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Money matters
Great offers form OfferStation.com
Mar 10th
Who does not like offers and great deals? Here is one great site for you to visit. Covering discounts and good deal announcement from various commercial sectors in Malaysia, Offerstation is one of the most-visit website by people who want more value from their money.
Offer update via RSS feed – offerstation also offers us free feed update via RSS. What are you still waiting for? Go to you RSS reader (Google Reader or anything else) and include it as one of your favorite RSS feed.
Card privilege comparison – free card comparison service for those who are privilege-conscious. Therefore you can select the best card that fits you.
Click http://www.offerstation.com.my now to visit the site.
Fauzan’s Note
Searching for free coupon codes sometimes can yield unexpected result. Yes, recently i got additional RM 80 rebate when I buy a new DELL laptop for my cousin. That is a great deal, something worth to be talked about since I can make good use of RM 80 that I have saved.
So people, want more value? Offerstation (and Google searches) will surely help you. Just have faith in them.
Kudos to CIMB and AirAsia.
Oct 22nd
Quite some time ago, I booked few tickets for AirAsia flight. And a glitch happened where they debited my money (I paid using direct debit) from my account, but my booking wasn’t there. I was a bit frustrated because I thought I will never get my money back or validate the booking (if yes, it might be a tedious process). Few business days later, I knew I was wrong. I got back my travel itinerary.
How I managed to do it? Choose the right and appropriate path. I called both CIMBClicks and AirAsia hotline and address them my problem. Remember, make you you jot down the transaction amount, date and time, and you reference number.
Why I need to congratulate them? Because the operators talked to me in a nice and polite way. They took appropriate actions and they made several attempts to call me back (after the attempts they no longer contacted me because everytime they call, I was in class). Anyway, they sent me the travel itinerary to my e-mail account quite a number of times (I think that is because they want me to ‘note’ the itinerary). Good job CIMB! AirAsia!
I used to complain once to TM about my Streamyx service, and they asked me many ridiculous questions even though I told them repeatedly that my modem broke down and needs replacement. The main problem that lies with TM is they keep on putting the blame on customers. In conclusion, TM has a lot of things to do in order to improve.
Here’s my story.
Flying to Alor Setar from LCCT costs us about RM 42.50 (including up to 15kg of checked bags).
Then, Afiq Izzat and me booked our flight. Suddenly, one and a half hours before the promo period ends, Nadiah also decided to fly with us, even though she has to wait until Monday (if she can, she want to go home ASAP such that she wish her house to be placed next to INTEC).
I only have RM 50.68 in my CIMB account.
Upon paying (added the Skybus service, total RM49.00), CIMB doesn’t allow me to more than RM 40.68 from my account.
CIMBClicks customers are suddenly hard to reach from Cendana.
Luckily, Ajwad allows me to use his Maxis Broadband (shared but secured wireless connection) and I started figuring out what am I supposed to do. The booking will expire soon (on 4 a.m).
I have a Calculus Quiz on the next day. The time is 2 am already, but I still don’t know where should I reach. I saw and advertisement in my room:
“TOPUP, service available 24/7?. More or less it means the same lorh…
24/7? Then it is appropriate to call him now. I called him. Wished that he have the internet banking account. Unfortunately, he only has Bank Islam account, which is currently not supported natively (for direct debit) with AirAsia.
Frustrated, I turned on my Yahoo Messenger. Wished that somebody is there and willing to help me. I need only RM50.
Meizan was there, and luckily Meizan has about Rm63 in his account. He transferred RM50 to me. Pheww….
I paid it using direct debit. Somehow, AirAsia says they didn’t receive my payment yet. So, the booking WILL EXPIRE SOON. ON 5 AM!.
I want to sleep. Next morning, yes, the booking is no longer available.
Immediately, I made a complaint to Airasia using their online feedback system. And also a complaint to CIMB Clicks. I gave them what they need such as the reference number etc.
This evening, I just was curious to know whether they had replied me or not. I don’t care anymore that I lost Nadiah’s booking, but I want my money back. Nadiah also doesn’t care much as she will go back sooner (remember: a house next to INTEC like she wished).
I saw two emails in my inbox. Same email, with…
A NEW TRAVEL ITINERARY!
Wow…Nadiah, you are in now.
I can’t wait to ask RM 50 (49.00 plus my very own service fee, 1.00 = RM 50.00) from Nadiah.
Alhamdulillah…
Thanks a lot for the good people at AirAsia and CIMB, Meizan Asyraf, my big bro, Adam,
also
Niro and his 1407 peers
Ajwad and his 1408 peers
My 1406 friends, and
A NICE-TALKING AND SUPER POLITE CIMB CUSTOMER CARE.
Maybank imteen-i & imteen Account
Oct 16th
fauzan.my: I opened the imteen account in 2007 after fascinated by its cash reward, which is a whopping RM 300 or those who can score 8A1 and above in SPM. The drawback is I have to maintain at least RM 1000.00 in my account. With the help of my other savings, I managed to keep RM 1000 in my account. When the result is out, I went to Maybank branch and get my result slip photocopied. About one month or so, I got RM 300.00 credited into my account. What a wonderful account, is it? Here are the essential information that I would like to share with my readers.
Features
- Minimum balance of RM 1.00 in account
- VISA Debit Card (only RM 12 initial fee)
- Low initial deposit, RM 50.00
- CA$H AWARD$!!!
imteen-i Account
A Shariah-compliant online savings account for teens aged 12 to 18 years, offering high dividends up to 3.00% p.a.
Dividend rate:
0.46 – 3.00% p.a.Minimum deposit:
RM50
Benefits
- Based on the principle of Mudharabah (profit sharing)
- Multi-tiered dividend rate: earn a one-month General Investment Account-i (GIA-i) rate from your savings account, subject to ONE withdrawal per month for six consecutive months i.e. from 1 January to 30 June and from 1 July to 31 December
- Passbookless: check and maintain your account via Maybank2u.com or any Maybank ATM
- Convenient ATM access at over 5,800 MEPS ATMs nationwide and PLUS networks worldwide
- Online access to your account via Maybank2u.com with prepaid reloads, free downloads and much more
- Free Personal Accident (PA) Takaful coverage of up to RM30,000 when you maintain a minimum account balance of RM1,000
- Cash rewards when you excel in your PMR, SPM, STPM/A-Levels and degree-level exams, with a minimum account balance of RM1,000
- Spending limit of RM500 per day on selected withdrawals via over-the-counter, Maybank2u.com, ATM, EFTPOS, MEPS and Regional Switch
Who can apply
- Teens aged 12 to 18 years old
Dividend rates
Balance Band (RM)
Rate
Up to RM50,000
2.10
Above RM50,000
0.70
* With effect from 16 September 2009 to 15 October 2009. Subject to less than two withdrawals per month, otherwise lower rates will apply. For further enquiries, please contact the nearest branch.
Notification on Profit Sharing Ratio (PSR)
Balance Band
Profit Sharing Ratio (PSR)
Depositor
Bank
Up to RM50,000
43.0
57.0
Above RM50,000
14.4
85.6
* With effect from 16 September 2009.
Required documents
- Original Identity Card (IC) or birth certificate of teenage applicant
- Parents’ / Guardian’s IC and other supporting documents to verify parentage or guardianship
Note
An Indemnity Letter is a compulsory document to be signed by the parents or guardian as a condition to open a new imteen account as well as to access Internet banking facilities via Maybank2u.com and Maybankard Bankcard (ATM card). Just visit your nearest Maybank branch and bring along your original documents and parents or guardian for verification purposes.
Fees & charges
- Stamping fees for Indemnity Letter: RM10
- Replacement of ATM/bankcard: RM12
- Early closure of account within 3 months of account opening: RM20
- Cash withdrawals at ATM facilities owned by other banks (MEPS charges): RM1
Academic Cash Award
The Cash Award for Academic Excellence is given for excellent grades in PMR, SPM, STPM/A-Levels and Degree level. The cash awards are as follows:
Examination
Cash award
PMR (7As)
RM100 per accountholder
SPM (8A1s)
RM300 per accountholder
STPM/A-Levels
(5As/4As/MUET Grade 6)RM500 per accountholder
University Degree
(1st Class Honours)RM1,000 per accountholder
How to qualify
To qualify, you need to meet the following criteria:
Existing account holders
Maintain RM1,000 in the account during the examination year for PMR, SPM, STPM/A-Levels until the date of submission for Cash Award
New account holders
Open and maintain RM1,000 in the account during the examination year for PMR, SPM, STPM/A-Levels until the date of submission for Cash Award
1st Class Honours Degree
At the age of 18, the accountholder must maintain RM1,000 in the account
Account must be opened before reaching age 18
Account must be maintained until the date of submission of Cash AwardClaims
The submission for Cash Award claims is to be done at the accountholder’s home branch within one (1) month from the official results announcement. The Cash Award can only be claimed once irrespective of the number of savings accounts held by the imteen-i accountholder.
Source: Maybank website
imteen Account
An online savings account for teens aged 12 to 18 years, offering high interest rates up to 2.00% p.a.
Effective rate:
0.70 – 2.01% p.a.
Benefits
- Multi-tiered interest rate: earn a one-month Fixed Deposit (FD) rate from your savings account, subject to ONE withdrawal per month for six consecutive months i.e. from 1 January to 30 June and from 1 July to 31 December
- Passbookless: check and maintain your account via Maybank2u.com or any Maybank ATM
- Convenient ATM access at over 5,800 MEPS ATMs nationwide and PLUS networks worldwide
- Online access to your account via Maybank2u.com with prepaid reloads, free downloads and much more
- Free Personal Accident (PA) coverage of up to RM30,000 when you maintain a minimum account balance of RM1,000
- Cash rewards when you excel in your PMR, SPM, STPM/A-Levels and degree-level exams, with a minimum account balance of RM1,000
- Spending limit of RM500 per day on selected withdrawals via over-the-counter, Maybank2u.com, ATM, EFTPOS, MEPS and Regional Switch
Who can apply
- Teens aged 12 to 18 years old
Interest rates
Credit balance
Nominal rate
(% p.a.)Effective rate
(% p.a.)Up to RM50,000
2.00
2.01
Above RM50,000
0.70
0.70
* With effect from 14 May 2009. Subject to change without prior notice.
Required documents
- Original Identity Card (IC) or birth certificate of teenage applicant
- Parents’ / Guardian’s IC and other supporting documents to verify parentage or guardianship
Note
An Indemnity Letter is a compulsory document to be signed by the parents or guardian as a condition to open a new imteen account as well as to access Internet banking facilities via Maybank2u.com and Maybankard Bankcard (ATM card). Just visit your nearest Maybank branch and bring along your original documents and parents or guardian for verification purposes.
Fees & charges
- Stamping fees for Indemnity Letter: RM10
- Replacement of ATM/bankcard: RM12
- Early closure of account within 3 months of account opening: RM20
- Cash withdrawals at ATM facilities owned by other banks (MEPS charges): RM1
Academic Cash Award
The Cash Award for Academic Excellence is given for excellent grades in PMR, SPM, STPM/A-Levels and Degree level. The cash awards are as follows:
Examination
Cash award
PMR (7As)
RM100 per accountholder
SPM (8A1s)
RM300 per accountholder
STPM/A-Levels
(5As / 4As / MUET Grade 6)RM500 per accountholder
University Degree
(1st Class Honours)RM1,000 per accountholder
How to qualify
To qualify, you need to meet the following criteria:
Existing account holders
Maintain RM1,000 in the account during the examination year for PMR, SPM, STPM / A-Levels until the date of submission for Cash Award
New account holders
Open and maintain RM1,000 in the account during the examination year for PMR, SPM, STPM/A-Levels until the date of submission for Cash Award
1st Class Honours Degree
At the age of 18, the accountholder must maintain RM1,000 in the account
Account must be opened before reaching age 18
Account must be maintained until the date of submission of Cash AwardClaims
The submission for Cash Award claims is to be done at the accountholder’s home branch within one (1) month from the official results announcement. The Cash Award can only be claimed once irrespective of the number of savings accounts held by the imteen accountholder.
Source: Maybank website
Touch N Go
Oct 9th
Touch ‘N Go is prepaid contactless card service offered by Touch ‘N Go Sdn. Bhd. It is based on PHILIPS’s MiFARE contactless card technology. Under normal usage, Touch ‘N Go cards are designated to last for 10 years (about 64000 transactions).
Usage
When it was first introduced, Touch N’ Go Card usage is limited to expressways users only. During this time, only those who are privileged and travel often can be seen with this card.
Transit
- RapidKL (T529)
- Ampang Line
- Kelana Jaya Line
- KL Monorail
- KTM Komuter
Highways
- ELITE
- PLUS
- GCE
Food
- A&W – KLCC
Reload
Selected petrol stations (Reload fee RM 0.50)
Selected Maybank ATMs (Reload fee: RM 0.50, minimum reload RM 50.00)
Selected CIMB ATMs (Reload fee: RM 0.50, minimum reload RM 50.00)
Touch ‘N Go Hub (KL Sentral, first floor)
Reload lanes at toll plazas (be alert of its operating time, usually not open during nightttime)
Touch ‘N Go Hub, KL Sentral
Touch ‘N Go Hub is a Touch ‘N Go outlet located at KL Sental (first floor). Among the services offered in this outlets are:
- Purchase – SmartTAG, Touch ‘N Go
- Reload – Touch ‘N Go
- Customer service
- Loss of card report (just fill in the form given and you will get your credit refund mailed to you)
- General enquiries about Touch ‘N Go
Author’s Note
Source: Touch ‘N Go website, experience.
