Jan 23 2015, 09:28 PM
QUOTE(??!! @ Jan 23 2015, 11:29 AM)
The $*@! CS guy at SC call centre ought to be sacked...give wrong info. This is the issue with CS staff who give wrong info.
Aiyah...anyway, no loss for me, I got the same rate altho for 12 months at CIMB.
I sure no have RM1M
I was a preferred customer at CIMB but due to musical chair game had shifted funds and officially not a preferred customer.
* But the staff so familiar with my face, see me, oto give me Q no for preferred customer..I suspect they din know I no longer preferred customer
*
Actually , was on the way to OCBC when the RM called. I said, Can u beat OCBC's 4.2%? Then she said ok - 4.25%; their new promo rate. She din say if it's for preferred customer or need certain amount. Now I am "preferred" again. My experience with some banks is that depending on their position, some of their TnC can be varied.
Ha,ha... Same here! Lost our Preferred status because of Musical Chair Game but still have their Free-Parking sticker which we used today Aiyah...anyway, no loss for me, I got the same rate altho for 12 months at CIMB.
I sure no have RM1M
I was a preferred customer at CIMB but due to musical chair game had shifted funds and officially not a preferred customer.
* But the staff so familiar with my face, see me, oto give me Q no for preferred customer..I suspect they din know I no longer preferred customer
*Actually , was on the way to OCBC when the RM called. I said, Can u beat OCBC's 4.2%? Then she said ok - 4.25%; their new promo rate. She din say if it's for preferred customer or need certain amount. Now I am "preferred" again. My experience with some banks is that depending on their position, some of their TnC can be varied.
Thought it was ok to do so since going to place FD with them again. Our RM very happy to have us back but she still did not give the 4.05% ( as reported by you) for three months term. Instead, she offered 3.9% under Islamic FD. Have I seen your post earlier I would have insisted she get approval from HQ for the higher rate despite not having one million ringgit. But she did offer the 4.25% for 12 months.Ya, was told that these rates are by invitation only as CIMB has more than enough deposits. They are using this promo to retain and/or lure back their Preferred customers so that they can have a captured market for their other investment products.
Anyway, thanks to your tip-off we were able to 'gate-crash'
Thanks also to all the others who have provided invaluable info in this forum on the best FD rates. 
This forum is sort of a cheat sheet on how to win the FD Musical Chair Game. Goodluck to all!
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It is a conventional FD. Need to open JustOne acct (I used my old JustOne acct). No need to put RM1500 in JustOne. As mentioned last year, placing of RM1500 is to enjoy certain benefits of JustOne. JustOne can have ZERO sum there just for depositing of interest.
The future RM told me if I need to place some more FD for the 4.5% rate, call him 2 days before hand so he can get KL approval for me. Well, this time is a leng chai. Ha ha !
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