QUOTE(harmonics3 @ Mar 18 2015, 03:50 PM)
I have ask the ringgitplus, Unfortunely they said no. Each customer only entitle one.Fixed Deposit Rates In Malaysia V. No.8, Please Read Post#1 and #2
Fixed Deposit Rates In Malaysia V. No.8, Please Read Post#1 and #2
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Mar 20 2015, 02:15 PM
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39 posts Joined: Nov 2008 |
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Mar 20 2015, 02:45 PM
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340 posts Joined: Jun 2011 |
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Mar 20 2015, 02:57 PM
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637 posts Joined: Jul 2012 |
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Mar 20 2015, 03:14 PM
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Junior Member
340 posts Joined: Jun 2011 |
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Mar 20 2015, 04:35 PM
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Junior Member
12 posts Joined: Mar 2015 |
Hi, I've just opened SCB FD @ 4.5% 15 months this morning..
and I was told that in order to open the fd, i would need to deposit rm1.5k, and I did.. now only saw that no need to deposit inside like that, what to do a? |
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Mar 20 2015, 04:36 PM
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Senior Member
2,337 posts Joined: Oct 2014 |
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Mar 20 2015, 04:37 PM
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Junior Member
12 posts Joined: Mar 2015 |
And i wanna ask abt the SCB+ Prudential savings plan also, basically monthly need deposit rm470, for a period of 10 years, totalling rm56k, then after tenth year, no need deposit anymore, just keep getting the "surviving benefit = interests"
is it worth it? |
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Mar 20 2015, 04:38 PM
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Junior Member
12 posts Joined: Mar 2015 |
yes, I have debit card
but the person said must have savings/current acc with them only can have the FD acc wor?? so if i withdraw then my FD acc cannot continue liao? This post has been edited by alexace11: Mar 20 2015, 04:40 PM |
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Mar 20 2015, 05:58 PM
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All Stars
26,525 posts Joined: Jan 2003 |
QUOTE(alexace11 @ Mar 20 2015, 04:35 PM) Hi, I've just opened SCB FD @ 4.5% 15 months this morning.. and I was told that in order to open the fd, i would need to deposit rm1.5k, and I did.. now only saw that no need to deposit inside like that, what to do a? QUOTE(alexace11 @ Mar 20 2015, 04:38 PM) yes, I have debit card If you want to play hard, file a complaint to Bank Negara. It would be easy for you this time as I already made a similar complaint last time. I did not deposited the RM1500 but you did so your case is worse. Fyi, I was compensated by the bank.but the person said must have savings/current acc with them only can have the FD acc wor?? so if i withdraw then my FD acc cannot continue liao? To answer your question, the Justone acc can be opened with zero deposit. This post has been edited by Human Nature: Mar 20 2015, 06:02 PM |
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Mar 20 2015, 06:07 PM
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Junior Member
12 posts Joined: Mar 2015 |
I see, so I can just withdraw all the money out but the savings acc will still be active rite?
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Mar 20 2015, 06:09 PM
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Junior Member
12 posts Joined: Mar 2015 |
and PRUhorizon (SCB savings plan) is it worth it?
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Mar 20 2015, 06:14 PM
Show posts by this member only | IPv6 | Post
#1312
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All Stars
26,525 posts Joined: Jan 2003 |
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Mar 20 2015, 06:19 PM
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Junior Member
12 posts Joined: Mar 2015 |
ok, thanks ya Human Nature
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Mar 20 2015, 06:27 PM
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Senior Member
2,337 posts Joined: Oct 2014 |
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Mar 20 2015, 06:27 PM
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Senior Member
2,490 posts Joined: Sep 2011 |
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Mar 20 2015, 07:41 PM
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Senior Member
6,614 posts Joined: Mar 2011 |
QUOTE(BoomChaCha @ Mar 20 2015, 10:36 AM) Ah Goat Sir, Haha, Ah Boom Ah Sir ! I have nobody to call since my previous RM left SCB last year December. But anyway, the service level of SCB RM (the same as OCBC) is based on if we buy any investment products from them or not; in other words, we will get good service from RM if we buy investment products; otherwise, no service... For example like SCB's Bonus Saving promo, this promo is quite attractive to me but the T&C are very very confusing, and only RM can explain the T&C. So for my case, I have to study the T&C by myself. About to fix no interest issue, I called to SCB help line yesterday, the leng chai asked me to talk to branch.. I have the shortie branch manager mobile phone number, but he never pick-up calls. So, it seems I have to visit the branch which is far away from my place.. I did a google search for SCB retrenchment, and accidentally found this on lowyat: Start of recession?, Standard chartered Malaysia retrenching https://forum.lowyat.net/topic/3463284/all Though SCB is offering the best rate of 15 mth 4.5%, I did have some portion of my eggs there. But still need to be careful and have spread some eggs to OCBC and elsewhere. One leng lui who used to serve me before I join their PB seemed to be gone. She has been asking me to give her 10 points when someone called asking about her service. Then few weeks ago their CSR did call and I gave her 10 points. But it looks to me she is no longer with SCB any more. I believe SCB is still strong. This interest crediting issue hopefully they can get it settled soon. |
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Mar 20 2015, 11:22 PM
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Junior Member
12 posts Joined: Mar 2015 |
okok, sorry for that ya
Oh, the PRUhorizon, actually I know how it works, but not sure whether I should or not, but after contemplating for some while, I've decided not to take up that plan since it will take too long time (around 11 yrs + to get back only the capital) |
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Mar 21 2015, 01:10 AM
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Senior Member
860 posts Joined: Jan 2003 From: Petaling Jaya |
QUOTE(BoomChaCha @ Mar 20 2015, 09:13 AM) Better use SCB online banking to check your money and interest... It is shocking but the level of quality here is so bad it becomes 'acceptable', some shocking experiences i encountered:Our SCB FDs that not receiving interest are 4.25% for 15 months. Thank you for checking Thanks for the update.... It is unbelievable and quite bad for a bank to have mistake like this; SCB should compensate for our loss of daily interest... 1. My terminated broadband with Digi suddenly starts charging me again. 2. When I was at Digi centre, a corporate client complained of so much dubious billing until the lines got suspended! 3. Ambank double charge me on some transactions amounting to RM1000+ 4. Bank Rakyat did not credit my monthly FD interest All this was due to system problems & they don't even bother to pre-inform the customers or be terribly sorry or provide some compensation. So in summary we always need to be vigilant & check (not sure if such things ever happen in other countries) |
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Mar 21 2015, 01:19 AM
Show posts by this member only | IPv6 | Post
#1319
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Staff
25,802 posts Joined: Jan 2003 From: Penang |
QUOTE(gchowyh @ Mar 21 2015, 01:10 AM) All this was due to system problems & they don't even bother to pre-inform the customers or be terribly sorry or provide some compensation. There is a reason, why some banks/company are more reputable than another due to the service quality and why they have large base on loyal customer/depositor.So in summary we always need to be vigilant & check (not sure if such things ever happen in other countries) |
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Mar 21 2015, 02:12 AM
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Junior Member
222 posts Joined: Feb 2013 |
Hi new to FD , is there any calculation as to whether the interest rate is worth ? sorry i read the first page and still abit confused.
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