Anyone know if CIMB has extended their Unfixed FD ?

UOB has stopped their 4.25% promo.

Looking for new promo. Considering PBB (but rate could change). Will decide by tomorrow. 

Oh, Top Cat. Did he mention what gift ? 

Thank you Thank you!

My version is different, I was told only placement option 2 gets interest every 6 months but I don't trust her also so I have followed Human Nature's steps to ask the customer service last night. On the web site it says I would get a response on the next business day but only today I got the SMS saying 2 working days.

Their system is so cacat, yesterday, there was a customer asking to print statement. The front desk said need to pay RM 10 for it & customer agreed, then front desk said, don't know why the print function not working    but she still ask her to queue up & wait for the manuallly written number.
I think Penang SCB PB maybe better, I got nothing.

Called my leng lui OCBC RM. The 4.2% FD promo ended. They now have 6 mth FD of 3.85% and 12 mth FD of 4.05%.

Aiya  , was thinking if it is 12 mth 4.2% then good excuse to go and see the leng lui RM to place FD tomorrow. 

The leng lui RM knows that also. So I don't have excuse to go and see her. Best looking RM that I have met.  OCBC do have lots of leng lui as you said before !   

Yes, 23 Sep 2014.
Surprisingly the customer service just called me earlier. She said their internal form which is not stated anywhere in the FD cert, has the option to specify if the interest should be credited every 6 months or only upon maturity.
So she said will investigate & get back to me.
Let us see how many more stories they have before I go to BNM

I am now wondering if my leng lui RM will ever want to see me again, lol!

So, now I can consider RHB also. Before this was thinking of PBB but the possibility of lowering OPR and FD rate is a bit of concern. Need to get rid of the cash at hand !! 
D O M ! Cannot be lah, nanti kena censored in OCBC PB centre ! But really sui !   

As to the SCB interest issue, I don't intend to pursue it. Got 3 FD cert's interest (big amt) and missed out on 19/3 interest, smaller amt (1k+). So just see how it develops. 

wow, what gift?

Yes, no interest one 19/9/2014, same date as you. Then 25/9 & 1/10/2014 got interests. 

Hehe, say say only. Enough trouble with opposite sex. Look see, look see only. Eye see only eyetertainment !   

I think likely NOT 19/9 as cut off date, more like closer to 25/9. @Human Nature has FD around 25/9, I think. So could be 24/9 or even 25/9 as cut off date. 

I have Alliance Bank platinum card which pays back 1.5% on the amt we spend. Captain Gen-X can verify that.

But Alliance Bank location a bit way off for me, has FD account there which has not been used for few years.

i put mine on 8.10.2014 for that 4.25%, all my 4 certs are option 2.

Reading here you guys had to complain only can get, i also sent out an email. And true enuff,
CS called back to inform int  will only be paid at maturity 18 months!

Realllly disappointed with this so called branded bank, 1st time put FD with them.
Already told them from day 1 i want 6 monthly int. Now they said, i must go back and sign a form,
then only can get 6 monthly??

I think SCB did this on purpose. a real cilakak bank. trying to hold back people's money. mine may be only rm8+k,
but if SCB managed to 'cheat' us all, in the millions i think it will add up.

Debit card as I do not want to pay RM50 per year. Hehe.

I have enough eggs in SCB and bit of disappointed with them. 

But his FD is NOT due yet. So he may still receive it on 8/4.

I was thinking whether also first time for SCB to offer this 15 mths FD. But no excuse as the IT guys should have set the system right. 

Btw, I saw your recent update on a person called Gary, do you mean me?

Today just got another call from customer service, this time she acted dumb & said I got my interest already today.
But that is for another FD which was placed on 2 Oct 14.

So she said will revert in the next 30 mins, let's see.

Conclusion, between 19-23 Sep 14, SCB system may have been down so no interest 

You must insist, the interest paid every 6 months is for ANY FD longer than 12 months.
My useless RM so adamant, that's why I turned to Customer Service. Customer Service also say maybe upon maturity only I said please check & confirm.

I think SCB RM and CS may not have the clear picture, depending on who we talk to. But I am quite sure that they have fixed the system so any FD from now on (15/18 mth FD) will get the interest. I got mine on 25/3 and 1/4. The 19/3 one about 1k+ interest, decided to let it go in view of so much confusion in SCB. The RM said will get back to me, anyway will just ignore it. Use my energy on something else. 

Oh ya, Ah Boom, forgot to mention that for RHB FD promo, not monthly interest but per the step up maturity, then FD interest will be paid out. That is 3mth, 6th mth etc. RHB officer confirmed on this. 

haha, nice name, wouldn't mind having it

Funny thing, my case is different. I keep getting routed back to my RM! Apparently the customer service called her up & scolded her saying how can she not check the docs on the spot, keep the customer waiting for so many days etc etc..
That was why she sounded quite pissed off when she asked me why I did not wait for her answer    But I did not have the chance to say
"Actually you closed my case that day by saying option 3 = interest credited upon maturity"

Anyway, now another story, she said 15 months FD only get interest after 1 year but I said mine is 18 months & see I got interest for my other FD today with the same option! Similar to the other day, she said her colleague may have put in the option to get interest after 1 year & very difficult to change (not sure to believe or not). So she asked me if worst case, would I accept it? So I said, what choice do I have?

Customer service told me there has been quite a lot of VSS from this Uptown branch & they too can't do much investigation as the documents are at the branch level. Maybe that is why the staff morale is so low, they are so desperate to sell unit trust & I think my RM has already been changed once in less than 6 months.

OCBC Start Saving Deal Promotion
1 April - 31 July 2015

Double Savings Deal: 4.30% p.a. for 3 months FD + equal amount in CASA (earmarked 3 months), min RM5k fresh fund

T&Cs http://www.ocbc.com.my/assets/pdf/Accounts...eal_general.pdf

Ah Boom Ah Sir,

I liked RHB in terms of the interest crediting, like BR, UOB etc. Several FD that I placed with them have been receiving interest every 3 mths for last year FD promo. Just like BR (but you have some issues with BR). 

Also good relationship with RHB BM. Sending CNY cards, SMS on offers etc. 

BoomChaCha and bbgoat
I checked yesterday while updating my Fixed Deposit Page at my blog, OCBC website stated Fresh Fund Deal Effective 1st April:

6 Months - 3.8%
12 Months - 4%

Can refer link cybpsych provided above to OCBC website for T&C.

To ALL:

HLB Live Chat pretty cool, can ask them what FD promo they have. Was told none. Then asked about Islamic which BoomChaCha reported they have extended. And then only was informed they have 4% for 6 Months TD-i only, i.e. no more 12 or 13 months promo.

Whatever it is, is SCB's fault. I remember when I started going to SCB again around Sep 2014 after about a year,  I almost didn't recognise anyone in the normal banking hall.

I can see everyone's instant move away from SCB now though the nearest promo is 0.29% (RHB 4.21%) difference which is quite a lot.

Ah Boom Sir, I said interest crediting. For UOB, the 13 mth FD credit interest on the 6th month. Received it on 1/4 for 13 mth 4% FD placed on 1/10/2014.

So UOB at least do not have the same issue as SCB. 

Ah Boom Ah Sir, I found that once we go into RHB's step-up, difficult to get out as their initial few step-up rates are low. So for us to terminate it, unless we need the cash, difficult to find a high enough FD rate to turn to. Especially the latest one, they lure you to stay on until 12 mth ! Very smart of RHB !

Just like we got suck into a quicksand, cannot get out as time goes by ! Ha ha. 

Luckily I did not go for the SCB Promo, else I will be pissed off big time. Service bad is one thing and maybe expected as SCB has many customers. But being conned (like being lied about needing to open Just One Account) and "cheated" (interest not paid) is another thing. For those who have several hundred thousands to deposit PLUS got the time to go waste at SCB to get things sorted out, maybe the extra 0.25% is worthwhile and get some thrill in the same time. But for most people, the last thing they expect is that the bank to con them and can't give them a straight forward answer.

Bro, your case is the worst, besides not getting the interest, your RM refused to answer and return your calls. And when you complain to CS, she calls you immediately and turn the entire episode in such a way that it's not her fault but you cannot wait for an answer, hahahaha. This RM of yours one day sure will be appointed as a Director of SCB with her excellent Tai Chi skills
Where can compare SCB to UOB. UOB is a class above.

UOB service is the best. Freshly brewed coffee and biscuits served by tea-lady and bought to you wherever you are. As some of you are aware, my daily attire is like a VCD seller, wear t-shirt with jeans with sling bag and slippers. Last week while I was about to enter my UOB branch, the security guard actually opened the door for me to enter! I tell you, it's not part of his scope of works that's for sure and it was the first time I saw him.

The moment I walk into the UOB PB centre, someone is sure to ask me how they can be of assistance. SCB, you enter the PB Centre, stand there 1 hour also nobody cares, hahaha.

SCB, you got RM1M to deposit and ask them for special rate (when there is no promo) also not bothered to entertain you.

Being a "Singapore" Bank, UOB is kiasu to the max and as such everything is well planned and executed to the dot. The moment you place a FD with UOB, their system immediately works out when and how much interest is due to you. If you got many FD with them, ask them to print all your FD details, and you will get a statement showing all your FDs with the relevant information, i.e. tenure, interest rate, maturity date (public holiday, Saturdays and Sundays all taken into account) and the amount of interest to be paid.

And I tell you, UOB's communication between their RMs and HQ (Bosses) is really fast. You request for something, within less than an hour sure you get a response - yes, no or counter offer by HQ (well at least from my experience).

Yeah, I have RHB step-up locked in, last one on 1/1/2016 !!

Quote:
"Unless if need cash urgently for heart bypass operation then can withdraw the RHB FD immediately."

Add:
unless need urgent cash to layan C. D. who threaten to depart ...... 

Aiya, no more VCD seller, DVD seller lah !

But Captain is the opposite of those people who pretend, pretend. Ever heard of super rich people pretending to dress up poorly ?

Poor people pretend to be rich, rich one opposite lah ! 

Guess our worst case is to report to BNM since there are so many stories from SCB staff.

SCB 4.5% FD still available? See at post 2 stating until 30 April 2015. But SCB website show until 31 March 2015 only