Yes. that's what I'm planning to do. It purely for BT and I might keep the card in my lock. heh.

So, assume my debt float between 5k - 6k (keep using) in debt and my minimum payment is 250. If I pay promptly every month 500 (my debt still floating cause I'm using it), do I still fall i 13.5 or 17.5? I never miss my payment (Rm500) before due date.



I dont think I quite understand table above

This post has been edited by saksoba: Jun 18 2012, 08:35 PM

Lower retail interest for prompt repayment is simply defined as minimum payment received on or before due date. If you are new, you have no record and are placed in the highest tier. Upon reaching the first anniversary, your tier is adjusted based on your payment pattern in the preceding 12 months.

Hi ! I'm NEW here... Can somebody help me on this matters???
I have 4 credit cards (all Since April 2011) :
i) HSBC Amanah VI PLATINUM with CL 13K (just upgraded it on April 2012, after consolited all the CL from my previous GOLD card : 5K+8K =13K)
ii) CITIBANK Clear with CL 4K
iii) RHB TRAVEL MONEY & TESCO card share CL 4K
iv) HLB-GSC with CL 3.5K
NEED ADVICES TO CANCEL ONE OF THE CARD BUT WHICH ONE...

MY BASIC SALARY : (2500+ PETROL ALLOWANCES+ COMISSION+ O.T) X 12 = 40,000 pa
But my EPF deduction base on Basic only & I don't HAVE INCOME TAX (EA FORM)
I have checked with HSBC, they have update my income to 40,000 pa in their data-base

Just be rejected by OCBC TITIANUM CARD the card's benefits was better than CITI CASH BACK...
I'm TRY to apply CITIBANK CASH BACK PLATINUM got any chances to get it ?
It need 40K p.a to apply the card but after or before EPF DEDUCTION ?
CAN SOMEBODY TELL ME !!!

This post has been edited by fly126: Jun 19 2012, 11:12 AM

May I know if it possible for me to call them and check my tier interest rate?

Of course you may call them and ask whatever relating to your account.

i have a question here, any1 know about Hong Leong Visa Platinum Credit Card? will they waive the annual fees? i think their annual fees is RM400 per year

i have Eon Bank Visa Gold, but they give me Visa Platinum, can it be changed to Essential Card? and i have a lot points in previous card

This post has been edited by sguy: Jun 20 2012, 09:23 AM

Don't know how much the annual fee but HLB do waive my annual fee for years and in the last 3 years they auto waived it when I wanted to cancel 3 years back.

Hi, would like to get an advise about the offer


SCB CC - outstanding 3k, prompt payment every month (about rm500+-)and no problem every month.

now they offer cash solution.. i suggest 3k to cover the outstanding and the interest is 9.8%, repayment 1 year, rm270+- monthly. still i need to pay rm270- and auto debit about rm300.. so total is 500+

should i get it ??? is it worth? or remain 18% interest?

the 9.8% upfront one time? if yes -
since you can repay RM500/month why don't you use excel and calculate the interest and determine which is "cheaper".

1 question to ask

My credit card application from mbb already approve and appear in my m2u but until now i don't receive the card. apply last 2 week

can anyone help?

tq

wait few more days or call customer service to ask if the card have been sent out.

I applied for a Platinum MC with CIMB but got rejected.

Currently working in Australia, family in M'sia. Annual income >RM150k. I told them about my situation before applying and they said overseas income is OK. I submitted all requested documentation including payslips and confirmation letter to them, but when I called up to check on status the lady just said 'unsuccessful' and wouldn't give me any reason. She just said wait 6 months and apply again.

How long have you been working there?

6 months. Have to work for a year before they will approve it?

Finally, a great offer from RHB, FREE Starbucks Drink and GSC Movie Ticket every Friday with RHB Credit or Debit Cards.

This post has been edited by Gen-X: Jun 21 2012, 12:24 AM

Bro, posted already about two weeks ago. You were still in MEL then

haha, maybe Human Nature can benefit from it (since I noted at another thread he was on holiday too about the same time as me).

dear all, my friend has recently approached the maybank CC centre in 1U, and inquired regarding obtaining a credit card without pay slip... the support there claimed that CC can be applied as long as there is strong financial funding in your FD/savings (ranging from 20k-70k)... anyone have got any idea about it?

Haha thanks The starbucks offer alone is tempting enough.

MAYBE, YES and NO....
For MY CASE, I apply GOLD CARD (April 2011) at HSBC Am,
I get my 1st credit card from them with CL 5K...
Later I transfer my FD 20K from other bank to HSBC,
Believe or not I been upgrated to Platinum Card Holder with CL 13K (April 2012)