This post has been edited by bingozero: Dec 10 2009, 05:29 AM

if you had 20k FD in bank i think it is not problem for u to apply CC

Which bank do you keep your money?
Just show them the bank statement. If they don't offer you, go to another.

A very specific minority groups' pockets will become thicker and thicker.


During good times, getting dividend of 7%-8% is not uncommon. I don't think the dividend will be more than 7% this year! Let say the dividend is 6.5% and your mortgage rate is fixed at 5.0%, it should be a good bet for ASB solely given to Bumipteras as you can just sit and wait for the extra income without giving any upfront.

I have a current islamic account at EON bank. FD is at EON also.
Will go ask them tomorrow.

Actually even back in 97, the dividend declared was 10.25% + 1.25% bonus. Then in the following year, the dividend declared was 8% + 2.5% bonus.

2001, 2002 and 2008 registered the lowest dividend at only 7% but the bonus given in year 2001 and 2002 was higher compared to last year. But then, the balance in your account must be consistently the same over the last 10 years in order to get the whole bonus given. Overall, the return of ASB is on the declining trend

Anyway, since most of the shares prices have rebounded, i assume the return won't be so bad and a total return of no less than 9% shouldn't be a dream. We shall find out next week

As for the loan, i still have my reservation on the loan ... still not sure if it is a good idea to take up the offer. But then that is not something i need to worry about


They should be able to offer you a credit card secured by FD. Come back and tell us how does it work for EON Bank.

omg, so low already the return...but still better than some Public Mutual fund lah that gave me 2.5% return for 07 and 08

This is a credit card thread.

Why investment is being discussed here?

9% this year? You must be dreaming! Just look at what you get for other AS products. If they really 9% for ASB this year, it will be too obvious that they purposely help the so called indigenous people.

You don't worry about the loan and I totally understand what you mean.

Hey ! Don't ruin my dream

9% as in dividend + bonus. It might turn out not to be a dream after all. We shall find out soon. I'm extra nervous this time around because i really could use the "sweets" now

Call in to Citibank to enquire about my card. I was too dissappointed with their call center. The verification process is taking way too long. Too stupid. I thought their CitiGold customer service is supposed to be better.

The process :-

Full Name? = OK
First they verify my IC number? - This is acceptable.
Date of Birth? = OK <--- This step is totally useless because I've already verified my IC number!!!!!
Your last transaction? = OK
How many cards you have with Citibank? = ONE
How many supplementary cards do you have? = ANOTHER STUPID QUESTION Repeated question!!!
Your last transaction place? = STUCKED!! I've totally forgot where I've used my card. I've remember using it in Pavilion but the agent there asked 'Okay, which shop you use it? OMG I was about to slammed the phone After I skip this step, the agent then proceed to ask me OTHER questions to replace this one instead.
Did you use your card to pump petrol?? - I said yes
Which petrol station? - I tell myself if you asked one question, I will swear at the damn phone

Next time if this happen again, I will reply sarcastically "Do you remember what you eat last week?"

How do you remember? We've got alot of things in life to do..and they expect us to remember every damn transaction?
Basic verification questions is acceptable but this is getting ridiculous I wonder whose the person in-charge in their CitiGold telebanking department. Apart from that, overall service is still OK as their agent is quite polite also

Suggestion : Improve the telebaking process Citibank! Dialing in, we've already pressing so many numbers to speak to an agent. If time is still wasted on this kinda verifying process, its truly a let down. Maybe it's for security purposes but we are busy people. ASK SOME ACCURATE AND RELEVANT QUESTIONS. Sorry for my rant members.

This post has been edited by leyley: Dec 10 2009, 10:45 PM

me understand how you feel as me also eagerly waiting for the 'good' news

oh, not sure if this repeated question, is it possible to track CIMB DA transaction online? or have to wait the statement comes?

Yes with CIMBClicks.

hmm weird, i explored the whole menu but didnt get to see any credit card section, or was it under other name? cimbclicks's service now is unavailable... =.=

thanks anyway, i will try again later when its back up.

This post has been edited by elru: Dec 10 2009, 11:00 PM

We can view the generic CIMB Bank credit card transactions on cimbclicks. I guess for Direct Access you will need to go into their branch to ask them to manually add into your cimbclicks ?

mmm yea, i will call them tomorrow morning. thanks mate

my DA automatically added in CIMBClicks after approval..

It's under Account Enquiry > Account Summary

This post has been edited by ronnie: Dec 12 2009, 01:00 PM

Just received my Citibank Shell card statement. Now I know how their rebate system works. The amount of accumulated rebate that can be cleared from your account depends on the amount of Shell fuel you pump. So I got RM50 rebate in it, but I tried pumping RM5 shell, all I get is RM5 rebate cleared. The rest still aint cleared. Sucks as Shell RON95 is the worst among them all. Looks like the timing is right as just confirmed to switch my Alliance Bank Gold card to Younique and therefore can cancel my Citibank card tomorrow. Thanks you Citi for all the rebates and discount that I enjoyed during the 1 1/2 years.

A word of caution on Alliance Younique. I tried calling their CS many times one day and never got through. Worst they put you on hold long enough (and running up your call charges) and then cut you off automatically. So I send them an email saying i can't contact them but they hasn't reply. Furthermore, they don't work 24/7.

Bottom line. If you are overseas and need to call their CS for urgent matter, good luck to you.

The only thing good is their rebates. They have crystal clear rebate tier system and you know exactly what you will get. Unlike others like RHB Travel Money nowadays and your citi. And unlike AMEX, accepted everywhere because it is a MC.

Another thing about citi. I have extremely bad experience with them. They will charge you late payment fee when there are no late payment. Every month!

This post has been edited by Optiplex330: Dec 11 2009, 07:02 AM