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

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temptation1314
post Dec 9 2008, 08:50 AM

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Err..
I think I'm Dejavu'ing now.

Just want to ask opinion..
Which bank offers good rates for Balance Transfer?
Need to transfer some for that LV poison thing.. cry.gif
temptation1314
post Dec 9 2008, 07:22 PM

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QUOTE(tay @ Dec 9 2008, 06:48 PM)
I have applied the CITI Bank Giant Credit Card on July 2008.
May i know is there any additional fee i need to pay for cancelation this credit card?
*
Use a scissor - cut the credit card into half and call Citibank that you have just did that laugh.gif

Seriously - No additional charges la... Just cut before you throw the card away
Else, people will misuse it.
Call Citibank to inform them as well.
temptation1314
post Dec 9 2008, 07:27 PM

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QUOTE(temptation1314 @ Dec 9 2008, 08:50 AM)
Which bank offers good rates for Balance Transfer?
*
Aiyar... sweat.gif nobody answer one...

Can anyone assist? Any of the below banks....

EonBank, Maybank, RHB, HSBC, Hong Leong, Citibank....
temptation1314
post Dec 10 2008, 01:13 PM

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Ok la.. this one need expert to calculate already... Assuming I'm looking for 12 months with RM4k transfer

Eonbank
1 time interest @ 4.99%

Maybank
1% per month

Which one better? wink.gif
temptation1314
post Dec 10 2008, 01:38 PM

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QUOTE(tinkerbel @ Dec 10 2008, 01:20 PM)
Er.. I go missing for sometime and when I come back, the last few post seems to give me the impression everyone's discussing the best 'BT' ?

Ah well.... so what's new / happening around here?!  The 'oldies' still around? *grins*
*
Me 'oldies' also ma.. brows.gif but seldom come la...

Now finding a way to cure the poison left by LV... doh.gif doh.gif
temptation1314
post Dec 10 2008, 01:56 PM

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@tinkerbel

www.louisvuitton.com
This thing la.. I thought female sure know one.. sweat.gif

Ok, btw, Amex good? sweat.gif I mean in local stores.. most of them accept MasterCard/Visa only right? (Last time I think I go Shakey and they say no Amex...)
temptation1314
post Dec 10 2008, 03:56 PM

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QUOTE(tinkerbel @ Dec 10 2008, 02:55 PM)
@temptation1314,
I thought there was a different meaning for code LV (had no idea U meant Louis Vuitton) - how come I didn't get mine?! cry.gif

Amex is not too bad; it's gaining 'popularity' and the amount of points they give back is so much better.  I've bust my CL on my Amex 2 months in a row and now i'm back to using stoopid Citibank until I clear my Amex bill *grins*
*
Arghh... it's pain in the ass. Well you're not the other side, so you don't feel the fire in the ass.. sweat.gif

QUOTE(eviljonz @ Dec 10 2008, 03:32 PM)
Amex only good when u r overseas
*
This is what I hear usually. smile.gif
temptation1314
post Dec 11 2008, 08:40 AM

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QUOTE(shen1716 @ Dec 11 2008, 08:00 AM)
Anyone gt using eon bank credit card before?i am interested to apply eon bank credit card,but i hear my brother say even u pay the bill on time,it still charge u financial charges.Anyone knw?
*
Any outstanding amount in the bill??? If yes, there is financial charges, else, you have to consult with the banks already.
Oh ya, Cash advance and Free interest period counted as well..
temptation1314
post Dec 11 2008, 12:19 PM

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Well...

Debit card = treat them as Prepaid Card (actually it is a PREPAID CARD)

Credit card = Instant Loan when u need it, but with a limit.
temptation1314
post Dec 11 2008, 12:25 PM

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^Actually I damn lazy to explain to him one..
Well.. spoonfeed wont hurt... tongue.gif
temptation1314
post Dec 11 2008, 10:55 PM

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^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...
temptation1314
post Dec 12 2008, 12:13 PM

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^Give them a call....
temptation1314
post Dec 12 2008, 01:08 PM

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3k with CL 25k? Which bank? tongue.gif
temptation1314
post Dec 12 2008, 01:18 PM

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Not sure if it's a mistake or what..

Most of the card in the M2U sites have to meet the requirement of 30k annual.

But when i check with their staff, they just mentioned 18k for classic and so on...

I think 30k is for Gold. wink.gif
temptation1314
post Dec 13 2008, 02:15 AM

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QUOTE(mopster @ Dec 13 2008, 01:08 AM)
hehe build up a good credit history then request for a CL increment.. the bank will most likely grant your request.
eg max out your CC & pay in full everymonth and do it for like 1/2 a year and then request to increase CL..
thumbup.gif
*
I think you'll still hit the limit wall.

3k with 25k CL, it's like Salary X 8 blink.gif
Even for Personal Loans.. the Max was X5 from CIMB itself.
temptation1314
post Dec 19 2008, 09:25 AM

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doh.gif Deng...
Citibank reject my AA Card Application...
temptation1314
post Dec 19 2008, 12:55 PM

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QUOTE(wcs2798 @ Dec 19 2008, 10:30 AM)
u apply online?

my application take only around 2 week to approve and collect the card and free gift t-shirt after that.and even they send the pos laju track number to me via sms
*
Yes online...
The process takes less than a week for them to reply me...Monday done, today kena reject.. doh.gif doh.gif
temptation1314
post Dec 19 2008, 02:06 PM

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QUOTE(tinkerbel @ Dec 19 2008, 01:06 PM)
@tempation1314,
Er.. U applied too many times is it until kena rejected?
*
1 time only... sweat.gif
Not sure why kena reject also...
temptation1314
post Jan 13 2009, 02:39 PM

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Ok, since I'm looking into apply a few more CC

Anyone here is agent that want to take on me? Else I'll head to branch and apply. tongue.gif

Anything Except CIMB(Currently holding) and Citibank(rejected last few weeks)
temptation1314
post Jan 13 2009, 06:41 PM

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QUOTE(davidlow7 @ Jan 13 2009, 05:54 PM)
Yeah now I abit regret applying the Hong Leong Bank CC.

Now I'm going terminate the card but wait till other CC arrives first.

Need to ask you regarding on interest P.A

Example:
Let's say I have a RM1000 outstanding.. (assume no transactions made after that)

My payment:
1st month = RM350
2nd month = RM350
3rd month RM = 350

RM1050.. just assume the extra RM50 is for the 1.5% interest... (dun count too exact)

So will I be charge the 15% interest P.A when the year ended? No more overdue and it is within the 12months since my card first started.

As per CS told me is no, but he seems blur so I hope anyone can verify this to me

Thanks in advance
*
don't get you.. normally count like this
lets say ur outstanding have reached maturity before you make payment

1st month interest = RM1000 X 0.015 = RM15
You pay RM350
So it's RM1015 - RM350 = RM665
2nd month interest = RM665 X 0.015 = RM674.98
You pay another RM350
So it's RM674.98 - RM350 = RM324.98
3rd month interest = RM324.98 X 0.015 = RM329.85
So on the 3rd month, you only pay RM329.85 to clear all outstanding.

Total payment RM350 + RM350 + RM329.85 = RM1029.85 (interest RM29.85)

if you pay before the outstanding matured, you will save a lot interest. smile.gif
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