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SST CREDIT CARD, incoming???
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andyjyneo
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Aug 17 2018, 05:16 PM
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QUOTE(tokdukun @ Aug 17 2018, 05:12 PM) If LGE smart, he can counter say but now make online payment/transfer, no more GST or SST. Last time if IBG transfer, bank charge 10 sen, Kastam earn 1 sen, that's 10% GST rate yo. Pay by cheque got 50 sen charge, Kastam earn 3 sen. Now zero, satu sen pun tak ada. Correct, but CC got its own benefits. Hehe
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tokdukun
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Aug 17 2018, 05:21 PM
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QUOTE(tiestoycc @ Aug 17 2018, 05:09 PM) lol... damn it! that's true... i hope that can be waived too Unlikely, LGE considers lowering to RM25 is good deal for taxpayers, half price vs old SST. QUOTE(andyjyneo @ Aug 17 2018, 05:16 PM) Correct, but CC got its own benefits. Hehe Yea, cashback alone can cover cost of prudence tax. But I got too many cards, I guess need to cancel those not actively used ones
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SUStiestoycc
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Aug 17 2018, 05:28 PM
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Getting Started

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QUOTE(jfleong @ Aug 17 2018, 05:13 PM) Ultimately it will still cost you, because banks cannot "waive" it. They can offer to pay it for you or offer you cash backs , but still it will come out of your perks If their perks decrease or gets restricted but they offer a RM25 cash back for spending money RMXX , you know why QUOTE(tokdukun @ Aug 17 2018, 05:21 PM) Unlikely, LGE considers lowering to RM25 is good deal for taxpayers, half price vs old SST. Yea, cashback alone can cover cost of prudence tax. But I got too many cards, I guess need to cancel those not actively used ones  hmmm... no choice lo, just have to cancel those unused ones, damn it!
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anonymous552235
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Aug 17 2018, 06:42 PM
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Getting Started

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QUOTE(niceguypenang @ Aug 17 2018, 02:11 PM) May be you are rich fellow brother. There is a limit ceiling at income tax at most max. is 28-29% after that they don't need to pay anything else in term of tax even if they earn 1,2,5 or more millions. Maybe on the road tax, if you can buy a RM150K above car and pay only the same road or similar road tax rate, then it is not fair. Remember those who purchase average car like honda city/vios or medium range also pay the similar tax rate on the car. Also maybe the government should increase the income tax ceiling higher to 35% to tax more on the rich. In Malaysia, most of the people earning bracket is still far below. Even most cannot afford to buy a house these days. I drive proton =) As i said again, its not about rich or poor, its of owns control to their spending, my opinion too, no one wants to pay the government for something not rightfully theirs as auch tax
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Pacmangoku
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Aug 17 2018, 10:14 PM
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Habislah got 10cards gona cancel half of them.
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andyjyneo
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Aug 19 2018, 06:28 PM
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ohnowhyme
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Aug 19 2018, 06:48 PM
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Getting Started

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GG cc agent
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malcolm86
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Aug 19 2018, 08:31 PM
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Getting Started

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QUOTE(niceguypenang @ Aug 17 2018, 02:11 PM) May be you are rich fellow brother. There is a limit ceiling at income tax at most max. is 28-29% after that they don't need to pay anything else in term of tax even if they earn 1,2,5 or more millions. Maybe on the road tax, if you can buy a RM150K above car and pay only the same road or similar road tax rate, then it is not fair. Remember those who purchase average car like honda city/vios or medium range also pay the similar tax rate on the car. Also maybe the government should increase the income tax ceiling higher to 35% to tax more on the rich. In Malaysia, most of the people earning bracket is still far below. Even most cannot afford to buy a house these days. bro, u should check our malaysia's car excise duty before talk about road tax
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tatamiusuka
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Aug 22 2018, 09:46 PM
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QUOTE(jfleong @ Aug 11 2018, 06:47 PM) That is CCRIS, regulated by BNM. Only for bad credit and current financial obligation (others loans, and monthly payment) not for info like how many cards you have, what is the credit limit on each card etc Obviously you did not know what is show in crisis report. Come on man. Go BNM or AKPK to apply for online CCRIS. Then you will know. All the thing is listed there. Even your debt is 0.
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tatamiusuka
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Aug 22 2018, 09:50 PM
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QUOTE(teehk_tee @ Aug 11 2018, 05:49 PM) I wonder why ppl hv more than 3 cards I rather have 2 cards, each card limit 300k Than 5 cards 10k each Obviously, you did not see all the card benefit. Some of the card give you more advantage on some merchant. Other give you other benefit. Like some time Citibank offer book wth agoda you direct get RM50 rebate. Go shopping mall to walk around and you will see all this benefit.
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fantasy1989
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Aug 22 2018, 09:54 PM
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just canceled two low usage card
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fantasy1989
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Aug 22 2018, 09:57 PM
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QUOTE(teehk_tee @ Aug 11 2018, 05:49 PM) I wonder why ppl hv more than 3 cards I rather have 2 cards, each card limit 300k Than 5 cards 10k each different card got their own benefit for me buy coffee bean = citibank clear card (b1f1) installment = maybank easy payment is the best if buy flight ticket = cimb visa infinite (8x point oversea + free 1mil travel insurance) my recent business trip get me free air purifier (exchange with point) This post has been edited by fantasy1989: Aug 22 2018, 09:59 PM
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fantasy1989
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Aug 22 2018, 10:02 PM
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QUOTE(jfleong @ Aug 11 2018, 06:47 PM) That is CCRIS, regulated by BNM. Only for bad credit and current financial obligation (others loans, and monthly payment) not for info like how many cards you have, what is the credit limit on each card etc you can purchase ctos report (which ctos get those result from CCRIS) . it clearly stated your past 2 year record and currently how many CC / loan and every individual card limit + outstanding from every bank This post has been edited by fantasy1989: Aug 22 2018, 10:03 PM
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iamnotkobe
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Aug 23 2018, 11:08 AM
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New Member
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Thanks PH gov, couldn't express more of my gratitude for increasing my living cost
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ju146
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Aug 23 2018, 11:12 AM
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QUOTE(fantasy1989 @ Aug 22 2018, 10:02 PM) you can purchase ctos report (which ctos get those result from CCRIS) . it clearly stated your past 2 year record and currently how many CC / loan and every individual card limit + outstanding from every bank why you need CTOS that literally doesn't represent anything? CCRIS is final and you can print it at BNM kiosk.
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yhtan
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Aug 23 2018, 11:21 AM
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RM25 will be impose on annual basis following the card expiry month, let say your card is 11/20, which mean it will charge on Nov 2018.
For those who want to avoid this charge, please cancel before the expiry month. For new card application after Sept 2018, on the activation date itself will charge RM25.
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kembayang
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Aug 23 2018, 11:30 AM
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So I have to pay RM50 in total for Maybank2Cards?
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cybpsych
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Aug 23 2018, 11:56 AM
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QUOTE(lolento @ Aug 23 2018, 11:05 AM)
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cybpsych
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Aug 23 2018, 11:57 AM
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QUOTE(kembayang @ Aug 23 2018, 11:30 AM) So I have to pay RM50 in total for Maybank2Cards? need to wait for maybank to formulate their approach.
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ykj
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Aug 23 2018, 12:01 PM
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Credit card users should mass write up to ppm@pmo.gov.my to abolish this draconian tax on credit cards.
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