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 Credit Card Thread V6

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kneok
post Jun 17 2009, 02:48 PM

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QUOTE(MilesAndMore @ Jun 17 2009, 02:37 PM)
Actually just your salary slip will do. Not everyone has EPF, just so you know. Both my parents do not have EPF. They both opted for another pension scheme.
Very well said.
laugh.gif
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Well, my daily schedule really allows me no time to go anywhere during office hours. At night got plenty time cool2.gif haha. I certainly don't want to take leave (so little they gave me, leh) just to apply for credit card, so was wondering whether got any agents here or not. That is all.

I didn't meant to sound like show off, so sorry if it sounded that way guys. sweat.gif
tinkerbel
post Jun 17 2009, 02:49 PM

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@kneok,
U could always take advantage of the weekends when U go to the malls. Loadsa CC agents hanging out at the many roadshows held at malls over the weekends.

Good Luck!
ronnie
post Jun 17 2009, 03:34 PM

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QUOTE(kneok @ Jun 17 2009, 02:48 PM)
Well, my daily schedule really allows me no time to go anywhere during office hours. At night got plenty time  cool2.gif haha. I certainly don't want to take leave (so little they gave me, leh) just to apply for credit card, so was wondering whether got any agents here or not. That is all.

I didn't meant to sound like show off, so sorry if it sounded that way guys.  sweat.gif
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There's plenty of CC Bird-of-Prey in shopping malls.... just take a walk along Carrefour Midvalley entrance.
he-sham
post Jun 17 2009, 03:58 PM

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20 days interest free period for new purchase applicable if pay minimum or pay full ??

becoz bank islam card in their website mentioned

20-Day Profit Charge Free Period
Automatic 20-day finance charge free period for retail purchases, if the previous month's minimum payment amount is paid by the due date

here the reference:
Bank Islam Card Fees & Charges
Gen-X
post Jun 17 2009, 03:58 PM

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QUOTE(tinkerbel @ Jun 17 2009, 01:22 PM)
@kneok,
If U haf enough time to be on LYN and post here, U should have enough time to do what U need to get done, when Ur not in court or being bullied by the seniors tongue.gif
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You are right, if he got time to post here at LYN around 12 noon he should have enough time to go fill in a CC application form which can be easily be obtained from the bank (unless his office is in some kampung where there are no banks) or he can simply ask his dispatch boy to go get one. As you and ronnie pointed out, there are plenty of agents on weekends at the malls, guess where he comes from there are no malls, hahaha


Added on June 17, 2009, 4:07 pm
QUOTE(he-sham @ Jun 17 2009, 03:58 PM)
20 days interest free period for new purchase applicable if pay minimum or pay full ??

becoz bank islam card in their website mentioned

20-Day Profit Charge Free Period
Automatic 20-day finance charge free period for retail purchases, if the previous month's minimum payment amount is paid by the due date

here the reference:
Bank Islam Card Fees & Charges
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**Edited**

Usually, the approximately 20 days interest free period only applies if settle all outstanding amount prior to the payment date. So if you pay 5% minimum payment only, interest will be imposed immediately for all new transactions i.e. you no longer get the 20 days free interest.

But from the link you gave, you do enjoy automatic 20 days free interest for new transactions if you pay the minimum 5% before payment due date. Guess Bank Islam's policy here is good for the card holder.

This post has been edited by Gen-X: Jun 17 2009, 04:12 PM
kneok
post Jun 17 2009, 05:06 PM

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[quote=Gen-X,Jun 17 2009, 03:58 PM]
You are right, if he got time to post here at LYN around 12 noon he should have enough time to go fill in a CC application form which can be easily be obtained from the bank (unless his office is in some kampung where there are no banks) or he can simply ask his dispatch boy to go get one. As you and ronnie pointed out, there are plenty of agents on weekends at the malls, guess where he comes from there are no malls, hahaha


Added on June 17, 2009, 4:07 pm

my office got internet, what's so wrong about posting at 12 noon? Nearby my office got some banks, but not interested in their credit cards, please see my original post.

I don't normally spend my time in malls in the weekend. There's no need for personal attacks or attack kampung people. I'm thankful for ronnie and tinkerbell for at least giving suggestions. if you have nothing to add then better not post.
leoboom
post Jun 17 2009, 05:06 PM

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QUOTE(tinkerbel @ Jun 17 2009, 11:11 AM)
@leoboom,
Should U decide to activate this new Gold card, the old one will be deactivated 90 days thereafter.  Hence, if U do decide to throw away the card, please make sure you destroy it because transactions will still go through for the next 90 days biggrin.gif
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wow so long.. but i will keep the old card la.. collection biggrin.gif

anyway, just when i used all my bonus points and paid all outstanding balance and ready to terminate it.. they sent me a gold card automatically out of nowhere.. hlb..

sweat.gif
tinkerbel
post Jun 17 2009, 05:10 PM

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@leoboom,
Ah well.... it's entirely up to U as to whether or not U want to accept this Gold Card. If u don't then just uhm.... don't activate it. U can also still cancel the existing one as planned biggrin.gif
MilesAndMore
post Jun 17 2009, 05:31 PM

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QUOTE(kneok @ Jun 17 2009, 02:48 PM)
Well, my daily schedule really allows me no time to go anywhere during office hours. At night got plenty time  cool2.gif haha. I certainly don't want to take leave (so little they gave me, leh) just to apply for credit card, so was wondering whether got any agents here or not. That is all.
Actually you don't need to rely on credit card agent to do the work for you. Just download the application form online (for HSBC you can simply fill the form online, no need to download anything) and send all your supporting documents (a photocopy of your MyKad, 3-month salary slip etc.) For Citibank, you can fill a form online and then one of their agents will call you smile.gif

jack2
post Jun 17 2009, 05:42 PM

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Is SCB online banking able to pay TNB electricity bill by using their credit card linked to online banking?
MilesAndMore
post Jun 17 2009, 05:51 PM

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QUOTE(jack2 @ Jun 17 2009, 05:42 PM)
Is SCB online banking able to pay TNB electricity bill by using their credit card linked to online banking?
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Yes. You can.

he-sham
post Jun 17 2009, 05:54 PM

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QUOTE(jack2 @ Jun 17 2009, 05:42 PM)
Is SCB online banking able to pay TNB electricity bill by using their credit card linked to online banking?
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SCB not sure...

but i think citibank comfirm got...even wanna topup prepaid credit also can use credit card payment online... thumbup.gif

This post has been edited by he-sham: Jun 17 2009, 05:55 PM
Gen-X
post Jun 17 2009, 06:00 PM

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QUOTE(kneok @ Jun 17 2009, 05:06 PM)

my office got internet, what's so wrong about posting at 12 noon? Nearby my office got some banks, but not interested in their credit cards, please see my original post.

I don't normally spend my time in malls in the weekend. There's no need for personal attacks or attack kampung people. I'm thankful for ronnie and tinkerbell for at least giving suggestions. if you have nothing to add then better not post.
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well, you said you are a lawyer, so I would expect you to be smarter than others since you are a learned gettleman. Since you got internet, I am sure you would have checked out the website of the card issuer you are interested in and I am sure you would have seen their customer service contact number or even email contact, you could have easily called CS and they will give gadly fax to you the applications form (but you should know where to get info like this since you are a lawyer right?). Is just that you boasting that you are so busy that got no time... I deal with lawyers and even have lawyer friends and they got time for happy hour, hahaha you must be the most hardworking lawyer around.

This post has been edited by Gen-X: Jun 17 2009, 06:01 PM
jack2
post Jun 17 2009, 06:08 PM

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QUOTE(MilesAndMore @ Jun 17 2009, 05:51 PM)
Yes. You can.
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Then my opportunity cost is RM50 as my TNB bill every month is RM1000 leh... cry.gif
alexwsk
post Jun 17 2009, 06:30 PM

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QUOTE(jack2 @ Jun 17 2009, 06:08 PM)
Then my opportunity cost is RM50 as my TNB bill every month is RM1000 leh...  cry.gif
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and by swiping for 12 months (on friday), u can fully utilize the RM600 rebate thumbup.gif
MilesAndMore
post Jun 17 2009, 06:31 PM

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QUOTE(jack2 @ Jun 17 2009, 06:08 PM)
Then my opportunity cost is RM50 as my TNB bill every month is RM1000 leh...  cry.gif
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RM1000 ? WOW !! How many air-cons you have ? laugh.gif

jack2
post Jun 17 2009, 06:47 PM

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QUOTE(alexwsk @ Jun 17 2009, 06:30 PM)
and by swiping for 12 months (on friday), u can fully utilize the RM600 rebate thumbup.gif
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No use. My application was rejected last 2 weeks.

QUOTE(MilesAndMore @ Jun 17 2009, 06:31 PM)
RM1000 ? WOW !! How many air-cons you have ?  laugh.gif
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I help my bro's company to pay for his TNB bill ma....
alexwsk
post Jun 17 2009, 06:55 PM

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QUOTE(jack2 @ Jun 17 2009, 06:47 PM)
No use. My application was rejected last 2 weeks.
I help my bro's company to pay for his TNB bill ma....
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nvm, try again in few months time
JamesPond
post Jun 17 2009, 08:32 PM

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QUOTE(jack2 @ Jun 17 2009, 06:08 PM)
Then my opportunity cost is RM50 as my TNB bill every month is RM1000 leh...  cry.gif
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SCB got contest?
vin_ann
post Jun 17 2009, 09:40 PM

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QUOTE(jack2 @ Jun 17 2009, 06:47 PM)
No use. My application was rejected last 2 weeks.
I help my bro's company to pay for his TNB bill ma....
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later auditor will query...

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