... thanks in advance and
for the weekend to everyone ...Fixed Deposit Rates In Malaysia V. No.8, Please Read Post#1 and #2
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 May 10 2015, 03:41 PM
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#1
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Junior Member
160 posts Joined: Mar 2012  
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... wondering anyone here are with Citibank account holder, and know anything more in details about Citibank 7.88% (term deposit + fund) promotion ...
... thanks in advance and for the weekend to everyone ... |
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May 15 2015, 10:19 PM
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#2
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Junior Member
160 posts Joined: Mar 2012
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... the OPR tingy effect only those taking up "promotional-fix-deposit" packages and not those on the "board-fix-deposit" ... if you notice the print out for roll over is always on the "first-period-of-month" promised ... they never print the "roll-over-period-of-month" promised (or advertise) on the cert - it's just in case the OPR change before the "roll-over-period-of-month" promised (or advertise) ... too bad lah ... I got one of my cert printed that way ... kind of feel cheated in a way by "kind-of-false-advertising" ... the devil is always in the details ...
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May 24 2015, 09:12 AM
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#3
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Junior Member
160 posts Joined: Mar 2012
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... the cert is just a sort of verification or reminder, you will still require to produce your readable chip "mycard" to close your fix deposit. I think the cert and "mycard", with your authenticated signature verification is needed upon closing or withdrawing a deposit; but its still best to replace the lost cert because its pointless to have any complication when the time comes to close or withdraw your fix-deposit account. The account holder is also needed to be personally present with a readable "mycard" to replace a cert. No representative is allowed unless is a joint account. Readable "mycard" is the only way to have any official standing with any banks these days ...
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Jun 3 2015, 12:29 AM
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#4
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Junior Member
160 posts Joined: Mar 2012
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QUOTE(BoomChaCha @ Jun 2 2015, 05:49 PM) I also received FD interest on 1st May (Product code: Mubeen) & 8th May (Product code: Berjangka). ... from what I understand Mubben is different from Berjanka. Mubben is sort of an Islamic Investment Deposit Account with a Timeline, and any Investment sort of Instrument does come with some level of risk. Berjangka is the normal Fix Deposit account. All are base on the Islamic principal. How did you end up opening this Mubben account? Like all sort of like Unit Trust or ASN Investment tools, they will need to send you a statement of how well or poorly your investment have done yearly. It is only my personal understanding, and I stand to be corrected ... 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..  ... |
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Jun 4 2015, 11:59 AM
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#5
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Junior Member
160 posts Joined: Mar 2012
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QUOTE(yao_mou_gao_cho @ Jun 4 2015, 10:45 AM) I believe the terms 'subject to OPR" is referring to the promotional rate. Since the promotion period is long (until 31 Dec 2015), there might be changes of OPR in between. Lets say the OPR reduced by 0.25% on July 2015, those who place the deposit after the changes will get the effective rate of 4.08%. ... yup, this what I personally thought so; especially on those roll over promotional technique ...But those who place the deposit before the OPR reduction will still get 4.33%. Correct me if I am wrong.  |
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