Credit Card Thread V6
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 Jun 9 2009, 08:19 PM
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#81
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All Stars
52,874 posts Joined: Jan 2003 
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QUOTE(donpapachino @ Jun 9 2009, 07:04 PM) lol i also got it from maybank. amount 2k. monthly instalment 333.33 x 6 months. cash advance fee 77.60. I found out that the cash advance fee being charged is lower than the usual standard charge:that means we are getting 1922.40, but paying 1999.98 over 6 months.   QUOTE Flat rate of 5.00% of the total amount of cash advance Min: RM10 |
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Jun 9 2009, 09:46 PM
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#82
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(donpapachino @ Jun 9 2009, 09:42 PM) so how to calculate the effective interest rate per annum? n got any other hidden charges? From my understanding, it may not have any extra or hidden charge. Pay the cash advance fee (one time) and the amount will be converted into installament programme. These are my guess only. To clarify, give a call to MBB CS. |
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Jun 13 2009, 09:49 PM
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#83
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(shinzan @ Jun 13 2009, 09:48 PM) Mind to tell me why ? Because the interest charged on the amount withdrawn (outstanding) will be imposed daily from the day of withdrawal till you settled it in full amount. |
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Jun 13 2009, 10:00 PM
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#84
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(shinzan @ Jun 13 2009, 09:54 PM) So the best way to settle my debt is transfer balance to another credit card ? It's wiser since balance transfer charge is generally lower than cash advance interest (18% p.a.). |
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Jun 15 2009, 07:17 PM
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#85
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All Stars
52,874 posts Joined: Jan 2003
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I think I read an article in the The Star that fraud not due to you is charged to a max of RM 250.
Sorry, I couldn't find back the article. |
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Jun 16 2009, 11:01 PM
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#86
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All Stars
52,874 posts Joined: Jan 2003
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I got 3 cards from MBB. Thinking of dumping one or two.
 This post has been edited by David83: Jun 16 2009, 11:01 PM |
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Jun 16 2009, 11:13 PM
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#87
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(cute_boboi @ Jun 16 2009, 11:12 PM) Dump ? Wait till you see this: I already got Ikhwan Amex. Damn!American Express® Gold Credit Card Annual fee: Lifetime free waiver Minimum annual income: RM36,000 Read the T&C. No more begging for AF waiver |
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Jun 16 2009, 11:21 PM
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#88
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(cute_boboi @ Jun 16 2009, 11:18 PM) I got the Maybankard American Express Gold Credit Card + Amex Charge Card Maybank is making us to collect their credit card. Now they tempting with Amex Credit Card  They're offering more and more new cards which are usually equipped with better feature/value.  |
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Jun 16 2009, 11:31 PM
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#89
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(Shinichi @ Jun 16 2009, 11:28 PM) What does the last statement mean? Not related to annual fees right? I believe it's referring to the * under:Annual Fees Lifetime Fee Waiver Supplementary cardholder: Lifetime Fee Waiver 1% of the minimum repayment amount due or a minimum of RM5, which ever is higher, up to a maximum of RM75 (to include other related charges if any) QUOTE Benefits 1. 0% Finance Charge from now till December 2009* 2. Low Finance Charge of only 9% p.a. from January 2010. All you have to do is promptly settle your minimum payment of 5% or a minimum of RM25. 3. 5x Membership Rewards points for every Ringgit spent on groceries, petrol, bookstores - Kinokuniya, Borders, Times and MPH - and telco charges via Express Autopay - Celcom, Digi, Maxis and Telekom. 4. 2x Membership Rewards points for all spend elsewhere. 5, Lifetime Fee Waiver with complimentary supplementary cards. 6. My Statements - You can view your credit card statements online, sent to the email address provided in your application or by logging on to www.Maybank2u.com. Obtain your www. Maybank2u.com log-in ID and password from any Maybank branch. You can also request for a hardcopy statement for a nominal fee of RM5 a month |
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Jun 16 2009, 11:44 PM
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#90
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All Stars
52,874 posts Joined: Jan 2003
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Maybe due to that reason (online statement), they could afford to offer Lifetime Fee Waiver.
If you opt for printed statement, you'll be charged for RM 5 monthly. RM 5 x 12 == RM 60 per year. Think about it and usually gold card annual fee is higher than RM 60. |
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Jun 16 2009, 11:51 PM
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#91
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(cenkudu @ Jun 16 2009, 11:49 PM) argghh Amex ikhwan is on the way now this gold Amex looks so tempting Swiping 12 times annually is not a big problem for me. ikhwan need to swipe 12 times and this one free for life not forever Grocery and petrol at major merchants that accept AMEX will solve this little headache. I could swipe for more than that in a month. |
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Jun 16 2009, 11:56 PM
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#92
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(vin_ann @ Jun 16 2009, 11:54 PM) if wan hard copy, it's equivalent with annual fees jor.. AMEX annual fee is more than RM 60.For MBB conventional AMEX gold card, the annual fee is RM130. |
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Jun 17 2009, 12:02 AM
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#93
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(vin_ann @ Jun 17 2009, 12:01 AM) perhaps cancel my petronas card n apply the amex. But bear in mind that both are not using the same loyalty programme. |
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Jun 17 2009, 11:44 PM
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#94
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All Stars
52,874 posts Joined: Jan 2003
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I don't think that will matter.
You can also use your company card to swipe for personal stuffs as long as you pay back. Correct me if I'm wrong. |
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Jun 17 2009, 11:59 PM
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#95
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All Stars
52,874 posts Joined: Jan 2003
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Corporate card has very high limit.
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Jun 18 2009, 07:28 PM
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#96
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All Stars
52,874 posts Joined: Jan 2003
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When Ikhwan AMEX was first introduced, they offer a conversion from conventional AMEX to Islamic Ikhwan AMEX.
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Jun 19 2009, 11:37 PM
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#97
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All Stars
52,874 posts Joined: Jan 2003
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New version is up and running.
Please move forward to v7. Thank you. |
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Jun 19 2009, 11:40 PM
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#98
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(tinkerbel @ Jun 19 2009, 11:38 PM) @David83, Ha! Ha! Considered slow. Yeah I just saw it. You sangat cepats!  This version has 40+ posts excess! |
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Jun 19 2009, 11:52 PM
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#99
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(tinkerbel @ Jun 19 2009, 11:50 PM) @David83, 2500 posts usually.Er.. what's the usual limit? 2,500 post?! oK.. let's stop spamming. I think b00n will be closing this thread d next time he logs on |
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