I would like to change my mailing address for my HSBC & Maybankard credit cards.

May I know what is the simplest method to do it?

There are these questions that have been bugging me for some time, i wonder if someone can shed some light on it?

It's regarding Easy Payment Scheme (0% interest) available at a lot of the electronic stores etc:

1. Is it correct to think that paying the price separately in 6/9/12/18months is cheaper than paying the full amount in a single payment?
-It is 0% interest, and with inflation looking at 4 or 5%, the value of the monthly payment will actually decrease in time.
-IF keeping the full amount in saving account, drawing interest (although not much), while paying off the monthly payment will further offset it.

2. Is the bank issuing the credit card providing 0% interest Easy Payment Scheme earning any profit from these transactions? from who?
-I guess the bank has to earn profit from somewhere, probably from the store selling the product.

Ladies and Gentlemen, please tell me what you think 

Cheers,
Case.

^You have to take note on the processing fee, hidden fees...

Even it's stated 0% interest... they still can charge you with hidden fees such as processing fee, admin fee, etc etc...

mostly which CC can use to get 0% interest to buy things using installment??

I was told most banks charge the store 5% for the facility for 0% installment vs the 1-2% service charge for normal transactions. This is how they make their money.

No, not all bank requires 12 months old/existing card. Example:
Citibank - at least 6 months cc holder of another bank
UOB - they did not mention how many months is required t/b eligible to apply. 

You can call to check their requirement but Citibank mention in their website -- 6 months.

Or if you want fast.. just fixed deposit RM5K to any bank to get a credit card

If you like CL increament with Citibank, try to apply for Gold credit card because their Gold credit card as per their site, auto-increase the CL every 6 months.  I don't have Citibank gold card.  Hopefully anyone who has one can double-check this.

for mbb card, can i know what is the pin code for atm use ?

J'daniel>>

MBB is hardly to gives out cc users unless you has loan with MBB then MBB will automatically gives you.....if you want easier, go for citibank

@b00n,
If a person's credit rating is good and have no debts, I don't see why applying for a CC is such a problem.

HI!

Im still new to CC

if i use a credit card,full payment after a week,kene interest tak ?
thx !

hmm..Its jsut my previous observation. Citibank has been more eager to search for CC users compare to local bank cc users because of their limited restriction by the local government.Hmm..i can say during my time,  citibank was offering everywhere, setting up boot begging for ppl using their cc including myself....& hence automatically increase my credit limits. Eventhough a friend citibank cc agent also mainly target the fresh grad ppl & just approved like that...I terminated citibank because limited branches eventhough they open at puchong branch...IN MBB, i tends to ask for increase 2 times for credit limits due for overseas purposes also got rejected.... ....Had been though terminated MBB CC but reluctantly because due to im using the AMEX (has 2x points)....
I also experience use RHB bank, being also request for increase CL also rejected. I frustrated clear all the debt at once & terminate the CC, they call up & will increase the CL for you. I said sorry & thanks for your offer...

The most recently i apply for S.Chartered CC, i really doubts the CL they offering & indeed is a gold card. I was thinking i has some amount in their FD but yet they offering me a disatisfy CL.

In short, i really dont understand how bank evaluate their CC users. Why some CC users can have up to few CC & debt, but we like just oni 2 CC also not entitle to have higher CL....

i planned to use my credit card to make oversea transaction...purchase item online..but sked of fraud cases...wat should i do ?

This is widely used in overseas like Europe and China.

My friend told me that Citibank is going to change the delivery method from courier to normal pos.

i think most of the card need phone activation,but for cimb,i am suprised that the officer say no need to do phone activation.

so any other card that doesnt need phone activation after u receive it?

may i know the phone number for rhb card center

i dial 03-92068118,03-92068228,1800-88-8742 all will be direct to voice mail or automatic hang up after 3 min if nobody pick up the phone