serious?

did you read how to achieve the 6% cb tier?

offer letter is for bank to roughly know your expected salary.

P&C in this context is relevant to the company lah, e.g. sharing with colleagues if you use it to buy a BMW or show at mamak/kopitiam, company dont care wat. what can the company do to punish you for flaunting your offer letter in mamak stall?

banks have stricter policies than companies, it's the trustworthiness for them to keep documents confidential and whether you are deperate to get their cards.

well, that's the little trust u need to extend lor.

some paranoid about giving income documents to agents. some dont care does the "free gift(s)" worth the worriness and paranoia?

if not, just apply direct from bank. via email or online form.

No more Instant Transfer fee for e-payments below RM5,000 from July 1, 2018

http://www.thesundaily.my/news/2017/12/08/...000-july-1-2018

KUALA LUMPUR: In a bid to facilitate migration to the e-payment space, Bank Negara Malaysia (BNM) has announced that the Instant Transfer fee of 50 sen for transactions below RM5,000 made by individuals and small and medium enterprises (SMEs) will be waived, effective July 1, 2018.

"To drive the migration to e-payments during the transition period, the Instant Transfer fee of 50 sen will be waived for transactions up to RM5,000 per transaction made by individuals and SMEs effective July 1, 2018," BNM governor Tan Sri Muhammad Ibrahim said in his keynote address at the 2017 Payments Forum & Exhibition held earlier today.

He noted that cheques are a costly payment option compared with e-payment, given its processing cost of RM4, in contrary to Interbank GIRO and Instant Transfer which would only cost around 30 sen per transaction.

The usage of some 120 million cheques in 2017 has translated into an enormous cost of RM484 million, which Muhammad deemed as a sheer wastage to the economy.

However, the usage of cheques has declined 42% since 2011 from 205 million to 120 million in 2017.

In view of the high processing cost for cheques as well as to hasten migration to the e-payment space, Muhammad said cheque fee will be hiked from 50 sen to RM1 from Jan 2, 2021 and "gradually thereafter to reflect the actual cost of cheque processing".

Meanwhile, the central bank has issued an exposure draft on its website, in which it had outlined the proposed requirements for the Interoperable Credit Transfer Framework (ICTF).

"To encourage Quick Response (QR) code payment, avoid market fragmentation and broaden financial inclusion, BNM has issued the ICTF for consultation. The ICTF aims to connect both banks and eligible non-bank e-money issuers to ensure reachability of bank accounts and e-money accounts," Muhammad said.

"For the first time in our history, customers of both banks and non-banks will soon be able to transfer funds across the network seamlessly by just referencing the mobile number and IC numbers of the recipients or scanning the QR code of the recipients," he added.

The platform to facilitate the shared infrastructure payment service, known as Real-Retail Payments Platform (RPP) is currently being developed by Payments Network Malaysia (PayNet) and is slated for completion in June 2018.

PayNet which is the merged entity between MEPS and MyClear will be the operator of the shared payment infrastructure.

what's so good about it?

for waiver, ask CS to find out. or check the T&C or PDS if there's min swipe condition to auto-waive.

nothng special about this card. other cards are still better with less condition.

have you read the features and benefits of the card? from the link you gave?

Gen-X blogs returns....

https://genxgenygenz.com/2017/12/25/genx-ge...de-viii-reborn/

it takes time for merchants to follow the new guideline. so far, no unwanted issues encountered.

or, remind the staff NOT to swipe at their POS after payment completed.

This post has been edited by cybpsych: Jan 3 2018, 05:11 PM

dont really understand the reasons

for installment, you STILL need to pay the monthly installment, right? even if you use diff card for installment, it doesnt stop you from paying, right?

for monthly usage, e.g. grocery, you STILL need to pay, right? even if you use diff card for grocery, it doesnt stop you from paying, right?

in both scenarios above, both charges would still be posted in your monthly statement, and you pay accordingly (statement balance @ payment due date).

i dont see why you would incur huge interest if you promptly clear the statement amount by payment due date.

post here >> https://forum.lowyat.net/topic/4161836

follow template from post 1

call the respective card/bank to find out your statement date.

it has detailed transaction inside, cut-off according to statement cycle

have u check what type of cards does the developer accept?

as a general practice, pay according to statement balance. rm2 not worth the annoyance and worries.

should be hlb mach.

post your questions here >> https://forum.lowyat.net/topic/4161836 . follow template from post #1

or, read thru last few pages of recommendations posted. there are tons of quick summary of popular cards.

no issue. your question is too broad and generic, diff ppl can recomend diff cards. else, 10 ppl will just give their suggestions blindly, probably only few will suit your need.

be more specific to your requirements and also share with us your avg monthly spending $$, at which platform or merchants.

new MyTNB app for those paying/checking tnb bills via mobile app

https://play.google.com/store/apps/details?...tnb.mytnb&hl=en

Welcome to the new myTNB app. Track your energy consumption, pay bills at your fingertips and explore exclusive in-app features – it’s never been easier.

• A refreshed design and improved user experience: Get an overview of information that matters most to you at one glance, on a personalised dashboard.
• Track your energy consumption: View and compare your monthly usage with the interactive usage graph.
• Manage multiple TNB accounts: Link and manage all your TNB accounts on one platform.
• Pay your bills: Faster in-app payment with the option to save your credit card for seamless transactions.
• Notifications: Get notified of your new bills and much more.
• View History: Keep track of your bill and payment history in a single view.
• Promotions: Stay up to date with the latest promotions from TNB.
• Find Us: Need to locate a Kedai Tenaga? Use our handy locator to find one near you.






Brief Review:

1) liked the new design
2) no frontpage dashboard to show ALL the accounts (old app have this). i'm tracking 6 accounts, a consolidated dashboard would be nice.
3) each account dashboard has simple graph of 5+1 months of bill amount
4) wonder why they didnt replace the old app and offer separate link/app for the new edition
5) viewable bill in the app
6) havent made payment. seems to be able to "store" multiple credit cards?
7) add credit card: OCR feature by scanning your card and automatically fill in the form
8) new bill push-notification! this morning just received a push-nofiication that my bill has been recorded. immediately can view the bill statement in the app.



This post has been edited by cybpsych: Feb 27 2018, 06:55 PM

yep still can

Seems like the revamped ASTRO Self Care Portal can make payment for 3rd party accounts too.



This post has been edited by cybpsych: Feb 5 2018, 08:15 AM

there is an older mytnb app which you can make payment too.