if someone's record shows he is a good paymaster, can he negotiate for better interest rates for PL?
Personal Loan, which banks offer the best deal?
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 Oct 29 2009, 09:36 AM
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Nov 1 2009, 12:42 AM
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I received call from HLB yesterday, they offer me cash advance from my credit card, surprisingly that the interest rate is cheapest than PL. Upon withdrawal charges 3%, service charges Rm25 (one time), 3.2% interest per year. Very cheap, right? But I told him I dun need cash, I have a lot of cash
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Nov 1 2009, 09:20 PM
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#3
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QUOTE(ahnien @ Nov 1 2009, 01:53 PM) weird. that would be killing off HLB's own PL Hey, I made the wrong statement, it is ZERO interest, only pay for the 3% one time charge & RM25 processing fee. But not all card members are eligible, only those "Selected" CC members can apply, I am one of them but I still refuse coz no need money now... but i think they only offer to customers with good payment records. i heard one of my customer with citibank creditcard, he said citibank provided him cash advance at 4%+ as well. not bad oso. i guess they dint mention, once you default or made any late payments, the interest rate goes back to 17.5%  cash advance is dangerous!!! dont ever touch it. unless its really for emergency and you are sure you can repay it the next day. most cash advance profit rate is calculated on daily rest  |
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