Credit Card Thread V5, (added FMB website to 1st post)
|
|
 Nov 11 2008, 08:19 PM
|
 
Senior Member
5,580 posts Joined: Jan 2005 
|
Hi guys,
I found a good deal from 0% installment but i have a few questions to ask: 1. is there any hidden fee such as process fee, etc? if yes, how much is it? 2. Let say I buy an item at RM6000 (6000/12 = RM500 monthly) and my credit limit is just RM5000, do I eligible for this purchase? thanks in advance. |
|
|
|
|
|
Nov 11 2008, 08:25 PM
|
All Stars
52,874 posts Joined: Jan 2003
|
Usually the merchant will absorb the processing fee or it could be already included in the shown price tag.
 |
|
|
Nov 11 2008, 08:32 PM
|
|
Senior Member
584 posts Joined: Oct 2008
|
QUOTE(Seng_Kiat @ Nov 11 2008, 12:19 AM) Hi guys, If ever there is a free lunch, I would have eaten it already. I found a good deal from 0% installment but i have a few questions to ask: 1. is there any hidden fee such as process fee, etc? if yes, how much is it? 2. Let say I buy an item at RM6000 (6000/12 = RM500 monthly) and my credit limit is just RM5000, do I eligible for this purchase? thanks in advance.   0% interest, 0% installment, all these are gimmicks. Mana ada orang bagi u duit dengan cara percuma punya??? |
|
|
Nov 11 2008, 08:47 PM
|
|
All Stars
52,874 posts Joined: Jan 2003
|
The idea of installament program is for cash revolving. If you don't want to cash out a large sum of money in one shot, installament program will be very handy to you. Use it with cautious and wise. You don't want to end up with high debts.
|
|
|
Nov 11 2008, 09:05 PM
|
Senior Member
2,354 posts Joined: Feb 2005 From: Subang Jaya  
|
what credit card got 0% one without any fee and can buy anything??
|
|
|
Nov 11 2008, 09:08 PM
|
All Stars
21,963 posts Joined: Dec 2004 From: KL  
|
QUOTE(Seng_Kiat @ Nov 11 2008, 08:19 PM) Hi guys, 1. Call your bank to confirmI found a good deal from 0% installment but i have a few questions to ask: 1. is there any hidden fee such as process fee, etc? if yes, how much is it? 2. Let say I buy an item at RM6000 (6000/12 = RM500 monthly) and my credit limit is just RM5000, do I eligible for this purchase? thanks in advance. 2. NO QUOTE(kalambong @ Nov 11 2008, 08:32 PM) If ever there is a free lunch, I would have eaten it already. 0% interest, 0% installment, all these are gimmicks. Mana ada orang bagi u duit dengan cara percuma punya???  wat talking u? QUOTE(arsenal @ Nov 11 2008, 09:05 PM) what credit card got 0% one without any fee and can buy anything?? I used my RHB and MBB card for installment never have any fee oso?except late payment fee lar |
|
|
|
|
|
Nov 11 2008, 09:09 PM
|
|
Senior Member
2,354 posts Joined: Feb 2005 From: Subang Jaya
|
QUOTE(he-sham @ Nov 11 2008, 10:40 AM) when Shell Citibank CC usually credit the rebates (fuel+retail) ?? DA got monthly rebate...i dont see any rebates in my statement ?? |
|
|
Nov 11 2008, 09:25 PM
|
All Stars
10,912 posts Joined: Feb 2006
|
QUOTE(MilesAndMore @ Nov 11 2008, 04:32 PM) HSBC AMANAH MPOWER VISA PLATINUM CREDIT CARD-i i thinks this is the card which HSBC opened a counter below my office.... Please click the link below to view the card. HSBC MPOWER VISA PLATINUM CREDIT CARD-i **Please note that this is an Islamic credit card. Besides the MPOWER VISA PLATINUM CREDIT CARD-i, HSBC AMANAH also offers MPOWER VISA CREDIT CARD-i for those who are not illegible to apply for the Platinum credit card-i. Minimum salary required to apply the MPOWER VISA PLATINUM CREDIT CARD-i is RM120,000. At the moment i have no information on what is the minimum required salary to apply the MPOWER VISA CREDIT CARD-i. Some notable difference between the HSBC conventional credit card and HSBC AMANAH Islamic credit card. - NO ANNUAL FEE*** - 0.5% cash back on all local retail spending/1.0% for overseas retail spending (except transaction made online in foreign currency) instead of point reward system. ***The first year annual fee is waived automatically. Waiver on subsequent years' annual fee is subject to 12 or more transactions. my colleagues applied it. |
|
|
Nov 11 2008, 09:48 PM
|
 
VIP
9,137 posts Joined: Jun 2007 From: Wouldn't be around much, pls PM other mods.
|
QUOTE(Seng_Kiat @ Nov 11 2008, 08:19 PM) Hi guys, 1. No. When it is stated 0% than it's 0%. and 0% usually only applies to the specific bank's card whose merchant terminal is used by the shop.I found a good deal from 0% installment but i have a few questions to ask: 1. is there any hidden fee such as process fee, etc? if yes, how much is it? 2. Let say I buy an item at RM6000 (6000/12 = RM500 monthly) and my credit limit is just RM5000, do I eligible for this purchase? thanks in advance. I.e. Maybank cards with Maybank terminals etc.. Sort of a tie up between the store and the bank. 2. No. You need RM6,000 to purchase a RM6,000 item. It's logic. Anyway, thread merged with pinned credit card thread. |
|
|
Nov 11 2008, 09:51 PM
|
|
All Stars
52,874 posts Joined: Jan 2003
|
Mr boon, you combined wrongly or what?
|
|
|
Nov 11 2008, 09:53 PM
|
Junior Member
176 posts Joined: Mar 2006
|
yap I think you combined the pinned credit card thread to the 0% interest thread
 |
|
|
Nov 11 2008, 09:57 PM
|
|
VIP
9,137 posts Joined: Jun 2007 From: Wouldn't be around much, pls PM other mods.
|
should be fixed already....
sorry for the minor error.... first time merging topics  |
|
|
Nov 11 2008, 10:08 PM
|
 
Moderator
9,301 posts Joined: Mar 2008
|
QUOTE(vin_ann @ Nov 11 2008, 09:25 PM) QUOTE(MilesAndMore @ Nov 11 2008, 04:32 PM) HSBC AMANAH MPOWER VISA PLATINUM CREDIT CARD-i Please click the link below to view the card. HSBC MPOWER VISA PLATINUM CREDIT CARD-i **Please note that this is an Islamic credit card. Besides the MPOWER VISA PLATINUM CREDIT CARD-i, HSBC AMANAH also offers MPOWER VISA CREDIT CARD-i for those who are not illegible to apply for the Platinum credit card-i. Minimum salary required to apply the MPOWER VISA PLATINUM CREDIT CARD-i is RM120,000. At the moment i have no information on what is the minimum required salary to apply the MPOWER VISA CREDIT CARD-i. Some notable difference between the HSBC conventional credit card and HSBC AMANAH Islamic credit card. - NO ANNUAL FEE*** - 0.5% cash back on all local retail spending/1.0% for overseas retail spending (except transaction made online in foreign currency) instead of point reward system. ***The first year annual fee is waived automatically. Waiver on subsequent years' annual fee is subject to 12 or more transactions. my colleagues applied it. |
|
|
|
|
|
Nov 11 2008, 10:48 PM
|
Moderator
3,397 posts Joined: Dec 2007 From: 서울, South Korea
|
Anyone here could help to upload the full info + application form for the
HSBC MPOWER VISA PLATINUM CREDIT CARD-i ? This card is so new that it has yet to register in HSBC's Malaysia website. I wonder whether users of this card still qualifies for points similar to SCB's Business Platinum card. |
|
|
Nov 11 2008, 11:35 PM
|
|
Moderator
9,301 posts Joined: Mar 2008
|
QUOTE(hye @ Nov 11 2008, 10:48 PM) Anyone here could help to upload the full info + application form for the HSBC MPOWER VISA PLATINUM CREDIT CARD-i ? This card is so new that it has yet to register in HSBC's Malaysia website. I have the application form but the form is just too long ... QUOTE(hye @ Nov 11 2008, 10:48 PM) I wonder whether users of this card still qualifies for points similar to SCB's Business Platinum card. What points ? No point for HSBC AMANAH (Islamic) credit card. It's all cash back. |
|
|
Nov 11 2008, 11:37 PM
|
|
All Stars
10,912 posts Joined: Feb 2006
|
QUOTE(hye @ Nov 11 2008, 10:48 PM) Anyone here could help to upload the full info + application form for the i try to ask from my colleague whether she got keep the catelog or not... HSBC MPOWER VISA PLATINUM CREDIT CARD-i ? This card is so new that it has yet to register in HSBC's Malaysia website. I wonder whether users of this card still qualifies for points similar to SCB's Business Platinum card. if got time i will scan it. haha... |
|
|
Nov 12 2008, 12:08 AM
|
|
Moderator
3,397 posts Joined: Dec 2007 From: 서울, South Korea
|
QUOTE(vin_ann @ Nov 11 2008, 11:37 PM) i try to ask from my colleague whether she got keep the catelog or not... Thank you broif got time i will scan it. haha... |
|
|
Nov 12 2008, 05:52 AM
|
|
Senior Member
5,580 posts Joined: Jan 2005
|
QUOTE(b00n @ Nov 11 2008, 09:48 PM) 1. No. When it is stated 0% than it's 0%. and 0% usually only applies to the specific bank's card whose merchant terminal is used by the shop. Ok. thanks for the info. I.e. Maybank cards with Maybank terminals etc.. Sort of a tie up between the store and the bank. 2. No. You need RM6,000 to purchase a RM6,000 item. It's logic. Anyway, thread merged with pinned credit card thread. ok, let say i bough an item priced at RM4999 and my credit limit is RM5000. So, I cannot use cc for fuel already until 2 years (after installment done)? Am I right? |
|
|
Nov 12 2008, 07:26 AM
|
Senior Member
2,552 posts Joined: Jan 2008
|
your credit limit is free-ed up by the installment amount every month.
eg. is ur purchase is 4800. credit limit is 5000. Over 12 months. Month 0 Installment left: 4800 Credit limit: 200 Month 1 Installment left: 4400 Credit limit: 600 (pay RM400) |
|
|
Nov 12 2008, 09:15 AM
|
|
Junior Member
472 posts Joined: Oct 2007 From: Will be in your Heart 
|
I just received my UOB card, activation DAMN HARD! call to the number that stated, for whole day nobody answer !
call to customer service for 2 days.. only today morning finally got PPL answer... walao.. 100% cancel it.. damn UOB SMS to the number that stated in the activation also, always FAILED >.< arrghh.. make me crazy.. just like the CARD.. if i cancel, i say i lost the card, need to pay money? coz the card is beautiful.. that UOB VOUX  |
|
Topic ClosedOptions
|
| Change to: |  0.0158sec
 1.49
 6 queries
 GZIP Disabled
Time is now: 24th December 2025 - 11:33 PM |
Quote