Mine was found better offers? I just said yes.

Should tell them others are offering me better rates. That way, they might up their rates in the future. In the end, we win.

This post has been edited by Ramjade: Sep 18 2014, 09:03 PM

Sifus, say if I got fd in bank x. But then when I want to put another fd in bank x, can I request for same account no as my previous fd cert?

Eg,
previous fd account 1234567899
new fd account 987654321
Can I ask that my new cert also follow 123456789?

As fasr as I know, hong leong does that. If you previously opened a fd account with them, your subsequent account no will be same as your first cert.

This post has been edited by Ramjade: Oct 14 2014, 08:08 PM

But for each cert they printed the account is different (affin, scb) except HLB. HLB all same no. (eg 123456789) So no, I dont have new account no with HLB.

My question is can I ask affin and scb to do the same like HLB? Print same account no on my next fd?

Cause my parents making will. And they do not want to pay lawyer anymore if place new fd (you need to pay lawyer to update the will)

So if they put new fd in say scb, scb will give them new cert with new account no. So if they update the will with the new fd, they need to pay lawyer.

That is why they want to know if they can get all same account no from the same bank. That way, no need to pay lawyer.

Want to ask, is this consider fresh funds?

Day 1 : Withdraw rm20k cash from Bank A
Day 2. Bring the rm20k to the bank A say you want to open fd.

Thanks

Want to ask, say for a bank A which required fresh funds for fd,

Day 1 : Withdraw RM20k cash from bank A.
Day 2 : Bring back the RM20k to put fd in bank A.

Does this count as fresh fund?

Cause last time my mother wanted to put FD, she did that and the bank people said cannot. Actually is not allowed.

HLB.

Well my uncle said the same thing. Got money some more don't want to take. How they know where you get RM20k?

Yeah. But the person at the counter just close one eye when my mother did that.

@Gen-X

Is it possible to use ASG/FD to apply for Maybank 2 cards? I will need them next year but I am not working yet. So no documents to proof I have money. But if can use those stuff, I can proof that I have money.

This post has been edited by Ramjade: Oct 21 2014, 06:35 PM

Gen-x sir,

You didn't reply my question yet. Although it is off topic. Can I used ASG/FD to apply for Maybank 2 Gold card? I am not working yet (studying) but I can use those cards to earn money after reading your post rather than using cash

In ASG and FD, I have >RM50k

Yeah. I would like to apply for Maybank2 Gold card but seeing that I am not working yet = no income proof

But I have my FD and ASG which shows money of >RM50k. Can that be use?

I am planning to go to Midvalley to apply for the card. Cause it will just take 1 hour.

My FD certs are all over the place except at MBB. I don't have any FD in MBB. All I have is M2U account

Captain Gen-X,
23 actually. But I have been saving since small and read your article, I feel better to use Maybank 2 card than cash. At least can earn something back.

Thought you know all about credit cards. Cause I read before on how you apply your cards without working.

I think I will try at Midvalley and see if they approve or not. If they don't approve, assume it is just window shopping.

Say I depoist RM20k, in mbb. They approve my card. Can I uplift the RM20k and put some where else? Or that FD cannot be uplifted? I have done previous online transcation for a while (2 years +) using my debit card. Can I used that to support my credit reputation?

Thank You Gen-X for your reply. Nice one. Parents. By the way, my parents don't believe in credit card like I told you in previous PM. They prefer cash. I am heartbroken they are not getting anything back.

They don't believe people will give you free money. They believe that there is a catch some where despite me telling them about your blog. "They say he rich man can apply for ccredit card. You normal people, don't need to apply for credit card." Even my whole family old school thoughts. Don't believe in credit cards except me. Ask my sister to apply for it so I can do my online purchse, She shouted at me "Think I so free to log into M2U to pay for petrol and grocessaries everyday is it?!" Besides, if they apply for the card, they need to pay GST RM150. Not worth. At least, if I apply, I just need to pay RM100. Can save RM50.

That is why I figured better to do it myself than depend on people. Lead by example. Show them that credit card can earn you some money.

Really sad they using cash.

This post has been edited by Ramjade: Oct 22 2014, 08:26 PM

For those who got eyesight problem, there is this program call Dragon Naturally Speaking. You can ask it to type your email, search for you, type word files and other stuff but I am sure it only understand American English/British English. According to the program, it will learn your language over time.

I am sure it cannot understand out Malaysian English

Want to ask, since UOB promo is 4% with min RM10k

If I put that one, after one year, if there is promo again with min RM10k say 4.2%, will my FD will be renew to that promo rate at 4.2% or will it be renew at board rate eventhough I am eligible for the promo rate?

Hi Gen-X,

My mum doesn't need fresh fund for HLB. I just asked about the fresh funds (withdraw cash and come back the next day) cause it happened 1-2 years ago.

I asking about UOB promo because maybe my sister is interested. And I am not sure whether they will auto-renew at board rate or auto-renew at promo rate upon maturity.

So it would seems that to be eligible for promo rate, I need to go to bank upon maturity and uplift it.

By the way,
How do you put a box around the person's name (like summoning the person here)?

This post has been edited by Ramjade: Oct 23 2014, 12:31 PM