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 CREDIT Card Thread v2, Everything about the world of plastic

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hye
post Feb 3 2008, 06:17 PM

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QUOTE(David83 @ Feb 3 2008, 05:36 PM)
So you able to view your statement online? Is there a section to show your accumulated DA points too?
*
What you can see via CIMBClicks (for both CIMB and DA cards) would be the

Transaction date
Posting date
Transaction description
Amount Charged

Unfortunately there's no PDF version of the statement that you can download nor it shows your accumulated DA points. David83 if you are familiar with Maybank2U transaction cc display ... it's about the same thing.

This post has been edited by hye: Feb 3 2008, 06:19 PM
SUSDavid83
post Feb 3 2008, 06:39 PM

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QUOTE(hye @ Feb 3 2008, 06:17 PM)
What you can see via CIMBClicks (for both CIMB and DA cards) would be the

Transaction date
Posting date
Transaction description
Amount Charged

Unfortunately there's no PDF version of the statement that you can download nor it shows your accumulated DA points. David83 if you are familiar with Maybank2U transaction cc display ... it's about the same thing.
*
I'm very familiar with M2U CC transaction display. On top of that, with M2U, one could view the accumulated TP. M2U also doesn't offer itemizied statement in PDF form like HSBC.
hye
post Feb 3 2008, 06:44 PM

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QUOTE(David83 @ Feb 3 2008, 06:39 PM)
M2U also doesn't offer itemizied statement in PDF form like HSBC.
*
I favor CC with e-Statement (PDF) facility as I don't have to bother about the statement in paper form anymore. You can keep years of statement without the need to worry about the tons of paper that it accumulates. rclxms.gif
SUSDavid83
post Feb 3 2008, 07:02 PM

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QUOTE(hye @ Feb 3 2008, 06:44 PM)
I favor CC with e-Statement (PDF) facility as I don't have to bother about the statement in paper form anymore. You can keep years of statement without the need to worry about the tons of paper that it accumulates.  rclxms.gif
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But HSBC doesn't offer a paperless option. Either you received the printed or you get both PDF and printed. There's no option for not receiving the printed statement. Come to think about it's kind of waste of papers.
hye
post Feb 3 2008, 07:05 PM

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QUOTE(David83 @ Feb 3 2008, 07:02 PM)
But HSBC doesn't offer a paperless option. Either you received the printed or you get both PDF and printed. There's no option for not receiving the printed statement. Come to think about it's kind of waste of papers.
*
Emm yes ... I miss out on that point. blush.gif
vin_ann
post Feb 3 2008, 07:08 PM

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QUOTE(David83 @ Feb 3 2008, 05:36 PM)
So you able to view your statement online? Is there a section to show your accumulated DA points too?
*
not really statement online. but transaction by months.

i was previously have problems bcoz of :

The CIMBClicks ID is the ID that you must use for subsequent sign-in sessions.It should be in alphanumeric format with a minimum of 6 and a maximum of 32 characters and alphabets.Password should be 8 characters. It has to consist of both alphabets and numerics characters.

the passwords bad la... only can put 8 only... can not more or can not less... sweat.gif

accumulated point din notice it. will notice it when login again.
SUSDavid83
post Feb 3 2008, 07:15 PM

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QUOTE(vin_ann @ Feb 3 2008, 07:08 PM)
not really statement online. but transaction by months.

i was previously have problems bcoz of :

The CIMBClicks ID is the ID that you must use for subsequent sign-in sessions.It should be in alphanumeric format with a minimum of 6 and a maximum of 32 characters and alphabets.Password should be 8 characters. It has to consist of both alphabets and numerics characters.

the passwords bad la... only can put 8 only... can not more or can not less...  sweat.gif

accumulated point din notice it. will notice it when login again.
*
Didn't really notice that too. My existing username is just alphabets.

Password must be 8 characters only! That sucks. They shouls change the word from "should be" to "must consist".

Password must consist 8 characters.
DDSFan8
post Feb 3 2008, 09:32 PM

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having a high credit limit can be very dangerous. As I know, Citibank don't give high credit limit because they dun want to get customers into credit risk
SUSDavid83
post Feb 3 2008, 09:38 PM

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QUOTE(DDSFan8 @ Feb 3 2008, 09:32 PM)
having a high credit limit can be very dangerous. As I know, Citibank don't give high credit limit because they dun want to get customers into credit risk
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Having too high credit limit may impose of security concern in the event of misplaced or stolen card.

I don't feel safe of carrying my CIMB DA around with me.

This post has been edited by David83: Feb 3 2008, 09:39 PM
DDSFan8
post Feb 3 2008, 10:12 PM

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from what I know now, Citibank don't charge processing fee for Balance Transfer anymore. Also, they don't have penalty for early settlement unlike other banks where the rate is RM30 to RM100
SUSDavid83
post Feb 3 2008, 10:15 PM

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QUOTE(DDSFan8 @ Feb 3 2008, 10:12 PM)
from what I know now, Citibank don't charge processing fee for Balance Transfer anymore. Also, they don't have penalty for early settlement unlike other banks where the rate is RM30 to RM100
*
Wow ... this is amazing but too bad that Citibank CC is not convenient for me to have it.

Thanks for the info.
DDSFan8
post Feb 3 2008, 10:20 PM

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then use the card for balance transfer only la. Why u want to pay other banks high interest? Payment can be made via Giro mah
hye
post Feb 3 2008, 10:22 PM

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QUOTE(DDSFan8 @ Feb 3 2008, 09:32 PM)
having a high credit limit can be very dangerous. As I know, Citibank don't give high credit limit because they dun want to get customers into credit risk
*
Emm ... that's a new perspective I never thought before. I'm OK with cc usage discipline and maybe that's why I never thought of it before.
Shinichi
post Feb 3 2008, 10:22 PM

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QUOTE(vin_ann @ Feb 3 2008, 07:08 PM)
not really statement online. but transaction by months.

i was previously have problems bcoz of :

The CIMBClicks ID is the ID that you must use for subsequent sign-in sessions.It should be in alphanumeric format with a minimum of 6 and a maximum of 32 characters and alphabets.Password should be 8 characters. It has to consist of both alphabets and numerics characters.

the passwords bad la... only can put 8 only... can not more or can not less...  sweat.gif

accumulated point din notice it. will notice it when login again.
*
Tried to login to cimbclicks now but it took ages to load... after some time it directs me back to login page doh.gif
SUSDavid83
post Feb 3 2008, 10:22 PM

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QUOTE(DDSFan8 @ Feb 3 2008, 10:20 PM)
then use the card for balance transfer only la. Why u want to pay other banks high interest? Payment can be made via Giro mah
*
There's a minimum for BT right? RM 3k per application? RM 1k per one transfer with 3 transfers maximum in one BT applcation? Am I correct?
DDSFan8
post Feb 3 2008, 10:24 PM

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no. For Citibank, min is only RM1K to depending on your Citibank card limit. And everything is through phone. I just transfered 18k
SUSDavid83
post Feb 3 2008, 10:25 PM

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QUOTE(DDSFan8 @ Feb 3 2008, 10:24 PM)
no. For Citibank, min is only RM1K to depending on your Citibank card limit. And everything is through phone. I just transfered 18k
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My outstanding won't be that large amount.

I tried to do a BT on CIMB DA and they said that it's RM 3k per application. They rejected it since the amount I wanted to transfer is RM 1.5k. So dissppointed but nevermind, I have paid full.
DDSFan8
post Feb 3 2008, 10:26 PM

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transfer to Citibank card la. hassle free and even if they wrong do the BT, you just complain on phone and settle it for you. I kena before
hye
post Feb 3 2008, 10:27 PM

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QUOTE(David83 @ Feb 3 2008, 10:22 PM)
There's a minimum for BT right? RM 3k per application? RM 1k per one transfer with 3 transfers maximum in one BT applcation? Am I correct?
*
It depends on the bank's policy. The general rule is up to 85-90% of your credit limit. Might be lower or slightly higher but definitely not 100% of your limit.

Normally it's minimum RM1k per transfer with up to 3 transfers maximum but this depends on how long is your BT repayment. I have seen banks asking for min RM2k for a 36 months repayment.
DDSFan8
post Feb 3 2008, 10:28 PM

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QUOTE(hye @ Feb 3 2008, 10:27 PM)
It depends on the bank's policy. The general rule is up to 85-90% of your credit limit. Might be lower or slightly higher but definitely not 100% of your limit.

Normally it's minimum RM1k per transfer with up to 3 transfers maximum but this depends on how long is your BT repayment. I have seen banks asking for min RM2k for a 36 months repayment.
*
That's called a loan liao. But seriously, the longer you have to settle, the more your debt

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