including RHB too, not sure about all branch but my nearest branch is still using envelope when i remit EPF payment on behalf of my uncle. Plus, I found out that my area of easy rhb branch don't accept cheque because they don't install the cheque machine yet.

This starting of the month i applied PBB Esso-Mobil credit card, there is a tier rate of rebate, add on another 3% cash rebate, REFER HERE

So this month i spend RM221.70 for Esso-Mobil fuel, so the cash rebate should be 2%+3%, but the statement show that only 2% rebate given back to me, of course need to phone up their customer service hotline for enquiry

this is the moment that pissed me off, called twice on 11am today and made another one just now and nobody pick up the call at all, the most fed up things is i almost waited almost 10min for each call and yet nobody pick up at all, all engaged

1st time deal with PBB already like this, i wonder how it would be in the future, totally dissapointed

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Added on November 30, 2010, 3:02 pmEasy RHB mostly for personal loan, which is why they don't have CDM

This post has been edited by yhtan: Nov 30 2010, 03:02 PM

I think for local banks only MBB, PBB, and CIMB using cheque scan. Citibank still using envelope even though they were the first to have the cheque machines. The new Citibank branch in USJ even worse...cheque drop-in only.

i have to say PBB cs is difficult to reach
alternatively, leave your phone number there and have them call u back, else try to call early morning, b4 9am

I thought it's more convenient to pay credit card bill via online banking?

i already wrote an email to complain about this, what's the purpose of setting up customer service while nobody picking up call?

Wait! For CIMB CDM, I remember if want to pay CC, one selects Banking/Credit Card Account which is the 1st selection of the main menu.

Correct if I'm wrong since I have shifted to use CIMBClicks to pay my DA bill.

just use giro banking lar
key in ur cc number and wait for 3 days. settled !

giro banking? it took 3 days..

why not using saving account (online banking) from same bank to pay ur credit card, thus the payment will take immediate effect (real time)

This post has been edited by persistence85: Nov 30 2010, 04:25 PM

Giro banking is actually very fast. If you time it correctly, it will be done on the same day or otherwise the next day. (This also depends on how "efficient" the bank recognize the GIRO transaction) For example if I were to transfer funds to my SCB account (on a working day) before 11.30am, SCB will alert me and recognize the incoming funds by about 3pm on the same day.

As for the bank taking into effect your payment in real time ... let me correct the information. Some banks will reflect the payment in real time and some banks by the next business day. I can verify this as I use several online banking system to pay their own cc ... real time crediting yes ... real time to be reflected in your cc statement not necessarily.

For example , your credit card has a total limit Rm5k , and you used up to RM5k . Now , this is where the same online banking saving account play role. when you pay via online banking saving account to your credit card, your credit card "available balance" will be update with immediate effect.

forget about the real time to be reflected in ur cc statement, after all, pay and the credit card can be used immediately, right?

aiyo, people use Giro because don't have saving account from same bank mah.

It is OK ... lot of people use payment convenience as an excuse for their selection of credit card.
Personally I don't care where the bank is located as what I want is the card privileges.

like Citibank.

what privileges does citibank offer u ?

may be true for some credit card issuers, but not for alliance bank..
There is one occasion where I reached my CL, immediately i go CDM to bank in cash, and then i swipe, still cannot..

I rang CS, was told that the payment only reflect on the next day

Public Bank uses only the touch screen machine that provides the image of the deposited cheque while Maybank and CIMB Bank use both the old cheque drop box as well as the touch screen machine. Anyway, Maybank and CIMB Bank still use mostly the old cheque drop box.

Talking about cheque, on a side note:

Thousands of cheques lost due to mail intercepts

URL: http://thestar.com.my/news/story.asp?file=...6814&sec=nation

This is scary, man!

I paid my CIMB CC using CDM all the time. no need to enter anything, just insert my CC into the machine, it will auto detect the card number and everything, just insert the amount of money that you want to pay into the CDM..that's it, very easy..

True if you bring along CC but I didn't bring that. Only 16-digit CC number with me.