Citibank cash loan fee. Let’s manage the conversation contained in this new bond.

1. Visa2. Mastercard.3. JCB4. AMEX – Charge or Credit Card5. Diners Club6. Etc.

1. Annual cost matters

No need to request for waiver CIMB immediate access Platimum and Gold – necessity Professional/Graduate.UOB Platinum – got to have actually BOTH MasterCard and charge and swipe minimal 6 times/card.Alliance Platinum – swipe 12 occasions a year or spend RM3,000/year.RHB Evo – reached swipe monthly or RM8 was charged for the month.OCBC Platinum Robinson – reached invest RM8K/year including lowest RM1K at RobinsonMBB Flex -got to swipe double 30 days if not recharged RM3.95Citibank alternatives – 2 transactions in a monthCIMB Mastercard Paypass – free of charge for lifetime without ailments

2. Tap and get – no trademark expected issues

Visa Wave – MBB, UOBMastercard Paypass – CIMB, CIMB DAVisa payWave – MBB Petronas

Paypass limited to RM120Visa revolution limit should be RM150

3. essential find for CIMB and CIMB DA cards holders

4. charge card associated with gas leaders

BHP-UOBShell-CitibankAMEX energized card gives payoff point (presently 2X if have Turbo 3X) for putting petrol anyway gas stations. Petronas-MBB Visa Gold with payWave (cost-free for a lifetime without conditions)Petronas-CIMB Mastercard Gold (100 % free for life)All gas brand names with CIMB DA Mastercard with rebate up to 2per cent monthly*.

5. Standard monetary fee (interest)

Sells purchases: 18% p.a or 1.5per cent p.m from statement day upon make payment on lowest amount.Cash advance: 18per cent p.a through the big date of withdrawal.Late installment: 1% of exceptional or RM 5 whichever was higher.Minimum cost quantity: 5% of exceptional or RM 25/RM 50 whichever was higher.

*warming brand new BNM ruling wherein if you are not the full wages grasp of mastercard for the past one year, beginning from June/July 2008, your entire purchases will be charged funds expense (17per cent p.a.) the moment your swipe. It indicates irregardless everything you buy whether it is gasoline or Computer components, it will have funds costs beginning about transaction big date it self.

6. Complementary Cards

1) Citibank – merely deposit and keep RM200k2) UOB – starting deposit of RM300k with upkeep of RM200k3) Standard Chartered – Deposit & repair of RM200k4) OCBC – Opening deposit of RM300k with upkeep of RM200k5) HSBC – Deposit & maintenance of RM200k

7. Amex – credit card AMEX billed credit gets benefits point (at present 2X if got Turbo 3X) for moving petrol after all gas stations.

Another perks AMEX bring over rest is that they at present have actually 6 months 0% installment for almost any transaction. AMEX could 0percent because they isn’t any handling or surchage charge in comparison with DA and UOB.

8. International TransactionsMastercard and Visa fees a surcharge on top of the exchange rate. Banking institutions additionally choose to demand one more administration fee in addition

Maybank: 0.5per cent –>verified by Hye

Citibank: 1per cent –> confirmed by tinkerbel

HSBC: 1% –> HSBC may also demand a Misc cost; bank tryn't in a position to offer information on what that will be but based on CS whom we talked with, there's a tiny misc fee. (sum by Tinkerbel)

Expectations Chartered: 1percent

AMEX card: 1.5per cent fee + 0.5% (supplied by Hye) : an added 2.5per cent (offered by tinkerbel)

Credit Card Cancellation Page

[your own identity][Your address][Date]

Dear Sir or Madam:

Please let this page act as realize that i’m terminating my credit card accounts successful straight away. Please nearby here profile:

Credit Card Company: ____________Account Numbers: ________________

Please send me personally authored verification that my profile was shut. Additionally, please confirm that you have got informed all suitable charge card bureaus this accounts was actually closed inside my consult.

Thanks a lot to suit your punctual focus on this procedure.

Advance loan charge 5percent of money levels (min RM20), and18% p.a. everyday interest(N/A for Ready Profit) [from Citibank]

Cash loan charge :The cash loan fee is actually energized to your detachment of this website cash made. This might be enforced per cash advance deal. 5percent or RM20, whichever was greater. [From UOB lender]

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

Dull rate of 5.00percent associated with complete sum of money advanceMin: RM10 [From Maybank]

Cash loan Fee 5percent for the quantity pulled, subject to at the least RM15, whichever is greater. [ From Direct Access]

Advance loan cost 5per cent regarding the amount pulled, susceptible to no less than RM15, whichever try greater. [From CIMB]

d) Cash Advance costs > The cash advance fee is actually 5per cent for the quantity expert or at the least RM15. Whichever are higher. This really is imposed for each cash loan exchange

> For HSBC Amanah bank card, cash loan is capped at RM1,000 per purchase and a fee of RM60 per exchange are going to be levied

> For payday loans made-over the HSBC financial table, you’ll encounter another charge of the following:– RM50 on charge cards granted by local financial institutions apart from HSBC – RM20 on bank cards issued by non-Malaysian card issuers (like JCB)- Cards granted by HSBC Bank Malaysia additionally the HSBC Groupare exempted using this charge[HSBC]

Cash loan Fees/Casino processor chip charges the bucks advance fee try 5per cent associated with the amount advanced or no less than RM15, whichever are high. This can be implemented per earnings advance/casino chips deal. [From OCBC]

This article might edited by vin_ann: Aug 11 2008, 10:16 PM