And not to mention, it meets your requirement of it being a Mac !

macball,
We always want 'da best' don't we? Ah well, will just need to make your decision based on affordability then.

Go for the iMAC if you can afford it - it's definitely a better buy than the Mac Mini *i think* though you're not gonna be able to use the iMAC as your door stopper or as paper weight

macball,
Patient patient . It takes awhile to process the applications. Plus, it was a looOoong weekend. Give them up till next week but maybe you can give them a call to check on your application status?

macball,
If you can wait for the Standard Chartered credit card, I suggest you wait even if MacStudio's got Citibank instalment plan. The 3% surcharge may not be a lot but hey, if you wanna upgrade RAM or something like dat, the 3% may help quite a bit

You have afterall waited this long for the iMac, might as well wait a lil while more, right?

macball,
Don't be too disappointed. Just wait for news on your Stan Chart CC. Maybe might as well just apply for either AmBank or Maybank's CC too - just in case?

zigzagger,
CIMB Bank CC instalment plan's available at Machines - hence no need to ma-fan ma-fan convert. Processing fee is 4% though, and it's for 12 months instalment I believe.

macball,
If you don't have the $ to pay upfront cash, then i think to pay the additional RM6.66667 p/month is oklah - just go out less or watch 1 movie less or something like dat - otherwise, to save the $ then go ahead and pay cash *grins*

So, have u oredi bought your iMAC?!

macball,
It's a matter of time before u get the iMAC - we're all waiting for the pictures *grins*

carpathia,
M sure the processing fees are different depending on banks and merchants. But if you're planning to get an Apple, then yups, I do agree that Stan Chart offers pretty good 'rates'. Plus i don't think it's too difficult to get a CC from the banks so as long as one's working oredi

madstone,
Yes, u are right. There are T&Cs attached to the instalment plans. For Citibank, there's a separate credit limit for purchases made under 'instalment' plan. Say for example, current credit limit entitled on the card is:-

Credit Limit (Cash) = RM5000 (X)
Max Limit (Instalment Plan) = RM5000 (Y)
Total Credit Limit = RM10000 (X+Y)

You can use up to a maximum of RM5k to buy Item X under the instalment plan. It shouldn't affect the Cash Credit Limit you're entitled to. Any value above RM5k will not be allowable, since limit's set at RM5000.

Please also note that for Citibank CC holders, there's also a fee imposed should you decide to pay up your instalment plan ahead of time (i've no idea how much is chargeable so pls check with the bank).

I hope all is clear on this. If not, best is to contact the bank and get information - different account holders have different limits and credit standing.

macball,
Another 2 weeks wait?! Er, well at least u know how long ur wait time is going to be. I don't !

Maybe I should stay off AppleByte and come back only when I finally am a real Apple user (quickly make call to mom asking her to buy apples from pasar malam!)

This post has been edited by tinkerbel: Jan 8 2007, 06:29 PM

goldfries,
I'm on the Clear Card too but I've got the X,Y,Z on my monthly bills. But I suppose those without the Y columns will basically use up the credit on their X column.

Guess I should be lucky I've got X+Y = Z on my Citibank Clear card huh? Then again, I'm probably much older than u so .......

goldfries,
I just explained it in a summarised version above!!!! U want me to kill u or what?! I'm still at the office so I'm not too far from where u are

Yes, it's important to know what ur getting urself into. And, bear in mind there's also a charge if u wish to pay up your instalment earlier yah?

goldfries,
*sigh* Make it simple for people lah - Y go complicate things?! I'd never used the (Y) before also can explain proper proper u pulak.. *sigh* [nothin to say oredi lah me]

macball,
I hope GOLDFRIES hadn't confused u. If he has, just knock him on his head, not mine

goldfries after confusing everyone else, plus himself

goldfries,
I don't need to utilise the Y part yet so no need to call Citibank. I think macball's not gonna go with Citibank, and I wouldn't too, at 9.88% interest. It's craZzzY *emoticon of eye popping out*

macball,
So when u GETTING it lah?! Nolah, goldfries and I not fighting, we're just uhm, getting to know each other that's all

And, in doing that he can buy me lunch one of these days, as long as it's not what I don't eat and he oredi knows what it is!! :pPpPp

macball,
Direct Access *is* from Southern Bank but Southern Bank's known as CIMB Bank today *smiles*

Too bad there's no such thing of transfer of CC otherwise I could transfer my Direct Access CC to you - I haven't used it at all and applied for it only cause it was FOC *grins*

macball,
Yes I've got a Direct Access CC. I applied for it when I came across the flyer/brochure many years ago.

I'm a bad customer - am surprised they haven't delisted me YET...!! HahAHAHhahaha Imagine, holding onto a CC for well, let's see [I don't even carry it with me!] 5 years maybe?! And I still haven't even swiped it once!!

macball,
My primary CC is Citibank. I'm still wondering Y I'm still using them when I'm not totally satisfied with them *sigh* [Oklah, I admit it's probably cause of the points but it's not like I ever make use of them ].

On the several ocassions where Citibank's failed me, I use the all-time reliable UOB *grins*

Direct Access? Er....... Tak mau gunalah.... Like I said, don't even carry that CC out wif me !!! kEKekkekekekek

madstone,
As your monthly income increases, the bank will revise your total credit limit, I'm sure. Up to now, I haven't been able to identify what the banks consider a good or a bad customer If one paid his monthly bills on time and in full, is he considered a good customer? Or considered a bad customer since the bank wouldn't be able to earn additional interest from his late payments?

macball,
I checked out instalment schemes available at MacAsia and it goes like this:-

1) Maybank - 6/12 months instalments, 2% processing fee
2) AmBank - 6/12 months instalments, 3% processing fee
3) OCBC Bank - 12 months instalments, 3% processing fee
4) Standard Chartered - 12 months instalments, RM30 processing fee [applicable for non-promo products only. If the product is under promo, a 2% processing fee is applicable]

From looks of it, the most 'cost effective' way is to get your iMAC using a Stan Chart CC from MacAsia. Also, please take note instalment schemes are only available for purchases above RM1k.

madstone,

So if every month pay in full to bank punctually would make one a good or bad customer?