7月1日起~信用卡賬目拖欠者不再享有20天 interest free period

-冷血王子-

可以写信去国家银行嘛?

cyyong74

原帖由 -冷血王子- 于 3-5-2008 01:44 AM 发表
可以写信去国家银行嘛?

由你先帶頭，

jocelynkoong

要开始想想把保费自动过账转去另一张卡了。。。因为原本的这一张卡有欠钱，而欠钱的又不是我，所以不可能要害人家环多那么多利息的麻。。。。真麻烦。。。

-冷血王子-

对~只要你之前的帐目没有还清~~

例子= 比如在今天你在jxsco 用citibank card 买东西 rm200 块, 两天后citxbank 收到 jxsco 的 statement 会charges 开始你利息

-冷血王子-

原帖由 jocelynkoong 于 3-5-2008 11:33 AM 发表
要开始想想把保费自动过账转去另一张卡了。。。因为原本的这一张卡有欠钱，而欠钱的又不是我，所以不可能要害人家环多那么多利息的麻。。。。真麻烦。。。

autodebit 的 plan 不肯定一样~~~

网站都是写retail purchase...

jocelynkoong

原帖由 -冷血王子- 于 3-5-2008 11:47 AM 发表



autodebit 的 plan 不肯定一样~~~

网站都是写retail purchase...

o....这样子我就不用转咯。。。。

mjchua

pbb 是六月開始

Dear Valued Cardmember,
In line with Bank Negara Malaysia's introduction of a Tiered InterestRate structure to inculcate prudent financial management amongst creditcardmembers, we are pleased to advise that with effect from June 2008,we are offering lower finance charges on your total outstandingbalances as follows:

1. With prompt minimum repayment for 12 months within 12 consecutive months.
15% per annum of the total outstanding balance from the 13th month.

2. With prompt minimum repayment for 10 months and more within the last 12 consecutive months.
17% per annum of the total outstanding balance from the 13th month.

3. Credit cardmember who do not meet the above criteria.
18% per annum of the total outstanding balance.

Note: The tiered finance charges are only applicable to the outstandingbalances arising from retail transactions. Balances accrued from CashAdvance and other credit plans will be charged finance charge at 18%per annum.

Please note that the tracking of repayment behaviour is based on a12-month repayment cycle, with effect from June 2007 statement onwards.

To continue enjoying the lower finance charge, prompt repayment must bemade on a monthly basis from the 13th month onwards. Should there beany delayed repayment of 1 to 2 months thereafter, finance charge at17% per annum will be levied. For any delayed repayment of more than 2months, the normal finance charge of 18% per annum will apply. Shouldthe credit cardmember wish to enjoy the lower interest rate once again,prompt repayment of the minimum repayment sum must be made for another12 consecutive months from the last delayed repayment.

In order to further instill prompt repayment behaviour, the following revisions to the Cardmember Agreement will be made:

1. Late Payment Fees
Minimum of RM10 or 1% of total oustanding balance as at statement date, whichever is higher, capped to a maximum of RM100.

2Interest Free Period for Retail Transaction
A 20-day interest free period on all retail transactions, providedalloutstanding balances of the previous month, as per themonthlystatement, are fully settled within the due date.

Where the Interest Free Period is not applicable, finance charges asperapplicable tiered rate per month will be levied on allretailtransactions from the date the retail transactions are posted.

Note: Retail Transactions exclude cash Advance, Balance Transfer and any other credit plans.

cyyong74

我就比較有興趣知道，那家銀行還沒有公布說要實行。

mjchua

原帖由 cyyong74 于 3-5-2008 01:06 PM 发表
我就比較有興趣知道，那家銀行還沒有公布說要實行。

pbb 六月開始

siawyent

支持抗议, 联署预埋我.

ee33

还欠卡债还不了的，就申请新的一张，从新享有免息20天

-冷血王子-

很快下~~下个月罢了

-冷血王子-

还是用bt 来盖比较好吧

lkoksoon

想请问下，如果A银行的VISA卡还没有清完，再用相同的一张卡去刷的话，就没有免20天利息，是吗？
那如果我用A银行的Master卡去刷的话，是不是一样没有20天免利息呢？（Master卡还清/没欠债）

-冷血王子-

原帖由 lkoksoon 于 4-5-2008 12:13 AM 发表
想请问下，如果A银行的VISA卡还没有清完，再用相同的一张卡去刷的话，就没有免20天利息，是吗？
那如果我用A银行的Master卡去刷的话，是不是一样没有20天免利息呢？（Master卡还清/没欠债）

理论上应该是对户口吧~~~

同时拥有visa 和 master 的卡号码不一样就代表有两个户口..

理论上欠钱那张应该不会影响到别张~~~

不过也不是很确定

lkoksoon

所谓的户口是？名字还是卡？

又如果说之前用着老虎头的VISA卡，过后又拿了一张老虎+国油VISA卡，之前那张VISA没有还清卡债，现在用老虎+国油VISA卡刷的话，又是怎样哦？

老虎VISA卡和老虎+国油VISA卡是两个不同的号码哦，是不是有20天免利息？还是也是一样没有免20天利息？

有谁可以确定下下？

[ 本帖最后由 lkoksoon 于 4-5-2008 12:48 AM 编辑 ]

-冷血王子-

等你打电话去maybank 问~~谢谢了

lkoksoon

这里有谁是在银行工作或是熟悉银行的人吗？
帮帮忙问下下，因为我不是很会和银行的人打交道。

nemoDOLLY

那请问 有谁知道RHB 的卡 是否也是在7 月才开始呢？
谢谢

cyyong74

原帖由 lkoksoon 于 4-5-2008 12:46 AM 发表
所谓的户口是？名字还是卡？

又如果说之前用着老虎头的VISA卡，过后又拿了一张老虎+国油VISA卡，之前那张VISA没有还清卡债，现在用老虎+国油VISA卡刷的话，又是怎样哦？

老虎VISA卡和老虎+国油VISA卡是两个不同 ...

瓜瓜你在嗎？又有一任務交給你了....