Hi there, have search around the thread, but can't seems to find the interest, might as well asking here

I am news CC user for EON-GSC.

Says like if I going to purchase a TV with RM2,500, and the shop don't offer any easy payment plan, and on the next statement, says the minimum payment is RM500, if I pay RM500, I wont face any late payment penalty, but interest right?
The interest is based on the outstanding pay right?
so its RM2,000 x how many % of interest?

Just interest to know, hope you all can clarify this

Nope I specifically asked about the Service tax. I said well even with the 100 preloaded Im thinking of just cancelling it now without even using it. The person on the other side told me that they will waived it. Hope he holds up to it

I encounter this problem all the time and 9/10 times after asking the cashier to select the "credit" function then the transaction goes through. There are occasions that the merchant terminal does not support this card. Play the active role in asking the cashier to press / select the correct menu and you should be fine.

You can cancel this card but there are a lot of people out there who wants to apply this card but can't coz it is not available for new application anymore. I'm not advocating this card but you gotta admit, if you plan and time your purchases that 5% rebate on a Friday is pretty attractive and not to mention that 2% rebate on any other days.

Because the current CEO of CIMB Group is the little brother of our much loved current Prime Minister 
By the way, yet another complaint about Maybank service on today's Star Newspaper. Read the complaint letter below.

So many wanna cut ah even they announced that bank can absorb?

cut those c.c. which doesn't give discount or provide lousy banking service (or PM brother's bank )

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Added on November 13, 2009, 9:23 pm
this is a bit strange... i've tried to deal with the same bank before, reported loss of c.c. and able to terminate the card at the same time without being charged RM50 for card replacement.

So any of you guys still believe that its still in discussion?

All the cards center that I called gave the standard answer which is We havent received any direct order from BNM regarding this. Please continue using it for the meanwhile.

Already Nov21, if really fail, then card centres would be flooded with cancelation requests.

BTW, can you cancel cards with an ongoing installment? RHB told me I cant cancel it if I havent clear the balance. When I was at the branch, they told me I can cancel it and then pay accordingly every month. Got so fed up because I got the money to settle it but needed the monthly statement to claim from company as I used my card to sign up for Streamyx free pc campaign.

This week I was approached by a Maybank credit card agent. She told me that the Amex card 1st year RM50 service charge is waived. Is this true? I told her that none of the banks made any announcements yet, the how did she know 1st year is waived? She replied that this is a promotion or something.

This is ridiculous!! y we hv to pay for 2 or more cards with combined limit? In the end still can spend for the max CL wat! Can we ask those ministers if they hv 2 or more sets of car keys then they hv to buy 2 or more insurance policies in order to "protect" them?

I haven't with my the card centre yet as i am using my card for monthly insurance payment.

I'm keeping my EON card as my insurance rebate is more than RM50 a year.

hopefully EON bank will absorb la.
as for my CIMB, most likely i'll cancel it even though i use it quite a lot every month on my biz trip overseas. hmm..

How did you cancel yours?  When I call up, they said I can't cancel it within the first year.  What can I do?

Hi all,

i would like to seek advice from all the people here, which credit card should i apply for? i just need one for work purpose. looking for a card that can save me money and use for rolling. m using smiles card from esso. and also will be paying the credit card bill every month on time. please advice. also wanna ask is it difficult to pay if my pay bank in XXX bank and my credit card is CCC bank? 
thanks. from what i read, younique and citi-shell also cimb direct access not bad. please advice. just grad, my 1st job so need card sometimes for paying bills, hotel outstation adn bla bla.... help!

Bear in mind that some banks require customers to write in for card cancellation request. Based on my recent experience, HLB requested me to write an official letter to them. The funny thing was that they only called me to verify asking me the reasons after 3 weeks I faxed them the letter. Thereafter, they said they would process my request immediately.

Citibank, on the other hand, followed my request immediately over the phone.
Sometimes we cannot completely trust what CS officers reveal to us. Some of them are not well trained and not familiar with the products.

Recently, some CS officers even simply say anything, such as waiver of RM50 service tax, in order to retain customers.

haha... mine is 19k..

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Added on November 27, 2009, 7:13 pmToday I just faxed in letters to cancel 3 of my credit cards.

Now only have two from two different banks.

Keep two for emergency purpose only.

one RM19k and another one 5k..

More than enough. Thinking of reducing the limit from RM19k to 8k, will it be advisable?

Hlb essential card if use it for petrol,do we get 1% rebate?

Shouldn't be able to. When you cancel your credit card, it means the account is closed. If you have direct debit tied to your insurance policy with your credit card and you have canceled the said credit card, the system will automatically reject the payment and you will receive a letter from your insurance company in a few weeks (assume if you did not provide them another credit card that is active).

sien... cimb bank customer service no one..... waited for 20min still on hold... want to cancel card...
edited to add..... want cancel cost so much on my phone bills.....

PBB has came out with 8% cash back II again
the details are here

guess i don't need to cancel my pbb cards after all
ADDED:
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SCB has also came out with some type of gifts, less tempting to me as I don't swipe that much
details here

haha.. if you noticed, I didn't curse. I can understand their situation.
The problem is, I just want to confirm whether they've RECEIVED my letter, not to inquire whether my card is CANCELED.

There's a huge difference. 1 is just check whether they got the fax and another is check for the processed status of cancellation. And I assume not everyone faxed in to cancel their cards.