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Matematik Tingkatan 3 Bab 3
18. Antara berikut, yang manakah tidak boleh dilakukan oleh seorang pemegang kad kredit? Bulatkan jawapan
yang betul. SP 3.2.2 TP1
Which of the following cannot be done by a credit card holder? Circle the correct answer.
A Tandatangani kad kredit sebaik sahaja diterima.
Sign the credit card as soon as it is received.
B Tidak memberikan butir-butir kad kredit kepada orang yang tidak dikenali.
Do not give credit card details to strangers.
C Catat nombor pin di belakang kad kredit.
Record the pin number on the back of the credit card.
D Semak urus niaga dalam penyata kad kredit.
Check the transactions in the credit card statement.

19. Selesaikan masalah berikut.
Solve the following problems.

(a) Min Hui menggunakan kad kredit untuk membuat bayaran pembelian jam tangan sebanyak RM1 500.
Amaun tersebut juga merupakan jumlah terkini pada penyata bulan Jun. Dia tidak membuat sebarang
bayaran balik untuk bulan Jun. Bank A mengenakan caj kewangan 18% setahun ke atas baki belum
jelas untuk 35 hari dan caj bayaran lewat 1% daripada baki belum jelas atau minimum RM10. Hitung
caj kewangan dan caj bayaran lewat yang perlu ditanggung oleh Min Hui. Anggapkan Min Hui tidak
menggunakan kad kredit selepas pembelian jam tangan itu. SP 3.2.3 TP4
Min Hui used credit card to make a payment of RM1 500 for a watch. The amount is also the current amount in June statement. She
didn’t make any repayment for June. Bank A charged a finance charge of 18% per annum on the outstanding balance for 35 days
and late payment charge of 1% of the outstanding balance or minimum RM10. Calculate the finance charge and late payment
charge that Min Hui had to pay. Assume that Min Hui did not use credit card after purchasing the watch.
Baki belum jelas / Outstanding balance = RM1 500
Tip Penting
18
35
Caj kewangan/ Finance charge = RM1 500 × 1 100 2 1 365 2 Tempoh tanpa faedah yang
×
= RM25.89 diberikan biasanya selama
20 hari.
1
Caj bayaran lewat/ Late payment charge = 1 100 2 × (RM1 500 + RM25.89) Interest free period normally is
20 days.
= RM15.26
(b) Eric membeli set perabot yang berharga RM2 000 dengan menggunakan kad kredit pada bulan April.
Dia hanya membuat pembayaran minimum sebanyak RM100 selepas mendapat penyata bulan April.
Bank B mengenakan caj kewangan 1.5% sebulan ke atas transaksi pembeliannya untuk 14 hari dan ke
atas baki belum jelas untuk 18 hari. Caj bayaran lewat yang dikenakan pula ialah minimum RM10 atau
1% daripada baki belum jelas. Hitung jumlah terkini pada penyata bulan Mei. Anggapkan Eric tidak
menggunakan kad kredit sebelum dan selepas pembelian set perabot itu. SP 3.2.3 TP4
Eric bought a set of furniture with a cost of RM2 000 using credit card in April. He only made a minimum payment of RM100 after
he received the April statement. Bank B charged a finance charge of 1.5% per month on his transaction for 14 days and on the
outstanding balance for 18 days. Late payment charge imposed is minimum RM10 or 1% of the outstanding balance. Calculate the
current amount in May statement. Assume that Eric did not use credit card before and after purchasing the furniture.

Baki belum jelas/ Outstanding balance = RM2 000 – RM100
= RM1 900 Tip Penting
Caj kewangan/ Finance charge Jika pemegang kad
kredit membayar hanya
1.5 14 1.5 18
= RM2 000 × × + RM1 900 × × sebahagian daripada
100 30 100 30 hutang kad kredit, dia akan
= RM14 + RM17.10 kehilangan tempoh tanpa
= RM31.10 faedah. Baki yang belum
dijelaskan akan dikenakan
Caj bayaran lewat/ Late payment charge = RM0 faedah.
If a credit card holder pay only
Jumlah terkini pada penyata bulan Mei part of his credit card debt, he
Current amount in May statement will lose the interest free period.
= RM1 900 + RM31.10 + RM0 The outstanding balance will be
charged with interest.
= RM1 931.10

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