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 Anyone have serious credit card debt issues?, anyone?

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cloudwan
post Jun 26 2008, 12:50 AM

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I collect CC then frame em up to keep at home tongue.gif
tinkerbel
post Jun 26 2008, 12:52 AM

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I think we should stop spamming and get back to the topic being discussed.
yewkhuay
post Jun 26 2008, 12:53 AM

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is there anything else to discus on this topic now?
tinkerbel
post Jun 26 2008, 12:54 AM

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Even if there isn't, we shouldn't treat his as a Kopitiam topic ok?
yewkhuay
post Jun 26 2008, 12:55 AM

I don't even belong here....
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then we should stop spamming here u know ?
dr2k3
post Jun 26 2008, 01:03 AM

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lol.....even tho u guys say stop spamming but u guys are still spamming to stop spamming tongue.gif
goolie
post Jun 27 2008, 09:12 AM

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citibank shell card is not so direct meaning...u must have a least MYR 2,000 outsatnding balance for each month then only can go for petrol rebate
tinkerbel
post Jun 27 2008, 10:04 AM

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@goolie,
I believe U get a rebate even if U maintain RM0 balance at the end of the month. The onli difference is that the rebate is lower.
htkaki
post Jun 27 2008, 10:59 PM

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QUOTE(tinkerbel @ Jun 27 2008, 10:04 AM)
@goolie,
I believe U get a rebate even if U maintain RM0 balance at the end of the month.  The onli difference is that the rebate is lower.
*
I ve tried looking for the above details. But, couldnt find it. It would be interesting if there is rebate even when there isnt any balance carried forward.

Citibank Shell Card
tinkerbel
post Jun 28 2008, 01:16 AM

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@htkaki,
Look properly, it's there under "What You Get". For RM0-2000 carried forward balance, U get 1.5% rebate on Shell Fuel and 0.5% on other purchases (for Classic Card category).
vicng
post Jun 28 2008, 01:21 AM

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QUOTE(htkaki @ Jun 27 2008, 10:59 PM)
I ve tried looking for the above details. But, couldnt find it. It would be interesting if there is rebate even when there isnt any balance carried forward.

Citibank  Shell Card
*
if not mistaken, if u got o/s from RM0-3999 in ur Citibank shell card, petrol rebate at Shell station is 1.5%, normal shopping is 0.75% cash rebate.
tinkerbel
post Jun 28 2008, 01:29 AM

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@vicng,
Yes that is right, but that's for the Gold category. I don't think we need to bother summarising that here because one can alwiz get onto the Citibank website to read.

I think it's big enough so it's not possible to miss it; perhaps misunderstand it tongue.gif
SUSaabar
post Jul 1 2008, 12:19 PM

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Hi there,

Just to share you my experience with AKPK.

I sought assistance from AKPK after I was not paid by my employer for more than a year, and the job market was sluggish to land me in a new job. I had to rely on my credit card and personal loan to sustain. My case was lodged in the Labour Office and after a year going after my employer, the labour office said that they cannot do anything... like most government agencies.

After being with them for almost two years. I have gone through a much more difficult situation. AKPK had restructured my debts and collects on the behalf of all the banks that I am tied to. However, during the program... all these banks had been calling me to say that AKPK had been slow in releasing payments to them. I ended up incurring more interest than the amount that I paid off on the monthly basis.

I tried calling AKPK several times to address this issue, but the line had been too busy to get through. I attended their office as well... twice... and went home without meeting the councilor because he was too busy making coffee in his cubicle.

After further incurring more interests and seeing that my total debts had not decreased but only increased since I started on this program, I went to see them again... guess what happened? The councilor was said to have been relocated to Melaka and the person who replaced him cannot provide me with the answers I need. So, I was told to take a drive to Melaka and meet the councilor.. who would probably end up saying that he cannot attend to me because the files are in KL....

That is efficient Government support for you... I am still fuming mad at all these...

Still.. I am left helpless.. Maybe I should write to the governor and c.c to the PM.. tht's how people usually get the needed attention...

I hope this give some insight to those on the quality of service provided by AKPK.


famous
post Jul 1 2008, 01:22 PM

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QUOTE(tinkerbel @ Jun 28 2008, 01:29 AM)
@vicng,
Yes that is right, but that's for the Gold category.  I don't think we need to bother summarising that here because one can alwiz get onto the Citibank website to read.

I think it's big enough so it's not possible to miss it; perhaps misunderstand it tongue.gif
*
RHB also got give cash rebate for petrol with no condition apply. Meaning if u pump RM100 then when stmt issued the cash rebate will be 2% during normal rate when got promo like now till 31st Aug it's 5%.

But of cos max capping is RM60 per month. But u don't have to carry forward any balance. If i make full payment also u get to enjoy this cash rebate.

Well every penny counts and like last month i get RM4 cash rebate from my total petrol pump. hehe

tinkerbel
post Jul 1 2008, 02:55 PM

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@famous,
That is right except I do not currently hold a RHB card and I don't intend to get any more new CCs so I will haf to make do and use of what I oredi haf biggrin.gif

Also, ur petrol's only RM80 p/month? Heck, RM80 isn't even sufficient to get me a full tank these days! sad.gif
kelisa6009
post Mar 24 2009, 09:47 PM

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guys

need help..anyone know where i can refinance my car? i already fully pay my car..now wan to get it refinance so that i got the money to pay back my credit card...anyone can help?

lwb
post Mar 24 2009, 10:54 PM

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QUOTE(kelisa6009 @ Mar 24 2009, 09:47 PM)
guys

need help..anyone know where i can refinance my car? i already fully pay my car..now wan to get it refinance so that i got the money to pay back my credit card...anyone can help?
*
this is a case of "digging a hole to cover another hole"... just make sure you don't get "fire in the hole"
TSkokanchai
post Dec 28 2009, 06:00 PM

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topic continue~

let dicuss~
epalbee3
post Dec 28 2009, 08:21 PM

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QUOTE(kokanchai @ Dec 28 2009, 06:00 PM)
topic continue~

let dicuss~
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just pay everything and you have no issue lor..

the problem only arise if you do not cut your desire..


bulkbiz
post Dec 29 2009, 09:03 AM

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QUOTE(lil`pumpkinz @ May 30 2008, 12:41 PM)
Same here. She used her credit cards to pay for her school and exam fees.
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lol...good luck

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