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Credit Cards Credit Card v19, Post/Ask general questions here, Please read post 1-3 before posting, tq
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prescott2006
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Jan 6 2016, 11:04 PM
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Received a call from UOB to offer me cash advance RM16k, 5.99% flat rate for 3 years, early full payment will get deduct the remaining interest. Is it a good deal? Any bank offer better than this?
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gugukrez
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Jan 7 2016, 10:13 AM
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1 question
Can i pay my car/house loan with my Credit Card?
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fin307
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Jan 7 2016, 10:16 AM
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Getting Started

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QUOTE(gugukrez @ Jan 7 2016, 10:13 AM) 1 question Can i pay my car/house loan with my Credit Card? better don't. It's like you are paying loan using loan. too risky.
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Human Nature
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Jan 7 2016, 10:17 AM
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QUOTE(gugukrez @ Jan 7 2016, 10:13 AM) 1 question Can i pay my car/house loan with my Credit Card? The answer is no.
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chiahau
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Jan 7 2016, 10:19 AM
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QUOTE(gugukrez @ Jan 7 2016, 10:13 AM) 1 question Can i pay my car/house loan with my Credit Card? You can pay your entire car's price using Credit Card but you can't pay your car or housing loan with credit card....
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gugukrez
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Jan 7 2016, 10:21 AM
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QUOTE(fin307 @ Jan 7 2016, 10:16 AM) better don't. It's like you are paying loan using loan. too risky. Because HSBC got rebate 1-8% depend on monthly total amount cc Already ask HSBC direct transfer to PBB loan but they say cant unless the other side back direct deduct on my HSBC credit card. and went to PBB counter they seem like very blurr and answer "NO" with no Confident.. like takut kena complain.. that why im here to get sifu advice...
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fruitie
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Jan 7 2016, 11:14 AM
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Rise and Shine
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QUOTE(gugukrez @ Jan 7 2016, 10:21 AM) Because HSBC got rebate 1-8% depend on monthly total amount cc Already ask HSBC direct transfer to PBB loan but they say cant unless the other side back direct deduct on my HSBC credit card. and went to PBB counter they seem like very blurr and answer "NO" with no Confident.. like takut kena complain.. that why im here to get sifu advice... You can't pay a loan with another credit. As simple as this. So far only PTPTN loan allows credit cards, I guess it wants youngsters to go bankrupt much earlier.
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z|nk
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Jan 7 2016, 11:17 AM
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Getting Started

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any review or comment for BSN cc ?? Thanks
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fin307
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Jan 7 2016, 11:55 AM
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Getting Started

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QUOTE(fruitie @ Jan 7 2016, 11:14 AM) You can't pay a loan with another credit. As simple as this. So far only PTPTN loan allows credit cards, I guess it wants youngsters to go bankrupt much earlier.   true. haha otherwise they wont even suggest it. I dont see any benefit of paying ptptn using cc at all.
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Human Nature
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Jan 7 2016, 12:06 PM
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QUOTE(deity01 @ Jan 6 2016, 02:14 PM) but the english version didnt say can use credit card.. http://www.ptptn.gov.my/web/english/repayment-channelsanyone tried paying ptptn using credit card b4? I am really interested to pay ptptn using credit card.. I confirm that you can use CC to pay PTPTN loan or SSPN QUOTE(fin307 @ Jan 7 2016, 11:55 AM)  true. haha otherwise they wont even suggest it. I dont see any benefit of paying ptptn using cc at all.  you cannot see only
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chiahau
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Jan 7 2016, 12:11 PM
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QUOTE(fin307 @ Jan 7 2016, 11:55 AM)  true. haha otherwise they wont even suggest it. I dont see any benefit of paying ptptn using cc at all.  Can't see does not mean don't have  Paying off 40k student loans sadly can't get 5xTps
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fruitie
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Jan 7 2016, 01:05 PM
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Rise and Shine
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QUOTE(chiahau @ Jan 7 2016, 12:11 PM) Can't see does not mean don't have  Paying off 40k student loans sadly can't get 5xTps  If you use HLB Essential, can get RM 400 cash back.  Not sure if it falls under HLB Essential's exclusion. If use Watami, can get RM 150.  Then, BT 0% and pay by installment 6 months or 12 months. This post has been edited by fruitie: Jan 7 2016, 01:05 PM
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fruitie
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Jan 7 2016, 04:44 PM
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Rise and Shine
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Public Bank rejected my application for Islamic Plat and as usual no reason will be given. I asked if can appeal, he said no, the decision is final. I asked when can re-apply again, he said after 1 year.  No thanks. I hate PBB now.
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SUSintrepidity85
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Jan 7 2016, 04:51 PM
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QUOTE(fruitie @ Jan 7 2016, 04:44 PM) Public Bank rejected my application for Islamic Plat and as usual no reason will be given. I asked if can appeal, he said no, the decision is final. I asked when can re-apply again, he said after 1 year.  No thanks. I hate PBB now.  hows your icbc? mine still under process get approval max personal loan from BSN for 4.5% interest only for 200k This post has been edited by intrepidity85: Jan 7 2016, 04:52 PM
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fruitie
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Jan 7 2016, 04:54 PM
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Rise and Shine
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QUOTE(intrepidity85 @ Jan 7 2016, 04:51 PM) hows your icbc? mine still under process get approval max personal loan from BSN for 4.5% interest only for 200k I was supposed to walk in tomorrow but got lazy and called the credit card officer just now that I will send via Poslaju since I will be going to Poslaju later.
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SUSintrepidity85
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Jan 7 2016, 04:57 PM
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QUOTE(fruitie @ Jan 7 2016, 04:54 PM) I was supposed to walk in tomorrow but got lazy and called the credit card officer just now that I will send via Poslaju since I will be going to Poslaju later.  it took 5 working days for poslaju to reach the officer's hand.. so i guess well let's wait the result.. pbb sucks they decline me few years back and i never go back to be their customer anyhow
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fruitie
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Jan 7 2016, 04:58 PM
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Rise and Shine
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QUOTE(intrepidity85 @ Jan 7 2016, 04:57 PM) it took 5 working days for poslaju to reach the officer's hand.. so i guess well let's wait the result.. pbb sucks they decline me few years back and i never go back to be their customer anyhow Erm, Poslaju just one day isn't it? Why 5 days?  The lady asked me to put her colleague's name on the envelope.
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SUSintrepidity85
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Jan 7 2016, 05:00 PM
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QUOTE(fruitie @ Jan 7 2016, 04:58 PM) Erm, Poslaju just one day isn't it? Why 5 days?  The lady asked me to put her colleague's name on the envelope. yes one day only.. the problem 'unsuccessful delivery, please call 1300 xxx xxx' something like that.. and deliver back PPL xxx then i call the officer and give him tracking number took 2 days to reach him.. total 5 working days lol.. make sure u give the officer tracking number..
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chiahau
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Jan 7 2016, 05:19 PM
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QUOTE(fruitie @ Jan 7 2016, 04:44 PM) Public Bank rejected my application for Islamic Plat and as usual no reason will be given. I asked if can appeal, he said no, the decision is final. I asked when can re-apply again, he said after 1 year.  No thanks. I hate PBB now.  Join the club  I applied for the lousiest card for the sake of BT also they rejek :/ Luckily I have the Aeon, which ended up in the drawer since I have nothing to BT since last year.
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Wongchoy
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Jan 7 2016, 09:09 PM
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Posting regarding Hong Leong Essential Card. From next month, Insurance transactions on Essential Cards yields 0.6% cashback only.
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