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Credit Cards Standard Chartered Bank Credit Cards V4, Everything About SC Credit Cards

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zinze36
post Jun 21 2019, 06:15 PM

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anyone here know where to set up insurance auto bill?
wufei
post Jun 21 2019, 06:16 PM

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ini bank card still can pakai?
jhlou
post Jun 21 2019, 09:50 PM

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QUOTE(zinze36 @ Jun 21 2019, 06:15 PM)
anyone here know where to set up insurance auto bill?
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Auto debit should be setup by initially when you purchase your insurance

To modify which card to charge:
1. Speak to your agent to settle
2. Login to its customer service portal to make the change
3. Fill up auto debit form found in its website then email
xuanchew
post Jun 22 2019, 01:54 AM

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QUOTE(talexeh @ Jun 19 2019, 10:16 PM)
Excludes petrol & insurance.

user posted image
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ALL, exclude petrol & insurance, am I right?
fruitie
post Jun 22 2019, 12:13 PM

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QUOTE(xuanchew @ Jun 22 2019, 01:54 AM)
ALL, exclude petrol & insurance, am I right?
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What's ALL?
HMMaster
post Jun 22 2019, 12:20 PM

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QUOTE(sl3ge @ Jun 9 2019, 09:53 PM)
Any insurance expert here?

My GE now paying quarterly, if i change it to monthly(and let JOP autobill)
will it effect my GE cash value in future?

because last time i am GE agent,
and i use their software to generate my future cash value return table,
quarterly is higher than monthly.

is it due to processing fee or anything else?
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QUOTE(fruitie @ Jun 9 2019, 11:33 PM)
I use GE too and wanted to pay every quarterly, half-yearly or annually but my agent said it has no difference for my case, as there won't be any discount if I were to pay lump sum. Hence, since day 1 I'm already on monthly auto-debit.
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QUOTE(mcricky @ Jun 10 2019, 07:44 PM)
Not expert, just share my knowledge told by my agent, correct me if I'm wrong if any expert here.
For those investment link product, if you change your frequency mode of payment i.e from annual to half year or quarter or monthly it won't affect your premium payment amount as it's divided accordingly.
But for those non investment link product, you'll be charged processing fee: 0%for annual, 2% for half year, 3% for quarter and 5% for monthly.
And for those who plan to change to monthly mode, it won't effect immediately next month, it will only effect on your next policy anniversary date.
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From what my insurance agent told me, it will affect the cash value if pay monthly, since you basically invest less time. Just like you either put your money in 12months FD OR you put the FD monthly.

But the difference I think should be negligible. My agent suggest to take the OCBC GE card which will pay 1 year lump sump and auto convert to installment.
sl3ge
post Jun 22 2019, 12:36 PM

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QUOTE(HMMaster @ Jun 22 2019, 12:20 PM)
From what my insurance agent told me, it will affect the cash value if pay monthly, since you basically invest less time. Just like you either put your money in 12months FD OR you put the FD monthly.

But the difference I think should be negligible. My agent suggest to take the OCBC GE card which will pay 1 year lump sump and auto convert to installment.
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Pay monthly Invest less time meaning?
jiaen0509
post Jun 22 2019, 12:37 PM

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QUOTE(sl3ge @ Jun 9 2019, 09:53 PM)
Any insurance expert here?

My GE now paying quarterly, if i change it to monthly(and let JOP autobill)
will it effect my GE cash value in future?

because last time i am GE agent,
and i use their software to generate my future cash value return table,
quarterly is higher than monthly.

is it due to processing fee or anything else?
*
How about yearly? Will get more than by paying quarterly? But Insurance can use for JOP autobill.

QUOTE(HMMaster @ Jun 22 2019, 12:20 PM)
From what my insurance agent told me, it will affect the cash value if pay monthly, since you basically invest less time. Just like you either put your money in 12months FD OR you put the FD monthly.

But the difference I think should be negligible. My agent suggest to take the OCBC GE card which will pay 1 year lump sump and auto convert to installment.
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Good idea. Some credit card can convert to 0% installment.
HMMaster
post Jun 22 2019, 01:10 PM

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QUOTE(sl3ge @ Jun 22 2019, 12:36 PM)
Pay monthly Invest less time meaning?
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From what I understand, it is something like this:

Yearly = You pay a lump sum and they invest all 12 months with the total you paid.

Monthly = They only invest amount you paid. So month 1, they only invest the 1 month amount you paid.

Eg: very SIMPLE example:
Monthly = RM100; Yearly = RM1200

Total Monthly Investment:-

Monthy
Month 1 = RM100
Month 2 = RM200
Month 3 = RM300 etc

Yearly
Month 1 = RM1200
Month 2 = RM1200
Month 3 = RM1200 etc

Maybe insurance expert can correct me if I'm wrong.

QUOTE(jiaen0509 @ Jun 22 2019, 12:37 PM)
How about yearly? Will get more than by paying quarterly? But Insurance can use for JOP autobill.
Good idea. Some credit card can convert to 0% installment.
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ya, but this ocbc can auto convert. but minimum premium is 2.2k.
tonytyk
post Jun 22 2019, 04:20 PM

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QUOTE(ps007 @ Jun 8 2019, 06:50 PM)
May i know if gym membership autobill entitled for JOP CB?

Edit: ok just found the autobill tnc. Answer is No.
Not insurance, not telco, not utilities
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TNB autobill not entitled for cash back?
zenquix
post Jun 22 2019, 04:26 PM

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QUOTE(tonytyk @ Jun 22 2019, 04:20 PM)
TNB autobill not entitled for cash back?
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TNB (utilities) is entitled.

What he meant was only insurance, telco and utilties are entitled. Gym don't fall into these categories
tonytyk
post Jun 22 2019, 04:44 PM

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QUOTE(zenquix @ Jun 22 2019, 04:26 PM)
TNB (utilities) is entitled.

What he meant was only insurance, telco and utilties are entitled. Gym don't fall into these categories
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Setting of monthly fix payment from JOP at Scb internet banking would comply with the revised terms & conditions ?
cybpsych
post Jun 22 2019, 05:06 PM

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QUOTE(talexeh @ Jun 7 2019, 03:47 PM)
user posted image
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QUOTE(tonytyk @ Jun 22 2019, 04:44 PM)
Setting of monthly fix payment from JOP at Scb internet banking would comply with the revised terms & conditions ?
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Gabriel03
post Jun 22 2019, 07:09 PM

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Hi

I am an existing JOP cardholder. If i request to get the LFC card, is it possible to request for cashback to offset the SST?

Anyone has done it before?
jiaen0509
post Jun 22 2019, 10:51 PM

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Want to confirm is Just One no more AF waive next year?

Just got my JustOne and LFC card. Mean I have to pay both AF next year? OMG
talexeh
post Jun 22 2019, 10:53 PM

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QUOTE(jiaen0509 @ Jun 22 2019, 10:51 PM)
Want to confirm is Just One no more AF waive next year?

Just got my JustOne and LFC card. Mean I have to pay both AF next year? OMG
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No one can confirm since we have conflicting T&C from both SC & RinggitPlus. RinggitPlus specifically mentions "no automatic waiver" so it certainly sounds like we can give SC a call once your AF shows up in your statement.
jiaen0509
post Jun 22 2019, 10:56 PM

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QUOTE(talexeh @ Jun 22 2019, 10:53 PM)
No one can confirm since we have conflicting T&C from both SC & RinggitPlus. RinggitPlus specifically mentions "no automatic waiver" so it certainly sounds like we can give SC a call once your AF shows up in your statement.
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Because I saw someone from here shared about the condition for JustOne has been removed.

LFC is confirmed no AF waive. Just dont know JustOne
HMMaster
post Jun 22 2019, 11:18 PM

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For syabas, no autobill?
talexeh
post Jun 22 2019, 11:24 PM

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QUOTE(jiaen0509 @ Jun 22 2019, 10:56 PM)
Because I saw someone from here shared about the condition for JustOne has been removed.

LFC is confirmed no AF waive. Just dont know JustOne
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JOP statement from SC: https://av.sc.com/my/content/docs/my-sc-jop...credit-card.pdf
user posted image

JOP statement from RP: https://ringgitplus.com/en/blog/Cash-Back-C...-July-2019.html
user posted image
xuanchew
post Jun 23 2019, 06:09 AM

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QUOTE(fruitie @ Jun 22 2019, 12:13 PM)
What's ALL?
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All categories, such as dining, online shopping, retail, telco, etc etc

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