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 Credit Card Thread V5, (added FMB website to 1st post)

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inspiron
post Jan 15 2009, 06:28 AM

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Im so fedup with Maybank CC!!!
» Click to show Spoiler - click again to hide... «


I got the same 'problem' with CIMB as well. I have Visa card and I call the CS before making a payment. Confirmed with the guy that I can make EPP with my hp purchase. So I go ahead and make the purchase.

After I've received the statement....I was fuming mad....I call their CS to complain kao kao. Don't repeat my mistake, after 1st complain, ask straight for their supervisor....I got a lot of useless CS who said going to check for me and call me back....but wait for the next full moon

The 1st guy did asked me to call back to convert the payment into EPP ...which I forgot to do sweat.gif

But the 2nd till the supervisor keep telling me that CIMB Visa dont offer EPP plan...but I told them to tell their CS staff....and not me.

After 1 month of phone calling and waiting....I thought they're waiting for the case to died out...but finally I saw the amount being converted to EPP. Even today when I call CIMB...the CS still kept 'nagging' me that I've done EPP with Visa card whistling.gif

Good luck with Maybank though thumbup.gif
inspiron
post Jan 19 2009, 05:01 AM

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QUOTE(m3red1th @ Jan 19 2009, 12:12 AM)
Hi all,

I just got my first job (going to start tomorrow) and are planning to apply a credit card from Maybank for online shoping.

I went to their website and learned that they require 2 months payslip for me to apply.

Since I just started to work, this month's salary will obviously be paid in pro rata (meaning not full month salary). Can I use this payslip + February's payslip to apply for a CC?
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Certain company like Dell or Intel, once you job is confirmed, you do not need salary slip. The CC would push a card for you to use already

QUOTE(charymsylyn @ Jan 19 2009, 12:51 AM)
MBB is usually quite strict with first-timers, either they'll reject or give low credit limit. Suggest you try CIMB instead.
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I got CIMB, HLB and UOB. UOB and HLB give me 150% more CL than CIMB...but I dont know about online usage
inspiron
post Jan 28 2009, 06:00 AM

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From: Penang


QUOTE(slo2earth @ Jan 27 2009, 10:30 AM)
anybody here offer application for credit card cimb?
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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 whistling.gif

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 laugh.gif


inspiron
post Feb 4 2009, 06:17 AM

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QUOTE(David83 @ Feb 3 2009, 10:39 AM)
As long as the shop you purchased from is the participating merchant of Maybank CC, you can opt for 0% installament programme. MBB Petronas also offers 0% installament programme.
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I have not seen an offer by using ezy-payment that is worth considering. Please note that the merchant would prefer cash payment but if they give ezy-payment, usually the price is mark-up or it's not a red hot item.

If you can choose to pay by cash, you can usually get other shop with a cheaper price for the item

that is but my 2 cents opinion. whistling.gif

QUOTE(J'Daniel @ Feb 3 2009, 12:16 PM)
For increase CL ... normally you have to fill in the form and state the amount you need right ?

Let say my current CL is RM5k. I put there RM10k
Is the bank going to reject straight if amount too high ? Or is the bank going to increase lower amount automatically ?

hmm.gif
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depends on their requirement. some bank need you to spend a lot last year in your card in order to qualify. Some need to see an increase in your salary or RHB just request that you show them that you got other cc that got higher CL than theirs then they will up for you.

QUOTE(zenwell @ Feb 3 2009, 01:47 PM)
Any info on DA balance transfer? DA agents, please?
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It is actually not offered exclusively for DA but all CIMB card holder. Get this, you can only do 1 time BL with CIMB and they only got 1 BL program ie;0% for 6 months.after that you pay 1.5% p/m

QUOTE(WhiteWing @ Feb 2 2009, 11:16 AM)
I want lower interest rate only ~ my gross salary very month got RM1.5k above after deduct EPF. My basic only RM1.1k but I work as salesman,very month got up and down but comfirm can get RM1.5k++

Can apply ka ? Got RM18k per annum woh ~
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The easiest entry to cc I heard is RHB bank.min 1.2k can apply liao
inspiron
post Feb 5 2009, 08:30 PM

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From: Penang


QUOTE(WilliamGoh @ Feb 5 2009, 07:57 PM)
i wonder what kind of legal action can a bank take against me if i don't pay my credit card debts? (less than RM30k debt required for a bankruptcy act)
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other than the action taken by the bank, prepare to get your name secretly blacklisted by all Financial instituition in the future for whatever loan you might like to apply. Car loan, house loan, PTPTN for your future children, need money to go honeymoon loan, etc

you should be worried about CTOS as well as 'once a white shirt kena black tar, the shirt need to throw away liao....very hard to wash it off'

My advised, go to AKPK. divide your debt to 10 years. At least after 11 years, bank can accept you back (you're blacklisted when you apply for AKPK as well)

dont think short term, think about your future wife and family.cheers
inspiron
post Feb 7 2009, 05:04 AM

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QUOTE(zzzxtreme @ Feb 6 2009, 03:15 PM)
im going for eon bank because i can buy barang for 36 months 0% installment. need to buy something LOL

or if there's alternative let me know.


Added on February 6, 2009, 3:16 pm

I cancelled my citibank, ambank by just calling them.
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it is best that you check with the merchant that you can pay 36m 0% before you apply as the merchant would lose out and not all merchant offer 0%.

QUOTE(Syd G @ Feb 6 2009, 07:15 PM)
with 3% "admin fee"

not really 0%
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I dont think Affin got BL 0% liao. How I know ?....I called the bank.But you can still enjoy their 9.99% pa charges...if you pay on time (compare to 18%)

But Alliance got 9% only

Best BL is still PB with 5% up front for 2 years. means you do BL 10k, you pay rm500 only for 2 years interest


inspiron
post Feb 20 2009, 11:16 PM

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QUOTE(Shinichi @ Feb 20 2009, 10:08 PM)
Hi all,

If I paid extra to bank, will they refund money to me when I cancel my CC?
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why not use it up paying for petrol. I read from here before got 1 bank delay or dont want to pay back excess $ paid to them. Maybe not all bank the same. Best is still to call the bank.

QUOTE
already permanent staff. The reason i want a cc cause after this easy to
apply loan 

curious, what loan you want to apply that'll be easier to get with cc? mind to elaborate?

inspiron
post Mar 2 2009, 10:56 PM

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QUOTE(teckhooi @ Mar 2 2009, 06:20 PM)
i want to apply AirAsia Citibank

AnyOne Doing?
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I just change my Airasia card to choice card. I dont find Airasia card having any benefit except for their '1 day before public' announcement of their offer for cheaper fare

But choice is so troublesome, need to swipe 2 times per month.

btw, I just called up HLB to do some Balance Transfer for me. Very convinient and affordable rate as well. They can transfer to any account for you. I asked them to send it to my bank account. Got rm2 charges for interbank giro. Rate is only 0.5% per month. can do up to 90% of credit balance

So if you got owe HLB cc some money, ask them to send the money to your account and pay the cc to save interest charges icon_rolleyes.gif

ps; Thanks to Gen-X for the idea from his blog thumbup.gif

This post has been edited by inspiron: Mar 2 2009, 11:01 PM

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