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Banking Privilege$aver by Standard Chartered, up to 4.75%, Seems like so few people talk about it
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GrumpyNooby
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Jun 5 2020, 10:03 AM
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QUOTE(7498 @ Jun 5 2020, 09:59 AM) Hi, I am new to this account. Would like to ask, to be qualified of the 2% deposit bonus interest, I need to deposit min 3k fresh fund into this account every month? Since I don't have 3k savings per month, can I deposit 10k the first month, end of first month I withdraw 3k and deposit back in the 2nd month to get the 2% bonus interest in 2nd month? Would like to ask, to be qualified of the 2% deposit bonus interest, I need to deposit min 3k fresh fund into this account every month? Yes, min RM 3k as in FF from other banksSince I don't have 3k savings per month, can I deposit 10k the first month, end of first month I withdraw 3k and deposit back in the 2nd month to get the 2% bonus interest in 2nd month? Yes, ensure that the RM 3k comes from other banks as FF
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7498
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Jun 5 2020, 10:08 AM
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Getting Started

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QUOTE(GrumpyNooby @ Jun 5 2020, 10:03 AM) Would like to ask, to be qualified of the 2% deposit bonus interest, I need to deposit min 3k fresh fund into this account every month? Yes, min RM 3k as in FF from other banksSince I don't have 3k savings per month, can I deposit 10k the first month, end of first month I withdraw 3k and deposit back in the 2nd month to get the 2% bonus interest in 2nd month? Yes, ensure that the RM 3k comes from other banks as FFOkay, thanks for answering my queries
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tiramisu83
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Jun 5 2020, 10:41 PM
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hi all, is the daily interest credit into account everyday or only credit at the end of the month in one shot?
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GrumpyNooby
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Jun 5 2020, 10:43 PM
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QUOTE(tiramisu83 @ Jun 5 2020, 10:41 PM) hi all, is the daily interest credit into account everyday or only credit at the end of the month in one shot?  Refer to the table to understand when each category of interest will be credited into account.
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tiramisu83
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Jun 5 2020, 10:46 PM
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QUOTE(GrumpyNooby @ Jun 5 2020, 10:43 PM)  Refer to the table to understand when each category of interest will be credited into account. thanks for this explanation!
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tiramisu83
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Jun 5 2020, 10:49 PM
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QUOTE(gold_mine99 @ Jun 2 2020, 08:45 PM) Yes, you need to walk-in. I tried to appointment online previously, waited 2 months but no 1 call me and i manage to walk in open account before MCO. for CC application i think there is some cooldown period (diff bank might differ length). eg. apply on March get reject will have cooldown 3 months (any application before July will auto rejected) I register online then someone from SCB called me. Fill up form and email back, all settle within 2 working days! Super fast, if you interested open an PSA account, pm me and i can pass you the manager number.
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gold_mine99
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Jun 6 2020, 04:41 PM
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Getting Started

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QUOTE(tiramisu83 @ Jun 5 2020, 10:49 PM) I register online then someone from SCB called me. Fill up form and email back, all settle within 2 working days! Super fast, if you interested open an PSA account, pm me and i can pass you the manager number. im register for Penang branch, i guess is Penang branch short-handed
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wyh
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Jun 6 2020, 10:59 PM
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QUOTE(gold_mine99 @ Jun 6 2020, 04:41 PM) im register for Penang branch, i guess is Penang branch short-handed same... i didnt not get a contact from them since a week registering already
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cclim2011
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Jun 7 2020, 01:11 AM
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QUOTE(GrumpyNooby @ Jun 5 2020, 10:03 AM) Would like to ask, to be qualified of the 2% deposit bonus interest, I need to deposit min 3k fresh fund into this account every month? Yes, min RM 3k as in FF from other banksSince I don't have 3k savings per month, can I deposit 10k the first month, end of first month I withdraw 3k and deposit back in the 2nd month to get the 2% bonus interest in 2nd month? Yes, ensure that the RM 3k comes from other banks as FFFF = fresh fund? if come from other bank, under what condition it is not considered FF? Within same day? Thanks.
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GrumpyNooby
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Jun 7 2020, 08:04 AM
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QUOTE(cclim2011 @ Jun 7 2020, 01:11 AM) FF = fresh fund? if come from other bank, under what condition it is not considered FF? Within same day? Thanks. If you transferred within accounts under SC and SC Saadiq, it is not considered as fresh fund. Alternatively, you can make a single deposit of RM 3k with cash at SC or SC Saadiq branches OTC or using CDM/CRM. That will be counted as FF. This post has been edited by GrumpyNooby: Jun 7 2020, 08:33 AM
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cclim2011
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Jun 7 2020, 12:39 PM
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QUOTE(GrumpyNooby @ Jun 7 2020, 08:04 AM) If you transferred within accounts under SC and SC Saadiq, it is not considered as fresh fund. Alternatively, you can make a single deposit of RM 3k with cash at SC or SC Saadiq branches OTC or using CDM/CRM. That will be counted as FF. alright got it. thanks. at least 1-time min 3k from other banks or via cdm (and recorded) anytime within the month. the word fresh is a lil confusing haha.
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Anangie
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Jun 13 2020, 11:28 AM
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Getting Started

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For 2% of deposit bonus interest, could i ibg from other bank rm3k and withdraw back to the bank on the same time? Will it still qualify?
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zenquix
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Jun 13 2020, 03:38 PM
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QUOTE(Anangie @ Jun 13 2020, 11:28 AM) For 2% of deposit bonus interest, could i ibg from other bank rm3k and withdraw back to the bank on the same time? Will it still qualify? should be ok altho to be fair i have never done it, and i would not necessarily recommend u do it on the same day.. what i would normally suggest is you transfer 3k in near your credit card due date, pay the statement, then transfer out the remaining amount
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datolee32
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Jun 13 2020, 04:26 PM
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Hi, I would like to ask about monthly average balance calculation. If i deposit RM 1k at 11pm tonight, interest from RM1k count today or tomorrow?
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Anangie
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Jun 13 2020, 04:26 PM
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Getting Started

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QUOTE(zenquix @ Jun 13 2020, 03:38 PM) should be ok altho to be fair i have never done it, and i would not necessarily recommend u do it on the same day.. what i would normally suggest is you transfer 3k in near your credit card due date, pay the statement, then transfer out the remaining amount I have performed the credit card payment last month. PSA account money was deducted but found that the money is not credited into cr card on same day.
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GrumpyNooby
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Jun 13 2020, 04:35 PM
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QUOTE(datolee32 @ Jun 13 2020, 04:26 PM) Hi, I would like to ask about monthly average balance calculation. If i deposit RM 1k at 11pm tonight, interest from RM1k count today or tomorrow? Should be today. Somebody mentioned that the cut off time of the day is midnight strike.
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datolee32
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Jun 13 2020, 04:41 PM
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QUOTE(GrumpyNooby @ Jun 13 2020, 04:35 PM) Should be today. Somebody mentioned that the cut off time of the day is midnight strike. I see, thank you very much.
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GrumpyNooby
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Jun 13 2020, 04:42 PM
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QUOTE(Anangie @ Jun 13 2020, 04:26 PM) I have performed the credit card payment last month. PSA account money was deducted but found that the money is not credited into cr card on same day. But you credit card credit limit will be updated once the payment has made from your PSA account?
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Anangie
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Jun 13 2020, 04:46 PM
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Getting Started

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QUOTE(GrumpyNooby @ Jun 13 2020, 04:42 PM) But you credit card credit limit will be updated once the payment has made from your PSA account?  I did not checked on credit card limit. As i perform future date payment (which is on credit card due date) and i checked on that day, found that the payment yet credited into cc, the payment was only reflected after that, but not in same day.
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GrumpyNooby
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Jun 13 2020, 04:48 PM
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QUOTE(Anangie @ Jun 13 2020, 04:46 PM) I did not checked on credit card limit. As i perform future date payment (which is on credit card due date) and i checked on that day, found that the payment yet credited into cc, the payment was only reflected after that, but not in same day. I believe so. If I remember correctly, even you pay using Instant Fund Transfer/DuitNow from other bank, the online ledger isn't updated immediately right? But your credit limit will be reflected after payment made.
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