Hi, I have a few question regarding credit card. Currently I have 2 CC, Maybank Petronas and Aeon Classic.

1) I'm curious about the interest fees. How to calculate the 17.5% p.a. interest? Example if I have a overdue of RM1000, for that month how much interest I have to pay? RM175 or Rm175 divide by 12?

2) For both CC I have, the 0% easy payment plan is really a 0% interest or there are some hidden fees like processing fee? Example, if I bought an item with RM2400 price tag, from my understanding, after RM200 monthly, at the end of the year the total cost still RM2400 right?

Effective 1 July 2012, enjoy auto Annual Fee Waiver for your RHB Credit Card...

Terms & Conditions:
       
        1) Infinite Card: min accumulative spend of RM100K per Annum (combined spend between Prinp. & Supp. card) 

        2) Platinum Card: min accumulative spend of RM36K per Annum (combined spend between Prinp. & Supp. card) 

        3) All Other Card: min 12 Swipes per Annum for Prinp. card & min 6 Swipes per Annum for Supp. card 

What Do U Think of This 

hi,
im going to apply for credit card but duno which one is the good, between public bank classic n hsbc. the main purpsoe is to get an iphone at installment plan through apple store. act can be do that? make installment plan for iphone purchase at apple store? and what is the charges?

thanks for the advice. but how about those upfront interest fees? will there be any diff? is hsbc higher? its possible to make installment plan with the bank right?
im new to this and i just got my job so thought of applying a new CC and get an iphone.

thanks

Promotion valid till 30 September 2012

a) 6 months 0% rate of min purchase amount $1000 (Not for RHB Business Card)
b) 9 months 0%rate of min purchase amount $ 1000 (applicable to Education & Medical bills only not for RHB Business Card)

Wah cepat betul u get this  information/details, Sifu You are Best of the Best

bro...check out my signature....

pbb card is useless....

how come? interest rate all suppose to be same which is 17.5% or 18%

forgot which is the general

i used hsbc bought iphone under maxis 0%

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PLEASE SHARE !!
RHB Bank Travel Money Credit Card holder please take note.

Beware of 10% rebate sms from RHB Bank that they never keep their promise.
As can be seen 1st weekend of May , petrol transaction on 6th of May is RM 63.74, with cash back only RM 1.20 (Not said 10% RM 6.37).

I already have ONE CARD from UOB Bank that gives guaranteed 5% rebate,that time I was attracted by the sms so only I use RHB Travel Money.So,I walked in to the bank and lodge complaint ,although it's a very small amout to me, but I do believe will have other consumers with bigger expenses that use the same card and didn't get the actual rebate.

RHB Bank passed the case to tele-banking customer service and the 1st one attended to me is a guy who said he stand on my site ,understand my situation but he said he can't do anything ,end up he passed to his manager to called me back.

Then his manager , a girl, she called me and said she can't do anything as for only certain amount above of petrol transaction only entitle ,and ask me go read T&C that apply before use the card. How can you expect me to read it online before I use ? and I argue with her that should the message written GET UP TO 10% PETROL CASH BACK before the bank blast out...

End up, 2days ago they called me and they apologize to me and in return, they giving me RM 10x2 Parkson shopping voucher.So if you're using the same card,please check your credit card statement see wether you can get redeem the same Parkson voucher or not .hehe

Cheers ~

if i have only one month and a half working experience, but salary above RM2k, whats my succession rate of applying a new credit card? I do not have any car loan, housing loan etc. Clear records.

I have a Question here, if i have outstading bal. $2.24
wether the bank will charges me Late Payment Charge & Interest after the Due Date
or carry forward to next month bill... how much the interest be ???   Thanks

Already google and search but answer not found.

Guys, I wanna buy electrical appliances, maybe rm2000 only,by using my hongleong cc. Then I want to convert the transaction to flexi payment plan. So, after swipe my cc to pay the thing, just call hong leong cs and tell them I wanna convert to flexi payment plan right? Easily approved or not? Cause someone in this forum shared his experience, he call hong leong cs to convert his transaction and the cs told him she will give him a call in next 3days. Lastly the girl didn't call n its appear rm1500 in his next bill.. Quite risky then if not approved.

This is the link for Hong Leong flexi payment plan. But subject to their approval. If not approved, then need to pay the amount by cash in the next bill.

http://www.hlb.com.my/promo/pfs/cc_fpp/index.jsp?s=ccpromo

This one also under hong leong. Promo. But still subject to their approval.

http://www.hlb.com.my/promo/pfs/cc_payment...dex.jsp?s=promo

I wanna buy something from Machines. Hehe. 
Machines is not listed in the 0% installment plan from Hongleong. A bit leceh la hongleong

Anyone using hongleong cc and tried this method, hope can inform me yeah

Really? Coz on my notice for renewal letter, it shows 0% installment offer via Maybank Ezypay, just wanna be sure and see if anyone tried this

din notice got such things
so the above is for maybank master and visa only

That's I understand but looking forward to see how I can stop the interest...

need to call the bank and ask ady....

Hi all,
wanna ask something,
the other days someone in lowyat approach me with pm saying that he is staff of the bank and ask me to apply CC through him.
after some consideration I have sent him my details for the application but now no news from this guy...
so I wanna ask could this be a scam?

I didnt request him to pm me, He c i drop some comments asking for the ocbc CC I think....