NAK TANYA PENDPT- GOLD CARD

mix_chinese

salam.. liz nak tanya ni dan minta pendpt kawan2 di sini...

Liz baru apply Gold Card.. dah approved.
Sblm ni guna Classic card with 30years annual fees waiver.
Sbb I amik housing loan dgn bank tersebut.

Tadi liz call bank dia kata once dah uprade from Classic to Gold , no more waiver, cuma setahun jer.. after that kena byr yearly Rm160.
Liz rasa mcm rugi la pulak. (Tapi bila kira2 Rm13 sebulan jer utk byr annual fees tue)

Cust service dia kata.. kalau liz taknak amik Gold Card tue boleh juga apply for higher Credit Limit & maintain old card.

Tgh fikir sama ada maintain Classic Card dan amik new one Gold card tue atau mcmana?
tapi sapa lak nak guna credit card byk2 nih.. liz ni bukannya suka byk2.

midori88

hmmm...kalu aku....aku maintain classic card & request for higher credit limit...takyah nak byr annual fees...

nuqman

buang karan je amik gold card.. ni utk show off jer... tak banyak mana pun kelebihan dia... baik maintain classic / silver aje...

saya dok nak matikan platinum saya, lepas habis tempoh waive annual fees.... sbb rasa tak berbaloi bayar mahal, tapi takde kelebihan pun...

yankee_doodle

berapa credit limit card liz tu?
like my boss..gold card dia limit 30K
tapi every month kena guna at least 1K
tapi rasanya better classic tu kalau nak guna untuk jangkamasa panjang

just my 2 cents

mamia

m

Originally posted by midori88 at 20-11-2007 10:27 AM
hmmm...kalu aku....aku maintain classic card & request for higher credit limit...takyah nak byr annual fees...

aku setujuuuuuuuu.....

Foxey

bank mana nih? certain bank, dia bagi waiver 1st or 2nd year, pastu boleh apply mintak waiver utk tahun2 berikutnya... but if u think susah nak dapat waiver from that bank, might as well u maintain jer classic card and request for higher credit limit... baru ni CIMB ada buat promosi, free for life for gold card pun... tapi syarat dia kena apply kat branch dia or kena ada account dengan dia...

mix_chinese

Gold Card
You heard right! It's 6.99% p.a. interest rate for life.
Transfer now to save more than RM2,700*!
And now hear this: Apply today and enjoy 3 years fee waiver with balance transfer!

Simply transfer your outstanding balance from other credit or charge cards to a Hong Leong Gold Credit Card and save more than RM2,700* in interest payments. Our unbelievable low lifetime annual interest of 6.99% applies to all first-time balance transfers.

It's a fantastic benefit and the only one of its kind. And it's from Hong Leong Bank.

Terms and conditions apply!

Call 03-2773 1116 from Monday to Friday, 9am - 6pm or visit our nearest branch now.

Features & BenefitsEligibility & Offer
Fees & Charges
Terms & Conditions
Financial Flexibility
Lifetime interest rate of 6.99% p.a. on your balance transfer

Transfer your outstanding balance from your other higher-rate credit or charge card accounts to Hong Leong Gold card and enjoy big savings on interest. You'll continue to enjoy this low rate until you've paid off the entire balance transferred

Transferred amounts RM10,000 RM5,000 RM2,000
Interest incurred based on 18% p.a. 4,014 1,894 622
Interest incurred based on 6.99% p.a. 1,249 592 198
Savings in interest 2,765* 1,302 424

*SOURCE: Based on current standard Annual Percentage Rate of 18% p.a. compared to a balance transfer rate of 6.99% p.a. Estimated savings in interest assuming minimum monthly repayments of 5% of outstanding balance or RM50 (whichever is higher) are made until the entire transfered amount is paid off. Information is for illustrative purposes only.

Higher credit limit

Enjoy a spending power that match your financial needs and give your greater flexibility

Cash-on-Call

Call for your emergency cash up to 90% of your Gold card's available credit, and pay in affordable equal monthly installments at a low interest rate of only 9.88% p.a.

24-hour cash accessibility

Easy access to cash at over 500,000 Express Cash Network and Visa PLUS ATMs worldwide

Extended Payment Plan (EPP)

Purchase your dream items while stretching your payment tenure with our 0% interest installment plan for 6-month and 12-month

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Exclusive Benefits
Hong Leong Club Rewards

Collect Rewards Points from not just your Gold card spending, but from your other banking products* with us. The more points you collect, the more gifts you can redeem!

*exclusively for Priority Banking customers only


Complimentary Travel Insurance and travel inconvenience

Charge your air tickets to you Gold card and you're automatically insured for up to RM500,000 via travel accident insurance. Plus you're also covered for any air travel inconvenience like luggage delays, lost luggage and delayed/missed flight connection. You and your immediate family who are traveling with you will be compensated for up to RM3,000.

Air Travel Accident Up to RM500,000
Air Travel Inconvenience   
Accompanied Flight Luggage Delay by more than 6 hours RM600
Accompanied Flight Luggage Loss by more than 48 hours RM1,500
Missed Flight Connection by more than 4 hours RM600
Delayed / Cancelled Flight for 6 hours or more RM600

The above benefits also cover your spouse and children below 23 years old.

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Personalized Assistance
24-hour Customer Service

Access to your Hong Leong Gold card account 24 hours a day, 7 days a week.

Just call 03-7626 8899 and you have full control of your transactions in total privacy.

Dedicated Travel Services

Enjoy personalized service from reservation, ticketing to customizing holiday packages with Hong Leong Travel Services at 03-2167 9996. Receive free air ticket delivery nationwide and complimentary KLIA Ekspres return ticket when you purchase any air ticket/packages worth RM3,000 and above.

mix_chinese

Originally posted by yankee_doodle at 20-11-2007 10:31 AM
berapa credit limit card liz tu?
like my boss..gold card dia limit 30K
tapi every month kena guna at least 1K
tapi rasanya better classic tu kalau nak guna untuk jangkamasa panjang

just my  ...

tak tau lagi.. tak check. Friday nie baru pi Hlbb nak tanya.

mrcloud9

pakai classic je cukup, just increase the limit. gold or platinum ni u take if u really need the service or you memang nak status symbol boleh la. but nowadays, gold dah bersepah. platinum pun dah banjir. haha

askRULE

agreed...maintain ngan classic card & upgrade credit limit

AnisSuraya

Anis guna gold card juga tapi free for life...kalau kena bayor2 yuran/fee tahunan...tak yah lerr..buang duit jer.

philipinoe2

org kurang bijak je gune CC yg kene baya annual fee tuh... sbb bank2 da bley kaver admin. cost derang drp interest 18% pa tuh...

jd, carik CC anual fee free for life...kalu da ade jenes cmtu, menten jek...CL tu ikut keperluan...kalu CL skangne pon ok mengikut spending ko, watpe nk increse CL kan...

mix_chinese

dah decide.. taknak tukar Gold Card.

I nak maintain classic with 30years free annual fees.

Kalau teringin nak pakai jugak I apply new one without terminating Classic. hehe..