I'm just showing RM100 as an Example... maybe RM5000 is better choice ;-)

How is the daily interest calculated ?
A. from 17 October 2010 until full payment is made
A. from 15 November 2010 (statement date) until full payment is made

The figures you provide was based on Sum Up + Round Down, right ? Eg. the Klinik + Insurance
If you gave exact figures per transaction as Round Down, we could get closer to the figure.

huh!? Is that correct? Does that mean cash withdrawal of RM100 from cc will kena RM50 cash advance fee? wow!

Paiseh.. OCBC is the lowest among bank industry.

The cash advance fee is 5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance/casino chips transaction.

Finance charge on cash advance or casino cash chip is calculated from date of transaction until full payment.

Then the answer is A. from 17 October 2010 until full payment is made

Is the above applicable to all Credit Cards issued in Malaysia ?

thx, changes made, just hope ppl will look at the first post b4 asking any questions
else it's meaningless

Nope. The figure I gave is "round down each transaction" and then "sum by shop".
Klinik + Insurance is sum after applied the formula above.

Then the figure should tally... strange. Nevertheless, we don't complain when we get more rebates (additional RM1), right ?

Hi, I saw in PBB website that their visa/master gold had 15% cash rebate during weekdays and 10% cash rebate during weekend for ANYTHING, ANYWHERE. In addition, RM60 cash back when activate the card. Any condition to get the RM60 cash back? the 15% and 10% cash rebate is applicable until when?

Absolutely even though the amount is RM0.10.

read the tnc at their website
no condition for the RM60 cash back, must be new customer, can also choose 0% interest for 8 months
cash back is valid until next february

You are already at PB's website... still asking these questions ? Check the T&C links.

HLB Essential card has the lowest cash advance fee.


Is your rounding correct?

Btw, there is one guy saying he get 5% from C4 Tropicana. Mm...

Thanks for the reply. Didn't see the T&C link just now.. Bcoz too excited when saw the promotion =)

the 15% cashback is not easy to get... you need to be the first 3,000 CC holders to qualify each month.

Transaction
Date Posting
Date Transaction Description Debit (RM) Credit (RM)
13/10/10 13/10/10 ANNUAL FEE WAIVER - 150.00
13/10/10 13/10/10 Annual Fee 150.00 -
13/10/10 13/10/10 CASH REBATE - 50.00
13/10/10 13/10/10 GST SVC FEE CHARGE 50.00 -

Wow , EON BANK help me to pay the GST wo ... , my GSC CC just 1 year today ..

That's nice... is that without you asking for the waiver ?
Maybe you spend alot using their card...

WOW!!! that's nice! Will CIMB do this for their credit card customer as well? Will they waive the GST if call to request? hahaha..

Hi,

5 weeks ago I've applied OCBC Mastercard Titanium with pledging FD.

And today i called their hotline and was told that my application was not succesfull. My question is can i appeal for that application? Anyone here have an experience to appeal when unsuccesful before?

I was told by the CS that there is no such thing but she said i can write a letter to their Credit Processing Department.

Should i appeal or should i just withdraw all the FD and try with another banks?

Thanks

I didn't ask them for waiver , I aware of my annual date and I thought I have to fork out the annual fee for them but now they waived alr , so nice of them
I don't know, I got 6k++ point with them now and every month also got movie with them , I think I spent around RM 5k++ with them gua ... always pay on time , never give them a chance to charge me 1% interest , they paid for my GST , I happy about it .. good job to EON Bank.

Hahaha ... CIMB ahh ? Not so sure , as I know .. I paid the GST on May. I didn't try to call them.