Citibank advance loan fee. Let's continue the discussion inside latest bond.

1. Visa2. Mastercard.3. JCB4. AMEX – Fee or Credit Score Rating Card5. Diners Club6. Etc

1. Annual charge matters

You don’t need to request waiver CIMB immediate access Platimum and Gold – criteria Professional/Graduate.UOB Platinum – have got to need BOTH MasterCard and Visa and swipe minimal 6 times/card.Alliance Platinum – swipe 12 hours per year or spend RM3,000/year.RHB Evo – reached swipe once a month or RM8 try billed regarding month.OCBC Platinum Robinson – got to invest RM8K/year inclusive of minimum RM1K at RobinsonMBB Flex -got to swipe double per month otherwise recharged RM3.95Citibank preference – 2 deals in a monthCIMB Mastercard Paypass – complimentary for lifetime without ailments

2. faucet and get – no signature required things

Charge trend – MBB, UOBMastercard Paypass – CIMB, CIMB DAVisa payWave – MBB Petronas

Paypass simply for RM120Visa Wave restrict must certanly be RM150

3. essential see for CIMB and CIMB DA card holders

4. bank card linked to gas leaders

BHP-UOBShell-CitibankAMEX recharged credit gets benefits point (presently 2X if got Turbo 3X) for working gas after all gas station. Petronas-MBB charge Gold with payWave (free of charge for lifetime without any conditions)Petronas-CIMB Mastercard Gold (free for life)All petrol companies with CIMB DA Mastercard with discount doing 2percent monthly*.

5. requirement monetary cost (rate of interest)

Retails purchases: 18percent p.a or 1.5% p.m from report date upon make payment on minimum amount.Cash advance: 18% p.a through the big date of withdrawal.Late cost: 1% of outstanding or RM 5 whichever is higher.Minimum cost amount: 5% of exceptional or RM 25/RM 50 whichever are higher.

*warming brand-new BNM ruling where if you are not a full cover grasp of your own mastercard for the past one year, beginning from June/July 2008, any deals could well be billed finance fees (17percent p.a.) when you swipe. This means irregardless everything pick whether it is gas or PC components, it’ll have money charges beginning about purchase day alone.

6. Subsidiary Cards

1) Citibank – only deposit and keep RM200k2) UOB – Opening deposit of RM300k with repair of RM200k3) criterion Chartered – Deposit & upkeep of RM200k4) OCBC – Opening deposit of RM300k with servicing of RM200k5) HSBC – Deposit & upkeep of RM200k

7. Amex – credit card AMEX charged cards provides payoff aim (currently 2X if have Turbo 3X) for working gasoline after all gasoline stations.

Another profit AMEX need over others is they presently has 6 months 0per cent installment for almost any transaction. AMEX is truly 0percent while they is no handling or surchage charge as compared to DA and UOB.

8. International TransactionsMastercard and charge fees a surcharge on top of the rate of exchange. Financial institutions also decide to recharge another management charge furthermore

Maybank: 0.5% –>verified by Hye

Citibank: 1% –> validated by tinkerbel

HSBC: 1per cent –> HSBC will additionally demand a Misc fee; financial tryn't in a position to create precisely just what that’s but based on CS who we spoke with, there's a little misc cost. (share by Tinkerbel)

Traditional Chartered: 1per cent

AMEX credit: 1.5per cent cost + 0.5per cent (offered by Hye) : an added 2.5percent (given by tinkerbel)

Bank Card Termination Letter

[their name][their target][day]

Dear Sir or Madam:

Please allow this letter act as observe that i will be terminating my personal mastercard account successful straight away. Be sure to nearby the following accounts:

Bank Card Team: ____________Account Quantity: ________________

Be sure to submit me personally written confirmation that my personal membership has-been closed. Furthermore, be sure to make sure you’ve got informed all appropriate credit card bureaus that this account got enclosed at my request.

Thanks to suit your timely attention to this matter.

Advance loan charges 5percent of money quantity (min RM20), and18percent p.a. daily interest(N/A for prepared Earnings) [from Citibank]

Cash Advance charge :The cash loan cost try energized to almost any withdrawal of money made. This is implemented for every single advance loan transaction. 5% or RM20, whichever was higher. [From UOB financial]

Advance loan Commission/Fee*VISA/Mastercard (Both Timeless and Gold)

Dull speed of 5.00per cent of this full amount of cash advanceMin: RM10 [From Maybank]

Cash Advance Fee 5per cent on the amount attracted, subject to at the least RM15, whichever was greater. [ From Immediate Access]

Cash Advance charge 5percent of the levels drawn, subject to at the very minimum RM15, whichever are high. [From CIMB]

d) Cash Advance costs > the money advance fee is 5% in the quantity excellent or at the very minimum RM15. Whichever is actually higher. This is exactly implemented for every single cash loan deal

> For HSBC Amanah credit card, cash loan was capped at RM1,000 per deal and a fee of RM60 per exchange shall be levied

> For cash advances made over the HSBC banking counter, there are an extra fee associated with the following:– RM50 on bank cards granted by local financial institutions other than HSBC – RM20 on charge cards granted by non-Malaysian card issuers (including JCB)- Cards released by HSBC Bank Malaysia plus the HSBC Groupare exempted from this charge[HSBC]

Cash loan Fees/Casino processor costs the money advance cost try 5percent on the levels higher level or no less than RM15, whichever is greater. This will be implemented for every single funds advance/casino potato chips transaction. [From OCBC]

This post is modified by vin_ann: Aug 11 2008, 10:16 PM