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 Credit Card v10

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roy918
post May 8 2010, 11:07 AM

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QUOTE(SeanChang @ May 8 2010, 11:01 AM)
i just got my CCRIS frm BNM KL on thursday, but it does not shown credit application? how come?  blink.gif
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CCRIS only show approved credit application.

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roy918
post May 23 2010, 03:32 PM

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QUOTE(EpsilonStar @ May 23 2010, 03:13 PM)
Well can anyone confirm that for UOB cc, they don't charge additional charges for foreign transaction? Coz i read in first page it listed 1%, but when i call UOB, they said it's only based on daily exchange rate...

Anyone know?
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1% administrative fee - check here

This post has been edited by roy918: May 23 2010, 03:33 PM
roy918
post May 24 2010, 09:19 PM

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QUOTE(Takuhiro @ May 24 2010, 08:20 PM)
Hi Guys,

My credit card application has been rejected twice

- my p.a income is around 36k+
- Salary is deductible if i take more than 1 day of mc so my payslips will look awkward.
- I've missed payments for my car, which im clearing up. It's not much, but i usually wait to pay bills at the end of the month.
- I've no previous bad credit history unless they take into account my phone bill which i pay every end of the month too, which is usually late lol.

So any guesses as to why my applications got rejected? If yes what can i do to improve the rating.

For the 3 links of credit rating sites can i call/fax/email to get my rating without having to in person.

Help much appreciated, thanks.
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Missed car loan payments already enough to create bad rating in your credit report and it will stay in your report for 12 months.

You can request for your credit report by sending necessary documents to BNM.
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This post has been edited by roy918: May 24 2010, 09:20 PM
roy918
post Jun 5 2010, 10:31 AM

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QUOTE(muscaa @ Jun 5 2010, 10:20 AM)
better terminate the current citibank credit card and re-apply
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Those canceled and re-apply within 3 months are not eligible.

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This post has been edited by roy918: Jun 5 2010, 10:35 AM
roy918
post Jun 16 2010, 01:16 AM

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QUOTE(afiqn9 @ Jun 16 2010, 01:13 AM)
to SIFUS and GURUS here,just wanna ask if i buy stuff via installment lets say the full amount rm2200 and my CL only rm3k,how much my CL left on the next month?just got my cc today from maybank...
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Your installment amount will be deducted from CL. So left RM800 credit available.
roy918
post Jun 19 2010, 07:53 AM

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QUOTE(ronnie @ Jun 19 2010, 12:21 AM)
If we used a Direct Access Mastercard at Dragon-i Restaurant
Do I get 20X Bonus Points only ?
Do I get the 10% rebate also ?

PDF: http://www.cimbbank.com.my/index.php?ch=43...4&tpt=cimb_bank
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Yes and no.
Yes, you will get 20x bonus points. No, you wont get 10% cash rebate as your card is not cash rebate card.
Direct Access Visa Infinite is the only cash rebate card in Direct Access.
roy918
post Jun 25 2010, 01:46 PM

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QUOTE(jack2 @ Jun 25 2010, 10:00 AM)
wonder if can report to BNM that they misuse our privacy by selling to other departments within the same organisation for offering other services.

Instead, BNM should come out a guide or rule that allows consumers to choose not to be contacted for any promotion or offers.
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Consumer privacy is never protected. Read the highlighted part and you will find Bank can do anything to your info rclxub.gif
Let's see what is written in Terms and Condition (Just an example, taken from CIMB website here):
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QUOTE(siutimtim @ Jun 25 2010, 10:48 AM)
haha, if they waive the annual fee why i need to cancel again?

anyway, called the bank and gst has to offset with points and annual fee can waive...

oh yeah, my friend want to cancel uob card because of gst then bank offer give cash back if swuope few usage in a month and increase credit limit if she keep the card le.. other bank why no follow uob de...
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QUOTE(siutimtim @ Jun 25 2010, 11:11 AM)
no, she hardly use the uob card but they still waive the gst and increase the limit for her leh...normal card lagi hmm.gif
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Don't get the info twisted!!
At 1st you are saying your friend get GST offset by getting cash back for swiping "few times" in a month.
Then you said UOB waived GST? In which point the GST got WAIVED???

Please get the info right and don't confuse others by spreading your false sentence, getting cash back is not equal to waiving GST.
Think about who pay the GST and who pay your friend the cash back. doh.gif doh.gif

This post has been edited by roy918: Jun 25 2010, 02:37 PM
roy918
post Jun 26 2010, 12:23 AM

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QUOTE(Ken @ Jun 26 2010, 12:13 AM)
can i cancel the CC once the rm50 service charge is charged to the statement ?
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You can cancel anytime you want but do you think if you need to settle your bill?
Basically you are asking if it is possible to reverse GST charge. Sorry, there is no way to reverse it as that is compulsory tax.
You need to pay for it once it charged to your account.

Come on, this question has been appeared and answered here for N times.

roy918
post Jun 26 2010, 12:34 PM

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QUOTE(cekpo @ Jun 26 2010, 12:31 PM)
I've two cc under Maybank, one Sony Visa Wave and the other one Maybank Mastercard. I just renewed both of them. In the end of the month I got RM 50 SERVICE TAX - PRINCIPAL for both of the cards. I thought RM 50 for the principal card and RM 25 for supplementary card. Anyone can explain ? Thanks in advance
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Yes, RM50 for principal card and RM25 for supplementary card.
So, you own 2 principal card or 1 principal and 1 supplementary card which you never mentioned?

roy918
post Jun 26 2010, 01:02 PM

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QUOTE(cekpo @ Jun 26 2010, 12:39 PM)
I'm not sure, lol, yeah, that's my mistake, how can I check ? I thought I signed the Visa as the principal and Mastercard as supp.
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They both are principal card and not differentiate by the way you mentioned.
Supplementary card is the card issue under other's credit line.
roy918
post Jun 27 2010, 03:46 PM

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QUOTE(David83 @ Jun 27 2010, 03:17 PM)
if you're using CIMBClicks to pay DA bill, I believe one should use 3rd Party Fund Transfer instead of the Pay Bills menu.
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It can be done thru "Transfer Funds to My CIMB Accounts" to any of your active saving/current accounts and credit card accounts.
roy918
post Jun 27 2010, 11:09 PM

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QUOTE(yityieng @ Jun 27 2010, 10:01 PM)
thank you so much for all the replies. but i'm still blur. so meaning i can do it through cimb clicks but i need to register my card with the online banking first? then transfer through "Transfer Funds to My CIMB Accounts"?

thank so much. i appreciate all the help.

smile.gif
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You have to register for online/e-banking using your ATM card at ATM machine.
You can only perform fund transfer from your saving/current account but not credit card account (where you only have credit but not cash).

But you can register with your credit card as well. This only entitle you for e-statement or allow you to check your credit usage.

How to register for e-banking service for CIMB (taken from here):
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Or you can try out cimbclicks demo version here:
Click Submit -> View Account Detail (check accounts balance) -> Transfer (at top)-> Transfer Fund -> To My CIMB Account

This post has been edited by roy918: Jun 27 2010, 11:10 PM
roy918
post Jul 1 2010, 12:55 PM

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New balance transfer promotion for DA (better than current PBB balance transfer).

12 months - 1% interest

This post has been edited by roy918: Jul 1 2010, 12:56 PM
roy918
post Jul 4 2010, 11:35 PM

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QUOTE(Serround @ Jul 4 2010, 10:33 PM)
Hi... Need some opinion here..

I have aCitibank Gold Card user with total amount of 13000. Monthly interest is 13.5 % p.a

Lets say i want to settle the total 13000 with the option below:

Option A:

Just Pay the 13000 to the CT card and clear all the balance. Is there any fee waive / discounts for lum sum settlement ?

Option B:


Apply for a HSBC credit card and  Then do a Balance Transfer from CT to HSBC under this program, transferring 10 K. The balance at CT 3k pay cash.

so, the 10k i transfer will b charged 5.99% p.a and i intend to lum sum settle it within 12 months or straight away settle.

Which is more untung for me in terms of $ that i can save in this process ? Option A or Option B ?

thanks in advance ya...
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Option A: No interest charge since full settlement on amount owe.
Option B: You have to pay RM599 INTEREST for 12 months installments. How much can you get with that RM10k in hand initially (assuming you have it since you saying you are about to settle immediately) while paying RM833.33 every month.

There is no WAY for you to UNTUNG here (come on, what kind of untung you expected when you owing bank??)

This post has been edited by roy918: Jul 4 2010, 11:35 PM
roy918
post Jul 5 2010, 12:09 AM

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QUOTE(Darkmage12 @ Jul 4 2010, 11:51 PM)
He wants to find a way which will incur less interest
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Obviously it is option A unless he can make sure his money earn something while taking 0% balance transfer.
Bear in mind, one have to pay RM50 for new credit card and one will be charged with 17.5% finance charges if fail to make full payment to the installment.

This post has been edited by roy918: Jul 5 2010, 12:16 AM
roy918
post Jul 14 2010, 09:07 AM

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QUOTE(Seng_Kiat @ Jul 14 2010, 09:01 AM)
guys,

any card offers 12 months 0% balance transfer? .. smile.gif ..
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No. The best offer you can find now is 12 months 1% from CIMB
roy918
post Jul 21 2010, 07:41 AM

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QUOTE(static @ Jul 20 2010, 11:18 PM)
I have an issue with HSBC. Last month I got slapped with RM7.10 of late charges fee (finance charges). After rectifying the issue due to installment payments being paid off earlier than expected and outstanding purchases are not paid instead. So the bank reversed back the RM7.10 and i made full payment as stated in the statement, amounting to RM539.60 (inclusive the RM7.10). The next day RM7.10 was credited back to me.

Today, after checking my statement, to my horror RM74.03 charged?! Apparently they charged me RM80 annual fee, but the figure doesn't tally and after much dilly dally with the customer service that speaks good England, it was additional RM1.13 finance charges again?!

So basically RM80 + RM1.13 charged to me. And since i have Rm7.10 in my CC, it is now RM74.03.

May i know where the heck they get RM1.13 from?
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Finance charges are calculated on daily basis.
The full payment amount in your statement is not inclusive of up-to-date finance charges.
There is a period between your statement date to the day you made full payment.

This post has been edited by roy918: Jul 21 2010, 07:41 AM
roy918
post Aug 2 2010, 01:00 PM

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PBB getting more aggressive.
0% finance charge for 8-months in latest promotion (Only applicable to new-to-bank card holder).


Attached File(s)
Attached File  PBB.pdf ( 656.58k ) Number of downloads: 60
roy918
post Aug 2 2010, 03:10 PM

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QUOTE(neorage_x @ Aug 2 2010, 02:48 PM)
1)guys, is it true if we cancel our credit cards,we can resched our payment with the banks?

2) i want to cancel my CIMB credit card but do not know how. last time i go to cimb bank, they said they cannot do that?? why lor...
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1) I doubt bank allows u to cancel the credit card when u have outstanding balance. And there is no banks offering such service. They are there to make profit from finance charges. (May be AKPK can help u if u wanted)
2) Refer 1.
roy918
post Aug 2 2010, 11:24 PM

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QUOTE(MilesAndMore @ Aug 2 2010, 04:00 PM)
No. One still can cancel the card even if he/she still has outstanding on the card. He/she just has to pay all the outstanding in lump sum.
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Sorry for the wrong information. smile.gif

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