QUOTE(Deal Hunter @ Jul 5 2016, 10:06 PM)
When offer gifts, usually just marketing attraction, not seriously bank need money yet. Some customers just view gifts as extra rubbish clogging up house, so no laku.
FYI, I dropped in at Maybank to ask about their present Premier Mudarabah Account (monthly interest) rate - which being islamic moves about. The staff says 2.8% up from 2.68% previously.
For the bottom FD promo and board FD rates, I prefer the effective rate +1.5% and + 1% respectively.
At present I use the MBB PMA to transfer in monthly interests and matured FD till reach the required amount and time before using IBG or PMA cheque to place. If got extra days then place at eGIA-i at 4%.
QUOTE(Deal Hunter @ Jul 5 2016, 10:15 PM)
Can take their free sweets at HL

counter
QUOTE(Deal Hunter @ Jul 5 2016, 10:21 PM)
QUOTE(Deal Hunter @ Jul 6 2016, 02:08 PM)
on each multiple linked/tagged accounts respectively from aeiou228
Your use of the word TAGGED is alarming as it is one of the major reasons why may not work as it affects transfers.
I cannot do free consultancy. It is not so simple as being asked to solve/fixed computer, or system or network problems. Your private financial details/situation and mine will probably be greatly different, not to say the different banks have different ways inherited and upgraded from long ago. My accounts are no longer compromised as before - something as one of my past dumbo regrets - why I don't have more money.
If you are 100% sure you are not making any of the mistakes or falling under the disqualifiers, they may still be other unknown bug or feature as all banks are different over time due to upgrades. If there is no loophole, too bad for you. So up to you to work it out, ask your bank (as long as they don't close any loophole after that) and hope.
The world is big. You know what that means?

QUOTE(Deal Hunter @ Jul 6 2016, 02:28 PM)
aeiou228
At the worst, you can get another account (basic SA will do if you do not have one yet), so 2 cards and 2 logins - no link at all. Some banks are unwilling and want customers to link to one card and existing account nowadays. If too sticky, you may open a joint account savings with new card. Of course JSA has its own set of advantages and problems but off topic.
Perhaps like this, you can transfer up to 100k from CIMB per day.
I usually won't do this but use MBB PMA cheque. Each cheque clearing day delay get extra free RM 7.67 for 100k at 2.8%. Happens only if can't show up to place the FD at a bank where I have an arrangement with them to place without my immediate presence. The IBG/IBFT method cannot earn extra free money.
QUOTE(Deal Hunter @ Jul 6 2016, 03:52 PM)
For cases of not enuf funds for minimum 5k or 10k, one is stuck with using eFD or normal FD. Of course, after some auto-renewals for convenience, you need to go on maturity date to change from auto add-on and auto-renew to go into SA on maturity if ready to place 5k or 10k at the end of the next cycle.
QUOTE(Deal Hunter @ Jul 6 2016, 04:05 PM)
Got 100 k or not? Don't simply jalan and get nothing. Actually I don't know their minimum for gifts. They give, not nice to refuse, so take. Never ask them how come or how much to qualify. So don't ask me. Maybe different branch also different and depends whether got stock left.
HLB - got gifts for children most times now (subject to stock left).

In future please use multi-quote for 2 or more posts at one go, to avoid from being considered spamming.