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Author: ryo_takahashi1

★ALL ABOUT CREDIT CARD V2★

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Post time 23-8-2010 05:15 PM | Show all posts
Reply 819# yus262


smpt lg ke nak apply ni? offer smpi bila ek?
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Post time 23-8-2010 05:59 PM | Show all posts
Reply 821# 220796


    boleh jer...offer tu sampai 31 dec 2010 nie...masih sempat lagi lor..
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Post time 25-8-2010 01:41 PM | Show all posts
ada sesapa yang pakai kredit card aeon x???... ada dapat offer, tapi x bagi keputusan laie..
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Post time 25-8-2010 08:16 PM | Show all posts
Reply  yus262


smpt lg ke nak apply ni? offer smpi bila ek?
220796 Post at 23-8-2010 05:15 PM


lambat lg tarikh tutupnya.....kalau dah ada CC lain...rs2nya mmg konpem akan approve...
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Post time 28-8-2010 03:30 PM | Show all posts
ada sesiapa ambil Card Protection Premier tak utk mana2 credit card?

mcm insurans gak...tp khas utk card credit. 1 yr..charges nya RM98.

benda ni wajib ke kene amik???

la ni pakai kredit card...mcm2 charge la..mangkuk btol..
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Post time 28-8-2010 11:46 PM | Show all posts
Reply 825# bezita60


sy punye alliance cc ada menatang ni......1st year dia kata free....kira mcm protection la if balance melebihi rm1k kot.....tp sbb dia kata free haku ckp OK....tp pstu this year (dh ckup setaun) dorg call bgtau had yg lama dh expired....1st year je free...2nd year kene byr rm300++ tuk setaun....haku ckp xmau...dia kata x boleh sbb dh dpt 1st year free...haku kata dia x mentioned pon lps habis 1st year had yg free kene byr pulak....haku ada hak tuk menolak.....pstu dia senyap....igt org bodo2 kot ikut je ckp dorg.....:@
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Post time 29-8-2010 12:11 AM | Show all posts
Reply 826# 220796

diorg call...then terus charge kredit card.
boleh ke authorize payment mcm tu je without signature.

i tak puas hati cara benda ni berfungsi..
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Post time 29-8-2010 11:33 AM | Show all posts
Reply 827# bezita60

u bg ke no cc u? klu bg mmg dorg leh deduct cc tu without signature.....so beware next time......still byr lg ke? ada still ada deduction close je cc tu then apply lain.....lps ni jgn senang2 bg no cc kat org lain via phone.....tu yg sy blajar sndiri lps sndiri kene...x pasal2 sy kene potong rm500++ tuk kelab vacation mende tah.......
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Post time 30-8-2010 08:28 AM | Show all posts
Reply  220796

diorg call...then terus charge kredit card.
boleh ke authorize payment mcm tu je  ...
bezita60 Post at 29-8-2010 12:11 AM



    Mmg boleh...
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Post time 30-8-2010 08:34 AM | Show all posts
Reply 828# 220796


sbnrnya kad kredit my hb. kad kredit ku dh lama cancel sejak kene fee rm50 per yr by gov.
aku dh tanya dia...ada ke patut dia disclose sumer termasuk security code pd caller tu (dr HSBC). aduyai...membebel tak sudah aku ni..

patutla kene charge
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Post time 30-8-2010 08:38 AM | Show all posts
bank kat malaysia ni byk yg tak jujur.
patutnya mana boleh dedahkan maklumat pemegang kad kredit sesuka hati kpd third party.

ini tak...kkdg tu..memcm club vacation, club itu ini asyik call..hasil maklumat dr bank yg bg kad kredit.

masa aku kt oversea..buka akaun..dpt kad kredit.., takde jadi benda mcm ni..
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Post time 30-8-2010 11:17 AM | Show all posts
Post Last Edit by 220796 at 30-8-2010 11:20

Reply 831# bezita60

bukan bank yg tak jujur sbb bank mmg mcm AHLONG  BERLESEN gak kan?   masalahnye tu staf bank yg jual info clients....agak2 bape RM dia dpt tuk 1 client ek? ni kerajaan kene pantau la...sbb yg keje bank ni rase salah 1 sebab bank ni mmg takde keadilan....bila time keje org bawahan buat keje mcm lembu....bos sign je or suh org bwh dptkan info, projected figure blablabla....tp at the end time bonus higher level ni dpt bonus 5,6,12 bulan bonus....staf yg byk wat keje td dpt 1bulan bonus je....tu dorg jual info kot.....tp dorg xtau buat cmtu tak halal gak income tu kan....mencuri & tak amanah
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Post time 30-8-2010 11:19 AM | Show all posts
Reply 830# bezita60


kan dah ckp.....msti dia bg no cc 16 digit kat depan tu....3 digit security code tu x bg pon dorg leh swipe gak (sy penah kene )...so hati2 pesan kat dia.....be straight & firm to all unknown callers....
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Post time 30-8-2010 11:52 AM | Show all posts
3 digit tu amat penting masa nak buat online transaction...yg 16 digit tu mmg kedai boleh guna utk transaction....but must complete with expiry date la....kalau x der tak boleh...
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Post time 17-9-2010 07:57 AM | Show all posts
betul tu. jangan bagi no 3 digit kat sesiapa. ni nak habaq. cek penah kena juga awal tahun ni. kad CIMB baru jek upgrade so pi la minum ayaq kat kedai ni. bila nak bayaq, cek hulur la kad cek, cashier tu ambil dan bawa masuk ke belakang kedai. tak sempat la cek nak tahan. nak dekat 5 minit jugak dia kat belakang. bila mai balik, cek tanya la awat sampai belakang, terus dia jawab mesin swipe kat belakang. cek pun ingat tadak apa apa berlaku. tau tau bila check kat online outstanding balance lebih dari cek pakai. ada la dalam seribu yang cek pening. Bila call bank tu, depa sambung bahagian fraud department, memang sah ada online transaction seribu lebih. cek habaq mai la kata cek tak pernah bayaq online. terima kasih la bhg fraud tu, cek tak bayaq apa apa pun. lepas 2 bulan tu, cek pi la singgah minum tapi semua kad cek, cek tutup 3 no. belakang. nampaknya depa swipe depan cek dah.. dah ubah pun tempat swipe. berhati-hati la no bila nak bayaq tu, banyak penyangak depan mata.

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Post time 18-9-2010 03:53 PM | Show all posts
betul tu. jangan bagi no 3 digit kat sesiapa. ni nak habaq. cek penah kena juga awal tahun ni. kad C ...
0misae0 Post at 17-9-2010 07:57


next time klu nk byr pakai cc pegi la kt kaunter cashier tu!! jgn malas!! jgn sesekali biarkan cashier swipe tanpa dpn mata kita sndri.. bahaya!!!
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Post time 19-9-2010 04:32 PM | Show all posts
next time klu nk byr pakai cc pegi la kt kaunter cashier tu!! jgn malas!! jgn sesekali biarkan c ...
sicomel Post at 18-9-2010 15:53



uish, masa tu  cek pi kaunter la. bila order, depa terus tekan kat mesin dan bila siap kira, cek pun hulur la kad cek tu, terus dia meluru masuk ke belakang. tak sempat nak ngata apa. ternganga ja la. lagipun hang pa tau la kalo pakat pi minun kopi kat kedai yang memang jual kopi ni yang harga segelas pun cecah sampai RM10.00 ++, mesti order kat kaunter.
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Post time 20-9-2010 01:09 PM | Show all posts
nak tanya la camna kiraan interest bank ni...aku rasa aku terkene agak melampau..

cth aku - kad ambank

aku ada baki rm1000, aku bayar rm950, baki rm50

bulan depan patutnya interset kene bayar 1.5% x rm50 = rm0.75.

tapi aku kene rm1.5% x rm1000 = rm15 (interest berdasarkan total hutang, bukan baki hutang) - alasan ambank lagi sume bank ikut peraturan bank negara..  mmg kencing sbb maybank tak buat camtu

then aku tak puashati, aku nak buat report.. bole tak ajar aku cara dia..

ada sape2 bole ajar camna nak report... then klu ada cara, aku nak terus inform kat bank negara..

tq
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Post time 20-9-2010 01:29 PM | Show all posts
cuba nengok balik T&C interest tu....kalau x silap aku kiraan dia mmg berdasarkan baki utang bulan lepas dan bukannya kiraan interest berdasarkan baki yg telah dibayar...bulan berikutnya br interest akan dikira berdasarkan utang telah bayar dan outstanding balance yg masih tinggal...
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Post time 20-9-2010 01:32 PM | Show all posts
uish, masa tu  cek pi kaunter la. bila order, depa terus tekan kat mesin dan bila siap kira, c ...
0misae0 Post at 19-9-2010 04:32 PM



    tu yg eloknya jika pihak Bank meluaskan pembayran kad kredit jenis "wave" ni...CIMB misalnya ada dah perkenalkan kad jenis ni...tp merchant masih tak byk,,,jenis ni kita hanya lalukan kad tu dekat mesin Swap tu.,...ala2 macam pengimbas ( scanner ) kat kaunter tu...tak eprlu derang cucuk kad bagai....

tak tahu bila praktis camni akan diperluaskan...
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