OIC, anyway i cancelled liao after getting all the enrich points from the card and cancelling it before the rm1k in anual fees..

strange.. ppl like you so kaya...how cum you didn't ask the bank to waive it for you?
did you flash your VIP card to the RM or not? 

strange.. ppl like you so kaya...how cum you didn't ask the bank to waive it for you?
did you flash your VIP card to the RM or not? 

unker ar dun beg from banks

banks beg from unker ar to not cancel the card

that's how cool he is

strange.. ppl like you so kaya...how cum you didn't ask the bank to waive it for you?
did you flash your VIP card to the RM or not? 

that time they said the condition why this card 1st year have to pay anual fee was the high enrich points given during that promotion period.. so i decide to use it , enrich my enrich card, then cancel before the 1year is up..

anyway, after cancel, they called me back n put me with the infinite visa which can waive anual fee.. so no complaints there..

unker ar dun beg from banks

banks beg from unker ar to not cancel the card

that's how cool he is

see below:
just. how. cool. is. ar188 ?

No late payment charge.  But 13-18% interest charge

that time they said the condition why this card 1st year have to pay anual fee was the high enrich points given during that promotion period.. so i decide to use it , enrich my enrich card, then cancel before the 1year is up..

anyway, after cancel, they called me back n put me with the infinite visa which can waive anual fee.. so no complaints there..

see below:
just. how. cool. is. ar188 ?

i think lucifah and proton is cooler cos they got 50-70k stack of cash and the other got 42k bi-annual bonus cheque to show for..

diff pipu diff style. for me i hate going thru the hassle of calling to cancel the card and for them to call back one month later to beg you with another offer (waste time) if you really like your current card and design you just wait for them to charge the annual first and then call your RM and ask why got annual fees?
she sure say oh it is nothing, and the line item is removed edi.

TS will need help from AKPK very soon

HAHAHAHA

bank will only thank you for making them richer
no money, dun use cc lah

seriously

that's the most expensive advice i will give you now

not so high la interest, you think Ah Long meh?

house loan car loan ma 5% per ANNUM.

credit card interest 13-18% per annum ma

then say per annum or 1% la.

min payment without playing full?

1. allow pay min. but  CCRIS recorded, as payment paid punctually.

2. finance charges will be incurred. 
didnt pay/skip payment.

1. CCRIS recorded as few payment didnt pay punctually. affect your record, if apply loans or ...

2. finance charges will be incurred.
pay in full after 20 days +-

1. CCRIS recorded, as payment paid punctually.

2. no finance charges.

admit it. you're jealous of TS right?
so you want his arowana ventures to fail and for him to default and masuk APKP right?
so bad hearted some /k/ people

or minimum late fee still apply?