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Opening bank account without debit card charges
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MilesAndMore
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 Oct 31 2017, 11:02 PM
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Look at all my stars!!
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QUOTE(howszat @ Oct 31 2017, 09:18 PM) Well, you have much to learn and experience, my dear. QUOTE(howszat @ Oct 31 2017, 09:29 PM) Note, how they don't say they would not give you the card? They say "out-of-stock". If complaining about out-of-stock is a valid BNM complaint, yes, go ahead. Otherwise, BNM probably will tell you wait since you don't have a valid complaint. Well, all depends on how much time and effort you want to spend on something that might not get you anywhere. I’ll have to disagree with the above statements. I am using a non-fee BSA from the much complained CIMB Bank mainly due to their higher annual fee for their debit MasterCard. The card they issue to non-fee BSA account is the exact same debit card they issue to all other accounts that come with RM15.90 annual fee. So there is actually no reason for them to tell you they have run out of stock of the free debit card. Same situation with my RHB Bank and AmBank non-fee BSA too. The same generic debit card is given to me but it doesn’t come with annual fee as my account is the non-fee BSA. This post has been edited by MilesAndMore: Oct 31 2017, 11:03 PM |
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MilesAndMore
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Nov 1 2017, 05:01 PM
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Look at all my stars!!
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QUOTE(judehow @ Oct 31 2017, 11:24 PM) Normally for a BSA it is 0.25%. CIMB Islamic Bank BSA-I comes with 0.90% profit per annum. |
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MilesAndMore
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Nov 2 2017, 12:42 AM
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Look at all my stars!!
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QUOTE(howszat @ Nov 1 2017, 08:38 PM) I was simply stating the response I got when I asked. There is nothing to disagree about. As I said, how much time and effort you want to spend on something like this, including complaining all the way to BNM is up to you. Is this banking thing your hobby? Or you have banking credentials? That would be useful for this forum to know. And some of us here were also merely sharing our actual experience in getting the debit card without paying a single cent and it was pretty much an effortless effort. The disagree part was about the part you made it like one has to spend a lot of time to get this done, to the point one might needs to lodge a complaint to BNM. I went to CIMB Bank and requested for a non-fee BSA-I. They told me it comes with limited ATM withdrawals which I acknowledged and told them it is fine. So they proceeded to open the requested account type for me right away. Didn’t need to complain to BNM. |
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MilesAndMore
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Nov 2 2017, 11:48 PM
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Look at all my stars!!
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QUOTE(Nom-el @ Nov 2 2017, 06:18 PM) The rate for CIMB Islamic Bank BSA-I is 0.7% p.a. now. Noted. Thanks QUOTE(howszat @ Nov 2 2017, 07:22 PM) If you re-read, you will find that it's actually someone else who raised the point of complaining to BNM, not me. That someone was only giving a suggestion provided the bank staff absolutely refuses to open a non-fee BSA for you. I’m sure he had no problem opening a non-fee BSA in the past. |
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MilesAndMore
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Nov 4 2017, 02:30 AM
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Look at all my stars!!
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QUOTE(howszat @ Nov 4 2017, 02:23 AM) That's not what I was referring to before and you well know it. I looked for your post to quote what you actually said, but you have since edited out the point where you said I was the one who raised the point about BNM. Please, if you want to reply, don't edit your original post, thanks. Don't do any more editing or censoring, thank you. You may want to check the time the post was edited before you start throwing allegation that I tried to mask something, which was only a minute after the post was posted and your subsequent reply was posted many hours after I posted the first reply. Never did I edit out anything other than a typo or something. |
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