today received a sms from Citibank.

"Your Citibank Credit Card has been sent via POSLAJU. if you do not rcv in 3 days, pls call POSLAJU. "

im wondering, this time round, which card is being to sent to me?
previous card was Citibank Air Asia but it's just sent via normal post.

never bother about the card.
it's just another pre-approved card.

yeah. DA cause me to call in twice just to activate it. and HSBC is using TnT Courier!

un-officially verbal source from MBB agent saying it's will stay.

yo, take it easy.

management charge = interest.

as HSBC Amanah the name suggest, it's an ISLAMIC BANK. so they can not directly use percentage of interest to times our outstanding balance and others.

so based on my understanding, 2700 is the standard rate of management charge used to times the percentage (%) of our outstanding balance.

ie. 18% P.A. outstanding balance Rm1000.

(2700 x 18%/12 months) = RM40.50. wait, are im doing the correct calculation?? it's bloody high!

if use conventional way,

interest is (RM1,000 x 18%/12 month )= RM15.

really need to investigate deeply b4 i got my card!!!

btw, today i received a SMS from Citibank, it's stated im just purchased airline tickets online using Citibank card. i was so shock, and with immediately i called back n found out!

the CS told me that, my number (which im used for almost 8 years) previous owner is also Citibank customer! tht's why im getting the SMS...

bloody hell... stupid bank!

Got anything special to take note on it?

aiyo.... dun know how to help u le...

just wait's for the pro to suggest you the way lo...

if u mindset is being set "good" then it's good. vice versa.

so it's up to you to do the survey n comparision lo...

wah... really creative. but it's increase MORE Cost. hope they will be a sucessful for the bank.

haha nice image there.

btw, i can foresee Allianze bank team will have a busy day!

got 1 question! Can i put my ferrari logo into my credit card? i thinks Alliance bank must have certain rules to compliance with, like trademarks, logo which can not be used without consent of the owner.

unless it's a personal photo, own design pictures!

Too bad, i thinks Alliance bank wont let me put in Ferrari logo in the card, else im going to apply TOO...

Any1 got come accross the rules???

1st time fail then apply again lo....

my colleague also fail to get 1st time application, n she got it on her 2nd application.

she said, no need to wait time frame, just apply again!!

each n every time, when you call CS, remember to ask for the name.
and confirm again n again!

so after something happened, then u can call back n chase for the responsiblity... n ask them solve for you.

yesterday i tried to upload my own picture, too but, my pic resolution is too low below the required resolution!
Sigh.

dammm... Citibank sucks...

they are sending SMS to me which is not mean for me! but my previous number owner.

1st is said my credit card is being sent via poslaju which come with ref number. im just called today, and the poslaju CS said, the mail is being collected by XXX XXX. so malu...

then 2nd SMS is saying im just purchase airline ticket online using citibank card. but im not using it. immediately call Citibank CS to verify, saying tht SMS is mean for previous owner of my hp number.

blodddy hell Citibank!!!

the pioneer for this is UOB with Carrefour!

then followed by Giant Citibank

now it's Tesco RHB... .

Next is Jusco? but it's immposible as Jusco already got AEON.

still MBB card is the BEST for Carrefour. 5% on normal days, 10% on Tuesday !

are you really sure n confirm??

im now is just waits n see.

u're back! haha


today got 2 calls.

1st is from UOB bank... offering personal loan... thought they wan to promote CC...

then come another 1, which is Ace Synergy, i straight immediately state i got no interest in insurance n cut it off... no time to find out from which bank is offering it...

dammm... .

the telemarketing from CC is active back!

today got another call from Citibank, promoting insurance thing...

bro, it's the CASH REBATE of Maximum RM50. which is equivalent to purchase of good value RM1,000 from Carrefour.


does it matter? YES. for existing MBB user.

finaly push for CNY. if buy RM500 from Carrefour, ie, 5 catoon of beer, it's around RM500 already, cash rebate already RM25.

received a letter from HSBC Amanah.

I was kena rejected for the HSBC Amanah CC Mpower...

lucky rejected, wont get anymore card from HSBC... just maintain my classic... is good enough.

oh, got this kind of arrangement 1 ar?

tht's interesting.