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 Credit Card v16, Ask general questions here, Please read the 1st post before posting!

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cute_boboi
post Oct 21 2011, 05:02 PM

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QUOTE(lynus5986 @ Oct 21 2011, 09:40 AM)
hi there, wanna ask, if let say my gf going to travel, i pass her my CC (under my name), can she use it there without me beside?
btw, beside Cash advance, any other way to take out cash from CC?(dunno y my old pin can't use d, need urgent $$ so cant wait for new pin come which need 2 week times.)
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Read your CC T&C / fine prints.

Frankly I do not suggest you to pass your CC to her like that. If there is fraud / illegal use, you may need to bear the whole consequence.

A safer way is to issue her supplementary cards. You may share certain/full credit limit from your CC (principal).
cute_boboi
post Nov 8 2011, 06:11 PM

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QUOTE(hye @ Nov 8 2011, 05:34 PM)
By all means the salesperson wants the sale to go through thus will give the most optimistic calculation system.
You are asking questions with regulars and seniors from the credit card world in Malaysia, so which one would you think would be more accurate?
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QUOTE(gerenti @ Nov 8 2011, 05:54 PM)
so sorry to 'otai's here. not meant to not to trust in you all.. huhu
actually i just back from the shop n have done successfully the purchase of kitchen cabinet.
to be exact, my credit limit is RM30k n my available balance is just about RM19450.05. n i purchased the kitchen cabinet worth 23940 with 0 interest in 36 months. so monthly instalment just RM665.
after checking my balance with the bank just now, my available balance was just decrease to RM18785.05 which means it already deduct this month's instalment.
n again, the salesperson told me that it was a deal with the company n the bank
so, just to share this with all forumers here la n im not against any other sifus :-)
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There are two types of EPP (sorry, I don't know the exact terminology for it)

Type 1 is normally block off the full purchase amount from CL.
e.g. CL = 10k
buy 6k installment.
CL balance = 4k
=> Bank will settle full payment to merchant at month-end, and from that day onwards, the deal is between bank and you. You have to settle CC monthly and merchant has 0% worries.

Type 2 is, merchant ask you sign a form, photocopy IC. Every month merchant will submit payment to bank for installment.
e.g. CL = 10k
buy 6k installment @12 months = (rm500/mth)
CL balance = 9.5k
=> Merchant submit monthly, and bank collect monthly from you.
Merchant has worries that you'll run away with the item, as there are 3 parties involved here, until you pay up the last settlement.
cute_boboi
post Nov 25 2011, 06:24 PM

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At least one-digit is '8'

If both also '8', then he has to treat us kopi-bin/setapak laugh.gif

cute_boboi
post Dec 2 2011, 12:08 PM

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QUOTE(chemistry @ Dec 1 2011, 11:26 PM)
All you can think of is prison? sweat.gif
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LOL, most likely warehouse with sensitive / expensive stuff, such as micro-electronic components.
Or perhaps places like jewellery factory/warehouse.
cute_boboi
post Dec 5 2011, 05:47 PM

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QUOTE(TeraPox @ Dec 5 2011, 05:29 PM)
compare to Plaza PL...it's
much bigger,much cleaner,much much nicer, more quiet, food much much better,got haagen daz ice cream, got liquer, got champagne...
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All free ? hmm.gif

cute_boboi
post Dec 12 2011, 10:31 AM

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QUOTE(rockefeller @ Dec 10 2011, 06:56 PM)
I went to Stanchart KL Main just now to clear my credit card outstanding via cash deposit machine. I was shocked to hear they will only take my payment into account on Monday as today and tomorrow are not working days. THIS IS RIDICULOUS.

When I pay my cimb or maybank credit cards via their cash deposit machines, they are effected immediately! I repeat IMMEDIATELY.

Standard Chartered Here For Good? Of course has to be here for good since it takes AGES to get a bloody transaction done!

SUCH A JOKE, STANDARD CHARTERED!
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QUOTE(rockefeller @ Dec 11 2011, 01:26 PM)
TS, time to edit No. 4 and include Maybank Visa Infinite smile.gif

Added on December 11, 2011, 1:29 pm

Just checked on Stanchart's online banking, payment already reflected. It seems Stanchart's Infinite Customer Service Officers don't really know what  are they talking about then.
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Stanchart should be same day. Even for my housing loan, I banked in a cheque (not cash) on Sat evening (not yet clear and need 2 days float), it gets reflected on my monthly statement as Sat banked in.

Added on December 12, 2011, 10:40 am
QUOTE(Gen-X @ Dec 12 2011, 07:19 AM)
» Click to show Spoiler - click again to hide... «

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Great year end summary and conclusion.

Can't wait for the 3-dragon laugh.gif


This post has been edited by cute_boboi: Dec 12 2011, 10:40 AM
cute_boboi
post Dec 13 2011, 05:01 PM

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For me, for the past 2-3 weeks, I receive 2 calls from Price Solution for stanchart personal loan, BT and CC.
Also, single call from Citibank for personal loan and CC.
cute_boboi
post Dec 15 2011, 11:08 AM

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QUOTE(JonnY @ Dec 14 2011, 07:12 PM)
credited to ambank. Can do like that??
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For first-timer CC applicants, just keep try applying all banks. You need the first card as your future reference. Most likely you may not get the bank of your choice.

Same with me, my first CC, prefer Citibank. But was rejected. So I applied MBB and got it.
cute_boboi
post Dec 21 2011, 02:59 PM

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QUOTE(project68 @ Dec 21 2011, 01:34 PM)
But at atm i already registered my handphone number for TAC yesterday,which one did you really means?Do i need to go and talk to their staff at maybank?
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To change H/P number for TAC, you can do in ATM.

- Slot in ATM card, enter PIN
- Click Other Transactions, inside one sub-menu
- Select change mobile number
- Enter PIN again
- Done
cute_boboi
post Dec 21 2011, 04:58 PM

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QUOTE(MilesAndMore @ Dec 21 2011, 03:43 PM)
Didn't Maybank disable this a while ago ? Some of their ATM still have this menu but no update will be done.
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QUOTE(jian5481 @ Dec 21 2011, 03:50 PM)
Yes, they will state that you have to go to the counter to change it. Tried it few weeks back.
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OT, still can. My friend just change the H/P 2-3 weeks ago at MBB ATM (mid-bridge at The Gardens 2nd? Level, same level with TGIF/Starbucks/Baskin Robbin or somewhere that level. Got RHB and HSBC ATM next to each another). No error/info to ask goto counter. It says successful/done.

I'll ask to double confirm if TAC send to the old/new H/P number later.
cute_boboi
post Dec 28 2011, 12:41 PM

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QUOTE(MilesAndMore @ Dec 21 2011, 06:08 PM)
If the number change really was successful, then it means someone at Maybank is not doing his/her job. There was a statement from Maybank that all registration of cellphone number for the purpose of receiving TAC must be done inside the branch a while ago.
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OT, in regards to change h/p number at ATM for TAC. My friend has confirmed that the TAC is send to the new mobile number.
cute_boboi
post Dec 29 2011, 02:17 PM

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QUOTE(morbo @ Dec 28 2011, 03:57 PM)
Thanks for the replies zenquix and Gen-X!

Since we're on the topic of timely repayments, and I couldn't really find any advice in the "Ways to pay your credit card bill", I kinda wanted to ask :-

I have a Maybank savings account, and assuming I managed to get a Maybank CC, would it be possible to set some kind of Payment Instruction for my CC bill to be auto-swept from my savings account (essentially turning the CC into sort of a Debit Card). Ideally, I'd like to have this arrangement at no (or very minimal) additional cost to me. smile.gif
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You need to goto MBB branch, fill up the form to link up the S/A and CC. Remember to bring both the account/card numbers along.

At the same time, ask the counter CS if can do SI.

For me, I know every month must settle before 7th. So normally I pay manually online between 1st-5th of every month, from my S/A -> CC.
cute_boboi
post Jan 30 2012, 12:30 PM

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QUOTE(gerrardling @ Jan 29 2012, 11:00 PM)
bank will never cancel your cc unless you ask them to do so. If you still have not clear your outstanding amount, you cannot cancel your cc. Bank will never convert your amount to any installment plan, you never make any payment, your ic and your name will be blacklisted in CCRIS and the interest amount will keep increasing like a snowball
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Just to share, I did cancel one of my MBB CC which still has installment plan going on.
The card is cancelled successfully. No more annual RM50 GST.
However, the CC account is still active and every month it is charge X amount and I need to finish clear the installment plan.
cute_boboi
post Feb 14 2012, 05:40 PM

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QUOTE(WaCKy-Angel @ Feb 14 2012, 01:55 PM)
I wonder if you know how fast would banks update CCRIS ?
And when do they do it? I mean lets say due date is 10th every month.. If i missed it say pay on 20th. Would bank updated to CCRIS yet?
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My previous encounter with BNM, if I remember correct, banks only update to BNM CCRIS once a month. It does not matter what date, it will get reflected either this month or next month.

If payee did not pay this month, if it is not reflected in CCRIS this month, next month sure will update. If not, the month following next guarantee will show (2 months late). Which means, it takes another 2 + 12 months for CCRIS to clear it after you have make proper payment.

In regards to minimum payment, I'm not sure since I always pay full statement amount.
Hence, CCRIS will show zero (0) for all the credit cards/loans & months.
Therefore, I can't give a 100% answer for the CCRIS tracking if pay minimum or pay late.
My advise is to contact BNM rather than banks to get proper answer.
cute_boboi
post Feb 15 2012, 11:00 AM

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QUOTE(samsungXP @ Feb 14 2012, 09:37 PM)
juz wan to ask whether we can request to convert our cc outstanding balance to a term loan?
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Yes, you can convert to personal loan. Goto bank and discuss with them.
Then, cut the CC to stop using it.
cute_boboi
post Feb 15 2012, 03:43 PM

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QUOTE(samsungXP @ Feb 15 2012, 12:16 PM)
r u sure can?but some ppl say cant
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Have you tried talk to your bank CC CS ?

QUOTE(ronnie @ Feb 15 2012, 01:50 PM)
I agree.... increasing the Interest Rate only increase more debts, banks earn more $$$, more bankrupt individuals
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Sometimes, individual need to learn a hard lesson. No matter how much advise we give, some still go ahead into deadend and hit-the-wall. So, hit the wall it is.
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