Last month, I had to pay my CC bills one day after the Due Date

No Retail Interest Charged
UOB, SCB

Retail Interest Charged
HLB
     

So be careful with HLB CC and make sure you pay before or on the Due Date.
I've asked for waiver from their CS.... and they told me to pay the Interest first, wait to be creditted in the next statement       

The $50 Cash Back was for NEW Approved  Credit Card (1st year) only...
In 2nd Year, we just got Annual cash back depends on your yearly expenses.
myself only got $5-$6 Cash Back, because just use the card for MOVIE only

As for auto deduct - I don't think the bank will do it for fraud cases BUT if you fail to pay your credit card bills or have outstanding balances and can't pay the minimum 5%, yes, they will deduct from your banking account and it is mentioned in the T&C.

Bro, if it is clearly a fraud case, we don't really have to worry since our maximum liability is RM250. However, if it due to one's negligence, like reporting they lost their credit card "late", then it is subjective.

You asked an open-ended question (regarding credit card and touching on banking system safety) with no absolute answers. I feel you are not having doubts per se but seeking reassurance that other people share the same concerns you have. I'm sure everyone here have the same concerns. But saying you have serious doubts and continuing to use the facilities does not jive with your position.

Bro, we are here for discussion to benefit each other, why you want to insult others? The first paragraph clearly shows your intention.

And you very senso lah, you make "fun" of me with your sarcastic remarks using "colorful" words and calling me names like unker; but, I get your point and therefore I can understand where you coming from. But when others comment your reply/post, you become defensive instead of elaborating on your thoughts, haha.

For your information, Bro hye has been contributing to credit cards matters at Pinned Credit Card Thread for years prior to this section being created. I have learned a lot from him. His posts are direct and if you read carefully, he is not really attacking you but makin a point.

Everyone has their own style of writing, hye's posts are direct whereas yours is more relax style as if talking to a buddy. By the way, I like your style of writing too, using words like "rob", as if a gun is pointed at you, to make a point. 

Hi Taiko,

my credit card balance for this month is just RM2.**, just wondering if im not paying this RM2 for this month and wait to settle from the other month will they charge me interest? if yes how much will be charged?

not 30 cents. there are minimum charge, 5 or 10, i forgot. better pay up

Always pay thru only banking. Owe 40cents also can pay

Isn't there a minimum payment of RM50 or something? If you don't pay then they will penalize you also ma.

But you then say you overpaid last month so doesn't that mean you overpaid them RM2? If like that then no need to pay also. Or maybe I no understand you.

can i use Credit card to pay bills?

it dont count as cash advance? wont it?

and which bank's online system allow payment to CIMB Futures or CIMB Investment Bank using credit card?

thats too bad, i was thinking of using this as a loophole to skip cash advance fee and cash advance interest charges

Hi,

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

wokay ~ will pm you ~~