QUOTE(shawnme @ Apr 14 2021, 10:09 PM)
Frank :
I've been applying for for Frank since last year..what a mess..
They've been throwing me around various branches, end up require me to go all the way back to the branch nearest to my address in IC. Same thing with customer service, some says no issue, while some ghosted me. With the off and on MCO, been delaying since last year when I first tried.
Besides, for Frank, there's some annual fee or something incurred.. I did the calculations long time ago (sorry, forgot).. And i considered it cost incurred, and to recover that amount may cut into "profits/time" as well.
Go+ :
In terms of Go+, not much use for it anyway and it's a dilemma for my case. Not much use due to the 9.5k limit, and I'm not able to cash in via FPX, shows unsuccessful. Currently just playing around by reloading through FPX into ewallet then into Go+, but afraid of being flagged or whatever for withdrawal and stuff. I know it should be okay since I'm not using credit card for that, but who knows what they think. Besides, I do reload with credit card for ewallet transactions. So I'd rather not have issue with them as their customer support takes ages to reply, and I do depend on the app alot for tolls.
Anyway, thanks for all the replies, I'll assume for now that "Tuesday" incrues interest. So it's around 4 days for Versa, while Go+ is 3 days. Meanwhile, I'll reconsider Frank again if I have the motivation to go to the branch.
With the current projected inflation rate, I'm squeezing every bit just to stay.
Bruh Frank debit card annual fee is only RM8.
Go+ rate is 1.4%, Frank is 2.4% annually, with RM1000 initial deposit with no subsequent deposit, GO+ you get RM14 interest, Frank you get RM24 in interest, deduct the RM8 annually you also untung 0.2% already la, you deposit more emergency fund into Frank that RM8 is peanuts.
Sometimes you have to think of economies at scale, don't be penny wise pound foolish. My application to OCBC Frank was very smooth, register online, walk into branch instant get debit card, the banker explain everything in detail. Just they will also hardsell you insurance at the same time so beware. You can try apply at Subang USJ branch if it's convenient for you.