Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Credit Card v17, Ask general questions here, Please read the 1st post before posting!
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 Feb 28 2012, 11:06 AM
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#1
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All Stars
21,962 posts Joined: Dec 2004 From: KL   
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QUOTE(hye @ Feb 28 2012, 11:04 AM) Looks like rates are coming back to its original levels a few years back. I doubt banks can simply adjust without approval from BNM.1.5% per month or 18% per annum. It's either BNM relaxing the ruling or perhaps the ruling is actually a guideline (from BNM) to the banks.  |
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Mar 12 2012, 02:07 PM
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#2
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(TearsRainzz @ Mar 12 2012, 02:04 PM) Noted, thank you! withdraw money using credit card is stupid.. Rebate are automatically credited back to your account. You do not control/accumulate it.one more question i must use the rebate on the next swipe or i can accumulate it until i wanna use it?? |
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Mar 13 2012, 12:23 PM
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#3
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(yujin86 @ Mar 13 2012, 11:30 AM) i dun know the 6 digit pin for my cc =.= Depends on how the cc machine works...Some accepts debit cards as Visa and no need enter pin..cos normally in malaysia we just swipe and sign isn't it? how about if we using debit card in new zealand? just key in the atm number? Some accepts as Debit card thus need the pin. And the pin is the ATM pin. |
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Apr 29 2012, 05:16 PM
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#4
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(Matrix 2332 @ Apr 29 2012, 04:36 PM) Sorry, I didn't see the posts anywhere. U can always bring ur cars to the station and pass the card to cashier and pump all ur cars together, then only the cashier will charge the card as 1 transaction.I was informed by the credit card centre that if I can only use my credit card not more than 3 times at the self service terminal. They tell me if swipe indoor can but I tried also declined at 2 different petrol stations. I am using MBB Amex at Esso and I have more than 3 cars I need to pump petrol. Anyone encounter this problem? Using card at pump also can , just dont hang the pump back to the holder. |
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Apr 30 2012, 11:03 AM
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#5
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(shawnk @ Apr 29 2012, 06:34 PM) Wei like that so troublesome... need 3 drivers! QUOTE(shawnk @ Apr 29 2012, 10:50 PM) Agree, was commenting on wackyangel's suggestion to pump all cars in a single transaction.  Got 3 cars logically should have atleast 2 drivers lor.... 2 round in 1 day also can what? |
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Apr 30 2012, 11:57 AM
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#6
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(TheEvilMan @ Apr 30 2012, 11:41 AM) I have a question, Eon bank had been handed over to Hong Leong Bank about 3 months ago, all the credit cards had been replaced with HLBB card during the merging. However things start to get funny where i keep getting late charges and interests since i change to their service 3 months ago, I try to call and even approach the bank but all they says is that they have no clue of what happen and they have no details of the charges in their system, they ask me to pay the amount 1st and will fix it for the next statement, so I did it for 3months and now it's the fourth month yet nothing fix, am consider to cancel it next month after paying all the debt if nothing are done by their side. What do you mean all cards been replaced with HLBB card??Anyone actually having this problem? According to them all the existing Eon Bank CC holder are facing this problem but I wonder if it's really the case or I'm the only one been fooled around by their lies? My EON-GSC card still is EON logo and no changes made. Are you sure its "replaced" and not entirely different card?? Did someone asked u to sign anything? |
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Apr 30 2012, 02:18 PM
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#7
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(TheEvilMan @ Apr 30 2012, 12:30 PM) it's replaced because eventually u still have to do replacement, which probably end of this month when HLBB totally took over, and all Eon Bank Account number will change from 13 digits to 11 too to fit their system. The credit card from HLBB is clearly a replacement because after it's activated the old card details and left over debt are all transferred over to the new system. HUH? all VISA / Master cards comes in 16 Digits boss.. Amex comes in 15 digits.So what exactly happened? EON suddenly decided to change your savings account which included your EON credit card?? I dont have savings account with EON so i duno whether they will change to HLBB or not, but credit card usually wont, unless your card expired and they send u new card with HLBB logo |
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Apr 30 2012, 02:39 PM
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#8
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(TheEvilMan @ Apr 30 2012, 02:28 PM) read carefully dude, Eon Bank Account number =/= credit card number, did u even read letters sent by bank to ur house anyway? I don't think u would be any help since u're confusing urself with what i trying to convey here. Anyone else here who experience the same problem which is similar to mine? Funny i did not confused myself at all.Credit cards does not comes in 11 or 13 digits. That is what you mentioned.. That is why i mentioned "savings accounts" coz i believe u are the one confused over urself. Your card comes in 11 digit number? And so far you are the only one i know getting a HLBB replacement card over EON card. My card expiry is 09/14 we'll see if i get any replacement or not next month or maybe 2 years later.. And oh I never read any letters sent to my house coz i get NONE! I love environment so i opted for e-statement, and in my statement i do not saw anything about changing the credit card (my card is 16 digits btw) to HLBB card. And NO, nobody has such problem because your card are probably NOT linked, thus that is why u are getting charged late interest This post has been edited by WaCKy-Angel: Apr 30 2012, 02:40 PM |
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Apr 30 2012, 03:05 PM
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#9
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(TheEvilMan @ Apr 30 2012, 02:50 PM) ok thanks, in the end u still mix the bank acc (13 turning 11 digits) number i mentioned with credit card number (yes it's 16 digits thanks), read again for god sake, whether or not you get an replacement or not, i got mine and i'm here seeking help, not seeking attention from u, u may proceed to somewhere else to provoke others rather than wasting your precious time here debating on something that is not related to my question. Lolz....Added on April 30, 2012, 2:55 pm yea i think those who didn't convert probably won't have such a problem, still trying to figure out things with their staffs, they did mention about people who are previously using EON credit card facing the same technical problem and suppose to be fix last month, that is why I'm trying to clarify with others who converted already and having the same problem as mine as well. Please click the  button if u think im not helping or trying to provoke.Im sure i didnt mixed up anything coz i was in credit card business (not credit card sales) for 5 years.. Anyway, my advise is do not pay them any single cent and report to BNM directly. Email to HLBB customer service and CC to BNM and u will get replied well within 1 week. |
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May 1 2012, 09:19 PM
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#10
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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» Click to show Spoiler - click again to hide... « I get such health screening invitation (via phone) once in a while too... At Pantai Hospital to be exact. But i never went any single one. Did u paid or they tried very hard to brainwash you (1 vs 1 talk) to join? Looks like a very good way to get free room and food. |
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May 5 2012, 10:45 PM
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#11
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(LeVis_Jeans @ May 4 2012, 06:40 PM) I wanna apply a credit card. But currently I work in SG, annual income around SGD24-28k. Kinda hard if u have no records at MY....Any one can pm me the detail to apply cc? Thx Just apply online at any bank u like... Like HSBC or Citibank.. Follow instructions and fax/email the documents.. Or some have option to choose "request call back" then their in-house cc agent will call u |
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May 7 2012, 10:04 AM
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#12
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(ZiNKaK @ May 6 2012, 09:48 PM) Your swipe during your check in will be your RM200 deposit.. As with all hotels they needed deposits.. Full payment will be charged to your regardless you swipe for your deposit.. QUOTE(Human Nature @ May 6 2012, 09:59 PM) so from now until check-in time, no amount will be reflected in my statement? I dont follow your previous posts but it depends on the hotel which function they use..For Hotels (usually) they have Pre-Authorisation functions which they use it to "lock/reserve" the amount of credit from ur card for 2 reason, 1 for making sure u have enough money in card and 1 for "room rate + deposit" they add together. eg. room rate RM200 + RM100 deposit they will do pre-auth RM300. The receipt will be shown as "Pre Auth" instead of normal "SALE" that u see.. And on the checkout day they will have to do an "Offline Sale" (the correct way) by using the previous receipt transaction number, without the need of your physical card, and the amount will be RM200.. After they done offline sale and settlement at the end of the day, the previously locked RM300 will be released and the real amount RM200 be charged to your card.. However, if some cashier just lazy to do "offline sale" and they ask for your physical card and perform a normal "SALE" then your card will be charged at that amount, and your locked RM300 will still be locked until 7-14 days then only be released.. Hard to understand? |
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May 7 2012, 10:57 AM
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#13
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(ronnie @ May 7 2012, 10:55 AM) What happen if the PRE-AUTHORISATION amount is insufficient ? Would the cashier need the physical card ? What do u mean insufficient?If your card available limit is RM200 and cashier tried to do pre-auth RM500, it will probably declined. Then u have to use another card.. |
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May 7 2012, 11:17 AM
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#14
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(ronnie @ May 7 2012, 10:59 AM) Let's say upon check-in the PRE-AUTHORISE RM5,000 to your card. Hmm...When check-out, the whole bill is RM7000, does the cashier perform OFFLINE SALES for RM5000 and physical new swipe at RM2500 ? They still do offline sale with the new amount, and it will definitely go thru coz its "offline" means no dialling to bank for verification. Your card statement then will be billed above the credit limit (overlimit charges applies for some banks), or u can clear up some of ur credit so it wont go above limit. But this scenario rarely happens coz usually if u extend your stay, u will have to goto the front desk and give ur card to them for another pre-auth. |
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May 7 2012, 01:25 PM
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#15
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(Human Nature @ May 7 2012, 12:33 PM) For the "Pre-Authorisation functions which they use it to lock/reserve the amount of credit", there will be no record from our side (wont appear in statement/no sms alert)? Yup nothing.QUOTE(ronnie @ May 7 2012, 12:48 PM) Petrol Pre-Authorisation at Shell pump using Maybabnkard 2 AMEX has SMS Transaction Alert. Kinda weird....But some ppl also do say they online check saw got transaction amount RM200 (pre auth limit for petrol station) then next day gone. |
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May 8 2012, 10:05 AM
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#16
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(Gen-X @ May 8 2012, 06:32 AM) You should call CS. I am been receiving SMS from MBB for my transactions including those as ESSO. I never receive neither... And not all transaction also got SMS either..Last sunday went to Maxis to pay bill with Amex on the spot receive sms...Then went to dinner but no sms for that. |
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May 8 2012, 01:34 PM
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#17
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(ronnie @ May 8 2012, 12:50 PM) Did you send in a request to set the Transaction Alert Limit via email for Maybankard 2 AMEX ? Where to set? I thought that is only for ATM/Online withdrawal limit?I receive SMS later (after turn on my phone). So far no missing SMS Transaction alert. |
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May 11 2012, 10:00 AM
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#18
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(Definite Collection @ May 9 2012, 11:20 PM) i check their website, can register through call their helpdesk, so my initial call is to register, but they keep saying already registered.. then i call again after several attempt to buy but cannot, they say i havent register, and ask some verificatio questions and say will call me back... so i waited for few days they din call me, so i callthem back.. they check and say registered already... the way they handle thing really unprofessional... i feel disappointed because of such small thing, need to call so many times, and yet unresolved... sigh... http://www.hlb.com.my/pfs/cc/ccsecure_guid...p?flag=ccsecureAdded on May 9, 2012, 11:21 pm how did u register the thing at the first place ya? I dont know about HLB OTP, but EON OTP sometimes sux! Tried to buy movie tickets but OTP keep wrong eventually barred, have to waste time and money to call them to unblock.. This post has been edited by WaCKy-Angel: May 11 2012, 10:01 AM |
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May 14 2012, 09:28 AM
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#19
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(celaw @ May 12 2012, 10:49 AM) Hi, I saw 0% finance charge for 8 mth in t&c.. is there any others hidden cost/fee for cash advance? If no, it is really a good deal..  QUOTE(ronnie @ May 12 2012, 11:12 AM) Does that mean we can get 8-month 0% for cash advance ? How about Balance Transfer? whats the interest?Of course you still need to pay the initial Cash Advance Fee, and 5% minimum amount due. |
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May 15 2012, 10:03 AM
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#20
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All Stars
21,962 posts Joined: Dec 2004 From: KL
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QUOTE(smsbusiness2u @ May 15 2012, 03:33 AM) anyone apply bank islam cc which can get RM150? But must kontrank 3 year? Which part u see got contract 3 years??http://www.bankislam.com.my/en/Pages/BankI...2&mlink=RM150RT why it means by must kontrak 3 year? The Balance Transfer are not bad.. 0% for 6 months. I think ima gonna apply for one |
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