your total limit will still the same if u have 10 diffrent card from one bank

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Added on December 8, 2008, 10:17 pmmeans u must pay all outstanding balance for the current month in order to get the 20 days free interest for next month. if u only pay partial or min, u will be charge the interest of the next month + ourstanding balance.

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Added on December 8, 2008, 10:19 pmif currentlyn using any credit card the bank only need the photocopy of your credit card only.. no need those statemenet, payslip etc

This post has been edited by eviljonz: Dec 8 2008, 10:19 PM

combine limit?

I was offered a Plat by MBB cause i got a sum of FD with them, but i declined.

if u paying every month min, is not consider bad record if u mean CCRIS

CIMB is sucks and yes many stores do not accept CIMB for flexi payment but some of them are CIMB merchants. CIMB only allows you to either ask the merchants to do manually which most merchant do not want to do it. Secondly, they will ask u to swipe full amount first (not installment) then make a call to CIMB to apply for flexi payment 10-20 months. Beware, if you do not prepare to pay one time interest of 3-5% which they will charge you for the flexi plan. Stupid right ? then why is it call 0% installment?

No. If the seller manage to do the 0% installment on their merchant's machine then it is fine. Some merchant do not want to do manually whereby I found CIMB cc need to be done manually if u wan to do flexi payment. The 3-5% charges will be charged if made a full payment and want to change to flexi payment by calling CIMB personally - which the merchant will advice you to do it.

Oh, i didnt know PB also have this practice. Do they charge one time interest or anything ?

Then it is the same practice as CIMB, then the 0% installment has no meaning already.

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Added on December 9, 2008, 12:40 pmno matter you are swiping for 0% flexi payment or not the amount of purchase still willd educt from your credit limit. i.e. you have RM4000 CL, you use it to buy a laptop of RM2500 and opt for flexi payment 12 or 24 month, automayically your credit limit will become RM1500. Just the diffrent is the payment you can pay it in months and not next statement.

This post has been edited by eviljonz: Dec 9 2008, 12:40 PM

correct

I come across some outlet who is CIMB merchant, but while using the card to process for the 0% EPP, it declined. The outlet also made a calls to the CIMB's office and was asked to do it manually, which not all outlets is willing to do. Eventually they will ask us, buyer to call CIMB outself whereby the one time interest comes in. My friend who also come across the same problem with his CIMB card, but he is lucky because the merchants press the CIMB officer for explanation and they did something on the system whereby the card was swipe for 0% EPP, the officer will manually 'approved' the current transaction for 0% EPP. I do not know the reason but heard that they did not update the merchant machine because some of them are using Southern Bank and some of the is using Bumiputra Commerce one( Sountern and BBC has merged).

useful or not is diffrent story. when a buyer who do not have cash and in need of the item i think 10% oso he/she will pay. Other cc don't charge anything for 0% EPP except for i heard CIMB and PBB only if you want to convert your transaction into installment

Amex only good when u r overseas