Ha Ha, leng Lui google you because she thought you were a Hong Kong movie star leh..

I did not place UOB's 13 months FD lah.. because almost all my eggs went to SCB already...
I have never used Rentas to place FD lah.... Uncle's ancient style is like this lah..

This post has been edited by BoomChaCha: May 30 2015, 04:31 PM

RHB: FD Bundle with ASNB VP Unit Trust
(1) 3 Months at 7%
(2) 6 Months at 7.8%



Are these good deals?

Good Morning, Ah Sir..

BR is abnormal today, I just checked my iRakyat account, I have not received the monthly interest..
Have you received yours..?

About less than 2 years ago, BR credited monthly interest right after mid-night like 12.05am; then they
changed to credit interest at around 7.00am...

Mine has a problem so far...
I just called BR, they said would fix it...

BR staff said they have this FD promotion:
1 year at 4.25%
25K minimum

This post has been edited by BoomChaCha: Jun 1 2015, 11:43 AM

Ah Sir, so far I still have not received my FD interest from BR...

I called BR branch again just now, the BR officer said HQ sent email to them yesterday and this email
said that all BR branches nationwide had problem to credit FD monthly interest. I suspect this officer
lied to me since you said that you had received your FD interest yesterday..

This BR officer last time made me so mad that I had to fax her a letter to remind her to credit my
monthly interest manually, remember?
I am not sure she is lazy or too busy? But I can tell she is not efficient.

Yesterday she asked for my IC number, and this morning when I called her she asked for my IC number again,
so this means that she did not do anything about my case yesterday..

At last, she promised to call HQ to rectify this problem wor..

This post has been edited by BoomChaCha: Jun 2 2015, 01:18 PM

I also received FD interest on 1st May (Product code: Mubeen) & 8th May (Product code: Berjangka).
But for the interest I was supposed to receive yesterday (1st of June, Mubeen), I did not receive.

Maybe Mubben has problem, but not for Berjangka

I know you have Berjangka, let's see if we can receive FD interest on 8th of June..

Did anybody receive this letter from Bank Rakyat?



This post has been edited by BoomChaCha: Jun 2 2015, 08:55 PM

I just withdrew my HSBC FD at 5% for 3 months tenure, and also closed Advance current account
at the same time this afternoon.

My 3 FDs with HSBC:
(1) A ----> RM 30K
(2) B ----->RM 30K
(3) A + B ----> RM 30K

My total net profit is RM 1144.17 for 3 FDs, after deduct RM 5.83 (GST included ) for HSBC's
banker's check.

I asked the HSBC staff about your question, here is the answer:
To skip paying the RM 10 management monthly fee for HSBC Advance current account, we have to
place a minimum FD deposit of RM 30K.

If place FD less than RM 30K, HSBC Advance account will charge RM 10 for each month.

And be aware that we can only withdraw the FD one day after the FD maturity date;
and FD will only be effective after the check is cleared, so we will lose at least 3 days interest.

But for my case, I brought cash to HSBC , so I only lost 1 day interest...

My 5 years FD with BR is Mubeen, BR gave me some Mubeen's buy & sell contract to sign when I placed this
5 years FD with BR couple years ago, BR did not explain anything about Mubeen at that time, and I did not
know what a Mubeen was...

No, BR never sent me any Mubeen's statement.

Anyway, I noticed that my Mubeen FD has changed to Berjangka FD in my iRakyat account yesterday.
So I guess, BR is changing back the credit interest timing back to normal based on the date we placed
FD.

Oh..?
How did you do it..?
Can explain step by step?

Gary, Thanks so much for the clarification about my issue..

That is what I thought....Berjangka should be no problem, it will credit interest
to our iRakyat accounts as usual...

I guess the issue is Mubeen, it seems BR bought back my Mubeen, and
exchanged me with Berjangka instead. So I guess BR will credit interest
to my "new" Berjangka on 16 June instead of 1st June for expired Mubeen..

Let's see...

This post has been edited by BoomChaCha: Jun 3 2015, 08:14 PM

Thanks for the link...

Unfortunately I just withdrew my HSBC FD..

You are welcome..

I did the same..
I tried to ask for free gift, but the staff said no.. What a stingy bank...

Affin FD Promo & CASA Promo, valid until 31 December 2015
(1) 13 months FD at effective rate 4.20%
(2) 15 months FD at effective rtae 4.33%
Minimum RM 10K


Alliance Bank CASA Promo to Get A Free Good Quality Umbrella
Get a free good quality umbrella if either:
(1) Deposit RM 3K to CASA and earmarked for 2 months
(2) Deposit RM 1.5K to CASA and earmarked for 4 months

This post has been edited by BoomChaCha: Jun 3 2015, 11:57 PM

..and also get pressure from relationship manager to buy investment products..

... .. I think it is better to go for long term FD now, for example Affin 4.33% for 15 months..

BR is always giving me a headache....

This post has been edited by BoomChaCha: Jun 4 2015, 12:59 AM

"Wa Ka Lu Kong".. as long the FD cert is printed with 4.33% for 15 months, this is bound by law,
you have to honor it.. Don't play play with me..

I will on their sides whoever can give me more benefits...

BR sent me the letter stated that the interest rate is lower that what they had offered me
(for example 4.2% instead of 4.3%), so maybe I will go to BR HQ to ask for their explanation.

Let's wait for Captain to come back from Australia in about 2 weeks time..

Ah Sir, I am talking about my 5 years FD.

This 5 years FD called Mubeen when I first placed this 5 years FD about 3 years ago.

Just last week, BR sent me a letter (see below attached letter) stated that BR is buying back my
old Mubeen and exchanged me with new Berjangka, (I guess that's why I have not received my interest)
but the interest rate stated on the letter for new Berjangka was lower by 0.1% if compared to old Mubeen.

So, I think maybe I have to go to BR HQ to get clarification; my BR branch officer I think is useless
and I do not think she can help me since this letter is sent by BR HQ.

I don't care how do they want to change the FD product, but the interest must be at least the same or
higher; but definitely cannot be lowered...

Another possibility is that it could be a typo error on the BR letter...



This post has been edited by BoomChaCha: Jun 6 2015, 01:49 PM

Ah Sir, my BR 5 year FD cert (Mubeen) is stated clearly that the
return of the FD is guaranteed.



This post has been edited by BoomChaCha: Jun 6 2015, 04:30 PM

Oh..our Big Magician[ always gives excellent advice that never
put money in saving plan..otherwise we will regret one day..

Even is Islamic FD, but it won't make a big difference like that.... I will go to talk to them..

This post has been edited by BoomChaCha: Jun 6 2015, 11:26 PM

Ah Goat Sir,
Affin bank allowed me to add cash together with banker's check when I placed 4.33% FD few days ago..
RHB also allows to add cash together with banker's check when want to place FD ...

You are absolutely right, Tony..
But you are talking about Affin Bank's FD promo 4.33%, not OCBC...

I think only old Mubeen will get affected..

Yours must be Berjangka. I have one Berjangka too, but I did not receive letter for it..

This post has been edited by BoomChaCha: Jun 7 2015, 11:06 AM