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 Credit Card Foreign Exchange Rate

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kenjixx
post Jul 1 2015, 12:26 PM

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From: KL/Ampang
RHB Travel Money
Transaction Date: 27/06/2015
Posting Date: 29/06/2015
Transaction amount: ￥10,741
Amount charged: RM335.31
visa rate : 1000 JPY = 30.603 MYR (29 Jun Visa USA)
Effective rate: 1000 JPY = 32.033MYR
Difference: (335.31 - 328.706823) / 328.706823 = 2.00 %

This post has been edited by kenjixx: Jul 1 2015, 12:39 PM
kenjixx
post Jul 17 2015, 01:06 AM

my home hero
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Joined: Oct 2006
From: KL/Ampang
Transaction TypeMBB 2Cards AMEX
Transaction Date13 July 2015
Posting Date15 July 2015
Transaction amountUS$97.04
Amount chargedRM378.92
rate0.26380
Effective rate0.2560
Difference(378.92 - 367.859) / 367.859 =3.00%

ouch...

This post has been edited by kenjixx: Jul 17 2015, 01:21 AM
kenjixx
post Aug 21 2015, 11:51 AM

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i messed up d

This post has been edited by kenjixx: Sep 17 2015, 11:37 AM
kenjixx
post Sep 17 2015, 11:38 AM

my home hero
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Joined: Oct 2006
From: KL/Ampang
Transaction TypeAeon Watami
Transaction Date15/09/2015
Posting Date17/09/2015
Transaction amountJPY3000
Amount chargedRM109.74
rate0.03658
visa rate0.036102
Difference(109.74 - 108.306) / 108.306 =1.32%

Transaction TypeStandard Chartered Cashback Gold
Transaction Date15/09/2015
Posting Date17/09/2015
Transaction amountJPY32
Amount chargedRM1.18
rate0.036875
mastercard rate0.036077
Difference(1.18 - 1.154464) / 1.154464=2.21%

This post has been edited by kenjixx: Sep 17 2015, 11:39 AM
kenjixx
post Nov 4 2015, 11:25 AM

my home hero
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741 posts

Joined: Oct 2006
From: KL/Ampang
Transaction TypeAeon Watami
Transaction Date02/11/2015
Posting Date04/11/2015
Transaction amountJPY2205
Amount chargedRM81.09
rate0.03677
visa rate0.035915
Difference(81.09 - 79.192575) / 79.192575 =2.39%
kenjixx
post Nov 9 2015, 09:23 AM

my home hero
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Joined: Oct 2006
From: KL/Ampang
Transaction TypeRHB Travel Money
Transaction Date02/11/2015
Posting Date05/11/2015
Transaction amountJPY10539
Amount chargedRM380.79
rate0.03613
visa rate0.035915
Difference(380.79 - 378.508185) / 378.508185 =0.602%

Transaction TypeAeon Watami
Transaction Date05/11/2015
Posting Date08/11/2015
Transaction amountJPY6200
Amount chargedRM228.01
rate0.03677
visa rate0.035420
Difference(228.01 - 219.604) / 219.604 =3.83%
kenjixx
post Nov 16 2015, 10:03 AM

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From: KL/Ampang
QUOTE(intothefantasy @ Nov 14 2015, 11:36 PM)
can i know where to check aeon watami card foreign exchange rate online? for japan yen especially?
*
there isn't a place that you can check the exact rate charge by the card... you can go back one page and see the rate post by other user


Transaction TypeAeon Watami
Transaction Date08/11/2015
Posting Date11/11/2015
Transaction amountUSD9.87
Amount chargedRM43.42
rate4.399
visa rate4.315568
Difference(43.42 - 42.59465616) / 42.59465616=1.93%
kenjixx
post Nov 28 2015, 10:33 AM

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From: KL/Ampang
QUOTE(edwardccg @ Nov 28 2015, 09:11 AM)
This is crazy  rclxub.gif
my calculation wrong ??? sad.gif
*
i have some transaction charge around that day in yen also but still havent post yet will share mine when post ...


----------------------------
Transaction TypeRHB Travel Money
Transaction Date25/11/2015
Posting Date27/11/2015
Transaction amountJPY6377
Amount chargedRM224.96
rate0.0353
visa rate0.034581
Difference(224.96 - 220.523037) / 220.523037=2.01%
kenjixx
post Dec 1 2015, 01:38 PM

my home hero
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Joined: Oct 2006
From: KL/Ampang
Transaction TypeAeon Watami
Transaction Date27/11/2015
Posting Date01/12/2015
Transaction amountJPY6204
Amount chargedRM228.15
rate0.0368
visa rate0.034581
Difference(228.15 -214.540524) / 220.523037=6.34%

so pain sad.gif
kenjixx
post Dec 2 2015, 03:26 PM

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From: KL/Ampang
QUOTE(rap7733 @ Dec 2 2015, 09:03 AM)
Transaction Type:    Aeon Watami
Transaction Date:    24/11/2015
Posting Date:      26/11/2015
Transaction amount: JPY28,000
Amount charged:      RM1,049.27
Posted Rate:            3.7474
visa rate:              3.4698
Difference (3.7474 - 3.4698) / 3.4698 = 8.00%

Transaction Type:    UOB VOX
Transaction Date:    24/11/2015
Posting Date:      26/11/2015
Transaction amount: JPY12,000
Amount charged:      RM460.76
Posted Rate:            3.8397
visa rate:              3.4698
Difference (3.8397 - 3.4698) / 0.038397 = 9.63%

Did I calculated wrong? hmm.gif  The rate is very high.
*
you use posting date to calculate? if calculate using transaction date it's lower abit but the end result still very high

Transaction Type Aeon Watami
(0.03840 - 0.035192)/0.035192 = 6.5%
Transaction Type UOB VOX
(3.8397-3.5192)/0.035192 = 9.1%


another one recent transaction...
Transaction TypeAeon Watami
Transaction Date30/11/2015
Posting Date02/12/2015
Transaction amountJPY1260
Amount chargedRM46.34
rate0.0368
visa rate0.034872
Difference(46.34 -43.93872) /43.93872=5.46%
kenjixx
post Dec 5 2015, 08:04 PM

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edwardccgHuman Nature
My transaction was from amazon.jp not going through paypal
kenjixx
post Dec 8 2015, 08:59 AM

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From: KL/Ampang
Transaction TypeMaybank 2 Card Visa
Transaction Date03/12/2015
Posting Date05/12/2015
Transaction amountJPY11000
Amount chargedRM388.98
rate0.0354
visa rate0.0345846405
Difference(388.98 -380.43) / 380.43=2.24%
kenjixx
post Jan 22 2016, 10:50 AM

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Joined: Oct 2006
From: KL/Ampang
Transaction TypeAeon Watami
Transaction Date19/01/2016
Posting Date22/01/2016
Transaction amountJPY11800
Amount chargedRM433.95
rate0.03677
visa rate0.037976 @ 19/01/2016 @ 0.0% foreign transaction fee
Difference(0.03677 - 0.037976) / 0.037976 =-3.1%

is negative rate even possible blink.gif

This post has been edited by kenjixx: Jan 22 2016, 10:51 AM
kenjixx
post Jan 22 2016, 10:37 PM

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From: KL/Ampang
QUOTE(KenYoung @ Jan 22 2016, 07:30 PM)
buying a product from an international personal seller.. he is charging me via CC....

which CC gives the best foreign exchange rate any1 knows? in USD.

is my first time buying something from overseas via CC so im not too sure how i will be charged. previous times would be via paypal? lol
*
so far from what i seen only some high end card and aeon watami has low rate for usd just deal with it if u only paying once
kenjixx
post Feb 22 2016, 10:44 AM

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Joined: Oct 2006
From: KL/Ampang
Transaction TypeAeon Watami
Transaction Date18/02/2016
Posting Date21/02/2016
Transaction amountJPY13330
Amount chargedRM508.07
rate0.03811
visa rate0.037275 @ 18/02/2016 @ 0.0% foreign transaction fee
Difference(0.03811 - 0.037275) / 0.037275 =2.25%
visa rate0.037737 @ 21/02/2016 @ 0.0% foreign transaction fee
Difference(0.03811 - 0.037737) / 0.037737 =1.00%

Transaction TypeAeon Watami
Transaction Date20/02/2016
Posting Date22/02/2016
Transaction amountJPY2290
Amount chargedRM87.28
rate0.03811
visa rate0.037737 @ 20/02/2016 @ 0.0% foreign transaction fee
Difference(0.03811 - 0.037737) / 0.037737 =1.00%
visa rate0.037737 @ 22/02/2016 @ 0.0% foreign transaction fee
Difference(0.03811 - 0.037737) / 0.037737 =1.00%
kenjixx
post Feb 22 2016, 05:20 PM

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From: KL/Ampang
QUOTE(Devil4life @ Feb 22 2016, 04:53 PM)
Why there is 2 rates? One based on transaction date and the other is posting?
*
yes one for each kinda suspect aeon using posting date for the calculation
kenjixx
post Mar 4 2016, 11:36 AM

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From: KL/Ampang
QUOTE(adele123 @ Mar 2 2016, 09:12 AM)
|Transaction Type|CIMB Cash Rebate|
Transaction Date27/02/2016
Posting Date01/03/2016
Transaction amountGBP252
Amount chargedRM1523.23
rate6.044563
master rate5.84467
Difference3.42%

EDIT: this is kinda high... i used the wrong rate?
*
where did you get the rate from ??

QUOTE(little man @ Mar 3 2016, 11:21 PM)
Transaction Type            ~ PB MasterCard Lifestyle Debit Card
Transaction Date              ~ 28/2/2016
Posting Date                    ~ 1/3/2016
Transaction amount          ~ NZD 92.06
Amount charged              ~ RM275.96
MC rate @ posting @ 0%  ~ 1 NZD= 2.76 MYR
posted rate                ~ 1 NZD= 2.995 MYR

Difference (2.995 - 2.76 ) / 3.6022 = 2.35%
what so high rate?  @edwardccg
*
(2.995 - 2.76 ) / 2.76 = 8.5% i count much higher
kenjixx
post Mar 23 2016, 09:30 AM

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From: KL/Ampang
Transaction TypeAeon Watami
Transaction Date18/03/2016
Posting Date23/03/2016
Transaction amountJPY10435
Amount chargedRM386.90
rate0.03708
visa rate0.037390 @ 18/03/2016 @ 0.0% foreign transaction fee
Difference(0.03708 - 0.037390) / 0.037390 =0.83%
visa rate0.036568 @ 23/03/2016 @ 0.0% foreign transaction fee
Difference(0.03811 - 0.036568) / 0.036568 =1.39%
kenjixx
post Mar 23 2016, 10:40 AM

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From: KL/Ampang
QUOTE(Human Nature @ Mar 23 2016, 10:37 AM)
posted quite late..online or physical?
*
it's online purchase bro...
kenjixx
post Jun 13 2016, 09:52 AM

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Joined: Oct 2006
From: KL/Ampang
Transaction TypeAeon Watami
Transaction Date09/06/2016
Posting Date12/06/2016
Transaction amountJPY2590
Amount chargedRM100.26
rate0.038710
visa rate0.038329
Difference(100.26 - 99.27) / 99.27 =1%


Transaction TypeMaybank 2 Card Amex
Transaction Date9-Jun-2016
Posting Date13-Jun-2016
Transaction amountJPY9828
Amount chargedRM383.52
rateRM383.52
oanda rate 374.389
Difference(383.52 - 374.389) / 374.389 = 2.4%

This post has been edited by kenjixx: Jun 14 2016, 04:56 PM
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