Err ... not really.
Unifi has its own dedicated support number. And they are faster than your regular TM 100 number as well. I had issues with my Unifi recently, I know lah.

OT : Well ... there were small hiccups during the installation and my Unifi went down for a few days.
Went to complain @ TMPoint coz I have to terminate my old line (might as well), I was surprised they called that Unifi dedicated line. I got an SMS of my report and they kept following up on me. That's a big service level jump from the old days ... not there yet but definitely better.

If you checked the Unifi thread, there are a lot of unlucky guys with problems but I guess I'm one of the lucky ones.

Speed wise ... I'm getting between 4.4MBps-5.6MBps of my 5MB package on a regular basis .... so OK lah.

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Added on March 30, 2011, 1:37 pm I can't see it man! The webpage image is so micro!

This post has been edited by hye: Mar 30 2011, 01:37 PM

Thanks to all ... I will do my best.
Quite a surprise ...

SCB AF waiver is not automatic if I recall correctly. You need to call in to get the waiver.
Waiver is up to the discretion of the bank and they'll look at the transactions performed on this card and your payments. It is not based on frequency of usage.

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Added on March 31, 2011, 11:06 amThanks guys ... feel a bit of pressure also

This post has been edited by hye: Mar 31 2011, 11:06 AM

Yeah ... I was rather worried about that. I think now quiet coz not much issue or interesting developments. Happens every now and then.
The BNM announcement fever already gone. I think probably next wave is when the cardholders affected under the BNM scheme are "forced" to terminate their card and they will start to rant about the bank's unfavorable conditions.

Maybe I can become sniper ... can tembak people quietly now. No lah ... I'll still be myself. Have to keep my fan club happy coz if not will lose all those admirers of mine

Ideal solution but not practical given the fact that we live in "Boleh" land.
The amount of red tapes between government and commercial entities would deem the idea to be extremely impractical.

Yes ... I'm think this idea is practical.
However this raises a problem should BNM do an audit of the customer base and uncovers discrepancies. I'm sure the bank don't want to get into trouble as well.

I don't agree the background checking to be "outsourced" to a third party company because then we are creating another CTOS. I don't agree to my personal information to be commercially used by others in a country where personal information protection is so weak. With CTOS, I don't even have any control over my own personal information nor they compensate me for using my personal information.

We talked about this card recently, please don't be lazy to use the search function.
Plus you can make comparison in HSBC's website yourself.

This post has been edited by hye: Mar 31 2011, 07:13 PM

And don't forget to check out this thread for a guide to AMEX accepted locations. AMEX Locations

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Added on April 1, 2011, 2:54 pmThank you folks ... will do my best to serve the community in here.

This post has been edited by hye: Apr 1 2011, 02:54 PM

Yes ... agreed on this statement. I don't know how to put it in any other words.
It is best to be upfront about this rather than we start seeing everyone requesting for GST waiver just because they think they are in the "valuable" bracket.

Yup ... right you are.
I'm not siding with these guys but what seems perfect sense to us would be a humungous task for these gov guys to achieve. It requires a shift from their regular Standard Operating Procedures and this takes many people to approve/mindset shift. (This itself is a task) If this miracle can be achieved, next would be implementing the change itself which would be akin to the amount of effort to move a mountain.

In short ... not so easy lah.

This post has been edited by hye: Apr 5 2011, 11:08 AM

Plus ... BNM has set a guideline to those earning up to RM36K on the maximum CL that the bank should give them.
Beyond that income level, it is up to the respective bank to decide on your CL eligibility. There's no one here who can give you a certain and accurate answer.

Not necessarily true. This still depends on the bank.

Thank you for the kind words. I'm still the good old myself despite the new responsibilities.

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Added on April 6, 2011, 10:56 amThere are times when I wonder whether Mastercard Intl or VISA provide some sort of guidelines as to set the requirements for their products.
Have seen some banks setting Platinum requirement to be even below Gold entry level 10 years back. Back then, to get Gold - it is RM60K per annum and Platinum RM120K and above.

Premium cards like VI, WMC has yet to exist yet back then.

Yeah ... by Invitation Only card is the next way to go. Unfortunately these cards are so rare that it wouldn't be surprising if the public does not recognize the card should one use it publicly. Plus most of these cards are using matte finish vs. platinum "shiny" finish which in most cases downplay the cards visibility.

This post has been edited by hye: Apr 6 2011, 10:56 AM

Sorry folks ... made some errors while managing the posts.
If anyone noticed anything wrong, let me know and I'll look into it again.

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Added on April 6, 2011, 4:12 pmI'm not sure what you heard but from the real life cases that I have personally encountered, none were offered a discount on the settlement. (Not a single cent) What will happen (in the event a lump sum payment is not executed) is that they will freeze your account and then both parties agree on a payback period / amount. You cannot use your card nor apply for other cards (from any other cc providers) during this period.

With the existence of AKPK, banks normally transfer the effort of "negotiations" to them. And really ... I have never encountered a case where the bank offer a discount for credit card settlement even though AKPK steps in to act the mediator on your behalf.

I strongly discourage heresay (and you are not the only one who came in here and say "I heard ..." this and that) in this subject and whatever your hear will always remains whatever you heard as they have no solid basis to that claim.

Sad to say this but Gen-X is right, the best case (in a worse case scenario) is to bite the final bullet and declare bankrupt. Good news is that you won't accumulate debt further but be prepared for the inconveniences during this period. As you already mentioned since you already have a mean to exit your debt position, just pay everything that is owed and be happy about it coz once that's done - you are clear of debts. Trying to reduce the cost of your debts ... while it sounds sensible to recover whatever you can but bear in mind you are fighting opponents who has more firepower to beat you and cause more misery.

I'll advise you to give it a good thought. But honestly, for credit card I have never heard or encountered cases of successful discount on settlement.

This post has been edited by hye: Apr 6 2011, 04:28 PM

Yes ... the waiver would be in the form of them reducing their interest and charges. Reducing the principal ... dream on!
And of course as you would have already known, it is up to their discretion.

Banks like all commercial entities aims to make money. It is us the consumers that allow them to make money from our spendings - both good and bad. I find it very hypocritical of many that expect high interest rates from their savings but want cheap financing - not realizing that's how banks make money. You don't want them to make money then use all cash.

Good to hear that things are normalizing for you - all the best!

Yeah ... if I'm not mistaken both are not matte finished and the number fade after a while. Same problem over in MBB WMC and CIMB WMC.
Well, at least not easy to find these card holders and the "prestige" will last so long the banks don't cheapen them like they did to their Plats.


Made some blunders, guess it is not noticeable. Need to learn via making mistakes, I guess.
I am still finding my way round the system ... a lot things I don't fully understand what to do. (or what sort of damage I can do!)

@dattebayo, 안녕하세요
Basically you are asking people to calculate your debt for you. If you intend to have cc debt then do take some effort to learn the calculations yourself and don't ask people to do your work for you for free. You will learn to appreciate it better and subconsciously aware of your debt decisions - asking other people to do your work won't. There are various tools from the net to help you with the calculations. Google is a friend.
CC interest is about 1.5% per month and calculated on a daily rest. (Monthly rest calculations are slightly different)

Roughly for RM1K, interest should be about RM1K*1.5% = RM15. + since it is for 10 days then interest is slightly above RM5.

This post has been edited by hye: Apr 11 2011, 07:58 AM