Welcome Guest ( Log In | Register )

274 Pages « < 94 95 96 97 98 > » Bottom

Outline · [ Standard ] · Linear+

Credit Cards Credit Card v20, Post/Ask general questions here, Please read post 1-3 before posting, tq

views
     
ohcipala
post Oct 18 2018, 09:20 PM

Regular
******
Senior Member
1,334 posts

Joined: Sep 2012
QUOTE(cybpsych @ Oct 18 2018, 04:15 PM)
wrong thread. already forwarded you to proper Property/mortgage thread for experts there to assist
*
Looking at his previous posts, it seems to me that he is more of trying to promote loanstreet website, instead of genuinely asking for recommendations.
cybpsych
post Oct 18 2018, 09:22 PM

---------------------
*********
All Stars
62,906 posts

Joined: Jan 2003
QUOTE(ohcipala @ Oct 18 2018, 09:20 PM)
Looking at his previous posts, it seems to me that he is more of trying to promote loanstreet website, instead of genuinely asking for recommendations.
*
haha, couldnt do much earlier anyway. he didnt spam posting here. else i would've read his previous posts if he's genuinely asking or promoting biggrin.gif
cybpsych
post Oct 22 2018, 02:27 PM

---------------------
*********
All Stars
62,906 posts

Joined: Jan 2003
nice reading...

Card service tax will drive down Malaysia’s credit cards-in-force in 2019-2020

The payments landscape of Malaysia will change over the next 12-24 months due to the re-introduction of card service tax effective September 2018

user posted image

Lesson from the 2010 card service tax
The Government had imposed annual card service, effective January 2010,of $ 12 (50 MYR) for each principal credit card and $6.01 (25 MYR) for each supplementary card, in an effort to encourage prudent spending.

The 2010 card service tax regime had witnessed a severe drop in the country’s new credit card issuance and cards-in-force (CIF). These numbers rose again after the abolishment of the card tax levy in 2015.

New cards issuance
From more than 2 million cards per annum, the volume of new cards issuance had dropped to circa 1.2 million new cards issued per annum between 2009 and 2011.

The 2010 new cards issuance volume had dropped by a whopping 44% vs.2009. When the service tax was abolished in 2015, the new cards issuance volume returned to the 2 million cards by 2017. The 2015 new cards issuance volume had increased by a whopping 46% vs. 2014 (1.81 million cards issued in 2015 vs 1.24 million cards in 2014).

Cards in force (CIF)
In the case of the CIF, it had breached the 10 million mark in 2008 and 2009, before dropping to circa 8 million cards in 2010. The CIF has now returned back to 10 million cards level in July 2018.

Credit card limit
Despite the significant drop in CIF between 2009 and 2010; from 10.8 million cards to 8.5 million cards (a drop of 21%), it was observed that the average credit limit per principal card had increased. What this alludes to is customers were cutting off their “excessive’ cards, rather than totally closing their credit card accounts with the issuers.

Read more >> http://www.theasianbanker.com/updates-and-...ce-in-2019-2020
ChocChristy
post Oct 24 2018, 08:22 PM

Casual
***
Junior Member
307 posts

Joined: Aug 2011


General question, at this point in time, if I use Paypal for overseas transaction, is it better to use paypal's rates or my CC bank's rates? I only have CIMB CC. Recalled they have some hidden charges based on threads a few years back. Is that still true right now?

Thank you so much sifus!
TSalexwsk
post Oct 25 2018, 09:25 AM

Look at all my stars!!
*******
Senior Member
4,037 posts

Joined: Jan 2003
From: USJ


QUOTE(ChocChristy @ Oct 24 2018, 08:22 PM)
General question, at this point in time, if I use Paypal for overseas transaction, is it better to use paypal's rates or my CC bank's rates? I only have CIMB CC. Recalled they have some hidden charges based on threads a few years back. Is that still true right now?

Thank you so much sifus!
*
don't use paypal rate and you'll be fine
Wazzzap
post Oct 25 2018, 12:48 PM

On my way
****
Junior Member
505 posts

Joined: Jan 2003



Hey guys, recently I have been given a form by jobstreet to fill in details as I wish to pay them with credit card. In the form they requested for the security code, are they even allowed to do this? Giving out your info in written method can be distributed everywhere. I understand they need all these info but usually we will be given a link to fill up all these as part of security measure.


Attached thumbnail(s)
Attached Image
fruitie
post Oct 25 2018, 02:01 PM

Rise and Shine
Group Icon
Staff
67,994 posts

Joined: Sep 2005
From: KUL/BKK

QUOTE(Wazzzap @ Oct 25 2018, 12:48 PM)
Hey guys, recently I have been given a form by jobstreet to fill in details as I wish to pay them with credit card. In the form they requested for the security code, are they even allowed to do this? Giving out your info in written method can be distributed everywhere. I understand they need all these info but usually we will be given a link to fill up all these as part of security measure.
*
Strange. I have used company's account before when we posted Jobstreet Ad. It allows us to purchase from our account and can fill in credit card details, if I'm not mistaken it links to external site - iPay88. hmm.gif Everything is done online.
I have not filled in any physical form before, can you please check with your Account Manager or in your online account?
sj0217
post Oct 25 2018, 02:36 PM

Look at all my stars!!
*******
Senior Member
6,462 posts

Joined: Apr 2012
Just received my Affin BHP credit card, called to seek advice for online banking and reduced credit limit

Decrease credit limit only can be done in the counter by fill up the form and submit to HQ for approval, and this cannot be done via phone call sad.gif

Online banking, it can be register from ATM, so no walk to the counter is need

Updated:
Unable to register via ATM for online banking.
Attempt to click first user but negative.

Straight away went in to the counter and checked, only then the staff helped to issues a temporary pin and virtual card for first time log in

This post has been edited by sj0217: Oct 25 2018, 06:47 PM
ChocChristy
post Oct 25 2018, 04:17 PM

Casual
***
Junior Member
307 posts

Joined: Aug 2011


QUOTE(alexwsk @ Oct 25 2018, 09:25 AM)
don't use paypal rate and you'll be fine
*
I see, bank's hidden charges won't be higher? Read that sometimes CIMB's charges end up being higher than paypal's rate.


Also is a 0% balance transfer better than a balance conversion from credit card to a loan? Kept wondering if there's a catch to the balance transfer but doesn't seem like there is, as long as can pay finish within that period.
Wazzzap
post Oct 25 2018, 06:47 PM

On my way
****
Junior Member
505 posts

Joined: Jan 2003



QUOTE(fruitie @ Oct 25 2018, 02:01 PM)
Strange. I have used company's account before when we posted Jobstreet Ad. It allows us to purchase from our account and can fill in credit card details, if I'm not mistaken it links to external site - iPay88. hmm.gif Everything is done online.
I have not filled in any physical form before, can you please check with your Account Manager or in your online account?
*
The account was de-activated so they request us to pay first only they will activate it again. Hence I couldn't log in to purchase. Anyway, if they are not allowed to request such info with such method, I will report this BNM.
fruitie
post Oct 25 2018, 07:10 PM

Rise and Shine
Group Icon
Staff
67,994 posts

Joined: Sep 2005
From: KUL/BKK

QUOTE(Wazzzap @ Oct 25 2018, 06:47 PM)
The account was de-activated so they request us to pay first only they will activate it again. Hence I couldn't log in to purchase. Anyway, if they are not allowed to request such info with such method, I will report this BNM.
*
Yes, this doesn't sound right. We cannot expose all credit card details includes CVV in a physical form.
realitec
post Oct 26 2018, 12:49 PM

Emiko for life~
*******
Senior Member
2,933 posts

Joined: May 2017
From: Labuan Federal Territory


Good afternoon.
Let's say statement date 27 October (Saturday), if i swipe on 27 October (Saturday), i will pay in next statement right? instead of 27th October as the transaction will be posted on Monday. Kindly advise.

THanks.

This post has been edited by realitec: Oct 26 2018, 01:02 PM
ClarenceT
post Oct 26 2018, 01:20 PM

10k Club
********
All Stars
13,563 posts

Joined: May 2015
QUOTE(realitec @ Oct 26 2018, 12:49 PM)
Good afternoon.
Let's say statement date 27 October (Saturday), if i swipe on 27 October (Saturday), i will pay in next statement right? instead of 27th October as the transaction will be posted on Monday. Kindly advise.

THanks.
*
You must make sure your card and the merchant's machine are not from the same bank.
If you are using a Maybank CC, then you have 30% chance the transaction will be posted on the same day. (30% local merchants using Maybank)
realitec
post Oct 26 2018, 02:06 PM

Emiko for life~
*******
Senior Member
2,933 posts

Joined: May 2017
From: Labuan Federal Territory


QUOTE(ClarenceT @ Oct 26 2018, 01:20 PM)
You must make sure your card and the merchant's machine are not from the same bank.
If you are using a Maybank CC, then you have 30% chance the transaction will be posted on the same day. (30% local merchants using Maybank)
*
I see, so to be save, i should swipe my card on 28th so that i will pay on next statement. Thanks.
cybpsych
post Oct 26 2018, 02:10 PM

---------------------
*********
All Stars
62,906 posts

Joined: Jan 2003
QUOTE(realitec @ Oct 26 2018, 02:06 PM)
I see, so to be save, i should swipe my card on 28th so that i will pay on next statement. Thanks.
*
unless you are sure about the merchant's posting history (based on past transactions), definitely safer to swipe after statement date.

realitec
post Oct 26 2018, 04:02 PM

Emiko for life~
*******
Senior Member
2,933 posts

Joined: May 2017
From: Labuan Federal Territory


QUOTE(cybpsych @ Oct 26 2018, 02:10 PM)
unless you are sure about the merchant's posting history (based on past transactions), definitely safer to swipe after statement date.
*
Noted. Thanks for your reply smile.gif HAve a good weekend.
katowwe
post Oct 26 2018, 06:08 PM

Getting Started
**
Junior Member
161 posts

Joined: Aug 2016
Self employee that is so difficult to apply credit card.
I tried almost 4 bank and all rejected. They said I no have EPF.
no EPF really cant apply credit card?
Self employee use income tax e-B form to apply also rejected.

beLIEve
post Oct 27 2018, 10:18 AM

三軍都督
*******
Senior Member
6,978 posts

Joined: Jan 2005


https://www.mastercard.com.my/en-my/consume...ontactless.html

Be rewarded for paying with tap & go
Use Mastercard contactless and enjoy bountiful rewards when you catch
our truck at selected malls in Klang Valley over the weekends.
SUSDavid83
post Oct 27 2018, 10:23 AM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(beLIEve @ Oct 27 2018, 10:18 AM)
https://www.mastercard.com.my/en-my/consume...ontactless.html

Be rewarded for paying with tap & go
Use Mastercard contactless and enjoy bountiful rewards when you catch
our truck at selected malls in Klang Valley over the weekends.
*
Only at Klang Valley? dry.gif
beLIEve
post Oct 27 2018, 10:30 AM

三軍都督
*******
Senior Member
6,978 posts

Joined: Jan 2005


QUOTE(David83 @ Oct 27 2018, 10:23 AM)
Only at Klang Valley?  dry.gif
*
Ummm looks like it. I just saw the ad on Facebook that links to mastercard.com.my. Thought might be beneficial to people who happen to go these malls.

274 Pages « < 94 95 96 97 98 > » Top
 

Change to:
| Lo-Fi Version
0.0304sec    0.58    6 queries    GZIP Disabled
Time is now: 29th March 2024 - 02:39 PM