Leng Lui..? I do not think so.
She is married, small size and skinny, not tall, her age is around 32 or 33 I think.
Big xxxxxt? I do not think so lah..
Maybe you are talking somebody else..?

This afternoon, I called to Sri Petaling branch:

Me: May I talk to the branch manager?

Am Leng Lui: what is regarding?

Me: I want to complain a staff from your branch

Am leng Lui: Oh..what happened? Who do you want to complain?

Me: Are you the branch manager?

Am Leng Lui: No, I am not..

Me: Then why you want to know? Can you help about this matter?
Never mind lah, I let you know what happened, I want to complain to a RM who is
also in charge in Sri Petaling branch , you should know who she is. Last time I came to
open FD account, I was not allowed to put a chop or cross on my photostat IC,
Then the RM said if I worry this and worry that, I should keep my money at home, some more
she mentioned it twice. I think she had the intention to irritate me..

Am Leng Lui: Oh..Then I think you'd better talk to the branch manager first before you complain.

Me: Please pass the line

Am Leng Lui: Can I have the branch Manger to call you back?

Me: Ha..? Why? What is your name? I want to talk to him, now..!!

Am Leng Lui: Ok, hold on..

Branch manager: hello

Me: I want to complain your RM... (bla bla..)

Branch manager: Oh, I am very sorry about this, what is your IC?

Me: My IC is.....

Branch manager: But the RMs do not report to me, they report to the Central manager

Me: I will submit my complaint letter to customercare@ambankgroup.com and serviceresolution@ambankgroup.com, may I cc you a copy? May I have your email address please?

Branch manager: Yes, this is my email address. Mr. Boom, your FD will mature next week..

Me:I will withdraw it in another branch and I will not come to your branch anymore

Branch manager: Mr. Boom, I can assign another officer to help you for your banking matter.
Please give our branch a chance..

Me: As long as the RM is there, I will not visit your branch anymore. Thank you for your time

This post has been edited by BoomChaCha: Feb 26 2015, 09:52 PM

Treated you at a restaurant..?
Really cannot underestimate Gary Chow..

Yes, I will send complaint email to HQ during this weekend..

Got, Sri Petaling branch got at least one RM.
There is no Leng Lui in Sri Petaling branch lah..
Ha..? She came to your house to deliver ang paos..?

This post has been edited by BoomChaCha: Feb 27 2015, 09:22 PM

Yes, Ah Sir, I will complain to customercare@ambankgroup.com

By the way, I just called UOB help-line, UOB has extended the FD promo until 6th March 2015:
(1) 3 Months at 3.95% (was 3.90%)
(2) 6 Months at 4.00%
(3) 12 Months at 4.2%

Min fresh fund RM 10K, max RM 5 million

You mean SCB 9 Months FD is 4.28% now?

So far, I see the only benefit to join SCB priority banking is to take advantage of the
priority saving account promo.

My SCB 4.00% priority saving account 6 months promo was ended yesterday.
So I have to withdraw all money and put it in some where else, maybe I will put in
HSBC 5% for 3 months..?

You mean leng lui said the 4.28% is for priority saving account promo..?
I do not have any info, I just heard about it from you.
I am interested if this 4.28% is available..

You are welcome Ah Goat Sir
I think it is better to put some money in short term first like 3 months.
I do not like to open many FD accounts in many banks. Yes, UOB is another option.

The benefit of SCB priority saving account promo is merely the 4% high interest rate versus 2.8% in my Affin saving account.

I want to see the terms and conditions first; otherwise I am afraid I will mislead you.

I just called to SCB hotline at 1-300 888 888.

The agent said to participate this 4.28% promo, we have to maintain at least
RM 20k in current account, this RM 20K will be paid 2.8%; whereas the balance in
saving account will be paid 2%.

I think her explanation is quite confusing because any money in
SCB current account got no interest...

This priority saving runs from 1 Feb 2015 until 30 April 2015.

What is OCBC FD Ang Pow Contest?
You go to OCBC to place FD tomorrow..?

I found the terms & conditions:
https://www.sc.com/my/campaign/priority-cli...ings/index.html

I brought cash to HSBC to open the 5% for 3 months FD so
that my FD can effective today. But this Islamic FD can only be
withdrawn one day after the maturity day.

I put RM 5.00 to open the current account. HSBC Leng Chai promised
to give me one umbrella once the stock is available.

This post has been edited by BoomChaCha: Mar 2 2015, 08:58 PM

Ah Goat Sir, SCB Leng Lui said that SCB Islamic FD no need 2 days to clear the check,
the Islamic FD can be effective on the same day once we submit the check, but I only trust
her 50%...

About the SCB 4.28% bonus saving, I think I have to give up.
The terms and conditions are very confusing.

When I called to SCB help-line twice, 2 agents told me the different things.

As you know, I have no RM to call.
When I called the SCB shorty branch manager, he is not picking-up my calls or
reply my calls.

When I tried to get information from a Leng Lui RM, she diverted me to talk about investment
products...

RHB FD Promo, valid until 31 March 2015
(1) 6 Months at 3.90%
(2) 12 Months at 4.00%
Min RM 10K

Wah...Some more PB this time..
Good Luck for you to win all 8 Angpow: 8 x RM 888 = RM 7104.00
By the way, any leng lui in OCBC Penang?

Thank you for your info.
The previous 4% bonus saving promo is better than this one.
RM 20K in CA got no interest; unless if can put big amount to SA.

Are you participating this SCB 4.28% bonus saving?

This is good for you, at least you got one more "massage palace" to go..
I think OCBC is using leng lui & leng chai strategy to attract customers..

Ok... Thank You

Ah Goat Sir, this SCB's conventional 15 months FD does not pay every 6 months interest just like
the previous 4.25% for 15 months, right?

It pays interest upon maturity, means 15 months later?

This is Islamic FD.
I did it last week.
Each FD account requires min RM 5.00 to open one current account.
Now HSBC is giving one umbrella for opening each FD account.

Maximum of this FD is RM 30K, min is RM 5K.
But you can get your relatives to joint name with you to open more FD accounts.
For example:
(1) You place RM 30K under your single name - 1st account
(2) You place RM 30K under your wife single name - 2nd account
(3) You place RM 30K under you and joint name with your wife - 3rd account
Total RM 90K to enjoy 5% (Effective rate is about 4.8% after deducting/loosing 3 days interest)
And you will get 3 umbrellas.

2 negative things you need to know:
(1) Effective date of the FD will effective only after your check is cleared, so we will lose at least 2 or 3 days interest. But I brought cash so I could get my FD cert effective on the same day.

(2) We can only withdraw the next day of the FD maturity date, so we will lose one more day interest.

In overall, I think this is a good deal for 3 months FD.

This post has been edited by BoomChaCha: Mar 7 2015, 12:11 PM

Ah Goat Sir already explained this on his Post #1045

Ah Goat Sir, Thank you so much for the clarification.

Last week when I placed this SCB 4.25% FD, I asked the Leng Lui about the detail of Bonus Saving 4.28%, Leng lui said only RM knew the details.

So, if I want to know how does this 4.28% work, I will need to see the RM
I do not want to see any RM anymore because they will push me for the investment products
I think SCB is purposely set up this so that this can create the opportunity for RM to sell their
investment products.

Anybody knows how does this SCB Bonus Saving 4.28% work?

Let's take HSBC effective 4.8% instead of 5%:

RM 30k's return at 4.8% for 3 months is RM 360

versus RM 30K's return at 4% for 3 months is RM 300

Extra RM 60 for each RM 30K, and some more one free HSBC umbrella, but while stock last

Ya loh, this FD is only small extra bonus

Yes, you have to open a current account for each Fd account.
Yes, min is to keep RM 5 in current account.

The HSBC clerk did not mention anything about HSBC advance wor...
He said this Islamic CA has created last year but no customer to open this account, now HSBC offers this 5% just to get more customers to open this CA

This post has been edited by BoomChaCha: Mar 7 2015, 02:08 PM

The HSBC Leng Chai clerk said can, can close the CA together with FD in 3 months later.
Everything looks straight forward to me..

5% rate for only 3 months with max RM 30K, I guess HSBC cannot ask for much from
depositor with this small bonus, right?

This post has been edited by BoomChaCha: Mar 7 2015, 03:46 PM

If you want, you can also do like what I did ma..
Actually you can do more (I mean HSBC FDs), since you have many lovers around you..

In fact, I was thinking maybe I was supposed to put in SCB 4.5% for 15 months instead..
But this is already done, no return ticket, so just let it be..

This post has been edited by BoomChaCha: Mar 7 2015, 03:55 PM