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Credit Card v16, Ask general questions here, Please read the 1st post before posting!
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charymsylyn
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 Nov 19 2011, 04:59 PM
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QUOTE(hye @ Nov 18 2011, 06:58 PM) I'm all for transparency and it's for the better awareness of the folks reading here then why not. (snip) Just sharing guys of some of the things around us. While you are not wrong per se in your stand, the surcharge is a business cost and like any other cost, customers will always be the one paying for it in the end. Our rights as customers is as simple as buying elsewhere who does not change up front if one is so unhappy about it. |
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charymsylyn
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Dec 29 2011, 01:42 PM
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QUOTE(k3v1n @ Dec 29 2011, 01:37 PM) But the bank told me 18% is per annum.. Wat is mean by per annum? If per annum not every month charge 1.5% meh?? Why now everyday charge 18%? I really dun understand now. 18% rate is per annum, but the APR will be higher due to the daily compound basis of calculation. You don't understand, at least please make the effort to refer to Wikipedia. |
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charymsylyn
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Jan 5 2012, 10:20 PM
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QUOTE(niel @ Jan 5 2012, 08:40 PM) Not sure if this can be posted here. I submitted global blue tax refund forms at Paris and requested the refunds to be credited back into my MBB2 MasterCard. Upon checking my statement today, I noticed my treatspoint have been deducted for the amount of refund I received (RM1- 1pts). MBB mentioned the transactions have a code of "goods refund", I explained this is not a full refund of products purchased, but tax refund. MBB will file an appeal to management, but no promise at all. I was even advised not to do this again because my treatspoint will be deducted again and I could be suspected of money laundering! Another funny thing is, I have never used this card at all for any purchase in Paris! It is so unfair to have the points deducted this way. Anyone else? Err, what exactly is wrong with this scenario? You buy an item for say RM1000 but you are entitled to RM100 tax refund. You opted to refund to the same card, thus your purchase was in reality only for RM900. Nothing wrong for you to only get points for RM900 purchase. Or you were expecting a RM100 credit to your account? This was probably not done due to the fees involved. Paris is most likely because the tax refund company is based there. |
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charymsylyn
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Jan 5 2012, 10:35 PM
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QUOTE(jinaun @ Jan 5 2012, 10:06 PM) does BNM has new CC guidelines regarding the interest rates charges? Maximum CC interest rate is set by BNM. Minimum is up to bank. Typically most cards will just follow whatever is set by ABM. |
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