（22／3／2011 更新） 信用卡收緊條例．僅實施於新申請者 , 年入萬8無需退卡

甲骨文

为什么我的卡还没charge？从收到卡到现在，已经有4天了。。。难道银行漏掉charge
Alan5603 发表于 11-11-2010 07:13 AM

不可能没charge吧...除非bank帮你waive掉...
我的新卡还没收到时...都已经charge了...

8879899714

已经拒绝, 都不知道是什么原因.
如果真的要实行两张卡的话, 我不知道自己要拿那一张
第一个就是银行 ...
ipohmali 发表于 11-11-2010 08:39 AM

   
慢点在申请过。

8879899714

应该是要等到 消费税 实行 了 ， 才有望停止。。。
~@Star@~ 发表于 11-11-2010 08:56 AM

   
不知道会不会消费税实行了都不会取消这个GST 。

Alan5603

那你的statement 收到了吗？？
~@Star@~ 发表于 11-11-2010 08:55 AM

   
我的statement 还没收到，我是在网上查看的。。

Alan5603

不可能没charge吧...除非bank帮你waive掉...
我的新卡还没收到时...都已经charge了...
甲骨文 发表于 11-11-2010 10:39 AM

   
我是在10月中申请的，11月头收到。。到今天还没charge。。
有点奇怪的是。。我是用信用卡申请这张新卡，新卡的valid thru 是8/13。。。跟我的那张卡valid thru是一样。。
为什么新卡valid thru 不是10/14呢？？

Alan5603

这个政府的GST，吃你的钱时是很快的咯。你打电话去check看
night_kid 发表于 11-11-2010 10:33 AM

   
打电话去check，等下他们马上帮我charge的话，就惨了
还是装不知道比较好

~@Star@~

不可能没charge吧...除非bank帮你waive掉...
我的新卡还没收到时...都已经charge了...
甲骨文 发表于 11-11-2010 10:39 AM

我的也是一样。。。。

alexlhc

我的也是一样。。。。
~@Star@~ 发表于 12-11-2010 08:58 AM

    嗨。。你们说的是不是ocbc 的titanium?

    我也还没受到statement,上网看也没有，到底多久才会受到statement的？

ipohmali

慢点在申请过。
8879899714 发表于 11-11-2010 05:31 PM

前几天已经在网上填电话还有名字上去, 到现在都还没有接到任何电话

XO2

New Measures on Credit Cards to Promote Prudent Financial Management and Responsible Business Practices

Bank Negara Malaysia wishes to announce new measures on credit cards in continuous efforts to inculcate sound financial and debt management among credit card users. These measures are also aimed to promote fair and responsible business practices by credit card issuers with further enhancements in the cards security infrastructure.
With immediate effect, the eligibility requirements for credit cards are revised as follows:

• The minimum income eligibility for new credit card holders is set at RM24,000 per annum;
• For cardholders earning RM36,000 per annum and less, the following would be applicable:
  • Cardholders can only hold credit cards from a maximum of two issuers.
    • Existing cardholders who currently hold credit cards from more than two issuers are given up to the end of 2011 to select their preferred issuers. Cardholders will also be given at least two years to service their outstanding credit card debt for the credit cards that have been cancelled for the purpose of meeting this requirement.
  • The maximum credit limit extended to a cardholder shall not exceed two times their monthly income per issuer.
    • For existing cardholders, whose credit card outstanding balance exceeds the maximum credit limit, a grace period of two years will be given to them to meet with the new requirement.

Card issuers will engage with the affected cardholders to assist them in restructuring their repayments to facilitate the smooth implementation of this measure. In addition, cardholders can also seek the assistance of Agensi Kaunseling dan Pengurusan Kredit (AKPK) for advice on their debt management.Responsible Business Practices in Provision of Credit Cards
Credit card issuers are required to adopt fair, transparent and responsible approach in marketing and offering of credit cards to consumers. Issuers are not allowed to increase cardholders' credit limit without obtaining their consent. Issuers are also not allowed to offer a credit advance in the form of cheque payable to the cardholders unless the cardholders have requested for the credit advance.
To facilitate consumers in making comparison and informed decisions, card issuers are required to provide a Product Disclosure Sheet that contains key information on the card's features, fees and obligations of the cardholders. Issuers are also required to display prominently alerts to communicate to cardholders the implications of meeting only minimum and partial repayments. At the end of each year, customised information on how long it will take to fully pay off the cardholder's outstanding balance and the total interest costs if the cardholder only makes minimum repayment will be issued to each cardholder. This will be effective for annual statements issued from December 2011. Further Enhancements to Credit Card Infrastructure Security
In the effort to further enhance credit card security and to promote public confidence in the usage of credit cards as a safe payment instrument, effective 1 January 2012, transaction alerts via Short Messaging Service (SMS) will be implemented by card issuers for their cardholders after transactions are performed. This will be followed by the implementation of the Personal Identification Number (PIN) verification for all card transactions from 1 January 2015 onwards.
For further information on the new credit card guidelines, members of the public can contact ABM Connect at 1-300-88-9980, the contact centres of their respective card issuers and Bank Negara Malaysia's Telelink at 1-300-88-5465.



Bank Negara Malaysia
18 March 2011
© Bank Negara Malaysia, 2011. All rights reserved.

XO2

1. 要求年薪从18000提高到24000.
2. 年薪36000或以下,只能拥有兩張卡,credit limit只能是月薪的兩倍.
3. ...

sonystyle

也是对，是时候要控制了，信用卡滥刷很严重下。。。

jys

他们怎么知道我们的月薪是多少？已经用卡好几年了。。难道会要我们fax pay slip过去？

blackcat98

akpk發財了
很多顧客上門了

XO2

回复 4# jys


    我目前也不清楚,等待進一步的消息.

    想信大部分的持卡人都會受到影响.

sonystyle

他们怎么知道我们的月薪是多少？已经用卡好几年了。。难道会要我们fax pay slip过去？
jys 发表于 18-3-2011 01:44 PM

应该是下次要再申请新信用卡，要附上payslip了。。。

福气又安康

只是新的信用卡申请者是吗？

kteng7739

國家銀行今日宣布申請信用卡新指南，21歲以上和月入超過2千令吉者才有資格申請，以及月入3千令吉或以下者，最多只能申請兩家銀行的信用卡，刷卡上限只能是薪水的一倍。


http://twitter.com/SinChewPress/statuses/48606407523700736

破产者还有呆账，到了警惕水平

night_kid

问题是银行怎样知道我的salary？

XO2

年薪36000或以下的朋友,目前也不必急着申請信用卡了,各大銀行

為了留住客戶,應該會推出有更大更多优惠的信用卡來吸引顧客.