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Originally posted by medangmru at 30-10-2006 03:07 PM
At least RM80K annual income.......paling kurangla.....banyak Bank letak sampai RM120K annual income....
Cuma...Mungkin Bank akan pertimbangkan upgrading Gold Card ke Platinum Card ..BUT . ...
80k ek.... tak sampai lagi laaa.... keskeskes... jauh banget lagi tu.... :lol
takpe laa... gold card pun dah ok.... tu pun penah kena tenung dek one guys masa byr guna kad tu kat klcc... agaknya dia tak caya kot, minah selebet cam fox ni pakai gold card... :lol |
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Originally posted by burning_ash at 31-10-2006 10:23 AM
lagi banyak dapat credit limit lagi banyak lah nafsu nak berbelanja..so rasanya baik kita dapat kad classic je tak payah lah nak dapat sampai ke platinum....
as long as pandai mengawal nafsu, dapat kad platinum pun dia leh control... tapi kalau kita tak kuat nak tahan nafsu, pakai yg biasa pun boleh menyusahkan ash.... :ah: |
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Originally posted by Foxey at 31-10-2006 10:24 AM
hmm... tgk laa camana... med, nak tanya sket... last year masa dia upgrade jadik gold, dia janji waiver fee sethn... pastu masa i complaint kat dowang sbb dowang chged me this year, i ckp they ...
Biasanya boleh...tp derang akan tawarkan 2 perkara:-
1. Free For Life - Takyah bayo annual fee for life dgn syarat ko kene wat at least 2 transaction every month. Any amount kalau tak salah aku. Kalau tak...derang akan denda ko RM 5 tuk setiap transaction yg tak dibuat ( sesaper yg boleh confirmakn bende ni...pasal aku hanya diberitahu via phone oleg CRU derang )
2. Subscribe at least Auto Debit scheme via Credit card CTbank.
Kebetulan plak derang baru charge annual fee aku RM195 bulan lepas....aku mohon waiver...dan 2 options diatas yang derang suh pilih. So aku pilih options no. 2 dan RM195 tu akan di reverse balik ke cc akaun aku bulan depan. Sbbnya...Aku billdigi aku xlah byk sgt.:nerd::nerd::nerd: |
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Originally posted by zaida at 2-10-2006 08:33 AM
nak citer pengalaman gue hampir ditipu hari sabtu lalu...
lebih kurang pukul 2.00 ptg aku dpt panggilan dr seorang lelaki yg memperkenalkan dirinya sbg zairul... dia bg tau dia dr credit card ce ...
huhu, aku pun pernah dpt call cmni.. tp nasib baik aku x bagi.. sbb aku ckp.. aku xmo amik promosi tuh... pastu masa mintak no blkg tu pun... aku mcm teragak2 nk bg.. mcm2 alasan aku ckp.. wallet ada dlm laci lah.. ape lah..
nasib baik...
pastu aku x pasti ni kerja org dlm bank CC aku atau org kt co. insurans aku... sbb die bgtau die dr co. insurans aku, cuma die slh sbut nama ejen aku jek.. tp cmne leh tau lak aku ada cc, sbb aku baya insurns pun potong saving account.. pelik2... mcm2 pnipu neh
[ Last edited by kazaraf at 31-10-2006 02:19 PM ] |
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Originally posted by medangmru at 31-10-2006 02:07 PM
Biasanya boleh...tp derang akan tawarkan 2 perkara:-
1. Free For Life - Takyah bayo annual fee for life dgn syarat ko kene wat at least 2 transaction every month. Any amount kalau tak salah ...
med, mintak secara bertulis ke apa ni med? citibank yg offer med ke nih? hmm... kalo fox, nak amik option 1 laa kalo dia tak kira baper amaun per transaction... cos kalo buh minyak dah tentu pakai kad nih bila buh penuh... |
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tu pun kalau boleh nak mengawal nafsu....kalau yang jenis pantang tgk ada sale je dah jadik addict nak slasd je kad tu kat shopping mall...nak buat cam ner.. |
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Originally posted by burning_ash at 31-10-2006 04:12 PM
tu pun kalau boleh nak mengawal nafsu....kalau yang jenis pantang tgk ada sale je dah jadik addict nak slasd je kad tu kat shopping mall...nak buat cam ner..
keskeskes... tu laa fox ckp, kalo tak tahan dan takleh nak kawal, waima kad klasik pun di zrash nyer sampai abis limit.... tapi kalo leh kawal, takkan jadik masalah... |
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Originally posted by medangmru at 31-10-2006 02:07 PM
Biasanya boleh...tp derang akan tawarkan 2 perkara:-
1. Free For Life - Takyah bayo annual fee for life dgn syarat ko kene wat at least 2 transaction every month. Any amount kalau tak salah ...
Free For Life
Just swipe 2 x any amount (retail purchases or cash advance) per month, including transactions on your supplementary card(s), otherwise a RM5 monthly fee will be charged to your principal card only.
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New Choice Card members may sign-up for this when you apply for the card.
Automatically converts every purchase (minimum RM500) to easy equal monthly installments, for a repayment tenure of 12 months.
Flat interest rate of 0.823% per month (equivalent to 9.88% p.a.) on the original amount
Available for any purchase made at over 30 million VISA/MasterCard merchants in 120 countries.
How The Flexi Payment Plan Works
Monthly Installment Chart
Purchases (RM)
500 750 1000 1500
Installment Per Month (RM) 45.78 68.68 91.57 137.35
Citibank Rewards
You will get 50 Reward points for every RM50 spent per transaction except for petrol station purchases and these points never expire.
It抯 always rewarding to be a Citibank Choice credit cardmember. And that is especially
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Discounts and privileges at over 1,000 local and 24,000 global hotels, restaurants, boutiques, retail outlets, golf resorts and more.
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Pay your bills, transfer funds and make cash deposits via MEPS Interbank GIRO, linking you to 1,777 local bank branches, nationwide. There are two hassle-free modes of payment for your convenience:
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1. Subject to your Citibank credit card account status checking, eligibility and available credit limit.
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3. Other terms and conditions apply.
What You Need
Minimum income of RM 18,000 per annum
Copy of J/EA form
Current (other than Citibank) credit card
Copy of I/C
* Each SMS sent will be charged RM0.30. All other normal SMS rates apply as well. |
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Originally posted by Foxey at 31-10-2006 02:41 PM
med, mintak secara bertulis ke apa ni med? citibank yg offer med ke nih? hmm... kalo fox, nak amik option 1 laa kalo dia tak kira baper amaun per transaction... cos kalo buh minyak dah tentu pa ...
Tak secara bertulis.....via phone je...tp masa call tu mmg perbualan dirakam....kalau ada apa2 hal..saya akan tunjukkan bukti...dia mmg ckp any amount ..at least twice per year.....tp saya ambik option 2 sbb dgn nilai RM195 tu...boleh cover utk 4-5 bulan nyer Bill...:nerd: |
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Originally posted by brilianxx at 31-10-2006 07:02 PM
Free For Life
Just swipe 2 x any amount (retail purchases or cash advance) per month, including transactions on your supplementary card(s), otherwise a RM5 monthly fee will be charged to your ...
TQ for the info...:hatdown: |
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Originally posted by brilianxx at 31-10-2006 07:02 PM
Free For Life
Just swipe 2 x any amount (retail purchases or cash advance) per month, including transactions on your supplementary card(s), otherwise a RM5 monthly fee will be charged to your ...
aaa... mcm ni ek... boleh laa guna info ni bila nak mintak fee waiver nanti... thanks brill.... |
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Originally posted by medangmru at 31-10-2006 07:03 PM
Tak secara bertulis.....via phone je...tp masa call tu mmg perbualan dirakam....kalau ada apa2 hal..saya akan tunjukkan bukti...dia mmg ckp any amount ..at least twice per year.....tp saya ambi ...
oooo.... okie laa kalau camtu... via fon pun bulih so should be no probs la ek... kang dah dekat2 nak kena chg, kita just leh call them laa and ask for waiver of fee ek med? |
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Originally posted by Foxey at 2-11-2006 02:00 PM
oooo.... okie laa kalau camtu... via fon pun bulih so should be no probs la ek... kang dah dekat2 nak kena chg, kita just leh call them laa and ask for waiver of fee ek med?
camtulah kira2nyer Foxey...lagi afdal.....takya dia nak wat reflect kat next statement kita...:nerd::nerd: |
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Originally posted by Foxey at 2-11-2006 02:00 PM
oooo.... okie laa kalau camtu... via fon pun bulih so should be no probs la ek... kang dah dekat2 nak kena chg, kita just leh call them laa and ask for waiver of fee ek med?
tak payah tunggu lama2
hari ni ko cll pun boleh
mintak terus waive |
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Originally posted by medangmru at 2-11-2006 06:01 PM
camtulah kira2nyer Foxey...lagi afdal.....takya dia nak wat reflect kat next statement kita...:nerd::nerd:
okie dokie... noted... tq...:tq: |
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Originally posted by R2D2 at 2-11-2006 07:27 PM
tak payah tunggu lama2
hari ni ko cll pun boleh
mintak terus waive
:bgrin: hari ni cam cepat ngat lak.... |
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Originally posted by Foxey at 3-11-2006 05:21 PM
:bgrin: hari ni cam cepat ngat lak....
Mmg boleh call walaupun tarikh statement tu lambat lagik..tp...nanti derang akan nasihatkan korang wat dekat2 nat kuar statement...esp 1-2 dua bulan sebelum berakhirnya satu tahun penggunaan kad kredit tu...:hatdown: |
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ape kelebihan dapat platinum card?..setakat ni aku pemegang gold card aje....sampai 3 card maybank bagi aku....american express, master n vaisa wave....nak suruh aku utang banyak2 le tu...tapi setakat ni alhamdulillah...kalau aku guna card...esoknya aku terus g settle credit tu.... |
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Originally posted by illa at 4-11-2006 11:55 AM
ape kelebihan dapat platinum card?..setakat ni aku pemegang gold card aje....sampai 3 card maybank bagi aku....american express, master n vaisa wave....nak suruh aku utang banyak2 le tu...tapi seta ...
Kelebihan....Selain ko kene bayar ratus2 annual Fee ......protection utk ko kira lebih le skit....cam Insurance protection...Lagi satu...cuba ko beli barang ( elektrik ka....pi Hotel ka )..ko tgk camner derang layan ko...sb dia tahu yg kemampuan ko nak beli beli brg hatta 1/2 drpd barang dalam kedai dengan kad kredit platinum tu..... kat hotel plak..kalau ko hulur kad Klasik./..dia pandang sipi2 je........kalau ko hulur Gold card...dia pandang ko boleh tahan...kalau ko hulur Platinum...dia siap tunduk + senyum + pandnag ko dr mata ke mata lagi.....tone suara pun berbeza....
Member aku yg jadik cashier kat salah sebuah kedai elektrik pernah pengalaman ngan sorang Platinum cardholder yg beli byk barang elektrik....dalam RM45K .....perghhh.............dasat....Siap Manager dia layan customer tu....siap order air kat restoren sebelah.....:nerd::nerd: |
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Originally posted by medangmru at 3-11-2006 08:23 PM
Mmg boleh call walaupun tarikh statement tu lambat lagik..tp...nanti derang akan nasihatkan korang wat dekat2 nat kuar statement...esp 1-2 dua bulan sebelum berakhirnya satu tahun penggunaan ...
hmm... bulan 2 rasanya kang... maybe dalam bulan 12 kang kot... was wondering, nak ke oversea in December, should i inform them sbb i think i'll be using my card kalo wat purchase kot... |
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Category: Belia & Informasi
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Post time 31-10-2006 10:27 AM
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