yup can't agree more.

do you have an account with them? which account you opened?

They give me dua sikat pisang...
One left, one right

Like this understand kua ?? Haha :haha:

This post has been edited by Bonescythe: Oct 24 2015, 07:48 PM

it simply means nothing was given

Hybrid acc.. no book got card

Took their alliance personal offer for now..

The most ridiculous e-fd is from pbb.. it is not "e" at all. U only use online to place an instruction, and u need to go branch to collect the physical cert.. zzzz

Maybe they look down on me.. wear slippers..

It's worth it, the debit card enjoy 2% cash back for PB account or 1.5% for premium account ( need 40k initial deposit ).
Cash back limit is up to RM90 per calendar month for premium account for all retail chargers except government transactions.
I recommend go for premium account with 40k 9mths 4.15% FD.

the account to be opened is Alliance Hybrid Account issued with Alliance Hybrid AP Platinum Debit Card?

agree with you on the cash back part, even some credit cards merely offer 0.2%/0.3% cash back for retail spending.

can also enroll for Alliance Personal like Bonescythe with 50k

This post has been edited by Ah SiAnG: Oct 24 2015, 08:27 PM

someone like you can kena that? one left, one right. not one front, one back?

Go back and ask them for your gift. gave you pisang? give them back something else!

This post has been edited by yygo: Oct 24 2015, 08:36 PM

I also have Alliance Bank hybrid account. It came with a platinum debit card with cashback of 1.5%. Really good in terms of cash back.

You are like our Captain who wear slipper.

You did not flash them the Rolex watch, all the top end credit cards you carry ?

the only charges is rm12.72 per year right? any other hidden charges?

and did you opt for the cheque book facility?

I got the hybrid acct back in 2011. No charges whatsoever (never really notice that, better check my monthly statement to be 100% sure). Except their debit card was lousy. The plastic film peeled off and replacement wanted to charge me RM12 (cannot remember exact figure). I complained and they waived it.

I did not take up cheque book, in 2011 I think they did not offer that. Anyway I did not require the facility.

I think the best part is the platinum debit card with cash back of 1.5%.

This post has been edited by bbgoat: Oct 24 2015, 08:54 PM

yea, would consider to open one as well but it will be good if they would waive the annual fee and issuance fee for me

besides their cash back their eFD promo rates is the one that attracts me the most

Checked my monthly statement. It showed "Hybrid acct- no check" that means there is a version with "Checkbook acct".

Their meps withdraw also foc.. other charge rm 1.06

I got ntg to flash.. proton car key can flash ??

He see my face..
Then see me carry a laptop bag macam kuli..
Then see my footwear.. slippers...
Then see IC...

Then he ask.. do u really know the requirement of PB ?

This post has been edited by Bonescythe: Oct 24 2015, 09:50 PM

Maybe should show him amount inside bank account or amount inside the laptop bag until his eyes become round and apologise.

To be a pb customer say for HLB, do we auto become one when we dump RM250k FD with them?

Do you think it's worth to sacrifice one week of interest, and uplift my 4.2% (1 yr) ambank fd and reput in 4.6% (2 yr) ambank fd

U need to perform maths n compare both options