Too bad they dont offer Smart Flexi to Islamic card. Only conventional and Direct Access..

There's some cases that customer refuse to give info on the officer that initiate the call, worried that it might be some scammer asking for personal information. Moreover some people refuse to answer call from "Private number". So that's why they send you the SMS to call them back.

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Added on August 23, 2010, 1:47 amI Pay Plan (IPP) will come with one time interest, charged on the first month. For Smart Flexi Payment (FPP) , as long it is education, hospital or insurance, you can convert into the plan. Oversea education fee also can be converted into Smart Flexi as well. But to avoid any hassle, make sure there's a word "university" or "college" in the merchant description. Or else they will ask you to fax over the invoice. And yes, Smart Flexi is absolutely free.

Loan limit you mean as the maximum amount? For Flexi payment no maximum. Minimum is RM50. Even your insurance RM150 charged into your card also can convert into FPP.

For IPP, the maximum is RM 30k, minimum RM 500.

By the way in terms of "hospital bill", as far as I am concern is not applicable for optometrist and dental.

This post has been edited by ashkamz: Aug 23 2010, 01:47 AM

Cimb and Direct access offer 0% interest BT for 6 months. No admin fee, no early settlement penalty.

CIMB World only offer bonus point. They offer double bonus point for oversea transaction.
CIMB Visa Infinite will give you 1% rebate for oversea purchase.

no la. applied for both new and existing cardholder. The new-applicants-only-balance-transfer was until December last year.

Only 18% per annum. 17.5% is only for retail transaction.

I can show you simple calculation for cash advance interest.

Let say you withdraw RM3000 today.

3000+150 (cash adv fee) = RM 3150

Interest will start tomorrow based on RM3150 not RM 3000.

Let say you made payment after 30 days RM200

(18% x 3150 x 30) / 365 = RM 46.60 (interest imposed after 30 days)

RM3150+RM46.60= RM 3196.60 (total debt including interest)

3196.60 - 200 = 2996.60

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Another 30 days you made another payment RM 200

(18% x 2996.60 x 30) / 365 = RM 44.33 (interest imposed after 30 days)

2996.60 + 44.33 = 3040.93 (total debt including interest)

3040.93 - 200 = 2840.93

This is basically simple calculation for the interest. Assuming that you didnt do any other retail transaction, and you made payment every 30 days.

But as you can see in 2 months you made payment Rm 400 but the amount only reduce by small margin because of the interest (actually the cash advance fee that kill you in the first place)

By the way this is the calculation taught by 1 of CIMB CS to me last year, and I think it is still relevant.

Cheers.

yes you can.

From what I understand, if you apply CC by this year, even you didnt activate, you are liable to pay for the GST, since it will immediately imposed on your first statement. But I think you should call SCB customer service to clarify this matter.

Sometimes when you hold too much credit card, Bank will see it as a commitment of 10k, and they wont give you another 10k credit. The best way before you apply new credit card or loan is you cancel the unused credit card first so it wont appear on CCRIS.

They charge cou fee only 2009 for CIMB and DA. For 2010 they only charge cou fee for east Malaysia and Langkawi.

RM200 will hold for 8 days from the date of the transaction. Even after that particular petrol transaction already posted in the statement, the amount will still put on hold.

CIMB and DA will hold for 8 days. Petronas transaction will post on the same day for CIMB card but the RM200 will be released only on the 8th day.

This issue only matter for credit card user that used most of the limit and only pay for minimum payment and also for debit card user.

RM200 is the maximum amount that can be pump into your car in 1 card swipe. When we use card at petrol kiosk, we dont key in the exact amount, so the terminal just assume we put RM200. In general if you dont want the Rm200 to be put on hold, just go inside and swipe at counter.