it will be no different if you pay your credit card bill every month in full

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Added on March 9, 2009, 6:55 pmbut i will pay the amount to maybank every month is it??
like i did everymonth on credit card?? or i pay to AMEX??

This post has been edited by WoodStock: Mar 9 2009, 06:55 PM

You can arrange payment to AMEX via M2U. That makes using the card convenient to pay I guess.

Don't know my place Standard Chartered bank can apply this Saadiq debit card or not, or I must go TTDI to apply for it?

Their fee can waive one. I ask for waive for my late payment and interest charges if I forgot to pay it that month or bank in cheque on the due date but which will not clear before the due date:D

Are you sure that late payment charges can be waived? Or you mean annual fee... Just want to confirm...

It's late payment charges and interest charges.
I already called them up few times before.
But other than this few months, all my bills are fully settlement, I not sure whether they treat this as a record or not.

Not only HSBC can waive, Alliancebank can waive also.
Just tell them any excuse you think is acceptable.

hi... do hsbc allow us to waive annual fees...

Yes, they do,
Usually I call them 1-2 month before the annual fee charge.

Hi guys, if i have 6k to do balance transfer.... which bank has better offer?

I was told Public bank give good deal but a month back ambank got promotion like 3k get a phone, 6k get lcd tv......

can anyone let me know which bank has it? i try to look around in queensbay last week and found nothing.

dannymc, ambank balance transfers are usually pretty shitty. You get the LCD TV but you have to carry your balance for 18-24 months without paying it off while being charged interest by the bank or something similar.

If you want a phone/LCD TV shop around outside, there are better deals there. Same thing with balance transfers, shop for the best one around. I've used Maybank, citibank, stanchart, their t&c will change depending on the time of year and the salesperson. I was contacted most recently by stanchart and citibank, but I'm not sure what their interest rates were.

Anyone from Hong Leong Bank?

If you have newly approved Credit Card then normally they give 1 time 0% interest with only small upfront fee.

Other than that, if you can settle your debt in 3 months time, I would suggest Bank Islam Platinum Mastercard. They offer 0% balance transfer with only RM6.20 upfront fee but you have to settle in 3 months. This is permanent feature of this card.

haha.. your post same like mine before..

don't take that ambank offer. its a disaster. they charge 8.99% X 2 / 24 months upfront

right now i prefer the public bank. at least they charge 5.00% upfront on the first month only (for 24 months repayment period)


anybody knows about affinbank balance transfer rate? its not stated on their website.

This post has been edited by iluvena: Mar 10 2009, 12:50 PM

Apply credit card jor from Numx on 22nd Febuary 2009. DOn't know when the card will arrive leh. DOn't know my document enough or not because my annum also got RM17k++

Yeah I'm also interested to know about Affin Bank Balance Transfer plan.


Anyone tried to combine 3 credit card into 1 balance transfer for Public Bank BT Plan? I called up their CS, the guy say max is 2 cc. But he said you may try but it's solely up to the management to decide. Anyone successfully combined 3 or more cards for 1 balance transfer?

Tried to apply Petronas Visa from maybank just now but they don't allow me.. =.=" Still under 3 months probation cannot apply wan ah???

Normally they request 3 month pay slip except some condition like ur pay is direct bank in to MBB so they know you work in there or you urgent need card go oversea

MBB has a stricter policy.

thanks for the info guys.

Hopefully PB BT is the choice for me.

The best Balance Transfer is still PB. 2nd to none so far

Whatever Ambank giving for its BL, I wont recommend to take it. its not worth it and another major point would be Ambank dont have Cash Deposit Machine. So you need to queue up during your lunch hour once every month to pay your bill.

I dont think all bank have such offer.

They no longer have any BL program. Their last BL would be 4% p/annum for 12 month.

PB BL might have the best BL around but there is one big (kinda huge actually) obstacle. Anyone having more than 4 credit card have not been known to apply succesfully from PB so far. (anyone manage to get it with even 3? I might be wrong)

It have been discussed in this thread before that PB cc is the hardest to apply.