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Author: tora

►ALL ABOUT CREDIT CARD!◄

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Post time 17-11-2007 10:55 PM | Show all posts
Petikan dari Laman web Affin Bank

AFFINBANK Preferred Credit Card Programme

AFFINBANK is proud to introduce the latest AFFINBANK Preferred Credit Card Programme, THE LOWEST CREDIT CARD RATE IN THE MARKET with a 9.99% p.a. finance charge and 0% Interest Balance Transfer for 12 months*. The 0% Interest Balance Transfer is effective immediately whilst the 9.99% p.a finance charge will take effect from 31st August 2007.

Annual fees will be waived for life. AFFINBANK credit card now allows you greater savings and benefits that are not available in other credit cards.

For more details, please contact our Call Centre at 03-5522 3000.
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Post time 19-11-2007 09:33 AM | Show all posts
ingat nak terminate dah maybank..tapi still ada outstanding dalam 4k, kes beli mesin basuh baru dan vacuum serta alat letrik tambahan bagai.. ingat nak cari CC yang takde yuran tahunan.. maybank ni aku kena bayor...dah la ada supplement.. lepas tu bila nak bayar. mesin cash deposit tuuu sokmo out of service... nak online banking..tak tau nape bank islam takde utk faciliti bayar ke maybank..

so ingat nak habiskan bayar semua bulan dua ni (*thn 2008)..sebab inshaAllah dapat sediki rezeki yang lebih...

so adakah bagus aku apply dulu kad baru (beserta supplement) dan kendian aku transfer balnce..

atau aku tunggu je bulan dua baru aku langsaikan...?

CIMB yang untuk graduate credit card tu ok ke tak eik... ?

citibank gold aku  tupun ingat nak terminate bila tempoh promotion habis.... habis promotion kena bayo yuran guaman..erk mahal oo..

any suggestion? thx eeeikk

[ Last edited by  wardatulhamra at 19-11-2007 09:34 AM ]
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Post time 19-11-2007 09:53 AM | Show all posts
CIMB bank sekarang tengah offer credit card free for life... tapi kalau nak apply, baik warda p kat branch dia or kalau apply kat luar, at least ada bank account dia, then you are entitle for annual fee waiver for life...

hari tu fox tertipu dengan promoter dia, isi borang kat road show dia kat carrefour, dia kata bole dapat free for life... sudahnya bila dah proses, dia kata free for life bila mohon through branch jer... yang fox dapat tu waiver fee 3 tahun... camana fox tak marah... sudahnya bukak akaun bank la dengan CIMB untuk dapat free for life tu... fox nak teruskan gak sebab nak potong maybank nyer card la nih... lagipun credit limit CIMB bagi jauh lebih besar dr yg maybank nyer...
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Post time 19-11-2007 09:54 AM | Show all posts
Originally posted by wardatulhamra at 19-11-2007 09:33 AM
ingat nak terminate dah maybank..tapi still ada outstanding dalam 4k, kes beli mesin basuh baru dan vacuum serta alat letrik tambahan bagai.. ingat nak cari CC yang takde yuran tahunan.. maybank  ...


cimb direct access graduates card tu not bad. can even apply for clean overdraft facility. i suggest you apply for the new card and do balance transfer. you save from the interest. also, dont terminate your citibank gold card. citibank is getting very strict with their cards lately, so chances you may not be able to get back your card later if you reapply!
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Post time 19-11-2007 09:58 AM | Show all posts
err... nak tanya warda sket... citibank ada yuran guaman untuk kad? so far fox pakai citibank, takde plak kena yuran guaman?
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Post time 19-11-2007 10:46 AM | Show all posts
Originally posted by Foxey at 19-11-2007 09:58 AM
err... nak tanya warda sket... citibank ada yuran guaman untuk kad? so far fox pakai citibank, takde plak kena yuran guaman?

ater, tersilap la...

ekceli yuran tahunan...

walala, cemaner leh terbuh yuran guaman...

ekceli suka pakai CITIBANK... selalu leh cek balance dalam tenet jek..
pehtu bayar pun main transfer..

cuma 2008, dec... habis dah waive dia tu... mcm tak larat aa nak bayor yuran yuran tu..

tu yang nak cari yang free for life je...
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Post time 19-11-2007 10:49 AM | Show all posts
Originally posted by mrcloud9 at 19-11-2007 09:54 AM


cimb direct access graduates card tu not bad. can even apply for clean overdraft facility. i suggest you apply for the new card and do balance transfer. you save from the interest. also, dont ...


so maksudnya warda apply dulu CIMB then baru uruskan utk transfer ye.. ke better transfer ke CITIBANK je.. tapi MBB tu warda buat supplement utk asben (senang nak monitor perbelanjaan asben )  ... utk CITI tak buat supplement plak..sbb pikior yuran tu le...

kena ada akaun eik..warda ada la akaun, tapi masa depa tak tukar CIMB lagi..dan dah dekat berapa thn , 3 thn kot tak guna bank meka tu... sebab gaji transfer ke bank islam..

sebab nak apply ni kawan yang offer, dia kata asben dia keje kat cimb..dan asben dia kena carik orang utk apply card..

woo manyak kecian juga... dapat tolong orang..dapat gak tolong diri dari interest

[ Last edited by  wardatulhamra at 19-11-2007 10:52 AM ]
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Post time 19-11-2007 11:14 AM | Show all posts
Originally posted by wardatulhamra at 19-11-2007 10:49 AM


so maksudnya warda apply dulu CIMB then baru uruskan utk transfer ye.. ke better transfer ke CITIBANK je.. tapi MBB tu warda buat supplement utk asben (senang nak monitor perbelanjaan asben : ...


bleh la tu, walaupun yr account masa cimb was bcb should be ok. ada lagi kan account tu? kalau direct acccess tak perlu ada account pun boleh dapat free for life. tapi kena attach your degree. kalau CIMB credit cards, free for life status only for account holders. you choose la which one you want
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Post time 19-11-2007 01:21 PM | Show all posts
Originally posted by wardatulhamra at 19-11-2007 10:46 AM

ater, tersilap la...

ekceli yuran tahunan...

walala, cemaner leh terbuh yuran guaman...

ekceli suka pakai CITIBANK... selalu leh cek balance dalam tenet jek..
pehtu bayar ...


bole call dan mintak waiver of annual fee tu warda... biasanya dia bagi...
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Post time 20-11-2007 08:54 AM | Show all posts
baru teringat yang warda ada buat installement msin basuh... akan habis lagi 5 bulan... so bleh ke transfer? aisehhh
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Post time 22-11-2007 12:38 AM | Show all posts

Reply #710 wardatulhamra's post

Rasanya kena buat full settlement dulu and biasanya bank akan kenakan exit penalti. Selesai sumer proses baru boleh transfer
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Post time 25-11-2007 10:27 AM | Show all posts
Originally posted by wardatulhamra at 20-11-2007 08:54 AM
baru teringat yang warda ada buat installement msin basuh... akan habis lagi 5 bulan... so bleh ke transfer? aisehhh


alaaa....5 bulan lagi je warda...settle in full...pastu selesai...kalau nak wat balance transfer rasanya mcm tak seswai...

MELAINKAN......

kalau akaun installment tu mmg guna akaun kad kredit ( sbb ada bank bank akan create akaun lain bila buat transaksi yang melibatkan installment ataupun balance trasnfer ataupun CC personal loan  )....dan akaun kad kredit tu ada outstanding balance yang lain ie:kegunaan lain ( katakan Installment =RM 600 Outstanding balance lain=RM3000 total RM 3600 )...then..should be ok...u boleh transfer ke bank yg lain...worth it....tp kalau balance hanya sekadar baki installment yang belum dibayar...tak digalakkan..
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Post time 26-11-2007 10:36 AM | Show all posts
beb,
aku nak aply credit card.
dah bape kali tak lulus,
pasal aku keje tak pagai slip gaji.
boleh ke tak ar rasanya kalau aku buktikan yng aku
yng pastinya aku ada wat loan keta,clear je..
rasanya kalau aku nak try aply balik,
leh ke ar aku bg tau dorng yg aku ni ada wat loan keta,
sumer nya smooth je pembayaran,takde kantoi , and
adakah leh mebantu aku utk memudahkan aproval
utk wat cc ?
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Post time 27-11-2007 10:08 PM | Show all posts
sherrina apply affin bank. Tgh tunggu result, lama gak dorg proses. 2 kali telefon tanya pelbagai maklumat. Kalau dpt nnt nak balance transfer kad RHB sbb senang bayar di Affin ada cash deposit machine. Parking pun tepi jalan je (Wangsa Maju). Kalau RHB kene masuk mall. Slalu apply kad cepat je lulus, yg Affin ni lama bebeno. Apply sblm raya. Strict sangat kot.
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Post time 28-11-2007 09:59 PM | Show all posts

Reply #714 sherrina's post

Tu dia .. lama bebenor ... saya pun ader apply juga awal bulan nih ... nampaknya berjanggut ler tunggu
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Post time 29-11-2007 08:52 AM | Show all posts
erm, bukan ke skrg bank sume agresif nak tambahkan pelanggan/pengguna kredit card..

nape bleh lambat plak ye..

kat tempat koje den ni... memula citibank..lepas tu maybank, lepas tu CIMB... lepas tu bank islam... perghhh..bertali arus... last sekali ariktu apa ye..standard charted ke apa ntah..
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Post time 16-12-2007 11:28 AM | Show all posts
bkn ke haram pakai kedit kad ni?
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Post time 16-12-2007 02:28 PM | Show all posts

Reply #717 mrbelalang's post

adesss.................... ........
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Post time 17-12-2007 10:09 AM | Show all posts
Originally posted by mrbelalang at 16-12-2007 11:28 AM
bkn ke haram pakai kedit kad ni?

mudahnya menjatuhkan haram tanpa justifikasinya yang sebenar...

pernahkan diteliti hujung pangkalnya...
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Post time 17-12-2007 10:41 AM | Show all posts
Originally posted by mrbelalang at 16-12-2007 11:28 AM
bkn ke haram pakai kedit kad ni?


tumpang tanya, ne fatwa dari sapa?
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