I was at HLB today for the 4.5% p.a for 6 months FD promotion. According to the officer, the conventional FD (with cert) is full. I end up with the Islamic 1 (without cert, but not MACH)
Waiting time was terrible @ was there at 1pm and only got served at 2.30pm.. Felt that it is not worth to spend time there ... I am glad that I have been sensible to visit other bank for other banking needs n return rather than sit there n wait

i guess it's little late for me...
anyhow, this is nation wide or branch specified?

hi finding the Fd rate 4.0+ for 12 month,200k .
any bank hv rates 4.0 ++ now?

RHB n Affin. just need to read few pages back.

"was there at 1pm and only got served at 2.30pm.."

So u did get the Islamic FD ? Is the start date 2 days later (after clearing of cheque) or u used cash so the start date is 10/2/2016 ?

This post has been edited by bbgoat: Feb 11 2016, 11:11 AM

Your issue maybe abit different from mine which I faced previously.

1. I did not get my interest after 6 months despite having instruction 2 chosen, so I asked my RM why. She gave some excuse saying they have some internal instruction that interest will only be paid upon maturity.

2. Then I called the hotline about the same issue & complained. It routed back to the RM & she was quite angry saying why I didn't contact her directly. Apparently the hotline officer contacted her & scolded her. But the final outcome still the same, she even said asked branch manager if the 'instruction' can be changed but cannot.

3. Finally, after around a month seeing most of the people here getting their interest paid, I complained on their Facebook page & try to viral it I got my interest within a few working days no excuses given!

Sometimes I guess it needs humiliation for these big bullies to take proper action.

I see Citibank credit cards Facebook page is also badly defaced with lots of complaints since they are probably the only bank that still do not give annual fee waiver. But when came my turn, they seemed better & said I need to spend a certain amount to waive it.

I faced the same issue as yours too and also took me several emails n calls to resolve it. Luckily that one is solved for a peace of mind.

Wah, this year everyone seems to be very 'fat tat' got hampers.
I think I may need to move to KL BR branches then. PJ must be having very high net worth people until I always cannot get anything.

The most I got is 2 gifts of hand towel & umbrella for just 1 FD


I noticed foreign banks are generally kiamsiap & not flexible. Last time I asked for 1 packet of ang pow packets also ask to check if I have an account there.

This post has been edited by gchowyh: Feb 11 2016, 11:55 AM

U guys have so much problem with SCB. So far the 6 mth interest only have slight problem which was resolved quickly through the RM. Subsequently no more issues. Just received one last week. Also changed Renewal Instruction within one day (showed up online).

Maybe Penang side less issue ?

OT. CB Citigold free Platinum card. Have been using it as main credit card for years.

This post has been edited by bbgoat: Feb 11 2016, 12:24 PM

Yes, I placed the Islamic FD, ie 'Hong Leong Term Deposit-i'
70% of my funds are from my HLB savings a/c (proceeds from HLeBroking also considered fresh fund), remainder 30% of my funds by cheque.
Whether is it from savings a/c or cheque, the effective date is on the day I place the FD.
Btw, HL cleared my cheque very fast, the amount already missing from my OCBC a/c when I checked this morning at 8am

In Oct 2014 when I placed HL Islamic FD with personal cheque, the eff date was 2 days later. Though they issued the FD receipt on the same day.

HL conventional FD no such issue, same day eff date.

This post has been edited by bbgoat: Feb 11 2016, 12:27 PM

Hmm.. Surprising. But I'm just curious, isn't it mentioned on the receipt 'purchase price' & 'selling price'? I mean, I believe you should have been able to detect the shortfall (assuming you did a quick calculation) on the spot but you sounded like you only found out the effective date was after your cheque being cleared?
Hmm, here is my calculation:
RM 10,000 x 1.045^0.5= RM 10,222.52,
while it states on my receipt as RM 10,224.38
I'm not sure how to get RM 10,224.38 @ RM 1.86 'extra', but if the effective day is 2 days from the date of placement, then I should be getting lesser instead of more, correct?

I already knew it on the spot as the staff told me that it will be effective 2 days later. But at that time, this is the highest promotion at that time. So even losing 2 days interest still can made up for it.

No need for you to look at anything else other than the dates on the cert/receipt will do. That will tell you it is from when to when.

Shifted some funds from CIMB to HLB today. Both 4.2% conventional 3 month and 4.5% 6 month Islamic FD still available at Kelana Jaya branch.

Effective date for both conventional and Islamic FD is now the day you placed the FD (at least if done using banker's cheque). Previously, Islamic FD's effective date is 2 working days after you placed the FD.

RHB is also putting flyers in postboxes telling people of their 4.45% 12 month FD offer. This branch must be quite desperate for funds

Considered not much problems for me except for that 1 incident so far, touch wood . Except for making 1 visit to the bank, the rest was done through the internet or phone calls

Hi guys, anyone is interested in the current maybank 6.88 promotion?
http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions

Looks tempting to me, but I hope to know is does it mean 6.88% only applicable to 7 & 8th month?

upon maturity, the actual effective rate is just 4.38% p.a.

Thank you =) Now I know the what's the Campaign Effective Rate,
Sigh they market it as 6.88%

keyword is "up to", not effective

be mindful on these big numbers. always read the T&Cs and the table illustrated.

Ambank promo flyer


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