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

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yiivei
post Nov 10 2008, 04:23 PM

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QUOTE(MilesAndMore @ Nov 10 2008, 04:03 PM)
Which is a piece of cake. Just spend on petrol alone will do laugh.gif
*
wat if one's doesnt drive?

anyways guys, can i use m2u to settle my cc balance for other bank?
yiivei
post Nov 16 2008, 08:34 PM

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any1 has register on the secure e-pay? i have juz registered myself.. but, i duno wher to log into the a/c? any ideas?


yiivei
post Nov 16 2008, 09:07 PM

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QUOTE(vin_ann @ Nov 16 2008, 08:59 PM)
u only need to key in ur e-secure e-pay thing when u purchases good online.
*
i still dun get it. can giv me an example?
yiivei
post Nov 17 2008, 11:12 AM

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QUOTE(fikrie @ Nov 17 2008, 09:54 AM)
what she meant was, de window for authorization n such will appear prompting for password before u could conclude de transaction.. there's no a/c watsoeva 4 u to log in to do online trans for secure e-pay..

correct me if i'm wrong..
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ok got it... thanks!!

btw~ will they cancel my CC if im inactive for few months or so?
yiivei
post Nov 19 2008, 04:27 PM

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QUOTE(hye @ Nov 17 2008, 03:01 PM)
No they won't. In fact, you can keep your card for years without usage and they still won't cancel it but be aware of your annual fee anniversary if you are not using a free-for-life card.
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Im using a free-for-life card. so i got nth to worry on. juz tat i wont use it until the end of this year to pay my study fees... anyway~ thanks


Added on November 19, 2008, 4:29 pm
QUOTE(fikrie @ Nov 19 2008, 11:04 AM)
really? i thought CL for DA is standard for all new applicants..
stay prudent once u got ur raise, o'wise u might end up strangled wit ur own debt..
*
i tink standard CL is 6k gua.. coz i got 6k CL 2..

This post has been edited by yiivei: Nov 19 2008, 04:29 PM
yiivei
post Dec 6 2008, 01:43 PM

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QUOTE(David83 @ Dec 6 2008, 01:35 PM)
A new list of CIMB latest promotion for CIMB and DA Mastercard cardholders:

10% rebate + 10% to 20% of discounts at participating merchants:

The list is available at: http://www.directaccess.com.my/pdf/CIMB%20...bate_041208.pdf

Promotion period: 1 December 2008 to 30 April 2009.
*
yep. i received their member priviledges and rewards mag couple of days ago..
yiivei
post Dec 6 2008, 01:47 PM

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but the 1 u post is xtra discount..

mostly for west msia de.. sigh~

yiivei
post Dec 6 2008, 01:48 PM

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QUOTE(ruztynail @ Dec 6 2008, 01:47 PM)
its hard ler .. need to time yr purchase properly.. like 1st fri 2nd fri.. one monday.. etc.. its supposed to be more convenient.. ending up need to pre-plan yr expenses.. want to buy also need to wait till tat particular fri or so.. thn whn it reaches thn.. forgot di..

i think its rather troublesome. want to buy jus buy.. get discount.. wouldnt tat be easier..  patut cimb can get so many merchants discounts.
*
depends lor. 10 - 20% is alot sometime. so need to plan perfectly in order to enjoy the benefits..

bside some are for certain boutiques only..


Added on December 6, 2008, 1:49 pm
QUOTE(David83 @ Dec 6 2008, 01:48 PM)
CIMB or DA user? New cardholder?

I didn't receive anything yet. Let's see if it comes in the upcoming statement most probably next week.
*
new DA user...

This post has been edited by yiivei: Dec 6 2008, 01:49 PM
yiivei
post Dec 11 2008, 02:30 PM

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ei guys, can i be able to view my direct access statement online now(statement date is 29).. as i juz make a payment online on AUD, i wish to check how much is the exchange rate by VISA..
yiivei
post Dec 11 2008, 02:53 PM

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QUOTE(vin_ann @ Dec 11 2008, 02:43 PM)
just waits for few days, then u able to see the transaction under un-bill transactions
*
is it under CIMB website? shud i register under CIMB website in order to view online statement?
yiivei
post Dec 11 2008, 04:05 PM

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QUOTE(fikrie @ Dec 11 2008, 03:12 PM)
i dun think de exchange rate will be stated in the online statement, unlike mbb.. the amount appear would be in converted value.. i guess u have to call the centre to get the exact rate..

btw, u need to register for cimbclicks in order to view the online statement..
*
ok. thanks. seem like i got to register cimbclicks at the nearby atm..
yiivei
post Dec 16 2008, 11:00 AM

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QUOTE(tgeoklin @ Dec 16 2008, 10:41 AM)
Erh, thought DA is a division of CIMB????
*
yes it is.
yiivei
post Dec 16 2008, 12:22 PM

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hey guys, is the rate impose by DA usually higher compare to the actual rate?

i call DA cs a while ago asking the exchange for AUD -> RM, and he told me tat the conversion rate by DA as per today is 2.431..

whereby, i check to bank negara, the rate is 2.3787(middle rate at 12 pm)

and 2.343 from XE.com at 12:17pm..

geez..
yiivei
post Dec 16 2008, 12:30 PM

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i tink i noe why DA charge 2.431 as tat the selling rate, whereby buying rate is 2.334..

if i were to pay by AUD using cc, shud i look at the selling or buying rate?

thanks
yiivei
post Dec 16 2008, 01:01 PM

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@ tinkerbel,

thanks. or, can i say we look it differently from the bank? sell for bank means buy for us, and vice versa?
yiivei
post Dec 27 2008, 08:33 PM

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QUOTE(charymsylyn @ Dec 26 2008, 11:38 PM)
Cash advance is always charged at 1.5% p/m interest plus cash advance fee (usually 5% of withdrawn amount) for credit cards in Malaysia. Cash advance fee plus interest is charged from the day you take out withdraw money up to date of full repayment.

Retail interest is 1.5% p/m (if new account or late payment having occurred more than twice within past 12 months). 1.416% p/m is for people who paid late once or twice within the past 12 months and 1.25% p/m for no late payment within past 12 months.

20-days interest free is only applicable if you have made full payment before due date every month. Each month you do not do so, interest is charged from transaction date (not posting date) till date of full settlement. Transaction/repayment is calculated on FIFO basis.
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so, the 1st transaction are normally charge with interest rite?

i have made 2 transaction using my DA cc. b4 i made the payment, i do check with the visa rate imposed. the rate is below 2.40 (for AUD-> RM). but, once i check my statement online, i found out tat they charge my 2 transactions by rate of 2.46 and 2.48 respectively.. sigh~
yiivei
post Jan 6 2009, 05:03 PM

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i used maybank2u to pay my DA cc payment on last saturday. it has been accepted, but it doesnt show as successful till today.. normally, how long do i need to wait?


yiivei
post Jan 7 2009, 12:39 PM

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QUOTE(David83 @ Jan 6 2009, 06:15 PM)
It could take up to 3 working days. Check again on Wednesday or Thursday.
*
thanks bro..
yiivei
post Jan 28 2009, 07:24 PM

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we pay in full by using DC.. tats y it comes with 0% instalment..

haha~
yiivei
post Jan 31 2009, 01:26 PM

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hey guys,

the other day, my friend approach me.. he asks me to help him up by applying cc from him.. he asks for a photocopy of my current cc.. is it a must?

i need to strike of the ccv digit rite? if not, he can use my card rite?

thanks

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