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 Fixed Deposit Rates In Malaysia V. No.14, Strictly for FD Discussion Only

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chrisoth80
post Dec 7 2016, 02:05 PM

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QUOTE(nexona88 @ Dec 7 2016, 01:00 PM)
Ooh like that..
Rm388 also want count huh..
Small amount only laugh.gif
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I might as well take this as a treat for a good meal for 2 at zipangu. Who dont want free lunch or dinner you tell me?


chrisoth80
post Dec 7 2016, 02:19 PM

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QUOTE(galaxynote259 @ Dec 7 2016, 02:06 PM)
If deposit 200k cash for their FD with promo rate, we will get premier banking status?
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Yes. you can as long as you maintain min 200k in deposit even if its fd promo
chrisoth80
post Dec 7 2016, 05:00 PM

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QUOTE(wodenus @ Dec 7 2016, 04:27 PM)
How can you guys stand that.. it's like you are ten years old, need your parents to do your banking for you smile.gif
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1st of all I din ask for this and my rm volunteer and did i ever say I have to rely on my parents

You are a really twisted fella. never saw shits flushing out from a person's brainz. this is my 1st I would say

anyway you can continue as long as it makes you and your brainiac happy and comfortable
chrisoth80
post Dec 9 2016, 11:24 AM

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QUOTE(bbgoat @ Dec 9 2016, 10:05 AM)
Serious !  biggrin.gif

During placement, I got itchy hand. One of the placement I chose Islamic FD placement, that one die not receive the monthly interest. I checked, it showed "credit to principal" for interest.  cry.gif Not sure if Islamic FD do not have the monthly interest option or I did not choose the option correctly.

The Conventional FD received the monthly interest.

Is yours Islamic FD placement ?  hmm.gif
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QUOTE(dannyw @ Dec 9 2016, 10:17 AM)
Nope. My is normal Conventional FD.

Call up to find out already. The CS say, if opt for 'Credit to Principal' then won't get the monthly interest, only those who select 'Credit into account' will get interest monthly.

So is this statement apply to you correctly?
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QUOTE(bbgoat @ Dec 9 2016, 10:55 AM)
The HL FD is "Interest credit to account". Except my Islamic FD is "credit to principal".  biggrin.gif
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The Eligible Customers are required to nominate a CASA / CASA-i Account maintained with HLB / HLISB under
the individual name of the Eligible Customers (“Nominated CASA / CASA-i”) for the purpose of crediting the
interest/profit earned under this Promotion. The interest/profit earned will be credited into the Eligible Customers’
Nominated CASA / CASA-i on monthly basis

I thought it should apply automatically to all hlb e-fd as I did mine by choosing the option credit to savings for conventional. I din try any islamic though
chrisoth80
post Dec 14 2016, 03:33 PM

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uplift fd from ocbc today and earned xtra 3 days accrued interest due to monday and tuesday is holiday for selangor and made placement with rhb @ 4.10% for 6mths
chrisoth80
post Dec 15 2016, 10:54 AM

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QUOTE(familyfirst @ Dec 15 2016, 08:39 AM)
RHB promo is over the counter promo rite?  Valid till when ya?  Thanks.
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I place mine thru my rm as she told me need to get approval but others reported they able to place over the counter and some weren't able to.

It did mention "up to" 4.1% for 6mths and that's why it's not 100% confirm you will get 4.1%.

I suggest you to ring your branch manager before you drop by if you decided to place with rhb for this promo.

Promo is valid until 31/1/17 or upon reach quota
chrisoth80
post Dec 15 2016, 06:08 PM

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QUOTE(gsc @ Dec 15 2016, 04:16 PM)
RHB promo rate is 6 months 4.1%. Target 500 million or 31 Jan 2017 whichever comes first. Minimum placement rm50k. It is a published promo rate, no need nego.
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I told my rm the same thing but still insist need to get approval but anyway hopefully dont have to go thru the same hassle again in future.

Update : I have talk to the BM and he also insist need to get approval but he did mention normally customer will get the rate and they just want to make sure every placement is approve by their HQ to avoid any dispute. This is what he told me

This post has been edited by chrisoth80: Dec 15 2016, 06:18 PM
chrisoth80
post Dec 16 2016, 09:38 AM

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QUOTE(gsc @ Dec 16 2016, 02:44 AM)
There is a RHB memo on the promo rate. One for 6 months and the other 9 months. The rate for 9 months is lower than that of 6 months. On top of the memo it mentioned for internal circulation only. May be at the time that you made the deposit, the promo rate wasn't officially announced.
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I made my placement 2 days ago and had spoken to the BM about this yesterday. I guess maybe this particular branch wanted to play safe
chrisoth80
post Dec 19 2016, 09:27 PM

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QUOTE(xcxa23 @ Dec 19 2016, 08:58 PM)
regarding
RHB
6 month 4.1%
9 month 4.0%

was offered with 6 month 3.8% and 9 month 3.9% and they told me that it is the latest offer

when i asked them arent supposed to be RHB
6 month 4.1%
9 month 4.0%
they asked me who told me about this and i told them i found it on9.
then the branch manager come out and offered me 6 month 4% only..

all other member here manage to get 6 month 4.1%?

ps= i remember saw somewhere that the 4.1% nd 50k and the amount i deposited also 50k. i was in a hurry so lazy argue with the manager.
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I manage to get 4.10% from rhb last week. Someone did mention that this is a straightforward promo which I'm a bit skeptical because you are not the only one who are having the problem in getting 4.10% from this promo over the counter.

What I did is that my rm help me to submit my request to hq for approval few days before I make my placement.

There is this term "up to" 4.10% for 6mths on this promo which mean they could offer you any rate up to max 4.10% for 6mths.

I already inform both my rm and the bm that I will top up again next month and I'm being advise again to inform in advance for the pre-approval process so I do hope the quota still available next month unless there is newer promo with rate higher than 4.10%

This post has been edited by chrisoth80: Dec 19 2016, 09:32 PM

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