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 Credit card V8, Anything about it

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WhiteWing
post Sep 24 2009, 03:06 PM

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QUOTE(winner @ Sep 24 2009, 12:53 PM)
You need not provide ALL as mentioned. It's bullshit. smile.gif

Besides IC, you only need to provide a photocopy of your cc which is more than 12 months. If your existing cc is less than 1 year, you can then provide 2-month pay slips to support your application.
*
Good to heard that,if my cc less than 1 year,I just provide them 2-month pay slips to them biggrin.gif ~
WhiteWing
post Oct 1 2009, 04:54 PM

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QUOTE(Livko Tilitovo @ Oct 1 2009, 04:35 PM)
Those existing customer who wanna apply Eon GSC better stay away...totally useless card ...the discount is too little and without the bonus ...don apply if ur their existing card member
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Eventhough the discount are too little but for a cinema freak like this,there are enough biggrin.gif ~
WhiteWing
post Oct 17 2009, 11:31 AM

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I received my GSC Eon Bank Credit Card. Well .. look good and I got gold biggrin.gif ~
WhiteWing
post Nov 14 2009, 01:26 PM

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Guys,I have a question for credit card.

I got 1 credit card and I use it to do installment plan for my laptop. Every month I have to pay RM 255 for the laptop and of course the balance I have to clear. My balance for the installment plan to clear is RM 1,810 and I got extra money and I can pay up all in the same month,will the bank charge me anything for settle the installment amount early ? huh.gif

Any sifu please help notworthy.gif
WhiteWing
post Nov 14 2009, 05:10 PM

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QUOTE(jack2 @ Nov 14 2009, 02:44 PM)
Is your instalment amount debited to your credit card account monthly? If yes, you can't pay off all since you will get credit balance or some banks do not allow to pay more than what it is owed.
If no, then you have to ask your bank about the early settlement.
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Well .. I'm not sure , that time I was doing installment right,I got around 6k credit limit then after do it .. I only can use the balance .. cannot swipe more than 3k,lol..
WhiteWing
post Nov 14 2009, 06:02 PM

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QUOTE(jack2 @ Nov 14 2009, 05:35 PM)
You can see your cc statement whether suck the instalment is posted monthly or there is lump sum of balance b/f every month.
I believe is posted monthly. Thus, you can't settle one time off.
*
Something like this..

* ABC company sdn bhd : 7/12 - | RM 255 *

That mean I cannot pay one time off .. ahh .. I got the money but cannot pay one time off .. that hurts =/

Well .. thank you for your explaination ..
WhiteWing
post Nov 15 2009, 02:55 PM

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QUOTE(winner @ Nov 14 2009, 07:42 PM)
You should understand the T&Cs thoroughly before subscribing the installment plan. Similiar situation and many other problems also happen to easy payment scheme, balance transfer and personal loan. If you do not have enough money to pay, then do not make the purchase in the first place. I have never trusted those schemes!
*
Well .. thanks alot biggrin.gif ~

QUOTE(Gen-X @ Nov 14 2009, 08:18 PM)
Firstly, you should call the customer service to confirm if you can or cannot settle the balance amount and what are the conditions if any.
Secondly, since you have cash on hand and if you are not allowed to settle the outstanding balance in full now for amount yet to be billed, put the money in the bank (e.g. FD) and get interest lah or invest it.
*
Ok, I think tomorrow I gonna head to the CIMB for better clarification biggrin.gif ~

QUOTE(ronnie @ Nov 15 2009, 12:14 AM)
let's say your have 10 months to go on your installment of RM200 per month.... you can always open a cheque of RM2000.00 and leave the balance to deduct the installment for the next 10 months, right ?
this is ain't paying everything..just parking the money in the credit card, right?
*
Good ideas also ... I just park the money they and let it deduct by itself everyone , good idea biggrin.gif ~

QUOTE(winner @ Nov 15 2009, 11:24 AM)
Unfortunately, it will still be treated as advance payment or prepayment. Most of the banks will impose heavy prepayment penalty on your installment plan.
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Yeah .. this one I know,I will ask for more information from the bank ..
WhiteWing
post Nov 15 2009, 08:47 PM

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QUOTE(anakkereta @ Nov 15 2009, 06:10 PM)
Just call and talk directly to the department manager, but you must talk nicely tongue.gif
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Ohh ok but which department ?

QUOTE(epalbee3 @ Nov 15 2009, 07:58 PM)
Citibank charges RM30 for early settlement.
My installment will last middle of next month.
In order to save RM30, i paid in advance.. that means I have already settled all one year ago.
But officially it takes until next month to clear.
Honestly I don't like the idea of paying installment.
I prefer paying cash.
*
Oic .. thank you for reply but is it mean I can bank-in the certain amount of money inside the installment account and let it auto deduct ?? Well , like this also same meaning I pay them and never late ...
WhiteWing
post Nov 16 2009, 06:20 PM

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Well,I just gave CIMB a call. I told them that I wanna do early settlement for my installment plan and they say CAN and there is no extra charges for it. Wow, I gonna do it biggrin.gif and then cancel my card .... yahoo ~

This post has been edited by WhiteWing: Nov 16 2009, 06:20 PM
WhiteWing
post Nov 17 2009, 05:47 PM

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QUOTE(winner @ Nov 16 2009, 07:15 PM)
Lucky you! biggrin.gif Do make sure you get the confirmation from different CS officers and note down their names to avoid future argument.
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Good idea winner. I shall call again to get a comfirmation and ask for the name.

QUOTE(David83 @ Nov 16 2009, 08:20 PM)
WhiteWing, yours is a CIMB or CIMB DA?
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Hi there David83,my card was CIMB Petronas Card and CIMB Classic Card biggrin.gif ~

QUOTE(Aeon_Clock @ Nov 17 2009, 02:17 AM)
I did the same with Maybank. Theirs took into effect just 1 day after I faxed the request. Damn fast service smile.gif
*
Good job. Gonna do it before 1st January 2010 biggrin.gif
WhiteWing
post Dec 14 2009, 09:33 PM

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Omg , I still got 4 card with me and I cannot afford to cut it sad.gif
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