today i got msg from rhb my card already approve.still waiting my card arrived.this first time i apply cc and approve ...

congrats! welcome to the world of cc!

DAI for RHB is 0.99% for 6 months. That's quite low and very interesting.

Planning to get basic RHB CC.

Any suggestions ?

If submit 2 years EPF statements & IC, should it be Sufficient ?

should i cancel my rhb card. didnt use much except for the starbuck promo.
islamic card btw

Any annual fee involved ?

yup

RM70 or 90 iirc.so was thinking. and RHB is not keen to waive either

If I were you, will cancel the card

Reason I wanna apply this RHB CC is because of "rhb dial an installment" with 0.99% for 6 month.

I think is the lowest rate available or is there any CC can beat this

what islamic cc is this? only this cc has starbucks promo? didn't aware of it.

by the way, how do you know rhb is not keen to waive the af? as per the rhb staff informed, they will waive with just 3 swipes per year.

nvr did get to waive for my parents. i did ask them to waive
i apply this islamic as it got the starbuck promo once in a while. no rhb seldom have any benefit though

I'm using this Dial-An-Installment plan also.... it's best to call after the Statement is posted.
This way you get additional ~50 days before you pay the first installment. A tip from the RHB CS

Meaning
1. Purchase item (RM5k) on 1 May 2015
2. Statement release on 30 May 2015
3. Call RHB on 31 May 2015 to convert RM5k as DAI ?

Am I right so far ?

Correct. the first installment will charge(posted) on 30 June 2015 (aka Statement Date)

Bro just to check with you, actually what the number of days to convert DAI ?
Is it 20 days after the purchase date ?

You can convert to DAI once the transaction has been posted in the Unbilled Transactions.
Refer to my earlier recommendation when to call to convert

Note also your BonusPoints credited earlier will be deducted out and given back based on the Monthly Installment charges on Statement Date.

The new system now shows 2 amounts for each DAI transaction : Principal & Interest
Bonus Point is given on the Principal amount, which is lesser. Refer below example :-

Eg. My RM1000 transaction converted to DAI
Principal : RM165.50
Interest : RM2.82

Total Bonus points will be given is lesser than actual amount (993 points vs 1000 points)

How they break down, I don't know and the CS also not sure... but the Total (Principal+Interest) is correct based on 0.99% one-time fee.


This post has been edited by ronnie: May 20 2015, 10:46 AM

Can we disable Cash advance or atm windrawal after received pin from bank? just to avoid taking future cash haha

just destroy the paper containing the number

This post has been edited by Human Nature: May 20 2015, 11:04 AM

ok but how about the cash advance function at online account? this without pin more convenient dem . Just in case , btw my card is with my wife

Which card they approve you?

lol dont register for online banking? or just practice more restraint

ok , mayb just ignore it haha . i having savings , HP and card with RHB so the online is usefull for me . Thx anyway .