Paiseh paiseh Actually you have done a lot more research and studies on credit cards as well as debit card than me. Just that there are very very few things i know but you weren't aware of. So it should be me calling you sifu instead

By the way, the Citibank Prestige World MasterCard Elite in reality, is just a card to show off for those status conscious people

This post has been edited by MilesAndMore: Oct 14 2013, 11:32 PM

Show off.... more like shiok sendiri, same same sensation that I get when I show off my credit cards, hahaha.

And if I do come across a person with a Citi Prestige, I guess I shall do some charity work and point out how much he is losing out every time he uses it

Hello everyone..

I want to ask how to make other people bank in to my debit card?

Currently i have a maybank2u account already.

And i don't have make TAC. Still can call other people transfer to me? Anyone help me would appreciate


**edit**

i want other people to bank in into my debit card. Whats the steps too to order them transfer money to me?

This post has been edited by kueckcinx: Oct 15 2013, 11:18 PM

Just Give Your Name & Account no. to People that want to Transfer $$$ to Your Account coz the Account is Link to Your Debit Card..that's Simple

This post has been edited by fly126: Oct 16 2013, 01:41 AM

My acccount number is which 1? The maybank2u 1 ah?

Yes , your bank account number .

Your debit card is linked to your bank account.

Hi,

just want to ask , if it's possible to convert credit card debt into a loan without going to AKPK ?

Sarjan

Listen to me, not worth it to convert to Personal Loan (I presume u talking about PL) unless u government servant and can get loan with ultra low interest rate. Just PAY AS MUCH AS YOU CAN every month.

If u want detailed calculation/explanation, e-mail/PM me on FB I explain to u.

This post has been edited by Pink Spider: Oct 16 2013, 11:49 AM

wokay ~ will pm you ~~

Not now har

U can PM me...but I'll only reply u later tonite

Just don't (NEVER) take PL to cover CC debt, not worth it

This post has been edited by Pink Spider: Oct 16 2013, 12:01 PM

okok ~~

sign up to a new credit card that offers interest free balance transfer say for 12 months. from then on, put both cards in the freezer. make regular repayments. thaw your cards after you have repaid the outstanding balance!

Yes it is possible with consequences:
1) If the bank has installment plan eg. Citi Flexi Payment Program (FPP), then balance can be converted to installment plan with interest charged.
OR
2) If the bank does not have one, then the card will be "restructure" under collection terms; i.e. card being cancelled, and converted into term loan where CCRIS record will be tarnished as a tagging will be introduced in one's CCRIS report to denote the facility is a "restructured" account hence viewd negatively by most banks.

So if one can still afford to pay, then it is still best to go with Balance Transfer programs out there. I believe many BT programs offered nowadays have fixed installment plans for the balance converted.

This post has been edited by b00n: Oct 16 2013, 02:14 PM

Thanks a lot ~~

This is really crappy I guess for the bold part .

Does late payment for a few days shows in the CCRIS record ?

Yes!

Best is to do BT BUT U STILL NEED TO PAY PROMPTLY AND IN FULL!!!
2nd best is to squeeze tight ur belt and pay as much as u can

Worst is take loan to cover CC

I believe it all depends on how the bank reports their data to CCRIS. Some might show but some might not.
eg:
Statement date on 5th every month.
Reporting to BNM on 10th (example).
One pays on 7th.

So some bank reports to BNM to say the customer missed 1 payment since the payment was due on 5th.
But some bank since reporting is on 10th, and the customer paid on 7th; so by the 10th when they submit the report it is deemed as no missed payment.

So I would say it varies from bank to bank.

Dear Readers

This thread (V17) will be up for closure @ 12pm 17 October 2013.
I thank you to all contributors who have helped in the long running of this thread.

Those interested to open Credit Card V18, please PM me.
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This post has been edited by hye: Oct 17 2013, 05:52 AM

i don't mean to be rude but if you are to get out of debt i think the very least you have to start to learn to help yourself. do some research and stop waiting to be spoon fed!

You have information and simply ask without posting what you already have then ask people not to post if dun wanna share?

please proceed to new thread at http://forum.lowyat.net/topic/2997826