My reply is to anyone's post ? You have to read the post together with the one on top. If I make an independent post by itself, that will be different.

Your old habit still the same. Read carefully if u want to comment on people's post. Learn please !

"You reply him without quoting. So didn't know you were replying him."
You just read what I wrote and reply, how laughable !!! Did u see that I am replying to @gsc's post and attached his post on top ? Funny, boy !!

Now some more want to "share" the fault !!

This post has been edited by bbgoat: Dec 30 2015, 03:39 PM

Hahaha, sometimes have to act act like blowing up to release steam !

Some people disguise themselves but really are just trolls. That fellow really need to learn. Have been so many cases.

This post has been edited by bbgoat: Dec 31 2015, 08:44 AM

What ? They turn against what they told you in email ? Unless Penang side going to pay the same amt as in Klang Valley. gsc and me has confirmed the Penang side paying RM0.68.

Next week Friday going to UOB on FD maturity. Lets see.

This post has been edited by bbgoat: Dec 31 2015, 12:22 PM

Called to AmBank ABM to enquire on their FD promo for Jan 2016. She quoted me the below:

6 mth 4.08%
1 yr 4.18%

min 20k.

That is not a good rate ! So AmBank has collected enough during their last promo of 2 yrs 4.6% ??

Yes, few banks gave lower BC charges if fund is from FD. MBB, PBB etc.

Have you clarified on this ?

This post has been edited by bbgoat: Dec 31 2015, 05:18 PM

So north of Klang Valley, we are getting cheaper BC ?

I mentioned before that Penang side I have paid only for UOB BC Stamp duty RM0.15. Then the cheque processing fee and gst comes in to make it RM0.68.

So far for Jan 2016 FD promo, AmBank, MBB and OCBC all lower than the Dec 4.5%/4.6% promo's.

On Monday have to call UOB and see. Hopefully HL 6 mth 4.5% stay put ! The other one is RHB's step-up 4.4%.

This post has been edited by bbgoat: Jan 1 2016, 08:49 AM

Again confirm gloomy outlook for FD promo in 2016 !

This post has been edited by bbgoat: Jan 1 2016, 09:43 AM

TQ for the official info !

Just noticed that the MBSB promo 6/12 mth rate same as AmBank one that I mentioned yesterday. Except MBSB is upfront interest payment

This post has been edited by bbgoat: Jan 1 2016, 09:45 AM

Ya, some people may prefer AmBank due to the PIDM. At that level MBSB will have difficulty to attract more depositors.

I think otherwise.

Even MBSB also lower the promo rate ! Lets see 21/1 BNM meeting result.

UOB IBFT active now ?

It should be just recently that UOB has the IBFT feature.

Before that have been forced to use their normal ibg.

This post has been edited by bbgoat: Jan 2 2016, 10:44 AM

The only time I got a 9.18% FD from CB is with UT promotion in 2015. They does not seem to bother with pure FD promo.

In fact they are raising the AUM for CItigold from 200k to 350k. That is even higher than OCBC's 300k for PB but lower than UOB's 500k.

Captain, I called to UOB PB centre this morning, I was told the FD promo you mentioned is until 15/1/2016 only !

I also called to OCBC PB centre, their promo:

9 mth 4.15%
15 mth 4.3%

Until 31/1

Asked about the 20" trolley bag. The leng lui told me it is RinggitPlus promo.

Today planning for FD musical chair. Called UOB and OCBC as mentioned earlier.

Went to RHB to uplift FD matured on last Friday. RHB normally do not pay interest over Sat/Sun and holidays. But this time as the amt is big, have asked them last week. Today went to see the officer. She calculated and paid me the 3 days interest. Thanks to our lady. Rentas out the whole FD amt to CB. Rentas RM5.30.

Noticed long queue of people in RHB to update their ASNB passbook (this is for those kaki invetsed in ASNB, they are active in both FD and ASNB threads. I have some eggs there also ).

The officer introduced the new branch manager and she gave me a RHB desk top calendar. The previous BM was there only 1 year plus.

The RHB FD promo with eff rate of 15 mth 4.4% till end March still running but their 3 mth 4.2% is until 31/1 only.

Then went to HL to place for 6 mth 4.5% with mthly interest.

Went in to see AmBank BM. He said their current promo of 6 mth 4.08% and 12 mth 4.18% (I have reported this last week) is for retention purpose only. They know it is not competitive. He told me their CNY FD promo will come out soon. Lets see.

This post has been edited by bbgoat: Jan 4 2016, 02:31 PM

Hahaha, good question ! The FD was a step-up one with the last step-up to 5.38%. I already know that they will not give me the 5.38% rate. In system, the FD was auto renewed to another 3 mths cycle. So the system generated and calculated the interest for the 3 days at 3.2%.

So I got the interest which I can go for good dinner for 2.

So lesson is always ask especially if the FD amt is large.

So still RM2.80 for the BC ?

Confirmed Pg and Ipoh side RM0.68 for the BC. UOB unable to standardize between the various location/branches !

This post has been edited by bbgoat: Jan 4 2016, 07:17 PM