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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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SUSintrepidity85
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Jan 1 2016, 09:06 AM
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QUOTE(fruitie @ Jan 1 2016, 02:27 AM) Why don't you try to send via email? http://www.icbc.com.cn/ICBC/%e5%b9%bf%e5%9...6%92%ad_690_300I just noticed it is giving free 2 years AF + RM 50 gift voucher if apply before 31st Jan, I think I can apply one as well.  Edit: I just submitted mine through its online banking since I already have an existing account.  Easy peasy.  Too bad I don't have 100k p.a. yet, so cannot apply for its Plat to enjoy PPL.  I applied for ICBC UnionPay Dual Currency Credit Card Gold Card. Let's see if my application will be approved. My first Union Pay credit card.  wow good card.. i will apply too.. too bad i dont have their internet banking facilities yet.. guess have to post to nearest branch
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SUSintrepidity85
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Jan 4 2016, 07:02 PM
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QUOTE(fruitie @ Jan 4 2016, 04:47 PM) intrepidity85, just checked online for my ICBC credit card status. Already got rejected.  Then asked me to contact the nearest branch or CS, so lazy, forget about it.  Luckily I already have their Union Pay debit card. So, still OK.  Edit: Didn't want to give up, called their main branch and luckily found a good credit card officer.  She helped me to check and apparently there is something wrong with their online system.  She just asked me to fill in and will arrange someone in ICBC branch to collect the documents from me this Friday since I told her I can go on Friday.  I see.. i post to my nearest branch via poslaju.. i paid only RM6 something for poslaju fees included parcel i bought from them so this morning reach the branch and on the way for processing.. let's see how... wish us both good luck
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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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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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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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SUSintrepidity85
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Jan 10 2016, 09:10 AM
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QUOTE(Human Nature @ Jan 10 2016, 12:06 AM) oh okay, so BT and easy payment plans are not in CCRIS? consider as outstanding so yes they will know about it
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SUSintrepidity85
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Jan 10 2016, 11:25 PM
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QUOTE(fruitie @ Jan 10 2016, 11:23 PM) Post here better. My dispatch helped me to send over by hand to ICBC on Friday's lunch hour and within an hour, an officer called me already telling me I must collect my card from their branch, is that OK. Also asked me to send them bank statement to prove that my latest three months salary tally with the statement.  I screenshot and sent to him via email already. Very helpful guy.  He said within 2 weeks will know, he will inform me accordingly. He gave me his mobile no.  yeah i also have the officer contact number and he also mention to me it will took 2 weeks time i gave him 3 months payslip + epf + bank statements hmm need to collect from their branch? my officer told me they will post to my home address ..
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SUSintrepidity85
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Jan 10 2016, 11:30 PM
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QUOTE(fruitie @ Jan 10 2016, 11:27 PM) I wanted to post to office but he said if I can collect from their branch, I said OK since not too far from me. KL Sentral-KLCC. I only gave 3 months payslip and NRIC earlier, since only these were requested then he called to ask me for bank statements to prove the salary crediting only. one week passed for me.. hopefully next week will receive good answer from them
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SUSintrepidity85
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Jan 10 2016, 11:35 PM
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QUOTE(fruitie @ Jan 10 2016, 11:31 PM) I thought yours just reached a few days ago?  Anyway, I want to get the free two years AF only and the RM 50 voucher.  imagine Attached thumbnail(s)
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SUSintrepidity85
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Jan 10 2016, 11:38 PM
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QUOTE(fruitie @ Jan 10 2016, 11:37 PM) Oh yours is Kuching branch. No wonder you cannot collect la, you are based in Miri.  Anyway, let's see and I didn't put much hope though.  always traveling lo.. seldom at east malaysia.. my parent's home at there so need to follow my IC.. haih so many hassle ... hopefully get good result and high credit limit shuld put high hope ma.. usually foreign bank very easy one This post has been edited by intrepidity85: Jan 10 2016, 11:41 PM
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SUSintrepidity85
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Jan 11 2016, 11:08 AM
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just checked my ram credit info.. i got 8.. 'strong' low risk.. out of 10..
just wonder does bank check this when we apply credits?
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SUSintrepidity85
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Jan 14 2016, 08:15 AM
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QUOTE(techmania @ Jan 13 2016, 11:36 PM) I was told bank charged them 2%-3% for using the cc terminal, if the item they sell very minimal margin and don't charge the 2% back to customer they'll lose money. I don't know it's true or not. some merchant more ridiculous .. they charge customer like 6% telling them it's GST .. damn la this kind of shop
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SUSintrepidity85
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Jan 14 2016, 08:21 AM
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QUOTE(chiahau @ Jan 14 2016, 08:20 AM) Go ahead and make a complaint. I am sure you'll get an answer from BNM they charge the 6% with total amount which is quite hard i will ask them to make a seperate receipt with 6% charge for cc which i doubt they will
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SUSintrepidity85
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Jan 14 2016, 08:30 AM
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QUOTE(chiahau @ Jan 14 2016, 08:27 AM) Err, meaning that the price of the item excludes GST? If the price already includes GST, another 6% would means that they are double collecting?  My case was they charged the extra 2% into the CC, but the tax invoice's different. yes already include GST yet they say if u use credit card we will charge 6% .. if u use cash to pay.. then u dont have to pay for 6% cc charge.. any idea whats this all about?
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SUSintrepidity85
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Jan 15 2016, 09:17 AM
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QUOTE(victorywp @ Jan 14 2016, 12:12 PM) ot a bit... recently i check the lowest price for 4k su hd tv 80" is rm24k and 70" is rm18k but cash only. if pay by cc or instalments need to add 3%-5% charge. big difference. the merchant extra charges is ridiculous .. i feel like want to report those merchant to bank negara.. to many this kind of ppl .. in these days who want to bring 10k or 20k cash in hand.. if like brunei or singapore ok la.. they have RM1000 1 piece very easy to bring without robbers put attention on u which is why we need cc This post has been edited by intrepidity85: Jan 15 2016, 09:17 AM
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SUSintrepidity85
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Jan 16 2016, 09:53 PM
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QUOTE(fruitie @ Jan 16 2016, 08:45 PM) It's UnionPay.  Not yet, still in processing. Hmm, I only plan to use it in China because I can pay in RMB using my ICBC savings account as it has RM and RMB. Most of the malls in Malaysia accept but I still prefer to use other non UnionPay cards.  very slow processing from ICBC.. i was told they need to send all documents to shanghai for processing.. will get verification calls from shanghai instead of malaysia
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SUSintrepidity85
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Jan 16 2016, 10:03 PM
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QUOTE(fruitie @ Jan 16 2016, 09:59 PM) I'm not sure, anyway I will follow up again next week.  Let's see what the guy will tell me. thats what i got the info from the icbc hotline.. they say i will get call from overseas number haha.. super duper slow processing
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SUSintrepidity85
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Jan 18 2016, 11:03 PM
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i guess we need to report idiot and greedy merchant to BNM or the bank who issue the terminal to them
lately many merchant i go they will request 2% charges and 6% for GST terminal charges which add up 8% charges
damn .. out of 10 shop, 7 shops did this.. too rampant liao !!!
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SUSintrepidity85
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Jan 19 2016, 08:05 AM
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QUOTE(victorywp @ Jan 19 2016, 03:29 AM) what they did was they took my final amount and multiplied by 0.02 which is equivalent to 2% and not 0.02% as they wrote at the cashier. i already suspected their mistake as nobody would charge 0.02% to customers as it's a very small amount which can be just absorbed by the merchant anyway. let's report these unethical merchants to BNM
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SUSintrepidity85
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Jan 19 2016, 08:06 AM
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QUOTE(laymank @ Jan 19 2016, 12:20 AM) written 0.02% but charged 2%, this is like day light robbery. WORST they charge item on top of 6%.. they charge another 2% + 6% if u use credit card
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