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 Ways to Pay Your Credit Card Bills

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ronnie
post May 25 2011, 03:09 PM

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Asking those with actual experience with CIMB Cash Deposit Machines.

1. Can we pay multiple CIMB CC accounts by specifying the specific amount with one single CASH deposit ?
ronnie
post May 25 2011, 03:11 PM

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QUOTE(Nepo @ May 10 2011, 10:06 AM)
Hi guy,

What does SCB's flexi pay working ?
Anyone please enlighten?
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Read here : http://www.standardchartered.com.my/person...tions-apply/en/

ronnie
post Jun 3 2011, 10:29 AM

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QUOTE(codename_snake @ Jun 3 2011, 09:57 AM)

What I am looking for now is to be able to settle with just ONE card, and open an online saving/current account with them so to perform the transaction online for FREE.

But I think this is difficult as the rewards is going to get more attractive'r' from bank to bank...
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I opened a OCBC iQ Basic account (maintain RM500 in account to avoid service charge) which offers five(5) FREE Interbank Giro (IBG) to pay other banks CC bills.
Very useful indeed.
ronnie
post Jun 14 2011, 07:35 AM

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QUOTE(chemistry @ Jun 14 2011, 01:08 AM)
I just made payment to 8 credit card accounts in one single cheque recently.
Behind cheque was full of numbers  tongue.gif
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Did you deposit via Cheque Deposit Machine (with cheque scanning) ?
I wonder what's the limit of CC/BT accounts the machine can handle.
ronnie
post Jul 4 2011, 12:19 AM

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QUOTE(ubuntu @ Jul 3 2011, 11:16 PM)
Hi there, I haven't make any payment via cash deposit machine.
Let say my payment bill is RM100.85, how do I pay this bill over cash deposit machine? pay RM101 instead? Is that okay to pay more? Thanks for reply. smile.gif
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Minimum thru Cash Deposit Machine is RM110 as they accept RM100, RM50, RM10 notes only.
ronnie
post Nov 3 2011, 02:51 PM

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QUOTE(gark @ Nov 1 2011, 05:17 PM)
Hmm any option to use online banking to settle your credit card bill full amount automatically every month? Not free to go pay bill every month, always forget.  blush.gif
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It's Standing Instruction to deduct from CASA, chargeable RM2 every time.
Get your brain upgraded lah to NOT FORGET !!!
ronnie
post Nov 5 2011, 06:41 PM

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QUOTE(echoesian @ Nov 5 2011, 05:10 PM)
Maybank BSA supposedly charge 0.50 for the first two GIRO transactions per month, why the teller said it's only apply to ATM or M2U transaction? What the heck?
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IBG via the counter also charges 50 sen (first 2 IBG via Basic Savings Account)
ronnie
post Nov 6 2011, 11:46 AM

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QUOTE(echoesian @ Nov 5 2011, 09:29 PM)
That means the branch at Plaza IBM was not honoring it, what an inconsistent policy across Maybank branches!! Boycott!


Added on November 5, 2011, 9:29 pm

Can I know which branch that you went to?
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Default IBG charges is RM2.
You need to tell them that you have Basic Savings Account, then it would be RM0.50.
Are you sure you have a Basic Savings Account ? What is the account listed as under M2U ?
ronnie
post Nov 7 2011, 12:07 PM

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QUOTE(echoesian @ Nov 6 2011, 06:26 PM)
It's BSA, confirmed. The tellers there very sux..
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Just go to another friendly MBB branch... there's plenty to choose from.
You can also IBG via the ATM machine.
ronnie
post Nov 9 2011, 11:47 PM

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QUOTE(Gh-x @ Nov 9 2011, 10:46 PM)
how can i pay maybank credit card due using maybank current account cheque? what do i need to write on the cheque?
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Payee : Maybankard Centre
Write the CC number and amount to be paid behind the cheque.

On the flip side, why not pay using M2U to save 15sen ?
ronnie
post Nov 11 2011, 01:33 PM

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QUOTE(echoesian @ Nov 11 2011, 01:14 PM)
Went to MBB Kota Damansara branch again to try but again the tellers said the RM0.50 charge is only apply for ATM/M2U transactions.

Can I know which branch that you went to??
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Honestly, I haven't tried IBG via BSA... There's no mention that RM2 is IBG for OTC
QUOTE
6 over-the-counter (OTC) visits.
8 free ATM cash withdrawals. No fee shall be imposed for non-cash withdrawal transactions (e.g. balance inquiry or fund transfer within Maybank).
First 2 GIRO transactions in a month at a fee of RM0.50 per transaction and RM2.00 from the 3rd transaction onwards


ronnie
post Jan 31 2012, 07:22 PM

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QUOTE(cshong @ Jan 31 2012, 06:33 PM)
I personally don't think that there is any problem with surcharge on IBG transfer. If you go to the card issuing bank's branch or ATM, you will end up paying more than the IBG surcharge.
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all these should be free as the banks are earning profit from our savings and loan interest... Best to own CC from the bank you have CASA with to ease payment and save on these fees (IBG)
ronnie
post Feb 1 2012, 01:22 PM

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QUOTE(cshong @ Feb 1 2012, 11:34 AM)
While I agree on the bold part, I just want to say that RM2 or RM1.xx IBG fee still cheaper than you go to the bank yourself.
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Banks love YOU as a customer....
ronnie
post Feb 13 2012, 06:30 PM

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QUOTE(xproc @ Feb 13 2012, 04:38 PM)
how to make payment which reflected instantly... i had pay 1 week ago thru IBG online but not realised it bounced back already dunno what reason, due date is tmr...


Added on February 13, 2012, 4:41 pmcan i pay credit card bill using my debit card... wondering...
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ensure you perform IBG before 12pm to be same-day processing. You can call your CC to check payment on the next working day.
Which bank's account pay to which CC ?
ronnie
post Mar 11 2012, 09:51 PM

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QUOTE(hye @ Mar 11 2012, 09:25 PM)
If you factor in your time, petrol, parking ... sometimes pay by cheque is much more expensive.
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It all depends how close the banks are located within your area.
If your CC bill >RM5k, then it becomes more expensive to IBG.
ronnie
post Jul 11 2012, 02:18 PM

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QUOTE(gapsterz @ Jul 11 2012, 01:48 PM)
Bros and sifus,

i have one question here.

what if my statement date is on the 3rd every month and i pay the settlement balance on the 3rd itself.

will i be charged?
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No charges.
As long as you settle the Statement Balance BEFORE the Due Date, you won't be charge interest
ronnie
post Jul 11 2012, 11:53 PM

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QUOTE(gapsterz @ Jul 11 2012, 11:51 PM)
Oh sorry what ive been meaning to ask was if my due date on the 11th and i pay the statement balance on the 11th which is the due date..will i be charged?

Many thanks.
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If the payment is cleared on the 11th, then no charges.
Which bank's CC are you referring to ? Certain banks is very strict with Due Date (like HLB)
ronnie
post Mar 18 2013, 03:16 PM

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QUOTE(marshmallow82 @ Mar 18 2013, 02:04 PM)
can someone please let me know how to clear the "statement balance" from M2U? i have maybank credit card Visa. eventhough i can use debit card i just love to use credit card instead to collect points or sometimes Debit card cant be used. I normally paid full normally 1-2 days after billing, but only 1 payment RM59.32, eventhough i have already paid for it, it still stated in "statement balance" as RM59.32, but "outstanding balance" RM0. What that means?
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Statement Balance will always stay the same until the next Statement Date.
Outstanding Balance = RM0.00 is good (fully paid)
ronnie
post Jun 24 2013, 11:46 PM

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QUOTE(matsz @ Jun 24 2013, 11:38 PM)
Hi, this is my first time to pay my UOB CC via CIMB Clicks as before this I only go to UOB branch & damn they only have few branches.

I kinda confused with CIMB Clicks, Transfer to Other Banks' form.

I selected United Overseas Bank Bhd as for the beneficiary, key-in my 16 digits card number. The recepient's name column is should the name on my card right?

Then there is a column "Recipient's Reference" . I skipped this column & click next but apparently, it is a compulsory to fill. So what is the recipient's reference about? Is it the "Payment Account Ref" that is on my statement?

My UOB CC statement contains two cards & one of the card's 16 digits number is stated as the "Payment Account Ref".

And I need to transfer funds to make payment for each CC right? So for both transaction, the "Recipient's Reference" will be the same? Just the CC number is different?
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As per CIMBClicks FAQ
QUOTE
Recipient Reference is an interbank initiative to allow the recipient to see a payment reference from the sender when a transfer is made. Starting 1 July 2013, recipient will see this note in their bank's statement. It is a mandatory field introduced on 18 May 2013 in CIMB Clicks. You may enter up to 20 characters when you perform an IBG transfer (not applicable for IBFT). However, between 18 May to 30 June 2013, this will only appear in your transactions history.


How many credit cards you have with UOB ?
Payment Account Ref is your CREDIT CARD NUMBER
Paying to the Payment Account Ref will do auto-apportionment.... i.e. full payment to Principal, followed by payment to Supplementary
ronnie
post Jun 25 2013, 12:09 AM

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The CIMB Recipient Reference is meant more for the recipient to verify the transaction description (20 characters).

A suggestion: Just put your IC number

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