral as banks do

NO need for any documentsThe bank agency will not ask you to submit any proof of your income ( eg salary slip) as banks do

FAQ OF EPP

Only 30 minutes to process your applicationBank requires at least a week to process your Balance Transfer request

There is no outstanding balance up to 48 months So, you can apply a new credit limit for your card or you can apply a new credit card

Reduce the burden on the minimum monthly paymentBank : 18 % @ 1.5% p.a p.mExample : Your credit card arrears of RM10 , 000 X 5 % ( minimum ) = 500.00/ month ( The minimum amount payable monthly to the bank)

BTI Program : 6 % @ 0.5 % p.a p.mExample : If arrears Your credit card is RM10 , 000/36 months = RM277.80minimum payment of our company: RM277.80 X 5 % = RM13.89 per month or RM50 ( Any higher)

Renew your records with the bank ( so you can make new loans )

Conditions of Joining

The credit card must still be ACTIVE ( can be use)Credit cards must not expire from the date given

You ( the major credit card holder ) must appear in person for verification purpose with the agent

Every Monday - Saturday 10:00 am to 6:00 pm

Documents required :

( IMPORTANT : Please bring along when coming to our office )

- Original Identity Card - Original Credit Cards- Your credit card statement, Original and the Latest.

Take action now to reduce your credit card debts!

100 % guaranteed approval

Easy and fast processing ( 30 minutes )

Fixed interest between 5-6 % per annum

36-60 MONTHS REPAYMENT

Monthly repayment BACK TO YOUR OWN ISSUING BANK

No Processing Fees

Save up to 54 % at interests charges

Reduce monthly repayment up to 48 %

Allow min payment as low as RM50.00

Instant Relief with EPP

A Maybank Card holder 3 months statements that reflect the changes once

on the Easy Payment Plan

Have a look at the differences!

Manage your debts now and reduce your stress with more cash flow!

FURTHER FAQ ABOUT SMART AGENTS

We are a service provider with more than a thousand agents in restructuring credit card debts working for a commission from the banks.

This is a valid service within the governing laws of Malaysia. It is known as the EPP or the Easy Payment Plan. This plan is more popular when you buy electrical goods in the shop of electric / electronic products , where you use your credit card to make repayments. It is called the 0 % payment scheme , Easy payment plans, etc. Just that now your debts is the ‘goods’

There is no money involve with us as we are paid directly from the bank

IF MY CARD IS “FULL LIMIT” AM I ELIGIBLE ?NO. However, there are several ways where you can get this service

SO WHAT MY CARD CREDIT BALANCE AFTER RESTRUCTURING ?Your credit card credit balance will be RM0 . CCRIS records will be clean.

How do I get this service now ?Contact us immediately

Make sure you take your last credit card payment statements and your credit card

Call me today : 016 2067763 NieCall Me Today - 016 6412935 Ms Low