Credit Card v12, Credit card GST remains....
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 Oct 19 2010, 10:41 PM
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#1
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Junior Member
500 posts Joined: May 2007 From: Kuala Lumpur 
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QUOTE(Shinichi @ Oct 19 2010, 10:07 PM) Hi all, is this the right way to calculate foreign exchange rate for CC payment made in Singapore? No. Please refer to the back of your credit card statement or the credit card fees page of your bank's website for the correct calculation.RM/SGD = rate  |
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Oct 25 2010, 10:44 PM
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#2
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Junior Member
500 posts Joined: May 2007 From: Kuala Lumpur
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QUOTE(de.crystal @ Oct 25 2010, 10:37 PM) how do i know if mine is a basic accout or not? If you got a passbook, account type will be stated on it. Usually can't convert account types for most banks.can i convert the current one to a saving account? |
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Nov 1 2010, 12:00 AM
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#3
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Junior Member
500 posts Joined: May 2007 From: Kuala Lumpur
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QUOTE(persistence85 @ Oct 31 2010, 11:35 PM) what i mean is after 1 year, will i get the slight chance of approval because of pledge deposit of my existing credit card? Hello, you copied a page about Share Margin Financing, why use it to talk about credit card collateral? Other forummers have already mentioned about 1:1 or less FD to CC ratio, you can check with the bank directly to see what they can give you.Added on October 31, 2010, 11:36 pm sources @ http://www.hlb.com.my/pfs/loan/loansmf.jsp?flag=loansmf Collateral Accepted * Cash / Fixed Deposits pledged to Hong Leong Bank * Acceptable quoted shares on Bursa Malaysia * Unit Trust funds managed by HLGUT High Margin of Financing * Up to 65% margin of financing Trading Limit * Up to a maximum of 2.8 times againts Cash / Fixed Deposits * Up to a maximum of 1.8 times against Shares / HLG Unit Trusts Thats mean Hong Leong Bank can use pledge deposit too? 2.8 times against cash/fixed deposits? what is this mean? anyone can explain? How if i put pledge fixed deposit RM5,000 and what do 2.8 times means? meaning i will get credit limit for more than RM10k?? |
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Nov 6 2010, 05:07 PM
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#4
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Junior Member
500 posts Joined: May 2007 From: Kuala Lumpur
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QUOTE(rickkywong @ Nov 6 2010, 04:39 PM) One of the point that banks DO NOT want you to know..... The writer just didn't educate him/herself properly on credit card interest. Not much excuses with all relevant information easily found on the internet these days. Credit card is like a knife. You can use a knife to cut food and live or cut your wrist or neck and die. The main fault lies with being responsible for your own actions, not blaming the knife manufacturer or store which sells knives. please read through this article... This post has been edited by charymsylyn: Nov 6 2010, 05:08 PM |
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Nov 9 2010, 11:39 PM
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#5
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Junior Member
500 posts Joined: May 2007 From: Kuala Lumpur
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QUOTE(Gen-X @ Nov 9 2010, 11:12 PM) 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. The interest rate for DFC is flat 9.88% p/a, much better than cash advance of 18% p/a. You had extrapolated the figures wrongly. |
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Nov 13 2010, 06:05 PM
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#6
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Junior Member
500 posts Joined: May 2007 From: Kuala Lumpur
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QUOTE(MrTaxxi @ Nov 13 2010, 04:51 PM) so if my item is usd 100, den add 2%/3% of usd and google convert it..and that's the approximate amount that i have to pay in myr? Go to this site and fill in the figures.http://corporate.visa.com/pd/consumer_serv...er_ex_rates.jsp Note that CC exchange rate is real time and counted more than 2 decimal points, so transactions made and posted on the same day 10 mins apart can have different rates. |
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Nov 14 2010, 10:28 PM
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#7
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Junior Member
500 posts Joined: May 2007 From: Kuala Lumpur
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I got 1% rebate when buying iPhone at Digi Solaris. Was hoping to get 5% since they used to same machine when customers want to pay bills.
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Nov 17 2010, 11:01 PM
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#8
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Junior Member
500 posts Joined: May 2007 From: Kuala Lumpur
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QUOTE(JonnY @ Nov 17 2010, 10:53 PM) Ambank mastercard. There is a column for guarantor. You got a photo/scan of the form?So it's mean I had to get a chop from my company to apply credit card, right? |
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Nov 20 2010, 03:47 PM
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#9
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Junior Member
500 posts Joined: May 2007 From: Kuala Lumpur
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QUOTE(shoduken @ Nov 20 2010, 11:26 AM) strange thing happened to me =.= Nothing strange at all, you are an ideal customer for the bank.EON bank upgrade my limit even though I have 2k outstanding with them for like already 1 year zzz =.= and i'm paying mins payment everymonth rofl Added on November 20, 2010, 3:49 pm QUOTE(ezwannkotb @ Nov 20 2010, 03:28 PM) I applied for a CC from Hong Leong Bank, got rejected.. What explanation do you want from us?My car loan is up to date, just paid rm2.5k on my CC with HSBC.. Will go to Maxis to pay my phone bill in the evening.. Can anyone explained to me please? This post has been edited by charymsylyn: Nov 20 2010, 03:49 PM |
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Nov 23 2010, 01:46 AM
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#10
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Junior Member
500 posts Joined: May 2007 From: Kuala Lumpur
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QUOTE(epie @ Nov 22 2010, 09:36 PM) just sign up for cimb goldcard with prime current account today....dunno much about their cc but wat i need is the prime account Prime account-linked CC is the same as non-linked CIMB CC, no difference in terms of benefits. Refer to their website for more info.wanna buy house and for prime account member got special rate anyone know how good the card is |
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Nov 24 2010, 05:15 PM
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#11
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Junior Member
500 posts Joined: May 2007 From: Kuala Lumpur
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QUOTE(Gen-X @ Nov 24 2010, 04:02 PM) Some bank officers don't even know that Direct Access is from CIMB. When I went to MBB branch to reapply for MBB Petronas card gave them DAWMC, the officer asked if I got any other card? And I said is from CIMB lah, and she said she didn't know. Same case yesterday when I went to apply EON Signature card at branch, the officer also got no idea that DA is from CIMB. Once at MPH also, the staff said no discount voucher for DA. Conclusion, better get CIMB instead of DA. Have not faced this issue after 5 years of using DA. But recognition is actually really not an issue. Just turn over the card and let them read who issued it.  |
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Nov 25 2010, 04:16 PM
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#12
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Junior Member
500 posts Joined: May 2007 From: Kuala Lumpur
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QUOTE(tzeling @ Nov 25 2010, 03:13 PM) Added on November 25, 2010, 3:15 pm shen me yi shi? can explain wats the meaning ka? why don't help is moral? |
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Dec 2 2010, 02:47 PM
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#13
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Junior Member
500 posts Joined: May 2007 From: Kuala Lumpur
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QUOTE(erry- @ Dec 2 2010, 09:41 AM) my record are clean. NEVER had debt. cc all paid full/more. Your understanding of how banks view CC debt is actually the opposite way. The most important criteria is actually not whether you can repay the debt, but actually how much they can earn from you. Since your debt level is zero, it means your ability to repay is too good and you are actually a very poor customer to the bank. The best customers to the bank are people who are unable to clear their CC debt but do not actually default.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 :x |
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