yeah u can use any CC for www.payonline.com.my
i've been using it for 2 years now.. havent encountered any problem.

you can try to look for arsenal. he got pm me once. i dont know him ...so if he con you, dont come and look for me

btw, any particular reason you want to get cimb cc? coz i think alliance younique cc got the best offer currently. you can choose to get 2% cash back (inc petrol) OR 9% interest charges (instead of the normal 15-18%) per annum on your unpaid amount OR 2x rewards points for RM1. but need to check with them if it is permanent or only valid for like 1-2 years

btw I heard DA is not giving 2% discount to petrol purchase soon, lucky i didnt apply for it

Why don't you try calling first and see whether our advise works and don't write (and whine) like what you just typed ?
And please do not tell them "Oh, someone in LYN ask me to do this", we do not want the banks to start noticing this little thread don't we ?

It's no big deal they do not want to give you free annual fee waiver, cancel the card if Citibank refuse. From the way that you sounded, it appears that you allow them to bully you and you are so deperate for a Citibank card. Got forummer who spent many times more than you but yet do not get an annual fee waiver and it's no big deal to them. They just cancel the card.

Sorry folks for my short outburst but if you haven't even try but yet asking us the above so what can we do ? If you are so unsecure then cancel your cc and don't ever use a cc then surely no bank will ever bully you.

hi guys,
update on my case..maybank CC ppl admit mistake n going to settle it for me..i pay 6mths 0%..hehe
huhu
im going to cancel my cimb CC soon..n also mayb close account with them..they so sucks

debit card can have 0% interest installment plan? why i want to have a credit card because the 0% interest installment only..

citibank very easy to waive one at least for me just call every 12 month

Quick answer - NO, debit card do not have 0% installment plans. (I wish you are as cute as your avatar though)

Debit card with 0% installments ? You gotta be kidding me

You buy it in credit usually , you don't buy in debit. If you buy in debit , you'll rather pay the whole thing instead of "borrowing it and paying monthly"

we pay in full by using DC.. tats y it comes with 0% instalment..

haha~

This response made me LOLZ

Well ... I'm just making an attempt. Who knows ? (I know in my heart it is wishful thinking though)

hey guys / gals

i not sure whether your got aware of this magazine or not.

is Personal Money. and the topic for this issue is "Get a Grip on Your Credit"

among the sub topic is :
- How to eliminate bad debts and build wealth.
- Plus Cashing in on lower interest rates...

your can go and looks for the details inside.

*THe offer for alliance bank younique card is permanent , is something like ikea co-brand card

Heard my name mentioned....Insipiron, I wont con people one la...I am helping people to apply...cheers...

Should go EPP with banks (CIMB) with my debt on CC

OR

Ask agent do the "0% installment plan"??

New year.. Time to clear debt jor... Condo is coming lulz.

Direct access is giving me 2% rebate leh, i see in my latest statement since i only use this card to pay for petrol only

just ignore them if they refuse to waive, they will send few lawyer letter, just ignore them

im still not convinced since i just apply for it and can't wait to test it out
since "its up to 2%" not for all in their advertisement

Up to 2% means that the rebate is given based on your spending amount, refer below

Monthly Spending Range (RM)
Rebate Factor
0-500 0.50%
501-1350 0.70%
1351-2550 0.90%
2551-5000 2.00%
Above 5000 Nil

I always use up to limit RM4k by the month. And I'll pay RM2k once the bill cutoff date reach ...; and within the month I'll use Rm2k again

And there the cycle continues ...

Does this shows bad credit etc ? I hope bank will increase my limit and upgrade in near future

how come my statement dont seems to have rebate...

Direct access got rebate 2% for this year...cheers...