@mitodna,
Thus far, CIMB & UOB does NOT charge additional for overseas transactions. MBB CS tells us there's no charges too but some forumers have been charged.

tinkerbel,

If you look at what the bank charges the merchants, you'll realize why banks nowadays encourage you to use Ezy Pay transaction with 0%.

Assuming that you'll settle your purchased amount whether if you use Ezy Pay or normal card swipe, the bank don't earn much from consumer (taking away the newly introduced "no more 20 days interest free period" by Bank Negara).

However, the bank stands to earn a whopping 4.5% to 5% of total amount swiped for Ezy Pay as compare to 2% (in some cases I know some merchants get charged 1.2%) for normal transactions. And, if you read the T&C even more closely you'll realize some bank imposed hefty penalty to card holder for late payment as compare to normal transactions.

So next time if you swipe for Ezy Pay 0% scheme, bare in mind that the merchant will charge you the additional 5% as "handling fee" or "processing fee" or they have had that 5% built into the price.

My experience was, when I bought my 37" LCD TV a year ago, the listed price tag was RM3299. After much negotiation, the ultimate best negotiated price was RM3000 flat with Ezy Pay. In the end I paid RM2800 cash for the TV. At the end of the day, with consumer goods profit margins so thin, merchants will have to build in what ever fees and charges that banks imposed on them and pass it to the consumer.....

no. it's officially 60 minutes approval. but due to too many applicants, it's become 60 + 30 minutes. haha.
the actual card can get within 1 week. i got mine already.

no commitment free for life? then it would be Direct Access. truly free for life.
UOB is "free for life" which is required u to commits 6 transactions per card per year. (u will getting ur Visa n Master 2 cards together, can not cancel either 1, else no "free for life")

Not me lol, I dont travel oversea .. perhaps other person

Maybe can i apply travel package even i dont travel ?


@David83
Yup I knew that fax in direct to card centre would be faster ... but still it depends on which bank lol. Im looking for which bank can fastest , hopefully <1 week

@Hybz,
What travel package do U want to apply for?! I'm a little lost..

I have no idea too ... cause u mentioned travel package cc is only 3 hrs approval.

that why I want it lol

@Hybz,
Oh. I think U read wrongly; I was referring to applications made during the MBB TreatFair that was held 2 weeks ago @ MV. Unfortunately that's over and done with now.

I wouldn't know how to help U out but I think U'd better start putting ur application in - is there a specific date U need the CC by?

Try to apply CIMB cc, you should get it fast (within 1 week)

DA - Plaza Damansara ( Direct Access Credit Card HQ)
PBB - Public Bank KLCC HQ floor 10 something.

with proper documents, n some pressure to them, u shd be able to get.

yerp....cimb DA very fast approval...
just got rejected by UOB for my uob one card application...why always no reason given ??

You can demand for reason by have a communication with the CS.

but usually they won't tell you why they reject your cc application

It depends but so far, haven't encounter such no reason rejection.

u shd exam urself. where went wrong?

documents not complete?
information filled wrongly?

while other factors which u cant control is on HR confirmation side.

@muscaa,
You're right - most of the time the banks don't reveal the reason for rejecting your application.

Just pump my petrol with my petronas cc.

Got this error msg: "A6"

anyone know what the error code mean?

@amerz,
Er... its best U checked with the petrol station? *shrugs* Did U use a different card or cash in the end?

i use cash in the end after third time failed.

The cashier ask me to refer to the list of error code on the pump but it doesn't show A6 error code.
only up to A4 error code.


p/s: now i know how important a backup cc

This post has been edited by amerz: Aug 13 2008, 10:05 PM

Didn't you try on pump terminal?

Pump on the terminal, then after the card failed..i went to the casher and ask.

coz malas layan, i use cash.

not even try swipe at the cashier<--actually i forgot .