that  important point needs highlight.
Small FD eg  RM1000, rate difference not important, 3.45% or 4.5%
nothing much to lose..

However i was quite annoyed by those who pretend to speak your mind earlier,
saying if you already have tens of millions in FD, you wont bother be it FD rate 3.45% or 4.55%

That is kind of silly.
An additional RM10,000 in interest return in a year is nothing?

The more millions they have in FD the more they must pay attention to the rate.
3.45% or 4.5% can give additional RM100,000 a year!

if people have the attitude already have millions , wont bother value of  RM10,000 
i doubt they have reached there, by  own effort.

Its good that you didn t come out sounding like what they have said ..