how is the monthly interest work?
is it count on the balance left if i did not pay the full amount?
can give me the monthly interest for cimb?

Doesn't matter it comes from which bank.

Check your interest rate as advertised in the statement. That figure is per annum rate. Convert it to daily rate and multiply it with whatever outstanding you have. That'll be your interest excluding late payment fee and etc.

Doesn't matter it comes from which bank.

Check your interest rate as advertised in the statement. That figure is per annum rate. Convert it to daily rate and multiply it with whatever outstanding you have. That'll be your interest excluding late payment fee and etc.

late payment only will charge if we did not pay anything right?

if interest is 18% p.a., the product cost rm1300, i pay rm500 1st month and the pay the remaining next month. How much will the bank charge me?

late payment only will charge if we did not pay anything right?

if interest is 18% p.a., the product cost rm1300, i pay rm500 1st month and the pay the remaining next month. How much will the bank charge me?

Which among these two cards is highly recommended to keep in terms of benefits n returns? Doesn't matter in terms of reward points or cashback.
Or any other cards from other banks that i should take instead? Plan to keep 2 credit cards.

RHB Travel Money, Visa Wave
HSBC Gold Card
Citibank Clear
UOB One Platinum
Jusco Gold Card
SCB Bugs Bunny Gold Card, Classic Card

Expenditure mostly on groceries, dining but minimal on petrol.

Do any debit cards provide reward points or cashback?

You can cut the list down to HSBC Gold Card, Citibank Clear and UOB One Platinum.
Yes. Such as
- Public Bank Day2Day VISA debit
- Maybank VISA debit
- Maybank debit Mastercard Platinum
- RHB Bank Cash Connect debit Mastercard
- RHB Bank Cash Connect VISA debit
- EON Bank Combi debit Mastercard

For more information, please refer to the dedicated debit card thread.

hey does any one have experience where you applied for Amex plat cc instead they approve you with Amex gold cc without your consent?? I don't want to be forced to pay rm50 svc charge even if I cancel it

hey does any one have experience where you applied for Amex plat cc instead they approve you with Amex gold cc without your consent?? I don't want to be forced to pay rm50 svc charge even if I cancel it

if it ever happens, cancel it straight away
i believe the bank will have to absorb the tax if applicable

my mom applied for citibank giant, received it plus another Citi master gold
now asked citibank to cancel both (coz not happy with the extra card), i'll see whether they dare to charge service tax or not

btw, citibank application super fast, applied at giant usj on sunday, received the card by courier on Thursday

Which is better to submit to get a CL upgrade from Maybank ?
1. Monthly pay slip
2. EA Form

How hard is it to apply a credit card nowadays?
I've been working for 8 months with annual salary 24k. I've tried to apply cc from many banks including hsbc, citibank, alliance, public and cimb, all my applications have been rejected. I even opened a current account at HSBC under grad pack coz might have bigger chance for approval but still failed.
My friend with same salary and started working almost same time like me has already successfully applied a CC from alliance bank and that was his first attempt.
Is it because of me the person and i get rejected all the time but i've got a quite ok photo on my IC

Service tax is charged immediately after new card got issued, so you still have to pay for it no matter you use/activate/cancel it or not.
Nothing to do with "they dare to charge service tax" or not.

Please file a complain to Citibank and BNM, don't let this happen again and again. Banks SHOULDN'T do business in this way.
Imagine they get you RM1,000,000 loan (or may be another credit card) without your knowledge?

i'll wait for the statement to come b4 lodging the complaint

Since it is a pre-approved card, I guess you won't get charged with the service tax if you do not activate the card.

By the way, if you read the T&C on the link.

The 3rd point is:

3. Not applicable to Corporate Cards and Gold Credit Card.

So my memory is strong.