Me too.. do CIP with them (>6888) on Jan-17 which can get that 688. Thinking of calling them kepochi kepochi a bit..

Didnt even use that card.

Wow, if that is the real case, then the staff told me wrong things

If thinking of using the card for retail and pay on the same day, it's better use cash then...lol...

How if the scenario below:
1. Without any BT apply, I spend RM1000 this month, when statement out, I only pay RM50 which is minimum payment and I still owe RM950 to bank which I plan to pay next month.
But at the same time, I spend another RM300, meaning that I owe RM1250 in total, is there any 20 days interest free for the RM300?

2.
a) Applied RM10000 for BT for 12 months, without using the Card for any other purpose, put inside drawer and pay minimum amount RM500 after first statement.
Still owe bank with RM9500, the question is, will I get charge for any late payment or finance charges for the remaining unpaid RM9500?

b) With the same BT above, with RM500/month, it takes 20 months for me to payback all RM10000 BT, will I get any late payment or finance charges if I still not clear all RM10000 during the 12th/13th month? As during 12th month, I only paid RM6000 (12mths x RM500) total payment. During 13th month, I still owe bank with RM4000 in total.

Thanks.

As BEST PRACTICE, you should inform the bank when bring the card overseas. This is to avoid any embarrassment and expensive roaming calls

My situation is the apply RM10,000 BT for 12 months and lock in drawer. This is what I confirmed with CS when I signed-up the BT and they read me all the TNC.

- I can pay RM500 each month, for 11 months without any interest (ASSUMING NO OTHER SPENDING)

- Month 12 I must pay the balance i.e. RM4,500

Provided I comply with the above, I will not be charged interest.

She explained that if I make retail transactions and make minimum payments only, there WILL be charges because the retail expenditure will not enjoy the interest free period. Plus, there is a priority in which payments offset the outstanding balance. In short, to avoid complications and interest, JUST LOCK UP!

If there is no trx for d whole year, would u be able to get AF waiver for d card?

What I intend to do is this:

When my statement comes out in Month 12, I will swipe RM0.10 x 12 on the statement date, and then pay the RM5,500 + RM1.20 in one shot. That will be 12 retail transactions.

Very clever.

Or just very kiamsiap hehe

Thanks for the details explanation...

May I know how to swipe RM0.10? By online transaction? Example?

TQ

Any utility / telco provider using UOB Payonline. Examples - TNB, Astro, Digi.

By the way it's 5% on remaining balance, so it's rm500 on first month due, then followed by 475 etc.. makes quite a difference especially if amount is big.

atjm88 the above explanation is correct. Any spending after you have active BT, will not have interest free period.

Hi all...

Planning to apply hsbc card to get the lazada e voucher... can I apply online or better to go to the bank itself? Anyone tried online application and end up with issue?

Thank you.

I think you have to apply using the link and submission form given at the promo page...

HSBC-Lazada Promo: https://sp.hsbc.com.my/lazada500?utm_source...eaKsaAhkq8P8HAQ

Thanks. Just submit application but after submit send... got a thank you message only... so what happens next? Do I wait for someone from hsbc to call me up or send me email to request more information?

Terms for exclusion:

3. The following Participants are excluded from this Promotion:
a. Participants who cancel their participating card or cards within three (3) months from the data of approval of
their participating card’s or cards’ application;
b. Existing HSBC Bank/ HSBC Amanah cardholders who had their participating cards approved in the past 6-
months;

The Promotion will run from 15 February 2017 to 31 December 2017, both dates inclusive (“Promotion Period”).


My card was since Sept 2016. So does it mean if I apply another card now I can be eligible? (campaign started while I was in 6 months window).

Yes, wait for their Call or they will email you.

You can Try...

wanna ask bout the lazada rm500 voucher, have to spend rmk min within 60 days, the rm1k is cummulative amount? or must be rm1k in one single swipe?

thanks

me too doing it now. i think same as other promotion, accumulate 1000 within 60 days.