can some1 tell me if i use cash advance for RM1000
how much interest i shud pay for next month..???

Approximately Rm15.00

Retailers in M'sia and less advanced countries in overseas are inexperienced handling cards with both debit and credit functions. It may frequently lead to failed transactions. But it is quite an experiment for retailers, towards a more convenient shopping system for consumers in the future.

RM200k home loan is not a big sum. Did your existing cc contain huge outstanding balance or BT yet to be settled when you applied for a new cc? Anyway, you can just neglect the bank in the future as they don't appreciate you as a customer. Their agents may contact you one day to promote their new products as they have already got your details.

Were the words - Debit and Credit shown on the screen when you did the transaction? In this case, I won't deposit any money into the current acc as I may press wrongly resulting in debit instead!

This post has been edited by winner: Jun 6 2009, 06:01 AM

When you provide a nominated CL, your supp practically "owns" that CL. So if you give a RM1k limit and the supp spends RM1k, your supp won't have a new "resetted" CL unless RM1k is paid to his cc account. (Take note that this nominated CL is taken out from the principal CL)

However, this depends whether the bank offer you a Nominated CL facility or a Shared CL facility. The scenario above is valid for a Nominated CL facility only.

All my credit cards added up and have more than 120k credit limit and there is about 15k on BT and instalments scheme used....May be they thought that these amounts are huge and risky to them.

Anyway, UOB did not call me at all even for verification.

I will not entertain SCB for future products if they call me.... They always called me for personal loans in which I did not entertain also before this application rejection since personal loan's interest is higher than cc BT.

This post has been edited by jack2: Jun 6 2009, 07:26 AM

The RM15k BT could be the main issue. I know how you feel. I was also rejected by MBB some 8 years ago. During that time, I had already worked for 2 years since graduated and had HLB Visa and Amex. I felt quite annoying when MBB rejected my application without giving me any reasons. After that I applied for DA and got the approval immediately. Until now I ignore MBB agents no matter how they approach me.

This post has been edited by winner: Jun 6 2009, 08:15 AM

MAYBANK SUCK

cut it. your problem solved.

@~twilight~,
And what was the original problem anyways?

This post has been edited by tinkerbel: Jun 6 2009, 01:17 PM

nope, din see credit or debit, just two Mastercard
no need to worry, if you have selected debit, it will prompt for PIN, just make sure you press cancel and don't key in

This post has been edited by alexwsk: Jun 6 2009, 01:47 PM

It should be no problem if you witness the transaction and tell the retailer to select cc function. However, some problems will occur if you dine at restaurant and use this card for payment. The retailer may think the transaction fails if he/she doesn't know how to operate it.

Are you sure ?


Yet many people still fail to repay their monthly loan installment every month ...

yup, so u'll need to follow them to the counter

lately any good promo?

Yes, a couple of good promotion such as 8% cash rebate from public bank & 8x MR for amex card. Also look at JustOne card from Standard Chartered.

This post has been edited by GHz: Jun 7 2009, 08:06 AM

Deleted!

This post has been edited by Seng_Kiat: Jun 7 2009, 09:42 AM

This morning I received SMS from SCB. They say that my application for JustOne card was approved & I notice that is SCB online banking too. It was not there yesterday. Do they really work on Sunday?

One more thing they seem to be generous with credit limit. They give me almost 50% more CL than the highest CL that I have previously.

Hopefully I get the RM50 early bird.

Guys,I have a question. Last Saturday morning,I have to go pump petrol at morning because no more petrol and I forgot to bring any cash with me except credit card. So I use credit card lah and I pay the amount on afternoon. But I know I got how many credit limit but after I paid it on afternoon and found out missing around RM150++ , why ~

Can anyone answer me ? Is it the petrol station telan my $$ ?

Just wait for the statement to come..sometime not accurate one...

Ohh ok ... ~ its is it a good practice ? I used the credit card on morning and afternoon I quickly go bank and pay back them. I don't know,hope pro people can answer me . Thanks in advance ..