Credit Card V8

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vin_ann

Sep 17 2009, 01:26 PM

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QUOTE(alexwsk @ Sep 17 2009, 08:58 AM)

maybe the mod forgot

oic

@Tinkerbel
its ur time to work... u can overide the other mod post and put in all the info ! hehe

QUOTE(ICDeadPeople @ Sep 17 2009, 10:50 AM)

Hi guys, got a question.
Can I cancel my cc even if I have some outstanding payment, say like ez payment?

can, then u need to settle all the outstanding balance.

ICDeadPeople

Sep 17 2009, 01:55 PM

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QUOTE(mouldybread @ Sep 17 2009, 11:18 AM)

yes you could, they would disable your card and the statements would continue to come until you finish paying it completely.

2 cents

Thanks man.
Thinking of getting rid of citibank card. Now will be looking for some other card as my spare.

-Shinjiz-

Sep 17 2009, 02:01 PM

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QUOTE(ICDeadPeople @ Sep 17 2009, 01:55 PM)

Thanks man.
Thinking of getting rid of citibank card. Now will be looking for some other card as my spare.

Curious about the reason behind on getting rid of ur CT card?

santaclaus

Sep 17 2009, 02:12 PM

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QUOTE(winner @ Sep 17 2009, 10:45 AM)

But I got the info from SCB CS twice that main card and supp card have a max rebate per annum of RM600 EACH.

confirm onot??? if like this good la

any1 noe scb better cs to confirm ... those answering call usually not sure bout this cc

ICDeadPeople

Sep 17 2009, 02:55 PM

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QUOTE(-Shinjiz- @ Sep 17 2009, 02:01 PM)

Curious about the reason behind on getting rid of ur CT card?

Well, main reason is I dont use it that much, my main card is maybank plat.
Second is sometimes they charge me to things like finance charge, which i dont know what is it for. And I also dont like calling them each time I need to waive my annual fees.

winner

Sep 17 2009, 03:36 PM

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QUOTE(santaclaus @ Sep 17 2009, 02:12 PM)

confirm onot??? if like this good la

any1 noe scb better cs to confirm ... those answering call usually not sure bout this cc

No matter what...SCB no longer accepts application for Just1 and supp cards, at least for the time being.

David83

Sep 17 2009, 04:55 PM

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TM autopay processer is MBF?

I got a letter from MBF.

vin_ann

Sep 17 2009, 05:45 PM

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QUOTE(David83 @ Sep 17 2009, 04:55 PM)

TM autopay processer is MBF?

I got a letter from MBF.

yes. i got use TM autopay before.

do u have any problem with it?

andrekua

Sep 17 2009, 06:21 PM

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QUOTE(ICDeadPeople @ Sep 17 2009, 02:55 PM)

Well, main reason is I dont use it that much, my main card is maybank plat.
Second is sometimes they charge me to things like finance charge, which i dont know what is it for. And I also dont like calling them each time I need to waive my annual fees.

You didnt pay full amount issit?
There was once where somehow I paid RM30 less than the full amount (not sure how). The next month I used about 5k and the latest rule is that when you got outstanding balance, they are going to charge 1.3% (cant remember exact figure) and end up my rebate for last month also not enough to cover this stupid finance charge. Finally call them up to explain it and got it waived after they found that I always pay full except for that particular month.

btr999

Sep 17 2009, 09:54 PM

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wat does credit limit mean?
i mean if i have a credit limit of 5k for one card, it is 5k per month, or max 5k only i can use for that card?

MilesAndMore

Sep 17 2009, 10:37 PM

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QUOTE(btr999 @ Sep 17 2009, 09:54 PM)

wat does credit limit mean?
i mean if i have a credit limit of 5k for one card, it is 5k per month, or max 5k only i can use for that card?

You can charge a maximum of RM5k only to the card.

btr999

Sep 17 2009, 11:31 PM

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QUOTE(MilesAndMore @ Sep 17 2009, 10:37 PM)

You can charge a maximum of RM5k only to the card.

so if im buying sth say rm6k with easy installment for 12 months, example rm500 to be paid per month, it means it will only charge rm500 credit per month (no other spend use) even i buy sth over my credit limit, right?

DarReNz

Sep 18 2009, 01:44 AM

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i have made so many calls to the cs regarding my scb justone can't even change pin, check balance, withdraw so they say they send me a second justone card which keep on being retained in the atm when i do the same so now they send me a third justone card and i am crossing fingers that it work otherwise i have given up hope on this technical issue

This post has been edited by DarReNz: Sep 18 2009, 01:46 AM

MoneySoSpecial

Sep 18 2009, 01:55 AM

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QUOTE(winner @ Sep 17 2009, 08:25 AM)

If the technical issue is unsolved, reissue of this product will forever be postponed to an infinite date.
I also wish to apply for a supp card after my existing card reached the max rebate limit. However, the issuance of new Just1 card is suspended, including supplementary cards.
Yes, it is not advisable to use SCB Just1 to purchase air tickets. Sometimes the cc gives you lots of direct benefits, it would make adjustment and omit other things. For instance, Amex Gold cc gives 5x points for certain transactions, but it also does not provide travel insurance.

Aiya, cannot apply sup card as well. Thanks for the clarification.
What is the technical issue? So far no problem using the card, only have issue with one bank Credit card device, which no way to read the card.

QUOTE(DarReNz @ Sep 18 2009, 01:44 AM)

i have made so many calls to the cs regarding my scb justone can't even change pin, check balance, withdraw so they say they send me a second justone card which keep on being retained in the atm when i do the same so now they send me a third justone card and i am crossing fingers that it work otherwise i have given up hope on this technical issue

Never use my card over ATM machine, maybe I should give it a try. see have the same problem or not

Gen-X

Sep 18 2009, 02:05 AM

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QUOTE(btr999 @ Sep 17 2009, 11:31 PM)

so if im buying sth say rm6k with easy installment for 12 months, example rm500 to be paid per month, it means it will only charge rm500 credit per month (no other spend use) even i buy sth over my credit limit, right?

You can't charge RM6K if your credit limit is only RM5K, unless you request for increase in CL. Say your credit limit is RM5K and you bought an item for RM4K (inmaterial if it is an installment plan or not), your balance credit you have is RM1K and that's the maximum you can charge to your card until you make payment and the amount of payment you make will determine the credit available again for you to utilize.

Read below link for clarification on CL:

http://en.wikipedia.org/wiki/Credit_limit

DarReNz

Sep 18 2009, 02:26 AM

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some banks auto increase your limit when u pay for the 12 months installment which includes the the total amount u would have to pay for the item so in your case your CL will go to 7k

Nuclear_Crap

Sep 18 2009, 02:35 AM

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QUOTE(DarReNz @ Sep 18 2009, 02:26 AM)

some banks auto increase your limit when u pay for the 12 months installment which includes the the total amount u would have to pay for the item so in your case your CL will go to 7k

so how about my case with Citibank??

after 1st apply n use several months (6 months if i'm not mistake)
i just realised when i check with them on phone my credit limit up to 6k (normal when i get this card is 4k)

i didnt get any notice with that n i didnt use any installment plan.

bingozero

Sep 18 2009, 07:23 AM

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I realize that many former in lowyat are holding citibank cc, i want to know what is the benefit with citibank cc compare with another bank cc?

Optiplex330

Sep 18 2009, 08:17 AM

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QUOTE(bingozero @ Sep 18 2009, 07:23 AM)

I realize that many former in lowyat are holding citibank cc, i want to know what is the benefit with citibank cc compare with another bank cc?

On the other hands, there are several people I know avoiding it like the plague due to pass dishonest practice like charging you late fee when there are no late payment.

aeronlim

Sep 18 2009, 08:45 AM

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QUOTE(bingozero @ Sep 18 2009, 07:23 AM)

I realize that many former in lowyat are holding citibank cc, i want to know what is the benefit with citibank cc compare with another bank cc?

I think this is because citibank can be used on oversea transaction, and they always giving free gift for new approval. Last time got a promotion, use RM 799 to buy a laptop for newly approved citibank cc....

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