Recently I bought kitchen cabinet set and service from a kitchen specialist and paid the progress payment using credit card.

They are very clever to request until 90% of the total amount before the installation. Then left 10% after everything is done and you satisfy it, you pay the remaining balance.

However, the installation job and certain things are not as good as promised.

As the credit card holder and consumer, do we have the right to request our bank to revert that credit card payment and charge back the merchant due to undelivered of service as promised?

I think I will switch to AMEX charge card instead of credit card.

Due to busy schedule and sometimes may forget to make full payment on time, say 1 day late and immediately late charges and interest charges will be imposed. For interest charges, it is counted from the date of transaction until the date of payment, not from the statement date (new rule since few months or a year back).

It added more financial burden to cardholders instead of encouraging them to pay in full.

I just reviewed all my past statements and noted this... I am requesting them to waive them.

However, not many merchants accept AMEX due to higher sale charge.

Usually I use credit card to make online bills payment only like TNB, TMB, Streamyx, Maxis etc.

Anyone has good organiser to remind us on each due dates of credit cards so that we do not need to set every month.

Set it for once and when we on the computer and if that date falls on, we will get pop up reminder.

I am now testing with Google Calendar to set events....

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

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.

wakakakaka... why not you remind me every month,, then i remind u too...