I was refer to first post that mentioned that la... that's y I asked..

The counter staff normal would ask for the 25% (around that number, depending on banks) for matured FD for current FD promo. So one time in RHB I top up RM300 (counter staff asked for >RM500). Then in Feb, I met one officer there whom I already know and she asked me to top up RM100. But as a "courtesy" I top up RM200. Hahaha.

Anyway u could get the FD promo also if u said you only have RM100. If not u have to withdraw the FD !

In PBB, I was asked to top up something like RM2000 (cannot remember exact amt now), then reduced to RM800, then finally settled at RM500 ! As my wallet only left RM500 at that time ! Power of nego !

This post has been edited by bbgoat: Jun 17 2016, 08:27 AM

I see, but i did have the funds, don't mind. LOL.

Btw, i think this is the first time i heard of PBB nego works... does that have anything to do with the size of FD? would like to get my mother to do it using the normal PBB FD.

I have close relationship with the RHB BM here, I once topup RM50 for a five figure promo FD less than 1%

I only refer to getting matured FD to place into FD promo. (Not nego on FD rates, just in case someone mis-read here. So far I never nego with PBB on FD rates).

thanks to bros cybpsych and ramjade whose frequent mentions about mbb's GIA highlighted me to this scheme. a nice alternative to park short term funds!

Thats why we said, go talk to your bank first.

Today actually has RHB FD due. But looks like have to let it idle. Then next Tuesday to combine with other FD due. Not worth effort to go there just for that FD.

Now thinking phone banking of CB is good. That I can just call and terminate FD and put back into SA. Then can IBFT to MBB for the GIA-i pocket money.

This post has been edited by bbgoat: Jun 17 2016, 11:07 AM

uncle goat giving free money to the bank!

Just came back from Hong Leong Bank.
Promo FD 6 months - 4.25%p.a. has ended. Apparently target hit before deadline.

good idea to always talk to bank first.

Cant check on my HL Online Connect too.. Was actually waiting to go into this offer before the month ends.

me too just back from Hong Leong Petaling Street branch..this promo is still available there

Just wanna ask about GIA-I for maybank.

1. Place no need any document right? Just do from efd part of M2U?
2. No PIDM - does that worry anyone?
3. Confirm the interest granted even when withdraw after a few days?

I think 50K already can request but then it also depends on how helpful your RM is.



RM has confirmed with me that they will be paying for the non-working days as well . We will see

1. Yes. No need documents. Yes.
2. No. Cauae this is maybank. PIDM will only come into effect if maybank bankrupt. Maybank reputation is at stake. If they lose the money, in the future if they introduce similar product, no one apply. Rugi lo. If bank rakyat or mbsb, maybe yes. Maybank, not worried. If yoi are kiasi, go for ambank islamic efd 3.25%. Need min rm1k only.
3. Yes. Interest will even be given if you uplift the very next day.

This post has been edited by Ramjade: Jun 17 2016, 02:52 PM

Thanks. Wah so many questions when placing!

ok, i've get the answer from other experienced sifus based on their practical experiences for the Question I raised.

Only for the first placement.

Hi, can I placed and uplift the GIA-i account on the same day? Just now i tried to placed and wanted to uplift as I can't modify the term after that, when I click uplift, it shown the error message as below:

System unavailable
Account is not authorised. Reject code: [0076]

and if i want to modify the account, such as change term, it shown "Status: Unsuccessful - Account is not authorised. " after I key in the TAC

This post has been edited by mamamia: Jun 17 2016, 04:47 PM