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Added on August 19, 2009, 3:04 amHehe ... Because I am the eldest son in my family and if anything wrong,I cannot afford to lend money from ahlong,so I think better that I owe bank rather than ahlong so I better get money from bank.
I will , hehe .. HSBC tower just infront my office .. wee xD

This post has been edited by WhiteWing: Aug 19 2009, 03:04 AM

Why not you call banks directly to apply? Don't know about other banks, but Standard Chartered sent their boy to pick up my docs and let me sign the forms. I never had to step out of the office.

This post has been edited by Dannyl: Aug 19 2009, 07:49 AM

true. agents usually do not want to take up such cases as they want commission and any borderline cases may = work for no commission.

going directly to the bank = service + additional income so no harm doing.

Ok, this is good to know. My ABMB ATM card has the Cirrus logo. I'll call them up to confirm and see if there's any overseas withdrawal fees. BTW, what about the "Maestro" logo?

Exchange rate @ ATM is better than our local money changer? That's good news to me

Sorry for digressing into ATM territory! But this is a good alternative/addition to CC usage overseas.

This post has been edited by Dannyl: Aug 19 2009, 07:58 AM

the usual withdrawal fee for PLUS and CIRRUS networks are RM10-12 from some googling i did.

Always try to withdraw using your ATM card (must have either the Cirrus or PLUS logo) from overseas ATM machine.

Charges range from:
Zero. For HSBC Premier ATM card from any overseas HSBC ATM machine. I am sure citibank will have something similar.

RM5. Normal HSBC ATM card from any overseas HSBC ATM machine.

RM10-12. For most cards from any overseas ATM machine.

Using credit card to withdraw will result in 5% extra charge on top of the above charges. So use it as a last resort.

As for foreign currency exchange rate. Mastercard (include Cirrus) and Visa (include PLUS) rate are pretty good. Majority of the time, better than from bank counter or bank draft or Telex transfer or money exchange kiosk.

This post has been edited by Optiplex330: Aug 19 2009, 11:13 AM

for HSBC ATM card, which have PLUS and CIRRUS sign, if u withdraw from oversea HSBC branch, per withdrawal only charge RM5.

I am planning to apply for cc. preferably CIMB Petronas CC. but if u guys hv any other suggestion, pls do tell me. i just need some advices from otai2. My objective to apply for cc is for my fuel .Monthly i spent 300rm average on fuel going to work. Can someone advice me on somethg about this cc things. . i am a fresh graduate just started working life. kalu ada exec bank nak tlg pn bole. u can contact me at my email. TQ in advanced.

finally, my Amex gold credit card appeared in my maybank2u.com, obviously maybank had approved my application on Amex gold credit card..
but i havent receive the card yet..

i tried to pay bill with the Amex.. but the pay bill "from account" options dont have option to choose Amex gold credit card, the options are only my current credit card..

is it because i need to receive the card and activate it before can use to pay bill?

or Amex gold credit card cannot use for maybank2u to pay bill??

Most of the bills in Maybank2u online can only use Visa/Master or cash from account only. So far I did not see any bills that can pay using Amex, except register to Auto-pay (direct debit).

Yes. There definitely is overseas withdrawal fee. It is either RM8, RM10 or RM12. All different banks have different overseas withdrawal fee.



Maestro also belongs to Mastercard. If your card has the Maestro logo then it can also be used at Maestro supported ATMs.


HSBC regular banking ATM card (white in color) has the PLUS logo behind

HSBC Premier ATM card (black in color) has the CIRRUS logo behind

There is no handling fee of any sort if you use HSBC Premier ATM card to withdraw cash at overseas HSBC.

Yeah .. I think citibank they don't want me alr since they got my record ... haha , I will go direct to HSBC tower when my off day ~

OHh ..

can go for direct acess for it as offering 2% for all petrol station.

From 1-July to 31-Dec-09, it will be 5% on the 1st day of every month and from any petrol station.

Sorry for digressing... again.

Overseas ATM withdrawal fees:
Maybank - RM12
Alliance Bank - RM8

Cirrus and PLUS requires activation first before overseas withdrawal. This can be done by calling your bank or at the ATM itself.

Yalah..even some bank officer also got 'dog eyes'. I went to a MBB branch to apply for amex gold cc, he check my current card limit and straight away reject me..however i do fax my salary slips to card center, approved and credit limit totally increase more than 50%.

I need some useful and supportive advices here. I am a new graduate just get a job and want to apply a cc, i have at least 22k annual salary. the card will be used mainly for buying stuff online(like ebay) and for groceries at local hypermarkets(mainly tesco, giant & carefour). i dont understand much about cc just basic functions i need to know which card get a better rebate and lowest interest charge(this sounds important to me :S). which bank credit card will be most suitable?

For lowest interest charge, go for Affin Bank (9.99% P.A). Their CC is truly free for life as well, no minimum swipes needed. But other than that they're probably the worst in terms of rewards and all.

You may want to check up this site for lots of useful info:
http://1-million-dollar.blogspot.com/2009/...t-cards-in.html

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Added on August 19, 2009, 10:33 pmAnswers here:
http://1-million-dollar.blogspot.com/2009/...etrol-pump.html

This post has been edited by cannavaro: Aug 19 2009, 10:33 PM

For CC applied through TD, will there be any annual fees?

I think it is free for life for Public Bank as long as it is pledged by TD. As for HSBC, the annual fee for their VISA Platinum credit card is RM600/pa for regular banking/non-HSBC account holder and RM300/pa for HSBC Premier customers. However, i was told that the annual fee for HSBC credit card will be automatically waived provided you swipe it at least 12 times a year.

This post has been edited by MilesAndMore: Aug 19 2009, 11:34 PM