i have never trust maybank since some issue with them earlier. but too bad they are the only local bank with a friendlyuser internet banking and widely accepted many atm branch...but u know lar...typical MALAYsia shit

yes maybank screw it up, i requested the amex cc to be sent to my office but they sent it to my house by poslaju. Pos msia is another pain in the @rse because nobody was at home & they just dropped a message into mailbox requested me to collect the card at their centre in Taman Shamelin Perkasa.

wat to do... my salary also using MBB...

ya lo... same as my case, but my area can be gombak o tmn melawati...

You can ask poslaju for second delivery to your office.

Saadiq $aver's interest rate has dropped significantly. If i'm not mistaken, the first RM5000 won't have any interest paid. Last time i checked the rate was last week.

I just check again at SC website. You are right, the interest rate drop significantly & the most annoying thing is they change the tier rate. Previously, if you have at least RM15k, you can enjoy close to 1 month FD rate but now even you have RM200k in there also they only give 1.5%.

JustOne account now have higher interest rate compare with saadiq saver

Yeah ... Saadiq Saver interest rates is so scary. I can't find where is JustOne interest rates, where did you find it ?

http://www.standardchartered.com.my/_docum...terest-rate.pdf

Look here, there is a pdf file, that shows the rate.

http://www.standardchartered.com.my/person...rds/justone/en/

I just look at my saadiq saver account, in July they still pays about 1.5% interest.

I don't think you can use the cc when the current acc is closed. The current acc is a requisite alongside the Titanium cc. Not only that, the bank also forces Just1 customers to have a cheque book when the current acc is approved. I don't mind to have another current acc but I don't need the cheque book. But SCB told me that I must have one in the beginning, and keep/destroy the cheque book forever if I don't issue any cheque.

Since I obtained SCB Just1 cc and acc, I have begun using SCB current acc and stopped using my HLB current acc. Reason being SCB current acc offers one of the highest interest rate in town. If I don't have an existing home loan with HLB, I should have already terminated my HLB current acc as the interest rate is much lower than what SCB offers me now.

However, I am not satisfied with SCB acc processing department who sent me the cheque book from Kajang branch. I applied Just1 through SCB CS main line and my house is not located near Kajang. There are quite a number of SCB branches in PJ and KL. In fact, there is an SCB branch located less than 2km from my house. I may encounter some difficulties if I want to cancel the current acc in future as I need to personally go to Kajang to cancel the acc and take back the acc balances.

So, the conclusion is that MBB gave empty promises of issuing CCs within 2 hours upon application approvals during Treats Fair.

In fact, MBB has never impressed me. Unfortunately, Amex has now associated with MBB, and I am planning to get an Amex cc soon.

Thanks, I will call their CS soon to get clarification.


I think all JustOne Current Account issued at Kajang branch. Earlier, their CS told me that all JustOne CAs are handled by this branch.

Thanks guys. SCB just basically remove the links to the JustOne info page.
One note however, if you noticed SCB revised the rates for SaadiqSaver and eSaver sometime in August 4th 2009. Don't you think the JustOne rates could have changed as well ? The PDF inside the JustOne page which displays the rates are the old rates. (At least they are as what I captured it to be in July 2009)

Update

The new JustOne interest rates are as per below (I believe it is updated on the 4th August 2009 as well)

JustOne <2k 0.50%
2K-50K 1.00%
50K-100K 1.50%
>100K 2.00%

This post has been edited by hye: Aug 7 2009, 10:02 AM

If your information is correct, it is to assume that, SCB, indirectly, forces its Just1 customers to hold their current accounts. It is because Kajang is not in close proximity to other major towns of the Klang Valley, and its Kajang branch has a small customer base.

mine justone ca oso from kajang branch
but no worries la, when u don't want it, just transfered the money out to another account or withdraw using the all mighty scb justone cc until zero balance

then leave it for 7 yrs and it will auto closed

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Added on August 7, 2009, 10:03 amoh yea, this is the latest, all drop by 0.38%

This post has been edited by alexwsk: Aug 7 2009, 10:04 AM

You can write in to the SCB branch to close your account if that need ever arise. No worries.
Same scenario as I'm thinking to close my Saadiq account but I hate to go to the Taman Tun branch nor it is possible for me to go on a weekday. The CS assured me that I can do it via mail and probably they will call me to confirm verbally once they received the letter.

Not the best or most efficient option but at least there an option.

This post has been edited by hye: Aug 7 2009, 10:09 AM

OMG! The rate has been reduced! The rate is now similar to Alliance Hybrid Acc but it is STILL much higher than my HLB current acc.

The problem is I may need to get a new cheque book if I really wanna use SCB Just1 acc as my main current acc. Also, I have already put some money into the current acc. In future, can I withdraw all the money from the current acc making it "0" balance? If not, I have to go to its Kajang branch to close the acc and get the balance back.

yes, you shud be able to withdraw until ZERO as the account has no minimum balance requirement, and don't forget that it started with zero
can't they mail the cheque book to u? or collect at another branch?

as for closure, what hye said above is another method

Is there any way to up my credit limit for new Amex Gold Credit card? I registered during treatsfair and they give only 1k credit limit. Totally ridiculous. I give CS a call and wait 1 week for the the process. Today they call and said application for credit limit rejects
(CS told me they don't know the reason). Today I know that CS told me its not combine limit with my Ikhwan card. Its really confusing. Which one is true? Combined or not?

This post has been edited by Putraskyline: Aug 7 2009, 10:31 AM

it shud be combined, on the letter with the card on it, it mentioned Combined Credit Limit
mine limit is the same as mine MBB Petronas Gold

btw, do you need to sign and submit the upper portion of the letter back to MBB branch b4 u can use the card?

Yup ... rates lowered already but IMHO it is still the nest rates in town even if you compare with any banks (local & foreign) in Malaysia. Just call up the CS (or maybe can request cheque book via the online banking) and they will courier it to you. It should be similar as to how you obtain it in the first place. (They courier it to me, no extra charges for courier)

I think you can keep the account 0 balance coz I'm one of them. What I do to keep the account active is to use the scheduler (in the online banking) and move funds in and out automatically once a month.