when using maybank2u to pay citibank CC

Login > Using interbank transfer then write in the CC number as the benefitiary no. correct right?

hopefully the transaction will be done by today...if not I will have to bear the extra charge....

anyone know how much penalty we have to pay if late payment?(citibank)

I was not trying to be funny about the answer but if you ask this question from the folks who has been using credit card for years ... they will tell you the same thing. Check out similar discussion on credit cards from other forums and they will tell you the same thing as well.

Let's put it this way ... the worst that can happen is that a fraudelent transaction occured on your account. (It has happened to me before) Call the bank and dispute it ... simple. The bank will be on your side if you had sufficient proof to back you up and I never had a case where I lost a dispute or chargeback. (Genuine cases of course) If it were that simple for people to abuse your credit card, this will put a serious doubt on the realibility of the credit card system not only in Malaysia but globally. The banks will go all out protect their credit card products and their customers along the way.

That's some prefer foreign banks credit card vs local banks. But again ... individual experiences may differ.

Well ... if you still think my answer is not helpful then please accept my sincere apologies.

Got any link for me to continue reading?

http://www.americanexpress.com/malaysia/cu...yyourbill.shtml

Whoaaaa. 3.5% ? That;s crazy

But if we pay full, there are no finance charge at all. Thats great

For M2U interbank, funds is transferred same business day if made before 1200h, otherwise next business day.

Funds Transfer FAQ
http://www.maybank2u.com.my/site_functions...tml?funds_trans

Supported Interbank accounts
http://www.maybank2u.com.my/consumer/onlin...giro_table.html

Just now i use online payment pay my Telekom bill....

but suddently Streamxy lag, i paid twise amount to telekom.

will next month bill deduct it??

Coz i saw previous month i pay more 0.01, this month will reduce back~

Anyone can help?

Don't need to worry about it, you should see a credit balance in next month's bill, unless you used more next month than this month. :)

walau, which bank?
muz avoid then

One Platinum credit card is from UOB

plat card for rm1k limit only ?

for my 1st card, how long after use can i increase limit ? I also plan to change my cimb master to DA ... but i no cert lol

maybe i can tembak i pursuing part time degree or etc etc

Do i need update bank if i change company ?

Want to ask a question on UOB credit card

UOB One Platinum = Cash rebate on the spot
UOB Preferred Platinum = RM1 = 1 point

Question: Is it better to get cash rebate? or collect points and later on change vouchers? Cash Rebate discount VS Points redemption

They said UOB One Platinum requirement now is RM70k p.a. and UOB One card has much lower requirement but both benefits the same. Only different is the word One Card and One Platinum printed only. The person also said last time when they launched the One Card, all was given UOB One Platinum but they have made the correction now. The person said those ppl applied earlier was lucky. Lower requirement can get platinum

PS: I ended applied both at Carrefour Kepong, but plan to cut either 1 when they call me to varify. After i applied UOB, while I'm still at the UOB booth waiting for them to photocopy my IC/CC, all the other banks (HSBC, Citibank, RHB, Hong Leong, AMbank, EON, Standard Charted) came like zombies and keep asking for me to apply too even when I'm still at UOB haven finish


This post has been edited by auhckw: Sep 21 2008, 12:10 AM

Well I dunno whether it is true that the min limit is 1K but normally banks provide the credit limit based on 1.5-2.5 of your salary. Given that the min salary qualifier is RM2K, I think the right number should be RM 4 K upwards.

Min you have to wait 1 year before you can ask for a limit increase (they will ask for documents) or if you are lucky then the bank will upgrade your limit without you even asking. DA need cert when applying but some of thr forummers managed to get away with this requirement - again it is your luck.

It is not mandatory for you to update the bank if you changed company but it is recommended.

1 year so long lol

i plan to upgrade limit after 1~3 months using now ... plan to apply more card though
no late payment too ..

This is depending on your preference. Points system normally got expiry date except certain bank e.g. Citibank and that's why customers prefer the cash rebate system instead.

Emmm ... thanks for the info on the UOB One Platinum and UOB One card. For a long while, the UOB "One" card was a huge debate ... I think in V3 of this thread. It is quite normal for those guys to do that .... coz every one of them got target to meet. But careful ... certain banks if you apply credit cards simultaneously from 3 different banks then they will reject your card. (Someone from the industry told me)

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Added on September 21, 2008, 12:21 amYou can try but I doubt so on your probability of success.

This post has been edited by hye: Sep 21 2008, 12:21 AM

Now Platinum has lost it's value

Last time income PA. RM120k and it drops to RM100k -> RM90k -> RM80k -> RM70k

If you have an existing credit card used for more than 1 year and has RM17k credit limit also can get Platinum

Very soon, Platinum will be like Gold few years back. Everyone have one

I got this info from those ppl promoting HSBC, Citibank, RHB, Hong Leong, AMbank, EON, Standard Charted credit card today

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Added on September 21, 2008, 12:31 amAccording to the UOB agent, she said the 2 banks that does not have points expiry is Citibank and UOB. Not sure true / false statement

Anyway, I did some calculation

13800 points (1 point = RM1) to exchange RM50 (Seng Heng)

Carrefour 4% cashback. If I spend RM1250, I get 4% cash back = RM50 savings

So Cash back is much better

Am I right?

This post has been edited by auhckw: Sep 21 2008, 12:31 AM

I can't remember which bank does not have points expiration but definately Citibank is one of them. UOB ? Supposedly it has a 3 years expiration period ... I was a member once. Could UOB's point system have changed ?

Like I said ... it all depends on the individual whether the person prefers the point system or the cashback. BTW ... your cashback system only applies for Carrefour purchases only ? Or does it applies for other purchases as well ?

This post has been edited by hye: Sep 21 2008, 12:42 AM

My boss introduced me to get UOB cause his point has never expiry (for years he has used it)

UOB One Platinum = Cash rebate (e.g. 4% for Carrefour, 5% for GSC, 10% for SFCC, 0.3% on all purchases, and an amazing list of cash rebate partners http://www1.uob.com.my/webpages/SmartCash/index.htm)

I did a further calculation:-

Points
13800 points (1 point = RM1) to exchange RM50 voucher (Seng Heng)

Cash Back
To get RM50 savings, based on 4% Carrefour cash back, have to spend RM1250 instead of RM13,800 to get the points for RM50 voucher


But if to spend on non UOB cash back partners (e.g hotel, flight, etc), it is much better to get the points

Points
13800 points (1 point = RM1) to exchange RM50 voucher (Seng Heng)

Cash Back
To get RM50 savings, based on 0.3% on all purchase, have to spend RM16,666 instead of RM13,800 to get the points for RM50 voucher

Not only that, even there is a sale going on at the retail shop, the cash back will still be applied. Discount + Cash back

Guess I will have to keep both then

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Added on September 21, 2008, 1:09 amI'm currently holding Public Platinum Visa. The cash back reward sux. Can only get back on the 12 month statement.

Not only that, the cash back percentage is so low


Worse, it is not free for live. To get free for live, for primary have to spend above RM10k pa, and for sub card have to spend RM5kpa

Going to cut soon...

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Added on September 21, 2008, 1:13 amWhere for UOB card, only need to swipe 6 times per year to get free for the year

But unfortunately for sub card upon approval they will charge RM30 per card. And every year the admin fee for sub card is RM30 pa. The agent say we can try call and ask for waiver

Disclaimer: I am not associated with any credit card agents. Just wishing to share this info

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Added on September 21, 2008, 1:39 amOk, after browsing through UOB website i found out some additional info

Actually all UOB credit card comes with cash back and points

UOB One card = cash back no points
UOB other credit card = cash back + point

The difference from UOB One card and other UOB credit card is that One card has some cash back merchant that normal UOB credit does not have. Ex Carrefour, GSC, etc (not that many actually)



This post has been edited by auhckw: Sep 21 2008, 01:39 AM

Any DA agent here? I would like to ask something through PM.
Thanks.

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Added on September 21, 2008, 6:49 amCitibank as well.

This post has been edited by bysquashy: Sep 21 2008, 06:49 AM