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Credit Cards Credit Card v17, Ask general questions here, Please read the 1st post before posting!

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SUSDavid83
post Mar 5 2012, 10:06 PM

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QUOTE(nxsia @ Mar 5 2012, 09:56 PM)
Do maybank petronas ikhwan credit card, giving 1x point on normal day transaction?
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By right should be.
SUSDavid83
post Mar 8 2012, 08:51 AM

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Aren't AMEX related stuffs should be discussed in dedicated AMEX threads? hmm.gif
SUSDavid83
post Mar 8 2012, 09:54 PM

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QUOTE(bennyt @ Mar 8 2012, 08:26 PM)
When we will receive first statement after we get the card?
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It depends when is your statement date and bill cycle.
SUSDavid83
post Mar 14 2012, 07:32 PM

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Generally 2 to 3x of your monthly basic salary.
SUSDavid83
post Mar 23 2012, 06:40 PM

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QUOTE(vgodmax @ Mar 23 2012, 03:44 PM)
Has anyone focus on loan from credit cards?

I know that Stan. Chart. has this Cheque On Call feature, which allow quick loan from the CL with attractive interest rate.

How about others like Maybank or CIMB?
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MBB has similar called Cash Treats with one time upfront interest of 3.88%. Not sure still valid for the interest fee.
SUSDavid83
post Apr 11 2012, 08:42 PM

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QUOTE(deity01 @ Apr 11 2012, 08:12 PM)
Is citibank's credit shield necessary? Hv any good to us?
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Not for me.
SUSDavid83
post Apr 20 2012, 10:51 PM

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QUOTE(iVW @ Apr 20 2012, 09:33 PM)
Hi all sifu, since this is Q&A on credit card thread, I would like to ask something regarding credit card repayment.

Let's say I've owe credit card for an amount of 3K, and I plan to make a repayment for a 500 per month, can bank allow me to do that? I am a customer of Maybank BTW. Is there any suitable plan for me to repay the credit used, in an interest free way? Thanks
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There's no such thing as interest free.

You can opt for Ez Pay Plus.
SUSDavid83
post May 19 2012, 07:43 PM

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QUOTE(ZiNKaK @ May 19 2012, 07:21 PM)
Just out of curiousity.. What's direct access and what are the benefits?
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Direct Access is used to by Southern Bank Berhad and they have been bought over by CIMB in the M&A activity.

They have their own CC product line to. Details at: www.­directaccess.­com.­my
SUSDavid83
post Jun 24 2012, 07:02 AM

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M2U did some minor changes to its interface yesterday. Felt a little awkward.
SUSDavid83
post Jul 11 2012, 09:11 PM

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Received a call today from a CC agency and asked if I'm interested to clear my CC outstanding in more affordable method (personal loan, BT and etc).

Didn't ask much since I'm totally not interested at all! tongue.gif

The number is 016 2285563.
SUSDavid83
post Jan 1 2013, 10:26 AM

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QUOTE(Riki1 @ Jan 1 2013, 10:22 AM)
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 ?
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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.
SUSDavid83
post Jan 1 2013, 01:24 PM

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

Not a wise move to play with fire!
SUSDavid83
post Feb 24 2013, 02:12 PM

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Where can find the RHB buy 1, free 1 promotion thing? I can't find it in the website. The RHB agent said that it has been extended.

Thank you.

This post has been edited by David83: Feb 24 2013, 02:12 PM
SUSDavid83
post Feb 24 2013, 09:22 PM

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QUOTE(Titan_Gunners @ Feb 24 2013, 09:18 PM)
I believe the promotion had ended on 31st Dec 2012 and their website already remove this promotion. doh.gif
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But the RHB agent stressed that it's being extended. sweat.gif
SUSDavid83
post Mar 2 2013, 11:03 PM

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QUOTE(a-ei-a @ Mar 2 2013, 11:01 PM)
Is there any additional charge other than the 5% for cash advance (withdraw money using CC via ATM)? Does the cash advance enjoy 20 days interest free as per normal credit card transactions?
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No for the 2nd question. The interest will be started from the day of withdrawal till it is being cleared.
SUSDavid83
post Mar 3 2013, 12:14 AM

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QUOTE(a-ei-a @ Mar 3 2013, 12:12 AM)
Thanks David83. Assume is 18% per year, the interest rate would be Amount withdrew x 18/365 X number of days from the day of withdrawal right?
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I'm not sure about the exact calculation. I believe it's compounded interest kind of thing. As long as you still have outstanding, they'll keep on charging you the interest on the outstanding amount.

Sorry I have no experience on cash advances.

This post has been edited by David83: Mar 3 2013, 12:16 AM
SUSDavid83
post Mar 12 2013, 10:29 PM

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MBB practice is not that simple as you think.

To unblock them, you need to send them a letter stating "Request to unblock the card".
SUSDavid83
post Mar 13 2013, 10:09 AM

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QUOTE(hye @ Mar 13 2013, 04:12 AM)
Not really. Because I had on at least two occasions thought I lost my MBB credit card and call the bank immediately.
They temporarily block my card and they told me to call again if i found my card within 24 hours. That's why I am certain of the procedures.
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I'm sharing my experience as well.

I forgotten to take my credit card at Tesco and I blocked the card for < 24 hours.

When I called the CS to unblock because I have discovered the card, they request me to write in a letter and fax the request to them.
SUSDavid83
post Mar 18 2013, 08:58 PM

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Received SMSes today from RHB stating that 2 CC have been approved - RHB Tesco and RHB Platinum-i

I was shocked as I didn't see it coming since no calls from RHB.

I have to call the CS to cancel both of them.

RHB Tesco: Cancellation reason is RHB agent deceived me with outdated campaign

RHB Platinum-i: Cancellation reason is didn't apply this card at all!
SUSDavid83
post Mar 18 2013, 11:42 PM

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Usually they'll send out SMS to notify that your card is approved. laugh.gif

Better call UOB CS ASAP. It could be somebody mistyped the handphone number.

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