Citibank cash advance fee. Let’s continue the debate contained in this brand-new bond.

1. Visa2. Mastercard.3. JCB4. AMEX – Cost or Credit Card5. Diners Club6. An Such Like.

1. yearly charge things

You don’t need to request for waiver CIMB Direct Access Platimum and silver – needs Professional/Graduate.UOB Platinum – have got to has BOTH MasterCard and Visa and swipe lowest 6 times/card.Alliance Platinum – swipe 12 period per year or spend RM3,000/year.RHB Evo – reached swipe monthly or RM8 are charged for that month.OCBC Platinum Robinson – surely got to invest RM8K/year including minimum RM1K at RobinsonMBB Flex -got to swipe double a month otherwise billed RM3.95Citibank Choice – 2 purchases in a monthCIMB Mastercard Paypass – no-cost for lifetime without ailments

2. faucet and run – no signature expected matters

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

Paypass limited to RM120Visa Wave limitation should-be RM150

3. crucial see for CIMB and CIMB DA card holders

4. charge card associated with gas Giants

BHP-UOBShell-CitibankAMEX recharged card offers rewards aim (currently 2X if got Turbo 3X) for working gasoline whatsoever petrol channels. Petronas-MBB Visa Gold with payWave (no-cost for lifetime without any conditions)Petronas-CIMB Mastercard silver (complimentary for life)All petrol companies with CIMB DA Mastercard with discount up to 2% monthly*.

5. standards economic cost (rate of interest)

Sells purchases: 18per cent p.a or 1.5% p.m from statement day upon make payment on lowest amount.Cash advance: 18% p.a from time of withdrawal.Late repayment: 1% of outstanding or RM 5 whichever is higher.Minimum fees levels: 5per cent of exceptional or RM 25/RM 50 whichever are high.

*warming brand new BNM ruling where if you aren’t a full wages master of the credit card for the past one year, beginning from June/July 2008, any purchases might be recharged financing charges (17% p.a.) the moment your swipe. It means irregardless everything you pick whether gasoline or Computer portion, it’ll have financing expenses beginning throughout the transaction date alone.

6. Subsidiary Cards

1) Citibank – only deposit and sustain RM200k2) UOB – starting deposit of RM300k with maintenance of RM200k3) standards Chartered – Deposit & servicing of RM200k4) OCBC – beginning deposit of RM300k with servicing of RM200k5) HSBC – Deposit & maintenance of RM200k

7. Amex – credit card AMEX recharged credit provides incentives point (at present 2X if Delaware payday loans direct lenders had gotten Turbo 3X) for moving gas after all gas channels.

Another perks AMEX have over others is the fact that they presently have actually six months 0per cent installment for almost any deal. AMEX could 0% as they is not any managing or surchage charges when compared with DA and UOB.

8. Foreign TransactionsMastercard and charge charges a surcharge on top of the exchange rate. Banking institutions furthermore choose to recharge one more government charge in addition

Maybank: 0.5per cent –>verified by Hye

Citibank: 1% –> confirmed by tinkerbel

HSBC: 1% –> HSBC might recharge a Misc fee; financial aren't capable give precisely just what that is but according to CS whom we talked with, there's a tiny misc fee. (share by Tinkerbel)

Expectations Chartered: 1per cent

AMEX cards: 1.5percent cost + 0.5% (supplied by Hye) : one more 2.5percent (provided by tinkerbel)

Charge Card Termination Page

[the identity][your own target][Date]

Dear Sir or Madam:

Kindly allow this page serve as realize that Im terminating my personal charge card membership efficient straight away. Be sure to nearby these levels:

Mastercard Team: ____________Account Number: ________________

Please submit me created verification that my accounts was closed. In addition, be sure to make sure you may have informed all proper charge card bureaus that this membership was enclosed at my consult.

Thanks a lot for your fast awareness of this situation.

Cash loan fees 5per cent of money amount (minute RM20), and18percent p.a. day-to-day interest(N/A for Ready Cash) [from Citibank]

Cash Advance cost :The cash loan cost is actually recharged to almost any withdrawal of cash made. This really is imposed per cash loan deal. 5per cent or RM20, whichever are higher. [From UOB bank]

Cash Advance Commission/Fee*VISA/Mastercard (Both Regular and Silver)

Dull price of 5.00percent of overall amount of cash advanceMin: RM10 [From Maybank]

Advance loan charge 5per cent associated with the levels attracted, at the mercy of at the least RM15, whichever try higher. [ From Immediate Access]

Cash loan charge 5per cent for the levels attracted, susceptible to at the least RM15, whichever try high. [From CIMB]

d) cash loan fees > the money advance fee was 5% of this levels advanced or at least RM15. Whichever was higher. This is exactly enforced each cash advance exchange

> For HSBC Amanah credit card, cash advance try capped at RM1,000 per purchase and a fee of RM60 per purchase might be levied

> For payday loans made-over the HSBC financial countertop, you will have another charge on the following:– RM50 on bank cards granted by local banking institutions besides HSBC – RM20 on credit cards granted by non-Malaysian card issuers (such as JCB)- notes released by HSBC financial Malaysia additionally the HSBC Groupare exempted out of this charge[HSBC]

Advance loan Fees/Casino processor Fees the money advance charge is 5percent of the levels sophisticated or at the least RM15, whichever is actually higher. That is imposed for each and every profit advance/casino potato chips transaction. [From OCBC]

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