means if I withdraw 1k today, the interest will be charged everyday until I pay up the full amount of 1k + interest?

Thanks in advance.

any idea is there anything called cash merchant register under cash payment but can make payment through VISA/MASTERCARD. in another word, we use our credit card to make purchase through online and the bank categorise the payment as cash advance because the merchant is register under cash type. is there such thing? pls advise. this is what the bank told me when i complain there is a cash advance fees of rm20.

thanks

Its a web download subscription service. this is the website when they ask for my payment

Not yet 30k.  But cannot afford to pay already. So what will the bank do?

Hi, i want to ask about the card interest rate for new card member. I just take public bank credit card for few month and it charge me 18% interest rate per annum even though i didn't make any late payment before. When i call to ask PB customer service, they reply me that every their new card member is charge 18% interest rate per annum until their management review and do credit checking on the account, then only it will reduce to 15% interest rate per annum. I did not found any statement or clarification like this at their website or card product disclosure. Is this true and fair?

HSBC is really bull shitting me! What 24 hours telebanking is HSBC talking about? I am pissed off big time. Not only that, I did not even get to speak to a real human being. I mean, it is common that most banks have human being late at night or early in the morning to attend to stolen/lost credit cards and nothing else; but, at least I get to speak to another fellow human being where they will advise me to call back.

For Visa/Mastercard, What's the interest rate charges
incurred for not paying the full amount owed?

oh.. they dont have swipe terminal? i thought can use like we swipe at shop. ;(

how about debit card?

the reason i plan to use credit card or debit card, i dont want to bring cash along with with me + i can have treats points as well smile.gif

About few months ago, my friends and I went to a coffee shop in Ampang to have some drinks.
All in total RM32+. My friend give the credit card but the waitress (I think Myanmar) say kenot as the restaurant only accept above RM40 for credit card usage.
(I saw a small signboard on the restaurant's glass wall stating so.)

My friend black face & immediately shoot the waitress. "What bull**** is this!? Call your manager!"
So he say restaurant cannot do so, if he report to VISA/Mastercard, they will take away the credit card machine.

So waitress cannot handle my friend, had to call manager. So talk to manager, manager firstly say the same thing. So my friend shoot her also.
"Look, don't blame me if next week you don't have your credit card machine anymore."

So manager also takut aldy, took his credit card. Surprisingly came back with credit card accepted. Friend sign while the manager apologize "Sorry ah, the waitress don't know. Next time I will teach them properly. It's our fault"

I was amazed. Another friend of us is a senior internal auditor also did not know about this.

Tl;dr So, does the restaurant* has the right to reject customer based on the level of spending? Let's say below RM50, restaurant don't accept them?

Edit: typo error

CC Banks also not honest.
CIMB has promo on KFC but
some KFC refuse to offer promo.

Feedback to CIMB also deaf ears.

After my credit card fraud case, yesterday my CIMB DEBIT card has been fraud also..
The debit card I never use for online purchase and never swipe to buy things..this is saving account and its ONLY for saving..

Really fed up with this world..so many scams..

I know I can fill up dispute form and get back my money back..but this is so troublesome..waste my time for doing something that not because of my fault..

Guess what, the so call fraud charges were transactions performed by he son!

Really?!

I would have assumed that it will be just be a separate transaction in the credit card which will only be billed together during the bill drop date.

does immigration department accept cc payment for passport renewal?

want to know more about interest late payment.

statement date is every 27th.
if balance to pay is 1000, payment is calculated based on credit transaction or the actual balance todate (20 days no interest).

eg. i pay RM1000 within 20 days after statement date, and using 500 more within that period after paying. balance before that period finish, 500. they will charge interest or the transaction will be calculated in the next statement?

eg2. i pay 900, then use 500. balance is 600(100 + 500). payment for prev statement is calculated as 400 or 900?

Hi, may I know will happen to my cc I currently holding if I working oversea? Would the bank cancel all my existing cc since I do not have income in Malaysia. Thanks.