Credit Card Thread V7, Everything about the world of plastic
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 Aug 26 2009, 06:07 PM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia  
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Hi,
Am not sure if this has been discussed here but any Citibank users received letter/statement from Citibank re change in CL calculation? I received a letter but I haven't quite bothered to read the 2 page letter - lazy mah, anyone wanna give a brief summary?  |
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Aug 26 2009, 06:20 PM
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Junior Member
144 posts Joined: Feb 2008 From: Penang resides in Kayelll
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Hello all,
I would like to know if I can use my Maybank credit card to pay HLB loan? And let say if I want to use Cash Advance, wat do I do? Go to the ATM? Get the money from the counter? Do I need to call them up or anything? Thanks a lot  |
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Aug 26 2009, 06:38 PM
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Senior Member
1,139 posts Joined: Nov 2008 
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QUOTE(PinkGenie<3 @ Aug 26 2009, 06:20 PM) Hello all, Its unwise to pay debt with another debt. Cash advanced have a fee somemore.I would like to know if I can use my Maybank credit card to pay HLB loan? And let say if I want to use Cash Advance, wat do I do? Go to the ATM? Get the money from the counter? Do I need to call them up or anything? Thanks a lot  |
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Aug 26 2009, 07:05 PM
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Senior Member
2,354 posts Joined: Feb 2005 From: Subang Jaya 
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QUOTE(tinkerbel @ Aug 26 2009, 06:07 PM) Hi, It means let say you got two citibank credit cards and they got own credit limit respectively, thus will add up ur credit limit..But now, your credit limit based on individual highest credit limit and not combined as previously...Am not sure if this has been discussed here but any Citibank users received letter/statement from Citibank re change in CL calculation? I received a letter but I haven't quite bothered to read the 2 page letter - lazy mah, anyone wanna give a brief summary? |
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Aug 26 2009, 07:07 PM
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All Stars
52,874 posts Joined: Jan 2003
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Aug 26 2009, 07:15 PM
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(PinkGenie<3 @ Aug 26 2009, 06:20 PM) Hello all, I doubt you can use CC to repay a loan or hire purchase. Somebody did raise this before.I would like to know if I can use my Maybank credit card to pay HLB loan? And let say if I want to use Cash Advance, wat do I do? Go to the ATM? Get the money from the counter? Do I need to call them up or anything? Thanks a lot On the other way, it's totally unwise to perform any cash advance due to the exorbitant financial charge (in daily basis). You need a PIN for your CC to perform cash advance at ATM. Also bear in mind that there're an upfront financial charge for the withdrawal and financial charge will be imposed from the day you perform the withdrawal till you clear the withdrawn outstanding amount. |
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Aug 26 2009, 07:23 PM
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Elite
8,601 posts Joined: Jan 2003 From: KL 
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QUOTE(PinkGenie<3 @ Aug 26 2009, 06:20 PM) Hello all, Do you know that youll be charged a fee upon withdrawal of cash with your CC and then you'll be charged interest daily until you settle the withdrawal amount together with the interest charges. Better you go find another altenative...... maybe to the extend of selling off your car or changing to kancil.I would like to know if I can use my Maybank credit card to pay HLB loan? And let say if I want to use Cash Advance, wat do I do? Go to the ATM? Get the money from the counter? Do I need to call them up or anything? Thanks a lot |
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Aug 26 2009, 07:24 PM
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All Stars
52,874 posts Joined: Jan 2003
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For DA cardholders, do you receive marketing emails to your inbox?
Wondering if I could unsubscribe it. |
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Aug 26 2009, 08:50 PM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia
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@David83,
iYah....... that's similar to the letter I receive - might as well I just read the damn letter and digest it on me own  Was hoping someone could summarise it mah, but nm lah it's okie I've learnt not to be spoon fed Thanks anyways Also, I'm quite sure U can unsubscribe to marketing emails; just click on unsubscribe |
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Aug 26 2009, 09:03 PM
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All Stars
52,874 posts Joined: Jan 2003
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But the website has animation that demonstrate different scenarios.
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Aug 26 2009, 09:10 PM
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Junior Member
7 posts Joined: Oct 2008 From: Pelindung
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QUOTE(MoneySoSpecial @ Aug 26 2009, 02:59 PM) Thanks. I didn't noticed there's actually a lot co-brand platinum card. By reading the small broucher, stated no annual fee, debt cover by insurance, point can be convert to RM orI can't sure when writing HSBC Premier as world MasterCard, but I do get the info from others forum before. When I find further detail in MasterCard website, the only 2 banks listed to offer World MasterCard which are CIMB & MBF cards only. http://www.mastercard.com/sea/personal/en/...uest_world.html So you are right. Added on August 26, 2009, 3:05 pm Mind to tell why you want to apply Bank rakyat credit card since there's a lot credit card to choose from. I don't have the cards, so cant comment for the service. The good point is the cash withdraw fee is the lowest, 3% or RM30 whichever is higher.  add to some holiday package, also can pay zakat. But not sure ... on balance transfer. 1 must off. Don't want to have 2 CC.  |
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Aug 26 2009, 09:16 PM
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Moderator
3,395 posts Joined: Dec 2007 From: 서울, South Korea
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QUOTE(Pelindung @ Aug 26 2009, 09:10 PM) By reading the small broucher, stated no annual fee, debt cover by insurance, point can be convert to RM or If you like the card then by all means just go and get it. The regular folks here have been using cc for a while, so likely they have their own preferences. If you ask any of us then we will then you apply this and that but I always say to everyone that ask me, cc is an individual choice coz only you yourself knows your own spending patterns.add to some holiday package, also can pay zakat. But not sure ... on balance transfer. 1 must off. Don't want to have 2 CC. No such thing as best credit card in Malaysia ... it is all a matter of preferences. |
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Aug 26 2009, 10:17 PM
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Junior Member
7 posts Joined: Oct 2008 From: Pelindung
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QUOTE(hye @ Aug 26 2009, 09:16 PM) If you like the card then by all means just go and get it. The regular folks here have been using cc for a while, so likely they have their own preferences. If you ask any of us then we will then you apply this and that but I always say to everyone that ask me, cc is an individual choice coz only you yourself knows your own spending patterns. Nothing about that hye, just want to know previously in thread .. whether can do transfer balance. Some bank cannot, some can.No such thing as best credit card in Malaysia ... it is all a matter of preferences. guest non bank rakyat users here.... This post has been edited by Pelindung: Aug 27 2009, 12:31 PM |
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Aug 26 2009, 11:19 PM
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Moderator
9,301 posts Joined: Mar 2008
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QUOTE(Pelindung @ Aug 26 2009, 12:45 PM) Bro, just need some info here. Anyone using Bank Rakyat Credit card? how the servis? o.k or k.o? can be transfer balance between card? Want to closed my maybank c. card but have a bit balance. 1k. QUOTE(Pelindung @ Aug 26 2009, 09:10 PM) By reading the small broucher, stated no annual fee, debt cover by insurance, point can be convert to RM or You should give CIMB Bank a serious consideration. I also believe CIMB Bank credit card balance transfer is one of the most best in town. It also has many promotion year-round. I'm not exactly a fan of CIMB Bank as i find their customer service sucks (tellers are fine but those customer service staff suck BIG TIME). However, they do have one hell of a credit card add to some holiday package, also can pay zakat. But not sure ... on balance transfer. 1 must off. Don't want to have 2 CC. CIMB Bank is everywhere in Malaysia, easier for you to make credit card payment |
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Aug 27 2009, 09:54 AM
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Junior Member
47 posts Joined: Aug 2009
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Yeah, CIMB cards have alot promotion, planned to get one CIMB card to use in Perfect Livin' 09
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Aug 27 2009, 12:44 PM
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Junior Member
7 posts Joined: Oct 2008 From: Pelindung
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QUOTE(MilesAndMore @ Aug 26 2009, 11:19 PM) You should give CIMB Bank a serious consideration. I also believe CIMB Bank credit card balance transfer is one of the most best in town. It also has many promotion year-round. I'm not exactly a fan of CIMB Bank as i find their customer service sucks (tellers are fine but those customer service staff suck BIG TIME). However, they do have one hell of a credit card Just called Bank Rakyat myself. they cannot do transfer balance yet. waste time only! CIMB Bank is everywhere in Malaysia, easier for you to make credit card payment  CIMB? got link??This post has been edited by Pelindung: Aug 27 2009, 12:48 PM |
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Aug 27 2009, 12:54 PM
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Senior Member
7,496 posts Joined: Feb 2007
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just wanna update never use your scb justone to run any transaction at the atm otherwise your card will be retained
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Aug 27 2009, 01:55 PM
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Senior Member
4,094 posts Joined: Jan 2003 From: USJ
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QUOTE(DarReNz @ Aug 27 2009, 12:54 PM) just wanna update never use your scb justone to run any transaction at the atm otherwise your card will be retained u mean other banks' ATM or even scb's one? |
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Aug 27 2009, 03:05 PM
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Junior Member
115 posts Joined: Sep 2008
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how long does it take normally for the application to be approved and till receving the card?
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Aug 27 2009, 03:43 PM
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Moderator
3,395 posts Joined: Dec 2007 From: 서울, South Korea
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QUOTE(btr999 @ Aug 27 2009, 03:05 PM) how long does it take normally for the application to be approved and till receving the card? Depending on the bank that you choose to apply from and method of your application submission. Some are faster than others and some are ultra slow. It also depends on your luck ... same cc product but some people takes a while to be approved and some are very quick. |
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