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

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maru
post Mar 22 2012, 05:42 PM

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hi guys,

got a question here

My due date on 9/3/2012 which fall on friday, if i made my payment on 11/3/2012 which is Sunday, do i get charge for late payment n interest?

This what happen my due was 3k, 2k payment made on sunday, statement came n charge me rm35 if not mistaken based on 3k instead of the remaining balance 1k.

anyone care to clarify ? CS told me they charge me based on 3k not after the amount i paid. no late charges on my statement
maru
post Mar 28 2012, 04:37 PM

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Hi guys,

wanted to apply another CC but dont know which one is good....can recommend me?

i got

HSBC amanah plat
MBB Amex
HLB Essential
Citibank Giant/clear/cash back

looking for another card which give me some good benefits, my annual less than 60k
maru
post Mar 28 2012, 04:57 PM

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haha

i use amex as much as possible due to 2.5% rebate

i use citi pump petrol 5% rebate

i use HLB essential for 1% rebate for everything else

hsbc for 0.5% which i think useless for me except for on going promo but wait 3% for groceries ^^

GSC/TGV ? clear card do it all buy 1 free 1, even maxis already give buy 1 free 1 for quite some time

coffee bean? clear card too

i wan some card from other bank....holding 4 cards GST gonna kill me but the rebate i getting quite worth it


maru
post Mar 28 2012, 05:01 PM

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http://www.airasia.com/my/en/flightinfo/ai...ainsurefaq.html
maru
post Jul 27 2012, 10:10 PM

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QUOTE(solsekuin44 @ Jul 27 2012, 01:25 PM)
Thanks, I already downloaded the form. But didn't see any part that allows me to state the amount desired hmm.gif
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i got the form...pm me ur email, i can email to u

normally u can try to request up to 3times of ur basic salary

if ur salary 2k, u can try to request to 6k

Added on July 27, 2012, 10:13 pm
QUOTE(codenamew @ Jul 26 2012, 08:42 AM)
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?
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bro...check out my signature....

pbb card is useless....

Added on July 27, 2012, 10:15 pm
QUOTE(Coconut @ Jul 24 2012, 05:53 PM)
Anyone manage to pay for TNB via internet banking or auto debit for Allianz or Hong Leong CC?

I have checked TNB website, this 2 bank is not in their list. I want to utilise the cash back rebate for these cards.
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bro

u can apply MYEG account n pay....but there is rm2 service charge....

for MBB and citibank only applicable for TNB



This post has been edited by maru: Jul 27 2012, 10:15 PM
maru
post Jul 28 2012, 01:10 AM

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QUOTE(Gen-X @ Jul 28 2012, 12:39 AM)
Bro, are you serious.... for his needs, isn't HSBC interest rate higher than PBB?
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how come? interest rate all suppose to be same which is 17.5% or 18%

forgot which is the general
maru
post Jul 28 2012, 01:33 AM

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i used hsbc bought iphone under maxis 0%
maru
post Oct 22 2012, 10:39 AM

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QUOTE(roachie @ Oct 15 2012, 03:01 PM)
noob question. do i need to sign behind my card?
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i used few of my cc which back i din sign lol , 4 years been using citibank cc without signature

only went i at oversea, they force me sign on the card be4 use it

haha

Added on October 22, 2012, 10:39 amaddon : sometimes the cashier look at my card but no signature....not a single damn given also....she just give me back my card n said TQ

not once but many times at different places tongue.gif

This post has been edited by maru: Oct 22 2012, 10:39 AM
maru
post Oct 22 2012, 11:55 AM

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well bro...

to be truth, those ppl who handle ur card, actually din really compare the signature 100%

so if someone pick up ur card, and try learn ur signature, the transaction will go thru also....

:/
maru
post Oct 22 2012, 12:48 PM

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QUOTE(cute_boboi @ Oct 22 2012, 12:19 PM)
Few years ago, I forgot to sign my CC for several months.
One cashier ask me, and I sign the back of the CC in front of her, then sign the receipt  doh.gif
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haha this happen to me when i was in HK, the cashier ask me sign the card first then accept the transaction lol

i think the cashier dont give a damn, as long it go thru ntg to do v her lol
maru
post Nov 5 2012, 09:39 PM

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QUOTE(MNet @ Nov 5 2012, 09:17 PM)
how UOB One CC compare to OCBC Titanium CC?

Pumping BHP petrol.
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ntg to compare

both same
maru
post Nov 5 2012, 09:55 PM

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oh izzit? haha tongue.gif

my bad
maru
post Nov 6 2012, 05:49 PM

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QUOTE(PPZ @ Nov 6 2012, 05:18 PM)
hi guys, i want to ask. if i want to cancel my Hong Leong credit card, what is the necessary steps to do it? call their CC and write letter to them?
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call n tell them want to cancel. as easy as that. no need write in
maru
post Nov 6 2012, 05:58 PM

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QUOTE(PPZ @ Nov 6 2012, 05:51 PM)
oh? that's it? and then few days later, i call them again to verify right?
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normally u tell them u want to cancel. u need to clear out the outstanding first. then few days later the CS will call u and persuade u not to cancel. if u die die wanna cancel , on the spot they will confirm u
maru
post Mar 21 2013, 09:46 AM

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QUOTE(hye @ Mar 20 2013, 07:25 PM)
Effective May 2, 2013. IBG transactions done via electronics means / e-Banking will only be charged 10 cents. No more reasons for anyone to give the excuse of not wanting to use IBG to pay their credit cards electronically. Cost of using cheque will go up next year starting April 1, 2014 - each cheque will now be charged RM0.50

News - TheStar 20130320
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i can save a lot of time n petrol because of that!

no need purposely go out n make payment
maru
post Jun 18 2013, 08:01 PM

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QUOTE(boom_kentut @ Jun 18 2013, 12:02 PM)
I am working for singaporean company from home(malaysia), i am working as flash animation designer earns about 3200+ monthly from home.
I am needing a credit card for cashless and retail transaction, i don't have payslips but i do have contract and job offer letter.

I have been working for about 5months now and salary always paid on 30th.
I wonder which bank would approve my working condition as OCBC staff says no.

So far i have about 80k cash in bank

Any input/advise appreciated
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got epf contribution ? if dont have , the chances are 0
maru
post Jun 27 2013, 11:12 PM

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QUOTE(Human Nature @ Jun 26 2013, 07:30 PM)
I have terminated my card account and I want to keep the card as memento due to its design. My question is, will it still go through and being charged if it is swiped?

Previously, I destroyed everything; the chip, magnetic strip, the CVC and cut it to small bits.
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=.=''

So precaution? I keep it as collection
maru
post Jul 9 2013, 06:59 PM

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QUOTE(ghoss @ Jul 9 2013, 01:25 PM)
icon_question.gif

Can we nego with bank to convert our credit card debt into something like a monthly installment payment ??

Beside AKPK.....
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u can BT it

or directly call to the bank n change into term loan....

of cz bt would be better choice
maru
post Jul 9 2013, 07:00 PM

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anyone know which card can give high rebate for dining?

currently holding wise card 10% , but easily maximize the rebate....

i saw those mach promo giving 20%

any idea
maru
post Jul 30 2013, 06:09 PM

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QUOTE(kytan @ Jul 29 2013, 12:08 PM)
Hope someone can help me here. I work in Macau and trying to apply for a credit card in Malaysia. Not sure why is it so difficult. Citibank do not accept application if you work abroad in any countries except Singapore and Brunei.

Does this rule apply to all banks?
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honestly u can forget bout it....cause u in the high risk, giving CC to malaysian consider risky already , but to those work oversea riskier....u can hilang anytime....

vice versa same to u apply macau CC , they will scare u run back to malaysia anytime....

so the best find ur family to supp 1 card for u
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