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 Fixed Deposit Rates In Malaysia V. No.8, Please Read Post#1 and #2

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BoomChaCha
post Jun 3 2015, 08:04 PM

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QUOTE(cklimm @ Jun 3 2015, 07:53 PM)
For my case, i pledged my 30k FD for a HSBC advance credit card, hopefully will get another RM150 cash back by taking their BT promotion. thumbup.gif
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Oh..? hmm.gif
How did you do it..?
Can explain step by step? notworthy.gif
BoomChaCha
post Jun 3 2015, 08:13 PM

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QUOTE(gchowyh @ Jun 3 2015, 04:28 PM)
I just got my interest due today without issues, & it is berjangka
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Gary, Thanks so much for the clarification about my issue.. notworthy.gif

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... sweat.gif

This post has been edited by BoomChaCha: Jun 3 2015, 08:14 PM
cklimm
post Jun 3 2015, 08:32 PM

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QUOTE(BoomChaCha @ Jun 3 2015, 08:04 PM)
Oh..?  hmm.gif
How did you do it..?
Can explain step by step?  notworthy.gif
*
well, i asked whether i can apply for credit card by pledging my FD,
she said OK, and told me about the promotion, below
HSBC
harmonics3
post Jun 3 2015, 08:59 PM

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QUOTE(aeiou007 @ Jun 3 2015, 04:13 PM)
» Click to show Spoiler - click again to hide... «


thanks for the information, found the term...

15.The Organiser will send an email confirming the address of the Eligible
Customers and deliver the Gifts to the Eligible Customers’ mailing address as
provided by the Eligible Customers within sixty (60) days upon its receipt of
UOBM’s confirmation of the Gift entitlement. The Gift cannot be sent to an
address outside of Malaysia, nor collected from any UOBM branch.

*
Any idea what model is the Dyson air multiplier?
sav123456
post Jun 3 2015, 09:11 PM

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QUOTE(BoomChaCha @ Jun 3 2015, 07:40 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  sweat.gif ) 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  sweat.gif , so I only lost 1 day interest...
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Thanks BoomChaCha thumbup.gif
kit2
post Jun 3 2015, 09:35 PM

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QUOTE(cklimm @ Jun 3 2015, 08:32 PM)
well, i asked whether i can apply for credit card by pledging my FD,
she said OK, and told me about the promotion, below
HSBC
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so you are going to cancel your credit card after 3 months? or your FD will be renewed using board rate...
cappuccino vs latte
post Jun 3 2015, 09:42 PM

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QUOTE(cklimm @ Jun 3 2015, 07:58 PM)
CIMB promotion getting worse,
3.9%p.a for 3 months,
4.0% for 1 yr,
minimum 50k, do remember to apply for CIMB prime if you can fork out such amount  brows.gif
cimb
*
what are the privileges we will get under CIMB prime?
QUOTE(cklimm @ Jun 3 2015, 08:32 PM)
well, i asked whether i can apply for credit card by pledging my FD,
she said OK, and told me about the promotion, below
HSBC
*
only if their credit card have no annual fee hmm.gif
lamode
post Jun 3 2015, 10:41 PM

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QUOTE(low yat 82 @ Jun 3 2015, 04:33 PM)
for ocbc

3) Fresh Deal: Tiered interest rates - First 6 month (180 Days) @ 4.00% p.a. & subsequent 6 month (180 Days) @ 4.40% p.a., min RM5k fresh fund

those this 1 need open saving / current acc wit them? or can direct open FD?
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just done it today, can direct open FD. rclxms.gif
wil-i-am
post Jun 3 2015, 11:07 PM

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QUOTE(bbgoat @ Jun 3 2015, 02:27 PM)
AmBank FD promo 4 months at 4%, 9 months 4.15%. Until end of July.  biggrin.gif
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Any promo for 12 mths?
wil-i-am
post Jun 3 2015, 11:09 PM

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Open a new FD with Affin today for RM10k @ 15 mths n was asked to open a SA for RM100
Was informed interest will b credited to SA upon maturity
low yat 82
post Jun 3 2015, 11:49 PM

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QUOTE(lamode @ Jun 3 2015, 10:41 PM)
just done it today, can direct open FD.  rclxms.gif
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thanks for d info, will hav fresh fund on this 10jun. gonna try out ocbc.



cklimm
post Jun 3 2015, 11:52 PM

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QUOTE(kit2 @ Jun 3 2015, 09:35 PM)
so you are going to cancel your credit card after 3 months? or your FD will be renewed using board rate...
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just leave it there lah, not waiting for that 30k to makan malam

cklimm
post Jun 3 2015, 11:52 PM

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QUOTE(kit2 @ Jun 3 2015, 09:35 PM)
so you are going to cancel your credit card after 3 months? or your FD will be renewed using board rate...
*
just leave it there lah, not waiting for that 30k to makan malam

BoomChaCha
post Jun 3 2015, 11:54 PM

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QUOTE(cklimm @ Jun 3 2015, 08:32 PM)
well, i asked whether i can apply for credit card by pledging my FD,
she said OK, and told me about the promotion, below
HSBC
*
Thanks for the link... notworthy.gif

Unfortunately I just withdrew my HSBC FD.. sad.gif

QUOTE(sav123456 @ Jun 3 2015, 09:11 PM)
Thanks BoomChaCha thumbup.gif
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You are welcome.. biggrin.gif

QUOTE(wil-i-am @ Jun 3 2015, 11:09 PM)
Open a new FD with Affin today for RM10k @ 15 mths n was asked to open a SA for RM100
Was informed interest will b credited to SA upon maturity
*
I did the same.. cheers.gif
I tried to ask for free gift, but the staff said no.. sad.gif 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
Attached Image

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
cklimm
post Jun 4 2015, 12:02 AM

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QUOTE(cappuccino vs latte @ Jun 3 2015, 09:42 PM)
what are the privileges we will get under CIMB prime?
Priority Queuing, relationship manager, complimentary hot drinks
BoomChaCha
post Jun 4 2015, 12:05 AM

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QUOTE(cklimm @ Jun 4 2015, 12:02 AM)
Priority Queuing, relationship manager, complimentary hot drinks
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..and also get pressure from relationship manager to buy investment products.. biggrin.gif
??!!
post Jun 4 2015, 12:09 AM

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QUOTE(bbgoat @ Jun 3 2015, 02:27 PM)
In AmBank around 11.30am. Uplift FD and do Rentas at RM4.24. But up to 2pm still fund not at CB ! So Rentas is not really immediate ??  shakehead.gif

AmBank FD promo 4 months at 4%, 9 months 4.15%. Until end of July.  biggrin.gif

Update: The Rentas fund showed up at 2.40pm, about 3hrs after the OTC transaction.  shakehead.gif So IBFT is immediate while Rentas do take "some" time ?  Or is it depending on the banks involved ? hmm.gif
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Uplifted FD from BR last Fri. Despite whatever I read here, BR refused to issue BC and insisted the only cashless way I can get my money out was via Rentas. trans done at about 11.30 am. I split the amount to Alliance Band and CIMB. No show of funds at both banks until at about 11 pm vmad.gif
Despite my frenly RM at both banks allowing me to pre sign forms for FD placement and waiting until 6 pm to effect the FD, it cannot be done until the foll Monday. Lost 3 days' interest there.

Wonder if I can lodge a complaint to BNM .. i thought the guideline says latest before 5 pm?

1 more cert maturing soon and will not step back into BR again.

This post has been edited by ??!!: Jun 4 2015, 12:11 AM
??!!
post Jun 4 2015, 12:13 AM

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CIMB prime & CIMB preferred same?
BoomChaCha
post Jun 4 2015, 12:52 AM

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QUOTE(cklimm @ Jun 3 2015, 07:58 PM)
CIMB promotion getting worse,
3.9%p.a for 3 months,
4.0% for 1 yr,
minimum 50k, do remember to apply for CIMB prime if you can fork out such amount  brows.gif
cimb
*
... hmm.gif .. I think it is better to go for long term FD now, for example Affin 4.33% for 15 months.. sweat.gif

QUOTE(bbgoat @ Jun 3 2015, 05:27 PM)
Ah Boom have problem with BR. Hehe !  tongue.gif
*
BR is always giving me a headache.... bruce.gif

This post has been edited by BoomChaCha: Jun 4 2015, 12:59 AM
kyenli
post Jun 4 2015, 01:47 AM

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But Affin's long term FD also they will reduce the rate if OPR reduce.

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