facts: you did a balance transfer -> you do not pay full payments -> you pay late payment interests -> you are a credit card defaulter (before you did a balance transfer)

honestly, the banks like customers like you. the interest you pay can never match the amount they get from merchant credit card charges. they try their best to keep you. they love you (no pun intended)

if you actually believed that they upgraded you to gold simply and the fact that this would further tie you down did not cross their mind, you may be wrong.
they may had it all planned. they know your cannot cancel your card now.
now you just have to check the terms, most probably you could demand for classic back, but hmmm it's gonna be tiring.

FYI, look again, any of you guys already getting the slightest idea that the customer service officer above is "well trained" The staff asked if you want to cancel your card, not if you insist on changing back to classic. If the staff it a normal credit card agent, die die also give you classic, dun want you dun have card with them.

This post has been edited by aeronic: Apr 18 2009, 08:09 PM

from the list of cool dudes who did comparison on CC earlier etc.
anyone knows about the ambank credit card deal for the HP Mini Netbook? heard from another thread someone saying that HP told him that it will not be officially launched in MY untill the Ambank Credit Card promo for this netbook is over? any idea?

nice try, when you made the wrong joke about customer service letting it all out
anyway, the post was for other people's education, not really a reply to you

you CANNOT DO balance transfer in Malaysia if you don't have outstanding balances with interests
so there are no assumptions here. and hope you're not going to say you meant BT as bluetooth.

This post has been edited by aeronic: Apr 18 2009, 08:57 PM

ohhh balance transfer for property loan?
nice try again....your phone call is about credit card balance transfer remember?
or are you going to say you pay your "property" using "credit card" installments. LOL

when you do BT you have oustanding balance, if you say you did not pay for a month and BT, the bank just bought the chance to collect your interests from the other bank by giving you a more competitive repayment rate.

they did not simply transfer your auto debit without a balance to transfer in which they charge you interests.
so you are still paying interests for credit card, so what I said about the bank wanting to keep you is not an assumption.

you may say the returns from the property is higher in the end, but noone is arguing about that
that is why I don't understand what you mean by assumption, balance transfer means you have defaulted payment to pay and the banks will try to keep you cause you make them richer.

bolded. u paid the same upfont fee that all balance transferers pay no matter how little your balance is.
you cancel your card, they still win, becase you paid upfront some moolah to them.

you're trying to tell that you don't pay your bills late and no overdue payments? ohh. ok, but i never asked
you did a BT....so you paid them to the same effect.

This post has been edited by aeronic: Apr 18 2009, 10:45 PM

no one's mocking you, look at your posts, you seem to be very sentimental on thinking if anyone is saying you're defaulting payments every month and going in circles.

anyway the message is delivered and it is clear for ppl to see.

monthly interests vs upfront interests
and i am making assumptions?
let's say you pay your cc full ammount every month
but you TOOK A BT this month

1)so this month you did not pay full payment is correct
2) you pay late payment interests = yes, which was subsidized by your new BT-ed bank
3) you are a credit card defaulter (before you did a balance transfer)
(yes the previous bank would have charged you the same ammount as if you skipped payment, then your new bank have subsidized it with their BT rate, and they paid your old bank)

then they bill you monthly which you may pay promptly
but this is already an installment of the overdue balance already
they may not charge you more if you pay this on time
but they already charged you ahead for this installment in the first place

we all of us know very well you did not take the BT for fun, like you said previously.

your current statement balance due for that month is considered outstanding already when you did the BT
1) i am not gonna waste time replying to your around the bush replies again.
2) let people see for themselves since this thread is pinned
3) you are one of the smart alec, who tried to do BT for fun by paying "special interests"

EDITED: Example on the post below:
twist and turn, this coming from someone who "went thru the looholes' and paid some extra moolah in the name BT with a different name for the fun of it. sounds like she's talking to herself. nice..

This post has been edited by aeronic: Apr 19 2009, 01:14 AM

does the premier card allow access to airport lounge at KLIA?
their "higher" may not be your "higher"
it is subjective depending on what you need
theirs could be just a "feeling"