can anyone help me to clarify about BT programme (CIMB 0% BT is so interesting). Can the amount to be transferred more than the statement balance considering that we might have future transaction on going. would like to utilize this but normally I don't have any outstanding balance as payment was made full every month

that's true. but we might have extra outstanding balance in the following month statement. if we apply later, we just have 20 days to settle it before we will be charging interest. based on your answer the maximum BT is based on our statement balance and off course depend on the bank decision as well

read mbf website they will waive service tax if you do a 12 months 0% BT. but as far as I know they hardly waive your annual fees

http://www.mbfcards.com/

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

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

question about upgrading gold to platinum card. the situation: we have a platinum card from other bank but our salary does not qualify for platinum at the bank that we plan to upgrade. I heard we can't using other bank card to upgrade unless we cancel current gold card and re-apply for new card using other platinum card from other bank. is it true?

so pay slip is the only solution, just to confirm.

happy new year to Chinese friends

This post has been edited by cenkudu: Feb 14 2010, 04:49 PM

Bro Hye,

Correct me if I'm wrong, I think in this case he should pay in full before 25th January to avoid interest. 20 days interest free is from the statement date to the due date. If the transaction occur in 10 Dec, it will only appear in the next billing statement on 5th January. However if he choose not to pay in full by 25th January the interest will be calculated from the day the transaction occur which is from 10 Dec onwards.

Email SCB to ask for annual waiver, and got replied that need to wait for the annual fee to be appeared in statement before I can asked for waiver. suddenly in last month statement it shows in one of transactions: annual fee waiver amounting 0.00 . But my anniversary date is in April. does it means I get waiver?

which one is better, redeem point to get something and pay RM50 for GST OR redeem point to get GST waiver

actually Bank Rakyat will pay RM50 GST to goverment on behalf of the card holder. I've confirm this with Bank Rakyat and they have also send a txt message to all existing cardholder.

By the way I've asked Maybank to upgrade my card to platinum. looks like it has been approved but in M2U it not replacing the previous gold card instead they have put another platinum card. can we hold two same type of card at different level (platinum and gold)?

thanks but the problem is I requesting for upgrade not to add cards. maybe I need to speak to CS

Bank Rakyat is new in market (2008), so they need to do something to retain their customer

This post has been edited by cenkudu: Mar 10 2010, 08:31 PM

if transaction is made on the statement date e.g. 17/1 , the transaction will appear on the next billing due on the 7/2 or the following billing due on 7/3?

you can call their CS 0326936880, very easy to get

Maybank cheque deposit machine (scan one) is not good, not allow to pay for multiple cards using 1 cheque. I've deposited an extra payment to one card which meant for 2 cards. Can ask them to tranfer certain amount later?

I received statement from Bank Rakyat. They has waived the RM 50 service tax :-)

The T & C for waiver is just to use the card once in a year

I read somewhere in the thread that bank allow 3 days as a buffer from the due date before imposing late charge. Just wondering how about interest charge? if customer pay in full but the payment is delay 1 day from the due date, will the customer get charge on interest from all transactions up to the payment date?

Does Alliance bank absorb RM50 tax for new applicants

anyone know about HLB Platinum 2% cash rebate. any catch? is this including petrol purchase?