due to the RM50 GST, i have decided to cancel my HSBC CC.
Currently I have
MPower Visa Platinum
and
HSBC Premier MasterCard
Mind if i ask which one should i cancel?

i think can still call them to waived..can we?

This post has been edited by gastacopz: Jan 30 2010, 01:22 PM

Since you're a Premier client, you should talk to your RM.

This is a nice reference:

Source: http://thestar.com.my/news/story.asp?file=...5740&sec=nation


Attached thumbnail(s)

indeed its a good overview. i will try to get my RM 50 charge + 25 for the supp card waived or absorbed by alliance bank based on the amount we spend. it's probably not what they consider "high roller" but it should be hefty enough for them to care if i spend the money with their card or with another . renewal date is april so i will post results next month or so when i need to talk to them...

MBF and CIMB/DA. You need to call them to find out the latest promotions.

guys, sorry if this is repost..
just wanna confirm with you all, i just recently bought a laptop using my cimb cc..
i just wonder how can i get the monthly installment from that payment?
is there such a way for cimb cc holder to do so?

call up customer service and say you want to convert the transaction to i-plan. CIMB website got no mention of this plan but DA got.

just call their cs. 10 month for 2% 1 time interest, 20 month for 4% 1 time interest, 30 month for 5% 1 time interest.

btw for cimb card 0% interest only applicable for education, insurance and hospital bill.

Besides that, they have extended and improved their i.pay plan with a min of RM 500 instead of RM 1k.

is it true Bank Rakyat waive RM50 service tax? what a good bank

I have 1 quick question. How soon we can call bank to get annual fees waive? For example card expiry on April (state in card 04/12),can we ask now?

This post has been edited by cenkudu: Jan 31 2010, 07:47 PM

ok, thank you so much u all..
very helpfull indeed

They may waive the service tax. However in terms of customer service and efficiency, you should know better and it is one of the banks I avoid!


It is always good to notify the bank 2 to 3 months ahead of the card anniversary date. I definitely don't like to see AF shown on the bill, even though it could be reimbursed later. Besides, you can also plan your next course of action if the bank refuses to waive AF.

hello...need some advice here...
i may need a credit card (or may not). i am just a new working professional, been working for 4 months. calculated my per annum net salary (after minus epf+socso) is < Rm30k. why i say i may need a card coz currently i am pursuing part time study while working and there will be fees incurred that i wont be manage to pay with my 1 month salary alone. actually the fees can be claimed with the firm i'm working with it's just that i have to pay first. so which is the suitable card for a starter like me and from which bank? i may also use the card to purchase few one-off things
anyway, my knowledge about the technical side of owning a credit card is basically zero (like the payment process, interest rates, rebates, balance transfer, fees etc). care to suggest any website links useful for me to read?
thanking in advance

This post has been edited by padisawah: Feb 1 2010, 02:08 AM

U can consider a debit card instead

I don't think he is looking for debit card as he clearly mentioned that he need to use the card to pay some fees upfront before getting reimbursement. I would recommend either Direct Access or CIMB. Just need ur degree cert, pay slip if any plus other docs. but you need to ensure that your company can reimburse within 20 days of the statement date otherwise interest will start to occur.

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Added on February 1, 2010, 1:31 amcalled SCB and they said i need to wait until the annual fees is charged before they can waive it. anyone has experience this with SCB or other banks? how fast they will process this as I'm afraid with interest etc..

Bank Rakyat is a new credit card provider (just starting early last year or end 2008) and has small customer database. I believe they try to retain and attract more customer with this offer (plus free for life as well). because of the small number of customers you can easily reach their customer service without any hassle. the highest level of card they offered is gold, no platinum

This post has been edited by cenkudu: Feb 1 2010, 01:31 AM

Do PBB cc has this i-pay feature, if can 0% for 10 months like CIMB/DA? Today KL day, nobody can answer at PBB CS.

Public Bank flexipay perhaps?

http://www.pbebank.com/en/en_content/perso.../content68.html

No. PBB Flexipay charges 2% for 6 months installment, 3% for 12 months installment or 6% for 24 months installment.
CIMB/DA 0% smart flexi pay plan only apply to education, insurance and hospital bill (refer here)
CIMB/DA i-pay plan charges 2% for 10 months installment, 4% for 20 months installment and 5% for 30 months installment (refer here)

PBB flexipay charges interest upfront

hi all, I got a question here... does the bank look into our previous unsuccessful applications (with other banks) when considering the new application?