nops. Direct Access (that time still Southern Bank)

the shop should list rm31 "admin fee" or "card charges" or something like that in the receipt. maybe ur fren ask can pay using cc after the bill already printed? ur fren should be told before swipe that he will be charge 2%?

this:

no the worker cant. all the money will go to company bank account, but bank will deduct that 2%, so company will received exactly amount.

currently there is no such gst rm50 waived, but bank usually offer cash back so u can take it as gst rebate.

Direct Access. introduced by Southern Bank previously. now owned by CIMB bank. must have min degree qualification to apply besides salary etc.

NO and NO. PTPTN is not the requirement but DEGREE. studying diploma also can apply PTPTN. and DA never waived RM50 gst for new application.

NO. HSBC wont give free points, and their points for GST is only 9500.

yes this terms already mention by OCBC. u just know? should read it properly during apply

same citibank so no need i think.


no harm what if apply. rm50/month is already rm600/year

yeah its me

apply another card with supporting documents including ur eon cc statement to get higher CL

since u said u swipe-pay-swipe again, then 'new' bank will see that u afford to pay

---

Added on November 24, 2010, 7:06 amagree.

i'm not 'threating' the bank. i just ask them to cancel my card bcoz. what happen next? go search my previous post

for NEW applicant, just apply for cc that offers u cash back or cash rebates
of coz u need to pay that RM50 first, but since the GST is yearly, so u should be able to cover it by 12 months cash back/rebates.

my experience, use the cards for 3 years AND pay full statement amount each month, if we request to cancel the card, then usually they will ask why.

if they not asking, maybe, maybe, bcoz ur payment history.
even they cancel ur card, but if still have outstanding, they will still earning from the monthly interest + late payment fee after this, and u cant add more debt with them. so good for them.
if u transfer the balance to other bank, the bank will received the money from ur new bank. so they will be happy bcoz u 'clearing' ur outstanding. also good for them.



This post has been edited by erry-: Nov 24 2010, 07:12 AM

apply with another bank. i said 'new' bank. u need to apply like dont have credit card before, but just bring ur eon credit card statement (latest 3 months better) as supporting docs to ur payslips and bank statements.

bcoz most of the officers and shop workers really dont care much about credit cards, even in their own bank (for bank officers)! i faced it before. and most of them is 'young', might even dont know that Southern Bank was exist before! btw i am using DA since Southern Bank

he asking regarding CIMB have same benefits as DA or not

well de.crystal, the answer is YES. click here for the proof (for education/insurance/medical)

even if u look at the card image (if zoom in will be a little bit blur) - both CIMB and DA cards got there

This post has been edited by erry-: Nov 25 2010, 08:53 PM

1st, not sure if CIMB still offer classic card. 2nd, CIMB with Petronas logo confirm free for life (both principal and supp) w/o any terms.

i'm wondering, is it minimum amount already included the installment plan amount?

u mean if ur minimum is 260 and got installment 100 so u want to pay 160 only? bank wont take it as u not paying the installment, but not paying the minimum. u wont get 20 days interest-free period (of coz) and all the remaining balance will have finance charges

i paid at TMPoint and yes get 5%. not sure with TAD, sorry.


maybe the branch delay to submit ur form. next time, apply online (certain banks). or maybank, call 0358914777 to get pre-approved card (referred to their website)

eh? i did that. no problem. tmpoint kajang. paid using cc for tm streamyx combo under 3 different names. but i do bring the paper bill (not just give the account num). the cashier not even ask who are the bill owner

if, cashier dont know that DA is under CIMB, show the back of the card - below the signature, got word "CIMB" there

oh sorry i missunderstood

thought MilesAndMore said cannot pay tm bill under other names using cc,
but he means cannot pay other utilities bill at tmpoint using cc.
never done this before.

sleepy already. again, sorry

This post has been edited by erry-: Nov 30 2010, 12:14 AM

this:same goes to me. i had DA and HSBC cards but dont have bank (savings/current) account with them



yes same goes to me. usually withdraw from Maybank and immediatelty go to HSBC (next 1 block only).
HSBC kajang can accept max 30 notes only 1 time, usually 1st 30 no prob, but next 30 can accept 4-5 notes only.
i choose finish and try another CDM machine, accept all without reject

i also received that (different amount). but didnt proceed. no need.

but if u need rm2k badly now, then go for it. ur 1st (next) month bill will be charged rm77.60 + rm333.33. then 2nd - 6th month rm333.33 only. must pay full amount or u will be charged interest based on the balance (not rm333.33).

err.. correct me if i'm wrong

This post has been edited by erry-: Dec 2 2010, 09:39 AM

btw, i applied OCBC Titanium TWICE NOT APPROVED!

1st time applied using >3 years DA Plat. got letter unsuccessful without any reason.
so i apply for 2nd time (next week after that) with all supporting documents (pretend as i dont have cc yet).
both applied at OCBC Kajang branch.

dont tell me since using Plat then cant use the Titanium?
but if not mistaken, i did noticed some people here using Plat also can get the OCBC Ti?

my record are clean. NEVER had debt. cc all paid full/more.
i dont have any loan (house/car all paid cash) - this also suprised the OCBC officer who took my application, since at the form i thick residental status - own, then she ask house loan from which bank, i said no loan. car loan? no car loan also.

really need that 5% rebate for petrol+bill+groceries

my mom told me, maybe, the bank think i'm able to pay, then no need la give me 5% rebate

This post has been edited by erry-: Dec 2 2010, 09:47 AM

honestly, more

DA Plat requirement is higher than OCBC Titanium. besides, i use DA for more than 3 years without debt. btw, why need to wait for another 6 months?

i only have 4, all never had debts. DA is now under CIMB, hard to access? besides they can check with CCRIS/CTOS right?

yes my DA is Malaysian issued cc, from CIMB.

What I dont understand is, 1st time apply with current cc not approved. 2nd time with all supporting documents also not approved.
And they said they cannot tell the reason.

Any OCBC agent here?

This post has been edited by erry-: Dec 2 2010, 12:46 PM

THIS:

i never know that degree is lower than CFA. honestly i also dont want to about CFA, and dont want to know. wah ur friend with diploma got annual salary 200k! even lower gold card too!

This post has been edited by erry-: Dec 2 2010, 07:34 PM

oh i'm a very poor customer to ocbc
but maybank seems like 'begging' me to continue their card, offered free 3 years annual fee and TP for gst

some1 here have more than me, but still able to get ocbc titanium. i dont feel want to apply for ocbc anymore

tell me about it. my limit is more than 4x than u also ocbc rejected. but nvm. no more ocbc!

pls, dont spam here!

This post has been edited by erry-: Dec 3 2010, 06:22 AM

why UOB not approved? its very rare bank not approved flexi-pay (btw UOB terms is EPP - Easy Payment Plan. flexi use by CIMB).

ok now, if u not paying in full, u will be charged 13.5% per annum (assume u always pay full before this), and u wont get 20 days interest-free period!

let say u purchase the camera rm3500 on 18 nov. ur statement date is 28 nov and due date 19 dec.
so by 19 dec u pay ur statement, and still have balance (oustanding) rm2000.
then, any transaction between starting 29 nov till u finish ur outstanding will get interest!


This post has been edited by erry-: Dec 6 2010, 10:28 AM

ALL CIMB Mastercard WITH Petronas logo will get petrol rebate at Petronas only.
while DA Mastercard will get rebate at all petrol station. but DA DONT HAVE classic card, so confirm ur card is not DA.

http://www.cimbbank.com.my/index.php?ch=cb...3&tpt=cimb_bank



This post has been edited by erry-: Dec 7 2010, 01:15 PM

HSBC gst will be charged 1 month after expiry date. if ur expiry is 09/14 then the gst will be on ur Oct statement, not Sept.

u should redeem gst50 AFTER it shows at ur statement. like me, i did pay full amount 1st (the last day of due date) then redeem gst50 (before next statement). so my next statement got rebate rm50 and extra rm50 will be deducted to next statement.

do u pay early? if yes, pls call HSBC helpline