Applied for Citibank Dial-for-Cash but every month, there is this charges call

CTB DIAL FOR CASH - RM 566.66  

MISC FEE DEBIT - RM36.35 <<<<<<<<<<<<<<<<<<????

What is this MISC FEE DEBIT actually?

Anyone know what is this EXTRA chargers by Citibank every month?

I do not want to sound rude but if I'm not mistaken your question is directed @ a personal loan type question. Dial-a-cash got nothing to do with credit card discussion. (And you could have avoided exemplifying your question ... I don't see why you need to highlight it)

Please ask in the right forum.

guys, just got my citibank shell card yesterday.

Just wan to confirm what is the time interval for each credit limit request? from what i heard is that can request credit limit every 6 mths.

wow, 70% increase after 1 year...you must be a big spender or a good paymaster. not much people can get these % of increment...

Interest charges of RM36.55 for RM566.66? That equivalent to 6.45% and when annualize thats a whopping 77.4%. Never take cash from CC.

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!

Calculate the interest this way ... (RM3500 X 17.5%) / 12 and that is your rough estimate of the interest per month.
Total interest would be x3.

One possibility is that for flexi-pay the CL allowed is sometimes not 100%. Perhaps the bank only allow 80-85% utilization of the credit limit for flexi-pay. With RM4000 CL, the highest would be only RM3400. That is the only reason that I could think of that caused the flexi-pay to be rejected.

DA application denied wondering why. i try to search thru pbb website i couldnt find any info about flexi payment? they no longer have this promotion eh

Hi all,

I need some explanation from MBB agent, if any:

Currently I am having Petronas Gold CC. They say we can withdraw cash from the machine as well.

My bf said the day he went to MBB center, the lady said there would be no extra charge until the day you received the statement and made ur payment. If let say I withdraw 2k, by the dateline, if I make full payment of 2k, there will be no interest. However, if by the dateline, I only make payment of 1k, I will be applied interest.  Is that true?

Somehow, I called up MBB Customer Service

The lady there mentioned

When you withdraw the money , 5% of the full amount will be charged
Plus, everyday since the day you withdraw the money until the day you completely pay the whole amount, there will be 0.18% of  ( full amount + 5% of full amount ) implies every-single-day

Which is true ?
We try withdrawing 1000MYR last week Thursday.

Appreciate if anyone can enlighten me.