Hi all,

If a bank is unable to explain the abnormally high interest charges in my credit  card statement when I request for the calculation, can I bring the matter up to Bank Negara?

They are citing that the figures are calculated by the system and it would take a long time to obtain the calculation, all those excuses.

It is from transaction date. And the interest of RM57 is incorrect. I can tell you because it is from my experience. I insisted the bank to give me the breakdown of interest because the amount that I calculated is different. Here is the calculation of interest.

For eg, statement date 31.5.2017. Due date 20.6.2017. Payment date is 22.6.2017. Interest 18% pa

3.5.2017 Transaction A RM200. Interest: RM200 x 18% x 50 days(3.5.2017-21.6.2017)/365days = RM4.93
5.5.2017 Transaction B RM300. Interest: RM300 x 18% x 45 days(5.5.2017-21.6.2017)/365days = RM6.66
Hope it helps.

sorry for the nop or repeated question coz i jz received my 1st mbb cc today.
wanna ask usually for the mbb cc statement release is on the day i activate the card or every 1st of the month? thx

thx for the advice    actually i not yet active my card yet 

how abt the due date payment? it is on 1st of the month start counting even i activate my cards & start spending it in the middle of the month? thx

If outstanding balance of rm1 to get 5% cb still worth it. Interest paid only 15cents

Hi, my credit card limit is RM3,000. But I am going to purchase a furniture which cost more than that. Just called HLB and the operator said I am not eligible to apply for temporary increase credit limit as I am new card holder. So if there is anyway I can do to get the credit limit increase? I ever read from 1 post, is it i will just transfer more money to the credit card, so the limit will increase? Let's say if I am buying a RM4,000 furniture. I will need to transfer RM1,000 in advance to the credit card. Then use the credit card to swipe RM4,000. Please advise. Thank you in advance.

Need advice, assume my statement balance is RM400. After that I have cash rabate and refund, so the outstanding balance is RM350.
Normally every months I pay statement balance. This time I want to just pay the lesser outstanding balance, because I plan to cancel the card soon.
Just wonder will it consider late payment and charge interest?

It is CIMB bank.

Just some questions regarding statement balance.

I have already paid the statement balance but the amount is still shown in the account details section.

I always paid the outstanding balance.

Am i doing it wrong or something?

Hi,

My Citibank Statement date is on tomorrow, ie. 28 November 2017 which is due date is on 17th December 2017. If i swipe on tomorrow morning, will it posted on the same day? My question is, whether this transaction should be settled on 17th December or I can drag until 17th January 2018?

Thanks.

Applied MBB 2 Gold Card thru RinggitPlus. After that, gatal2 check CCRIS. Car loan so nice, but PTPTN! I pay PTPTN religiously, according to monthly payment set out by them. But I was surprised by more than 80 arrears (which accumulated during servicing account 1 and 2). The next day, I settled all my arrears and outstanding loan, and eligible for 20% discount. Pheww.

Few days later, got SMS from MBB '...unable to accede to your card application'. Yeah expected la kan with 80 months outstanding in CCRIS. Then appeal thru email, attached PTPTN settlement letter and ledger (to prove that I actually pay PTPTN every month).

While waiting for the result, got call from MBB Card Center. They offer me MBB Petronas Ikhwan. Just layan je lah without telling her my current application and appeal for MBB 2 Gold.

Now its already 4-5 days after MBB acknowledge my appeal and that call center offer. Still no words from them. Sure fail kah?

does that mean, in order to stop the interest being charged. I have to pay off ALL of the outstanding balance?

Pbb for my case, I already owned a quantum card, and want to apply new VS and new Platinum Islamic, officer then called if I want Islamic then they will cancel my quantum and proceed with Islamic application.

For ppl purpose only, fruitie got me..lol

i tried aeon, somehow they rejected.

which is the best credit card for petrol pumping ?

Yes. Especially cards which I always use and have it the longest. My AmEx is one of the cards that looks like that.

Just want to ask, bought something from online merchant website.
Payed using CC with OTP, however transaction failed, did not receive SMS alert from bank on successful transaction, nevertheless tried calling PB customer service could not get through. Gave up after trying for 30 minutes and went to sleep. Next day checked on my online statement shows that the transaction was charged.

Called PB they said funds already authorized by merchant company. Tried sending service ticket and email at merchant company (foreign company) they did not reply almost for 3 days.
PB cs said that they can only regard this transaction as dispute.

What are the chances of recovering or not paying for this transaction as i did key in the OTP? What do banks do after classifying a transaction as dispute? Quite blur with this and what should i do? Payment in USD using Mastecard.
Tried looking for information online but almost all is regarding stolen cards charged.

I'm not sure what you mean by authorized charge. It's in my unbilled statement on PB website with DR listed next to it.