-Wrong thread-

This post has been edited by Leo the Lion: Aug 24 2013, 10:54 AM

GST is annually charged.

Yes, If you swipe RM2200 and pay before statement due date.

If you dont pay before statement due date, you will be charge 18% p.a. and some other fees

Hi all, currently i got 3 credit cards. I wish to use it to do turnover of daily expenses because I don't want to pay so much money at same month...how can I change the statement / due date to suit my needs?

My cards:
UOB － Closing Date = 26, Opening Date = 27, Paymeny Due = 15 of next month
Maybank Master - Statement Date = 6, Payment Due = 26 of same month
Maybank Amex - Statement Date = 6, Payment Due = 26 of same month

Please help...thanks!

I think all MBB cards have t he same Statement Date and Anniversary Date, so you can't have separate statement date for different MBB cards.

I feel above is adequate. Ignoring that you can earn up to 5% cash back or getting discount with the right card, transactions between 27 and 6 use UOB. Transactions between 6 to 26 use MBB.

Seriously how much money can you really save/earn (from having the money in the bank to earn interest) for daily expenses?

Actually not really wan to save money but to turn over so that some bill i can pay by this month, some bill i can pay next month....

Bro, seriously no difference you pay this month or next month because it is still a debt. The fact still remains you spending money.

Cash flow issue can happen if deadline to pay is at or just before your salary date, though.

Then plan your spendings carefully. BTW ... that's not a cash flow issue, it's personal cash overflow or no cash flow. Don't use the term cash flow wantonly without understanding the financial definition behind it.

If you have 0 money to pay your bills every month without the help of your salary then one need to rethink their finances.

Got something to buy which cost RM2800. Which place got cash rebate? If use HSBC can get 8% cash rebate from AEON?

Oh i think got 8% cash rebate - http://www.hsbc.com.my/1/2/amanah/personal...m-credit-card-i

This post has been edited by ngaisteve1: Aug 26 2013, 05:48 PM

Pls Refer to HSBC CC Thread....

where to check for Call for Cash offer?

i open a thread asking about more info about it and someone and somehow removed away my thread less than 5 minutes without reminder or advise.

simply put it, non of the banks will gv u cash on call/cash advance with interest lesser than FD or any other loans, correct me if i'm wrong

i got 1 over the phone from ocbc, 3% pa flat for 6/12 months only. selected customer only. no good?

even there a forumer spreading about this in citibank cc thread

Because lack of such info and good deal in this credit card section, i intend to open 1 thread about this call for cash or cheuque on call or whatever they name it based on your CL. But seems like someone is prohibiting me to do so and my thread gone with the wind in 5 minutes.

It's possible that bank offering anything to you lower than FD or any others, the catch is, they want you having problem to repay then the standard CC interest rate will kick in. If im a good paymaster, the bank still lose nothing as they still can collect the 3% interest p.a.

got an offer from PBB card for lifetime annual fees waiver, and it had been approved by end of July, receive the statement by mid of Aug, and until now still haven't got the card yet!

Have been called to PBB CS for 6 times, no-one can assists, if not because of the 0% BT, i will cancel this straight away!!!

Write a complaint to Bank Negara. Remember to mention that you have contacted them 6 times but no remedial action.

Where is actually mastercard corner in domestic contact pier klia? Still exist?

Any idea how to differentiate whether the hotel just 'blocked' the amount of money as 'deposit' or charged the credit card? Will the bank staff be able to find out whether the amount is blocked or charged?

How does this block thing works? When the hotel blocks the deposit amount for a certain number of days on my credit card when I check in, after checking out they will release the block, then it won't appear on my statement right?

Recently made a hotel booking for January 2013 with booking.com where it stated no deposit or prepayment is required. Receive an SMS from my bank the next day saying that a purchase of xx amount has been made. I contacted booking.com and they say the hotel could have block the amount (which was 50% of the total amount).

When your card is swiped for deposit, your card is actually charged that particular amount. Credit limit will be deducted but however, the merchant (which is the hotel this time), will not submit the deposit amount for claim unless you did not show up at the hotel which they will then use the transaction and claim from the credit card institutions. If I am not wrong, they can hold your credit for 7 days and if the merchant did not claim, the floating amount will be reverted back into your credit limit.

The amount is considered as floating as it is deducted from your credit limit but because the hotel did not submit for any claim, it will not appear in your bill. You can check with the bank and all they can tell you is XXX hotel has charged to your card but have not make any claims yet hence it is still floating.

If i do have several credit cards with several CL, my commitment from the view of other banks will be base on the total of my overall CL for those cards or only the amount that i've utilized from it?

should be total CL