The RM50 service tax is charged on the anniversary of the card issued. So my question is, lets say if your card's anniversary falls on 08/10 but you cancel the card 1month earlier than the date so do we still need to pay the Service tax? If no need then quite lucky for December 2009 applicants

hi all, i have a question abt credit card oustanding balance.

my sister is having high debt ratio for her credit card and she got no other card to do balance transfer in order to save the high interest.

is this possible to write in letter to the existing credit  card company to ask for installment plan for the card in few months period and lower down the itnerest?

Eh...paying RM25 interest to bank = DISCIPLINE. First time I hear this.

well, go apply for CIMB or DA and get 0% BT for 6 months. The longer she waits the more interest she pays.
Well if you paid full you would have been rewarded RM70 instead of RM45    So in actual fact you lose RM25 lah. The bank happier to have customer like you   
you sure boh? Its the law that you have to pay RM50 next year for each principal credit card.
This hazairi reasoning and comments usually are mind bongling i.e like he said bank will go bankrupt; whereas in actual fact he's making money for the bank.

Indeed it is. HSBC told me HSBC Malaysia is the only HSBC within the HSBC Group to actually charge some fee to its Premier clients for using their Premier Mastercard/Premier World Mastercard. 1MALAYSIA BOLEH !!!!
HSBC did confirm me that they will only charge me the tax on the cards' anniversary.

To bank, you're only consider as normal customer. In their terms, customers that pay minimum + finance charge are GOOD customers.