Outline ·
[ Standard ] ·
Linear+
Credit Card Thread V5, (added FMB website to 1st post)
|
ed0gawa
|
 Nov 15 2008, 11:19 AM
|
|
QUOTE(IMAX @ Nov 14 2008, 03:16 PM) How come my UOB card got such charges? 13 November 2008 14 November 2008 SMART PROTECTOR PREMIUM 1.15 13 November 2008 14 November 2008 SMART PROTECTOR PREMIUM 1.11 What is the SMART PROTECTOR PREMIUM? Most probably it is the insurance plan. Was asked to fill in a UOB card form that day, saw a column at the bottom for insurance. Something like Every RM100 outstanding balance will be charged RM0.60 for insurance (if you decided to take it up) Affinbank insurance is way cheaper.. RM0.2x for every RM1000 outstanding if i remember correctly |
|
|
|
|
|
ed0gawa
|
Dec 13 2008, 12:19 AM
|
|
|
QUOTE(awaynoway @ Dec 12 2008, 07:51 PM) 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. uob need u to be atleast holder for 1 yrs as well... |
|
|
|
|
|
ed0gawa
|
Jan 8 2009, 09:49 PM
|
|
|
Sorry, does 'retail purchase' includes
- petrol pumps swiping
- paying bills like telco/water/electric
?
|
|
|
|
|
|
ed0gawa
|
Jan 8 2009, 10:41 PM
|
|
|
QUOTE(David83 @ Jan 8 2009, 10:22 PM) Yes. Almost everything you charge to your card espect balance transfer, cash advance and installment plan. aight, thanks for the info .. Was looking at the alliance younique ... seems like a pretty cool card. Get to customize the card and also choose either 2% rebate on all retail or 9% finance charge p.a |
|
|
|
|
|
ed0gawa
|
Jan 8 2009, 11:05 PM
|
|
|
QUOTE(GHz @ Jan 8 2009, 11:01 PM) Just to let you know that, its says up to 2% cash rebate based on tier rate as below. It is not exactly 2% on all transaction. Monthly Spending Range (RM) Rebate Factor 0-500 0.50% 501-1350 0.70% 1351-2550 0.90% 2551-5000 2.00% aw, thank for that ... anyway.. for the coolness of my own designed card....  |
|
|
|
|
|
ed0gawa
|
Jan 9 2009, 10:42 PM
|
|
|
QUOTE(zenwell @ Jan 9 2009, 04:25 PM) Hi, anyone own Ambank true cc? Mind to share the benefit and if it is worth having?  at first sight, i liked the clean nice 'design' kinda love the colors of the 'true' fonts as well ... but nothing much to shout about after i saw you:nique Now i can have my card personalized |
|
|
|
|
|
ed0gawa
|
Jan 13 2009, 12:26 AM
|
|
|
anyone playing around with the alliance younique?
submited a picture 2 days ago, got it approved. Thinking of replacing the picture but the system says unknown picture ID though ... (i got the id from the sms alliance sent me)
|
|
|
|
|
|
ed0gawa
|
Jan 14 2009, 06:37 PM
|
|
|
Got another question
Let's say i have a card now. And the card will be cancelled/had to be cancelled but there are still outstanding for that card.
Must i settle the outstanding?
Or i can still maintain the account (with the card cancelled) and only pay the minimum 5% monthly?
|
|
|
|
|
|
ed0gawa
|
Jan 14 2009, 06:42 PM
|
|
|
QUOTE(temptation1314 @ Jan 14 2009, 06:39 PM) Yes, you can cancel even there's outstanding. They will keep sending u statement until u have clear all ur outstanding. But my advise to you is liase with bank and get EPP for lower interest mah..  Thx. So i guess it is the same for all banks eh? Gee... the officer told me thru the phone that i need to settle the outstanding if the card were to be cancelled. Will double confirm with another officer of that bank tomorrow. |
|
|
|
|
|
ed0gawa
|
Jan 14 2009, 06:53 PM
|
|
|
QUOTE(muscaa @ Jan 14 2009, 06:47 PM) not necessary to clear all your outstanding when you terminate your cc, but must pay it later when the next statement comes Aiyayaya... when u say 'must pay when next statement comes' Do you mean pay everything orthe minimum 5% thingy? |
|
|
|
|
|
ed0gawa
|
Jan 14 2009, 07:54 PM
|
|
|
hmmm... 2 set of answers here.
Thanks anyway... confirm with my bank tomorrow...
|
|
|
|
|
|
ed0gawa
|
Jan 14 2009, 09:17 PM
|
|
|
QUOTE(SeLrAhC @ Jan 14 2009, 09:13 PM) too all wanting a credit card with no income... apply at ambank.. just apply and put 5k FD and you will get a 5k limit credit card! how sure are you? ambank got a pretty nice standard in deciding who gets credit card and who doesn't ... they can give Mr A a housing loan of RM250k but decline to give him a credit card of even a RM3000 limit. |
|
|
|
|
|
ed0gawa
|
Feb 5 2009, 06:48 PM
|
|
|
QUOTE(pingping86 @ Feb 5 2009, 03:37 PM) Just got my alliance younique card this morning... I just found that if i choose the picture to print on the card need a RM38 fee... I got 1 question... Does the you;nique card have classic or gold card..??? If got, how do we realise..??? just got mine too.... Never knew that the back of the card is in black. I am gonna submit a black design after .. erm... 2 months? btw, i do not have alliance account. Can i have e-banking solely for the credit card? This post has been edited by ed0gawa: Feb 5 2009, 06:51 PM |
|
|
|
|
|
ed0gawa
|
Feb 5 2009, 10:26 PM
|
|
|
QUOTE(boonsin23 @ Feb 5 2009, 07:06 PM) all you:nique cards r considered classic card.
Added on February 5, 2009, 7:07 pmhows the picture's quality? considered classic meh? i vaguely remembered they asking me about gold/classic thing thru the phone. i said 'watever' The picture quality is quite good. Oh well, mine was an abstract wallpaper 'cropped' image. So.. how bad can it turn out? |
|
|
|
|
|
ed0gawa
|
Feb 7 2009, 12:53 PM
|
|
|
QUOTE(gyver @ Feb 7 2009, 12:53 AM) I am wondering how can Citibank send my credit card to a different address since I pass to them my copy of mykad and fill in form properly. Is this intentional or what. They call me to verify the address and it was way... way wrong, not even close to where I am staying.  Well, they sent me the pincode of the card before CNY ... tills now i haven't saw my card yet.. lol |
|
|
|
|
|
ed0gawa
|
Feb 8 2009, 01:15 PM
|
|
|
Direct Access WORLD MasterCard
need 180k annual income (saw it from their webbie)? Is that a typo?
|
|
|
|
|
|
ed0gawa
|
Feb 9 2009, 05:27 PM
|
|
|
QUOTE(jack2 @ Feb 9 2009, 09:41 AM) Bank Negara is really makes us burden a lot by implementing the late charges and the finance charge that calculated from the transaction date if no full payment is made on due date instead of statement date which was previously. I forgot to pay yesterday and today was debited 1% on late charges  Probably you could get them to waive the 1% if u were always on time |
|
|
|
|
|
ed0gawa
|
Feb 9 2009, 07:10 PM
|
|
|
QUOTE(jack2 @ Feb 9 2009, 06:18 PM) I always forgot and asked them to waive for past two months... If wanna ask again, paiseh bo? This bank very celaka, 1 day late sudah kena on the next day... HongLeong Bank gives me2-3 days then only debit to my account. Slap yerself then .... or get your wife/gf/bf/mistress/toyboy/toygirl/sugamummy/sugadaddy/pa/clerk/boss/manager/director to slap you on the day you are suppose to pay the bill so that you wont forget. I got charge once or twices as well.... didn't bother to ask for waiver though... i remember i had to pay. but then i forgot when it comes... so.... wel.. my fault... so, let them earn lo. Rugi duit hoping i would be scare for 2nd time. Mana tau it doesn't really work.  |
|
|
|
|
|
ed0gawa
|
Feb 11 2009, 01:16 AM
|
|
|
QUOTE(jack2 @ Feb 10 2009, 01:57 PM) wakakakaka... why not you remind me every month,, then i remind u too...  Seeing your post reminds me to check my account. Forgotten if i had already paid .. lol .. thanks |
|
|
|
|
|
ed0gawa
|
Feb 25 2009, 07:11 PM
|
|
|
Any Citibank users got charged 17% interests PER MONTH recently?
My colleague show me his Citibank statement yesterday, owing them RM70+, got charged RM11++ for interest
And it stated, Financial Charges of 17% per month.... duh...
|
|
|
|
|
Quote
0.0541sec
1.57
7 queries
GZIP Disabled