i want to use credit card to buy a smartphone, most of the phone shop tell me they will charge 3% if i use credit card. Is this legal? If they charge my card already for 3%, can i ask bank to cancel the 3% only?

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?

every month i pay more than minimum payment...sometime is 1/4 or 1/6 from the outstanding balance, becoz i plan to clear the 2K outstanding in 5 months time. So that means if i pay minumum payment for 12 months consecutively and no late payment, then only they offer 15% pa? Becoz i check from my card product sheet, the interest rate tier is 15%, 17% and 18%. I just hope i know about this before i apply the card.

Thank you for your advice...i take the card just for buy the 1.3K phone, i think nobody will use 1.3K CASH to make the direct payment unless they rich enough. Instead of using 0% monthly payment installment plan which default offer by phone shop, i choose to clear the 1.3K balance in 5 months and plus the benefit of new card application cash rebate, in the end i clear the balance faster than installment plan and the extra charged amount not more than it. I know the risk of bill snowball, that why i keep tracking the outstanding balance and interest rate they charge to me.

hi, anyone know how to apply verify by visa / 3d secure feature for public bank credit card? or similar security features? like need to enter code before finalize the transaction.