Read post #1452 of this thread http://forum.lowyat.net/topic/457588/+1440 , sama case.

Oic,thank you so much ~ but with my previous question ... can help ? Like I swap on morning and pay them back at afternoon ..

You are extremely discipline. However, it doesn't serve the purpose of having a cc which allows
you to purchase using "future money" first with interest free and to settle the debts of every month at once before the payment due date. Because of that, dc is more suitable for you instead of cc.

Haha I know .. but I really have no cash that time and my debit card sleeping inside my drawer pula .. don't like this la .. but will it got effect anything if I do like this ? Will bank feel strange of my attitude because use at morning and pay back at afternoon . At young I use DC but now CC TIME

This post has been edited by WhiteWing: Jun 7 2009, 03:56 PM

Eh...it looks like either you or me misunderstood each other.

You asked whether it's a good practice to immediately pay off everything in the afternoon after you used your cc in the morning, and I just gave you my point of view.

Anyway, I didn't really get 100% what you wrote!

So sorry about that ....

Well,thank you for your point of view .. just that I abit frustrated also ...

Well,next time I won't go bank so hurry just because of that. Now you let me know I can pay later with interest free

You are welcome!

You may only make the full payment upon receipt of statement. As you are such a dicipline person, I'm sure you always pay promptly. Keep it up!

Thank you.
You mean like this .. I only can make the full payment upon I receive a new statement ? If I pay up now , what will happen ~

Sure. You can pay even you haven't received cc statement. But not many people do that.

Then its should be ok if I can pay before the cc statement come ~ I wanna have a good record with bank ..

Your record will always be good as long as you settle full outstanding amout before payment due date, which is normally counted as 20 days from the statement date. It doesn't mean that you must pay before receiving the statement. You will get yourself more familiar with the concept once you receive the statements for a couple of months.

This post has been edited by winner: Jun 7 2009, 08:27 PM

I came across ppl saying using cc to pay other bank cc. Is like rotational system cc1 pay cc2 then c2 pay cc3 then cc3 pay cc1.
Meaning everymonth pay for other bank.

are you talking about balance transfer?

The closest to the above is balance transfer but should the above happens means that person have a serious cc debt problem. Means not good at all, please avoid falling into the above category at all cost.

for all new owners of Eon Gsc credit card or any eon card for that matter,you can now register for online intenet banking , in order for that u need T-pin request, previously you had to go to the bank and request for it , i had a hassle of problem with this as i requested it from the bank few times but failed to receive it by mail ..the good news is now they have an online t-pin request, so you can register for online banking by using the online tpin request, just need key in your card number, last 3 digit number, IC number and card limit, hope this helps !

Thanks Ray. I just registered my online internet banking using your method.

anyone applied for the GSC Card? I applied but for 1 week no news at all...

i applied it at eon branch at pavillion, total time please wait around 2 weeks....

I received a EzyCheque from Maybank. It's based on my Maybank CC.

One-time interest paid (cash advance fee) at 3.88% with 6-month installament programme. The amount is RM 2000 only.

Same here.
If you calculate carefully, they charged you 3.88% for the 6-months cash. In actuality, MBB are charging you 7.76% admin fee for the cash advance. On that piece of paper, they have stated (in RM) the actual fees charged - it should come up to RM155.20, am I right ?