HLB really had no taste of privileged at all.. lolz

The most memorable one for me is the Swiss watch from CB. Next the gold plated plaque from UOB. CB also used to send gift for birthdays (tea packs, vouchers etc) but have stopped the practice years ago. Could be due to some directives from BNM also economic conditions.

This post has been edited by bbgoat: Nov 3 2015, 07:51 AM

Yes, it is a clock with balloon around, with "花开富贵 (flower-blossom-prosper-rity)" on the dial plate. that bank gave it to my relative years ago, and she passed it to me without 2nd thought.

Called OCBC PB line to enquire about their FD rate. My RM is away so have to call OCBC PB centre. They asked for my name to verify that I am a PB member before giving me the rate, instructions from above. Yesterday in UOB PB centre people just call in and the lady just gave them the promo rate without asking for PB membership confirmation ! Waste of their (OCBC) time and mine.

Anyway OCBC rate still as reported earlier 13 mth 4.2%, though their rival UOB has up'ed the game to 12 mth 4.25%.

Not to mention CIMB 4.3% to 4.35%.

This post has been edited by bbgoat: Nov 3 2015, 09:19 AM

Must be ugly so she gave it to you without a thought.

indirectly you are getting something from the kiam shiak bank as you put it before.

what is affin bank sa gives now? last time was high?

Now and last time also not worth it. Need large amount to get high interest. It doesn't get my seal of approval.

Affin Bank BSA

This post has been edited by Ramjade: Nov 3 2015, 09:49 AM

Most of the time, I just pick the one more convenient for me to get to. Not necessarily the highest.

Any idea when is the next BNM meeting date? Any adjustments to interest rates expected?

Thanks.

wah they give a clock as gift ? dont they know its pantang to some chinese

i think ur relative give u with no thoughts at all.

uh huh in cantonese to give a clock is "sung choong" which is also the same pronunciation for one of the last "sending off" rites during taoist funeral. can give wrist watch but never a clock ... for cantonese lah

Not birthday ok one la.

... veli-true ... ... HL? Sound veli cina bank as well ... not being racist here but their pr or marketing dept should at least be better in knowledge in developing type of "gifts" for customer ...

OK, another FD musical chair today.

In HL to uplift FD. Per BC is RM0.70 for PB member (normal customer RM6). They thought I am coming back to place as fresh fund and said no need to do that. But I told them moving to CIMB for 4.35% vs HL 4.2%. But their current promotion is Islamic FD and for HL FD effective date is 2 days later. I kena that last year !

Went over to CIMB to place another 4.35% FD, already called RM to get approval before I went. So actually it has both conventional and Islamic. Since yesterday I placed for conventional today asked them to go for Islamic (for PIDM protection, hehe ).

Actually there is monthly interest for this FD. Yesterday did not know that. Later after some confusion on CIMB part, the conventional no monthly interest. If I want to cancel, will lose 2 days interest for the BC to clear. Anyway, stayput. So the Islamic one has monthly interest.

NO flyer for this one !!!

Officially CIMB only has 2 FD promotion:

1. Min 100k, 3 month FD, but monthly 3.7% annual interest (in case somebody ask monthy 3.7% ) but looks like it is monthly cycle 3 times, so 3 mth FD

2. For PB members only, 6 mth FD, 4% interest but 2 cycles of 3 mth, min 1k only !

So the 4.2, 4.3 or 4,35% one has to ask to get it !! No official flyer on it !!

Correction to my post yesterday, the unfixed FD can terminate on 1k portions, not 10k portions.

Thanks to @familyfirst and rich @poor man ( ) that I came to know about this. Initially was sceptical even when they showed the fd slip.

Attaching the CIMB FD slip which some may say not genuine, but it is just a portion of it hiding other details of the FD:

This post has been edited by bbgoat: Nov 3 2015, 02:18 PM


Attached thumbnail(s)

Looks like my next stop will be either cimb 4.35 1 year or ambank 4.25 6mths

go for it! let us know if you break the record! got it?

This post has been edited by yygo: Nov 3 2015, 02:29 PM

We have to help ourselves to increase the interest rate. Tunggu BNM susah lo. Congrats.

Thats why it benefits all to share the info. Like UOB now 4.25% vs OCBC 4.2% and CIMB 4.3/4.35%, this will put pressure on the banks to increase their rates.

Cimb made it official:

3 months-4.10% p.a.
6 months-4.20% p.a.
12 months-4.30% p.a.



minimum 10k