Guys, i see "Retail Interest Rate=18%" in my statement. Is that just a reminder or a notice?

yes, there's no amount to it.

just to tell you your current interest rate tier.

I see. Thanks

That's the beauty of Maybank TreatsPoints.

Quick question. How do I use the treatpoints for waiving annual service tax? Can provide link or give some guide to me?


This post has been edited by KingofHeroes: Dec 30 2014, 09:35 AM

Just call the CS and they will do for you.
However if the due date is coming up soon, suggest you to make the payment first to avoid any late payment charges. They can still credit back the money to you.

Oh,cause I thought can go to the treatpoint website and redeem from there.But they said have to processed first and request for mailing address also....

u can use this link to make online redemption

https://www.maybankard.net.my/

It takes around 2-3 business day to process.

After 2012 BNM new rules, I hardly see bank offer CL increase to customers.

to easy cash out......get HLB CC

use HLB CC cash out, after that use Maybank 0% BT 12 months

Nope, use TP to redeem AeonBig's rm105 gift card. You got rm5 extra or rm10(if you use on 28th) instead of rm100.
So my way is pay the GST by cash and TP for AeonBig's gift card.

Cash out no need to pay fees?

Sure need to pay fee. Sometime they will call u to offer lower rate.

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My offer lowest was 6%, they just keep on calling me. But then now I'm the one that lending money out, so I won't take such offer.

For my GST redemption, I have been calling CS all these years.
I find it easy and simple.

This post has been edited by fruitie: Dec 30 2014, 10:46 AM

fee ～ IBG RM2.......plus 6.99% PA interest
U can cash out from HLB and then use Maybank BT 95% of the cash out amount, dun settle immediately the cash out (if you want to avoid early cancellation penalty fee RM70). However if you feel that the early cancellation penalty is lower than the total amount of interest (6.99% PA) for next six month repayment, u can proceed.

Yup is the fastest, that's before I know on AeonBig's rm105 gift card.

That's 7% liao
And the effective interest are higher, right?

6.99%, reducing balance calculation.

example.

you call HLB to cash out 20K, total charge appear into account 20,002.00

once you see this cash out account number appear into your online account, apply Maybank balance transfer 19500 (monthly repayment 1625 x 12 months). Balance 502 at HLB account, u repayment progressively in 6 months.

Roughly calculation
1st month statement, 502+(502 interest = RM3-4), repayment 50
2nd month.....


6th month, settle it......total fee and interest will be less than RM30


At the same time, repay Maybank 1625 punctually to avoid any interest charge.

U can read the BT thread how to cash out

I see, but I sill prefer 0 debt

some ppl like to use this matter to get money.......interest rate less than business loan interest rate (short term).

debt free is great!