existing also no problem

no lah, maybe not qualified.

interesting yours say 12 months, mine says 365 days

what is there to argue?

bank is closed how you want/expect to do placement for OTC FD??

Some people really funny..

my BI SA no-debit card, only got savings book. No fees.

Downside, i dont think can use internet banking.
I'm interested to know as well whether got 0 fees SA that can use internet banking

put my name of course.

that is for 4.08%

for 4.28% AUM is 1.5mil

beU is FD got lock in 12 months right.. Not comparable to HYSA

anyone participated in this? seems good

RM0 UOB: Get up to RM250 cash reward when you credit min RM3k into One Account.

https://www.uob.com.my/personal/promotions/...-aug24-1sa.page



This post has been edited by Optizorb: Nov 27 2024, 05:00 PM

yup, just deposited 3k and also set recurring 3k for next 3 months..

yes, need receive either sms and/or email

i also dont have BR for quite some time dy..

i got this BR sms im guessing cause had account with them during the kad siswa days (KADS1M)

so it tracks out.. you DO have BR before..

thats why i specifically brought it up.. cause i had a feeling you might've forgotten bout it.

why not go straight for BeU 4% or Muamalat 4.1%? No negiotations needed

This post has been edited by Optizorb: Sep 6 2024, 05:54 PM

actually i dont understand this part.

why ppl keep saying fed cut rates or whatever will affect our FD rates..

because when feds (USA) raised their interest rates multiple times, we did not go along.. That's why MYR was suffering for quite sometime...
So our FD rates did not rise when the feds raised theirs.. Right now our interest rates is same as pre-covid level..

So how to lower our own interest rates further when we never raise it in the first place?

This post has been edited by Optizorb: Sep 10 2024, 12:27 AM

cant take one off promotions from 1 or 2 banks as the de facto FD rates la.. Only PBB that one time CNY promo gave 18 months 4.8% and never again..
then the others are MBSB/BI only. While the rest of the banks give very conservative rates.. Mostly 3.5%~3.7%

Even right before covid time, banks also got offer 4.2% what.. Same like now la.. OPR also still same same what..

and what you said at the end is exactly my point la. It is up to BNM, and BNM never once raised the rates when feds did it multiple times..
So it is highly unlikely BNM going to lower OPR just because feds lower their rates now..

This post has been edited by Optizorb: Sep 10 2024, 11:23 PM

why would BNM follow if US fed cut rates? Do enlighten.

that is because we have KPDNHEP to help protect us.. As for BNM.. Hmm i dont think they protect us as much as they would protect banks..

Otherwise supermarkets have been known to NOT honour it..

Only since KPDNHEP make PSA that sellers can be fined for not honouring shelf prices that we started seeing them honour the prices. Before this they will argue with you back and forth, especially cause staff/cashier level not aware of the laws.. Then you will need to argue and see their supervisors to sort it out..

Funny thing i just experienced this last month, bought something and at checkout price is higher. I told the cashier, cashier went called his supervisor over, and then decided they still cannot honour the prices. I lazy to argue with them i just told them if they dont honour it i will make complaint to KPDN. The supervisor still insisted he couldnt do anything regarding the price in POS.

So I told them nvm i still want the item and paid for the higher price. Was gonna make complaint but decided to drop by the customer service first. I told them i paid higher than what is the shelf price (with picture proof of price tag i took earlier) and they just immediately refunded me the difference paid, no questions asked.

This post has been edited by Optizorb: Oct 11 2024, 12:19 PM

The lotus i buy stuffs from got honour the shelf-price for me before. I managed to get a refund from customer service after showing them price i paid on receipt higher than advertised shelf-price..

anyway, just purchase the item with higher price and also make sure you have proof of the lower shelf-price..
then just make a complaint to KPDN saying the store REFUSE to honour shelf price. KPDN takes these matters very seriously punya..

Even if i end up paying higher price, the satisfaction knowing KPDN will take action towards the other party is good enough.
But so far in my experience, all of them honour the shelf-price in the end. So I haven't got chance to make a complaint with KPDN


you just save this link to use as your bullet next time:
https://www.kosmo.com.my/2023/10/29/penggun...sistem-berbeza/
https://www.facebook.com/kpdnksh/posts/848778313276936/?_rdr





== sorry off-topic==

ok lets stop here



This post has been edited by Optizorb: Oct 11 2024, 11:26 PM

for FD, i believe islamic term is called profits. not dividends..

This post has been edited by Optizorb: Oct 19 2024, 12:09 AM