Happy New Year to All
See U...

This is a good example for those can get benefits using CC. Not just blindly to build debt or fall into bank's trap.
Happy new year 2013. Hope to get more exicting CC in 2013.

HAPPY NEW YEAR 2013!!!

May the banks in 2013 launch new credit cards that give us unlimited 8% cash back for any amount applicable to all types of transaction every single day

And I am pleased to present to you my first article for 2013 titled My Bragging Rights and My Credit Cards 2013.

I have Read Your 1st 2013 Article,
Good for You as Life go on...

Happy NEW Year to You, Gen-X

LIKED !!!!!

Any Credit Card in the market that allows 0% easy payment on current month transaction? Thinking of using it to buy a car.

This post has been edited by MGM: Jan 1 2013, 08:09 AM

Haha.. would bank earn money by giving such high % cash back?

hi everyone, if I owe the bank 2k, and if i just pay the minimum only, how many percent they will charge for the rest of outstanding which has not paid ?

There's a tiered system for the interest charge and it depends on which tier you fall into.

Bear in mind that the interest is charged on daily basis.

Oh i see.
It's not 1.13% per month? daily rate is estimate charge how many percent?

I can see you are struggling to understand the interest charges although it is straight forward. I'll be frank as to advise you NOT to have any debts (if this is your intention to ask) via credit card. Pay in full and the interest can be 10x than what it is right now and it wouldn't affect you at all.

The interest rate will keep on compounding itself till you clear whatever outstanding.

Not a wise move to play with fire!

I see you found the thread. Just read the OP la... need spoon-feeding on that meh?

Sigh... every month I forgot to pay cc balance due on due date and kena 1% late charge which is so high...

I felt that 1% is high if the amount owing is > few K.. say RM5k already kena RM50.00

Try to set reminder on ur phone/PC for CC payment. This is what i doing now.

I did.. but i always ignore them coz not in front of PC when get the reminder.. When go home, forgot jor.

This post has been edited by jack2: Jan 3 2013, 01:57 PM

Use google calendar and send yourself email reminder.

I found the citibank credit card cant reduce credit limit and cant give all transaction sms alert to me.

Any expert or sifu know how to reduce credit limit and get all transaction sms alert?

Any sifus here heard abt credit card refinance? How is the process like? Any expert here can assist? Tq.

Its not refinance. Its balance transfer....