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 Fixed Deposit Rates in Malaysia V3, Read 1st post to find highest rate.

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post Oct 21 2012, 04:27 PM

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QUOTE(magika @ Sep 12 2012, 08:33 AM)
Its applicable 0.1% of total FD amount if you recommend friends to deposit in their FD. You will need to open a saving account with BR, then when your friend open FD at any branch, just gave them the name n account number of the referral. I used to give back all the RM to my friends and relatives.

BR also gives free gifts and can nego, if shy get pittiance. I used to get hamper, towels, bags, a few shoe bags, just thick skin and demand, also extra 0.05% rate. Try to be nice and get nothing.

OCBC, when recomending Premier Customers no matter which branch also need to inform who the referral is, also need to ask what is the gifts, and also keep harassing. Be too nice a guy, doesnt pay, be kiasu it pays.. sweat.gif

PS: Pls enquire first.


Added on September 12, 2012, 9:28 am

sweat.gif


Added on September 12, 2012, 9:43 amWats the matter with Hong Leong Bank ?
Got quite a lot of phishing email, with quite a lot of accurate private info too. However reply to email ends with. edu something . mad.gif
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Hi bro magika,

may i know u get negotiated extra 0.05% interest is at which BR branch?
i'm going to top up my BR FD soon, just wanna know which branch is easier to nego and easier to get nice free gift. drool.gif

Last time i open account at BR branch near PJ Digital Mall, the gift is so so only and can not choose... cry.gif
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post Oct 21 2012, 06:32 PM

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QUOTE(magika @ Oct 21 2012, 06:10 PM)
Any branch will do provide its RM50k above. Just ask from counter and insist others can get the extra. Enquire first though, but deposit large amount only got more bargaining power.  drool.gif

Thats why sometimes I hesitate to break up my FD, small amount no bargaining power.

If you are married, its better for you to uplift your fd when reach maturity date. Open a BR saving account. Later ask your missus to open the FD at BR stating that you recommend. You will get 0.1% credited to your saving account later.. tongue.gif
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Thanks for the info.. will try it when later i top up..

still single, and no friends or family member interested to open BR account, too bad..
that's why when i first open BR account, the referral fee also wasted d..

Plan to save money in BR until reach 200k, then move to citibank try their Citigold member, tongue.gif
want to see how privilege is their Citigold service..
If BR have Privilege Banking service that will be great! laugh.gif



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post Oct 30 2012, 11:03 PM

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although BR FD is not insured by PIDM, but it is safe enough as BR is established by government.

BR won't collapse, unless Msia gov collapse.
If BR can not be trusted, our money in KWSP is also at risk d.
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post Oct 31 2012, 01:17 AM

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i have an FD account at BR.

Try do a research on PIDM.
It's a government agency established under Akta also.
which means that: if BR collapse = gov collapse = PIDM collapse also.
In other word, if BR collapse = PIDM collapse also.
So although BR not insured by PIDM, it is still as safe as insured by PIDM as BR is back by gov.


And also please see clearly the wording PIDM used, they mentioned that the protection is only covered for the "unlikely event" of member banks failure.

So how to define "unlikely event"?
It's really depend on PIDM.
Don't expect that if your money gone into the drain, PIDM guaranteed & confirmed will pay u back.

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