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 Credit card V8, Anything about it

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vin_ann
post Oct 15 2009, 06:06 PM

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QUOTE(Alec.Yong @ Oct 15 2009, 04:35 PM)
It's a TNG Card link to credit card. It will auto reload when reach RM20...
rclxms.gif
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QUOTE(rayfoo @ Oct 15 2009, 05:57 PM)
correction: it'll auto reload when reaches minimum RM50
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add: it auto reload RM150 / RM100 with charges of RM2 per auto reload.


vin_ann
post Oct 15 2009, 10:33 PM

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oh shit,

just now checking my e-statement for Citibank and it turn out become black and white only.

the logo no more color...

citibank really determine to reduce their cost of doing biz..

vin_ann
post Oct 16 2009, 09:28 AM

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QUOTE(MilesAndMore @ Oct 15 2009, 10:51 PM)
I see that Citibank MY has adopted a new design for its homepage. Maybe they are trying to iron out some issues and it is temporary ? Else you can lodge a complain.

While the new homepage is nice, it is still lacking many useful informations. They should make a PDF file for its "fee & charges" part, just like HSBC and Standard Chartered. Still a LOOOONG way to go for Citibank MY  shakehead.gif  doh.gif

[attachmentid=1253144]
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colorless logo on e-statement only, im ok with it. haha...

FYI, OCBC e-banking also changed their layout.

dun have much free time to explore it...

anyways, change is good! hopefully change will give better 1 not the worse...
vin_ann
post Oct 16 2009, 05:48 PM

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QUOTE(winner @ Oct 16 2009, 09:47 AM)
I notice that e-statement of Citibank in pdf format has got a lower resolution since last month. I actually prefer this way. However, next month's statement will be the last e-statement I receive from Citibank (at least for the time being) as I have just terminated my Citi Plat cc for the purpose of consolidating my existing CCs. brows.gif
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is it?

last month no transaction so no statement. now only notice it.
haha

vin_ann
post Oct 19 2009, 01:24 PM

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QUOTE(btr999 @ Oct 19 2009, 12:26 PM)
is it all banks allow 0% (or any lower interest than normals) installment payment plan for any purchase that more than certain amount(2k i experienced)? or just certain banks? in my experience, UOB smsed me inform me regarding this feature when i purchased sth over 2k so i can just call back and tell them i want to apply.
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QUOTE(winner @ Oct 19 2009, 12:38 PM)
There is no such thing as a free lunch. There must be some hidden costs or upfront charges.
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yeah. perhaps they might just want to retain customer?
vin_ann
post Oct 21 2009, 01:05 PM

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QUOTE(hye @ Oct 19 2009, 09:49 PM)
It is co-branded card - normally it is harder to obtain AF waiver for co-branded card unless the AF waiver is part of their marketing strategy. CIMB Petronas card falls under this AF waiver category but the Enrich card is not.
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i understand that Enrich is for MAS only. how about using Enrich CC pay other airlines flights?

does it entitled the mileages point?

another Q is, did ur got apply frequent flyer membership even ur have enrich?
vin_ann
post Oct 23 2009, 09:06 AM

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QUOTE(Faidzal @ Oct 22 2009, 07:05 PM)
My wife applied for CC at Treatsfair back in July.

Til now, she has yet to receive her card.

Is this normal?

I bugged her to call the helpline, everytime they say the card is in process, I got fed up already, but my wife still waiting patiently. If it was me, I'd cancel already.....
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oh, tht shit le...

what u can do is ask ur wife call customer service, and find out where is the card located.

by defaults, they will send to your house and by automatic dun know why, the post malaysia will just send back to MBB saying no 1 come collect, and now ur wife card shd be sit at HQ.


vin_ann
post Oct 23 2009, 07:25 PM

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QUOTE(tinkerbel @ Oct 23 2009, 06:24 PM)
I certainly ain't happy with the new rule implemented; and I doubt a lot of people here are going to be upset too.  I feel the bank shouldn't be imposing on the consumers; instead of they want to charge they should start charging the banks; it is after all them who benefits the most from us [provided the card is used and not kept for keepsakes]

Also, if I'm oredi paying RM800 AF for a CC, Y should I pay an extra RM50?  Just so our national education institutions can go buy RM40k+ outdated computer?

I'm not going to do anything; will just sit and wait for the bank to send me letters and then I'll decide.  Looks like I'm gonna give up on several cards. 

Maybe banks will decide to pay for those who actually uses the card? smile.gif
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im same opinion with you although im din have to pay RM800 AF. icon_rolleyes.gif Going to wait and see. see which bank offer waiver and keep the card....
now i have excuses to reject the CC sales person," Eh ur card got charge RM50" i dun like it" haha



QUOTE(zenquix @ Oct 23 2009, 07:19 PM)
Still no news whether this applies to charge cards and debit cards. I am gonna need to cut a number of cards since I have very few active cards at the moment.

Anyone know whether we can settle 0% installment payments on a card and cancel it or we need to continue holding it?
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those with 0% installment plan will get stuck! want cancel also can not cancel, perhaps, u can opt for early settlement. its up to bank decision.
vin_ann
post Oct 23 2009, 07:27 PM

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[quote=tinkerbel,Oct 23 2009, 07:22 PM]
@simplesmile,
The CS might not be pretending; the budget speech was just announced hours ago; do U think the banks oredi had time to brief their staff?


yaya. im agreed with you. The bank will see which bank to be the 1st bank to act on this matter.




vin_ann
post Oct 23 2009, 07:36 PM

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QUOTE(tinkerbel @ Oct 23 2009, 07:32 PM)
@hye,
Hmm... so this has been introduced before?  And what happened to it then?  Banks started introducing Annual Fees and they'll use these fees to offset the Service Charges? 

I guess if I could get Amex to give me a waiver for RM800, I should be able to convince them to give me another RM50 waiver right?! tongue.gif

PS: I'm not old enough to know the history so be great if u can shed a light.
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we love to hear on ur RM50 waiver tricks...

QUOTE(simplesmile @ Oct 23 2009, 07:33 PM)
The CS could have just acknowledged the issue and tell me the Bank/Management/Boss will update them when ready. Instead of pretending not knowing the issue at all. This reflects on the professionalism on how the bank handles its customers.
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but, not every bank CS are able to pick this up.

vin_ann
post Oct 23 2009, 09:36 PM

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anyways, this is a reminder to all.

stop over-use . over depend on cc.

anyways, i going to "potong" my Maybank Petronas card and also islamic card.
vin_ann
post Oct 24 2009, 10:43 AM

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every1 is talking about cutting down their CC.

this is a very good alarm to bank and we can expect the CC industry is going to be very competitive soon.

we consumer will gain at the end.

vin_ann
post Oct 25 2009, 07:54 PM

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QUOTE(MilesAndMore @ Oct 25 2009, 07:41 PM)
Exactly  tongue.gif
If i'm not mistaken, the one you saw them entering PIN number instead of signing a slip in the EU such as Germany and Switzerland are not credit card. Instead they are paying using debit card. Unlike USA and here in Asia, debit card is actually more popular in Europe. The cards they use are mostly Maestro and Maestro belongs to Mastercard.
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agreed. Even UK also the same.

vin_ann
post Oct 26 2009, 08:52 AM

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Any 1 start the cancelling process already?

expect huge volume of ppl cancelling and ended delay in process and hope the bank wont delay until 1st Jan 2010.

vin_ann
post Oct 26 2009, 01:47 PM

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QUOTE(Aeon_Clock @ Oct 26 2009, 10:15 AM)
is anyone here an agent for OCBC bank? I want to apply the OCBC Great Eastern card.


Added on October 26, 2009, 10:22 am
true, that RM1000 extra tax-relief doesn't seem a lot too.
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no worry, there are some here...

btw,

is annual fee Vs service fee both different thing right?

vin_ann
post Oct 26 2009, 02:27 PM

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QUOTE(hye @ Oct 26 2009, 02:14 PM)
Please quote your source so that we could verify your claims. Your news is a little weird.
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i also saw this news in the chinese newspaper. forget which chinese newspaper already.

Finally i found, its in Chinese...

QUOTE
(雪蘭莪‧八打靈再也)財政部副部長拿督曹智雄表示,政府暫時不允許各商業銀行代消費人繳付信用卡服務稅,或以此作為促銷信用卡的策略。

他說:“中央銀行會在最短的時間內公佈這項措施的細節,以讓銀行代政府征收每張主卡50令吉,附屬卡25令吉服務稅。”


simple translation: deputy finance minitry dato chao zhi seong said, government temporary not allow commercial bank to absord the service charge on behalf of consumer or as promoting credit card strategy.

he said: Central bank will issue details guide line in shortest time, so that bank will represent government to collect RM50 for principly and RM25 for sub-card.

Source: SinChew-i

This post has been edited by vin_ann: Oct 26 2009, 02:46 PM
vin_ann
post Oct 26 2009, 02:58 PM

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QUOTE(MilesAndMore @ Oct 26 2009, 02:56 PM)
I'm looking for several banks credit card centre fax numbers now  laugh.gif  vmad.gif
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is every bank have the same procedure on cancellation of CC??


vin_ann
post Oct 26 2009, 03:22 PM

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QUOTE(NSR @ Oct 26 2009, 03:03 PM)
i think Aeon Finance will become the major looser bkoz their credit limit so low and just started. So i expect up to 90% of their cc holder will stop.  shakehead.gif
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not necessary.
perhaps major Aeon CC holder are opt for 0% instalment, then they get stuck already.
vin_ann
post Oct 27 2009, 08:29 AM

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QUOTE(ronnie @ Oct 27 2009, 08:26 AM)
Credit card service tax may be absorbed

Banks likely to come up with a scheme for users

PETALING JAYA: Banks are likely to absorb the RM50 service tax on credit cards, considering that they already provide cardholders with rebates worth more than this.
I like this article

Source: http://biz.thestar.com.my/news/story.asp?f...59&sec=business
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yeah. im just read it.

vin_ann
post Oct 27 2009, 08:42 AM

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QUOTE(hye @ Oct 27 2009, 08:32 AM)
I told you guys it could happen! I just smiled reading this thread readers reaction to the service tax.  blush.gif
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soon more term n conditions tht we have to complied with in order to get waiver...


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