ohhh...Visa Wave leh?

hey, I have a question...regarding those 0% installment feature we get from credit cards. Who gives the installment feature actually? The card or the outlet you purchase from? I called up Maybank the other day and they say it is totally dependent on the shop itself. If that's the case...why Maybank put 0% EzyPay in their ad?

and it sounds like you can get 0% installment from any other cards....as long as the shop allows it.

oh...ic
never use before ma...why the
I have no need for expensive stuffs

waa...how many cards do you have

Don't HSBC have other branches besides in Bayan Baru?

they're all nonsense. You know that 1800 complaints number on all trucks, lorries or busses? Not even those work properly. It was reported in the news...they even played the voice recording. What a stu***

probably the only way to complain is to have the article posted on the newspaper. Those usually get responses.

This post has been edited by Aeon_Clock: Jan 16 2008, 10:59 AM

if you do prompt repayment (means pay on time & satisfy the "minimum payment") for 12 out of 12 months...they drop the interest rate from 1.5% per month to 1.25%. If you accumulate them up (1.25*12mths) the total is 15% lo

simply put:-

12 months prompt repayment - 15% per annum / 1.25% per month
10 months prompt repayment - 17% per annum / 1.42% per month (if you missed 1 or 2 datelines)
less than 10 months prompt repayment - 18% per annum / 1.5% per month (if you missed more than 3 datelines)

as for whether they will give you the 15% or 17% AFTER 12 months or not...its not mentioned.

this rule is decided by Bank Negara...I believe all local banks have to follow this rule. So far, I know 3 banks have already put up the announcement. Maybank, HSBC and some other. All say the same thing and start on the exact same date - July 2008. Not sure about International banks like Std Chart and all...

oh ya, there's also some changes to the late payment charges. I'm not sure what it was last time...but now they're charging 1% levy (tax) on your statement balance or RM10; whichever is higher.

and there's no more 20 day free interest rate if you don't pay your previous month's transaction. Means if you spent RM300 on March, you'll have to repay that same amount (or more) to get the 20 day free interest rate.

damn RHB...told them I'll take the new card at the 1 Utama branch...they just had to send it through the mail making me wait longer.

anyone here using Mastercard? Can you see the back of your card...is there a Cirrus logo? My RHB card doesn't have it...

My Maybank card also got...why RHB dun have? What's Cirrus already ah? Totally forgotten.

oh, so its not some form of security? That's quite a relief.

&#@$%@&#@$&@#&@$@&#&@$@&#@&#
they just had to come up with this promotion right after I got my RHB Travelmoney

hey, after the 31st July 2008 promotion period...are they still gonna give points for using the card at Petronas?

plus, their rebate don't have promotional period...meaning it'll go on till after 31st July 2008, rite?

---

Added on January 30, 2008, 4:33 pmwah, 1X points also tak ada?

This post has been edited by Aeon_Clock: Jan 30 2008, 04:33 PM

I don't think its a scam. The line only mentions your maximum rebate per month. Not how much you need to spend to get a rebate.

that's what everybody wants. Its a little weird and troublesome to have that machine at a shop but can only accept Visa OR Master...

both are pretty equal I must say. Although CIMB has slight advantage with their (probably forever) 2% rebate compared to Maybank's 5X points till July.

I'm just wondering if you drive at all...fuel prices for all petrol station are the same. There's no difference between them besides the contents and such. The only difference would be more special made/mixed petrol such as Shell's V-Power.

btw, I'm a very frequent Petronas user. That's why I'm considering to get this card. I just don't understand why they had to bring it out now of all times. Almost everyone would be busy going back hometown and applying for a card now seems...like the wrong time.

well, there are a few exceptions...like the most active member in the Credit Card thread

btw, why didn't you apply with Robyn or Wacky-Angel?

just remembered 1U got Maybank credit card centre at the new wing. Gonna go there and register for the card tmr or the day after.

2% rebate is better...but I don't think 0.5% rebate is that useful. I think its only for selected outlets...

http://www.maybank2u.com.my/consumer/onlin.../benefits.shtml


This post has been edited by Aeon_Clock: Jan 31 2008, 08:44 AM