This is to increase the frequency and provide more valuable financial or product information sharing especially on credit card field to benefit all the creditcard2u blog readers.

We would like to invite a few of you – my loyal blog readers or any banking stuff as a guest author or web content writer to join us in producing great and quality financial news content for the site on a somewhat regular basis.

What are the benefit:
Of course, as a web content writer or guest author of this blog, you will have some benefits to it as mentioned below:

1. You will gain some exposure for your finance products or business with an audience you might not have tapped into yet.
2. You can include a links back to your blog or website in the author resource end of the article to build your SEO juice.
3. You will be associating yourself with a trusted name in the community – honestly, said in all modesty.
4. Guaranteed to increase your site traffic by posting on this high visibility SE sites which with [Alexa Ranking = below 300k] [Google PR2] [Monthly Unique Visitors = around 20000].

Remark Condition:

• Only fresh content are accepted and must be unique.
• Articles related to cards, banking, loans, and personal finance… (no property, investment, insurrance or non finance related topic allow)
• No links is allow in the blog content, there is one backlink only allow in the resource box with any anchor text you like

If any of you are interested as our guest author or web content writer, send us an email to mail@creditcard2u.net and include 1 or 2 of the articles content for review.

This is again due to the volume of people we had come to the site over the last few week, and the server is overload thus, it causing the down time. Everything will be up now and running as we had our sites moved to the dedicated server, I hope you will enjoy reading our sites and we are sorry if it has caused any inconvenience.

The christmas day is nearby, We wish you a Merry christmas and a happy new year, Enjoy a joyous Christmas season and enjoy sufing the sites. cheer !

Cheer,

The Creditcard2u.net Management

Tier 1
From 15 percent per annual interest rate will be reduced to 13.5 percent per annual with who promptly settle their monthly minimum payments for retail purchases for 12 consecutive months.

Tier 2
Cardholder who promptly settle their minimum payments for 10 months or more in a 12 month cycle will also benefits as the relevant interest rate will reduced to 16 percent per annual from the current 17 percent.

Tier 3
In addition, cardholders who do not fall within the two categories and who are generally termed “Tier 3″ credit card holders will see the interest rate for them come down to 17.5 percent per annum versus the current 18 percent.

Meantime, late payment fee also will reduce from current a minimum of RM10 or 1% of the total outstanding balance, subject to a maximum of RM100 will be revised to a minimum amount of RM5 and a maximum of RM75.

These credit card interest rate reduced will motivate credit card holders to diligently make at least the monthly minimum payment of 5 percent of their total outstanding balance promptly since credit card holders will now stand to have significant savings in the form of interest rate differentials of up to 4 percent when moving up the Tier, i.e from 17.5% for “Tier 3″ to 13.5% for “Tier 1″. The reductions in interest rates should give rise to savings for all credit card holders to better enable them to make the minimum payment. It is also envisaged that more “Tier 1″ credit card holders can now afford to plan to settle their amount outstanding in full monthly.

Starting from November till December this year, if you have make submission of any credit cards application form for 100pcs to the office within these 2 months period. you will get a Free big hamper from us before the chinese new year 2009 mid of January.

And For the top 3 Achievers for more than 100 submission will be also given the prizes as below:-
1st – Nokia Hand phone
2nd – Sony Ericsson Hand phone
3rd – Shopping Voucher worth RM 100

This challenge is easier for anyone to achieve as we are counting submission but not approval applications , Hope you will be one of them, happy selling and early wishing to you a happy chinese new year 2009!

This is in line with Bank Negara’s objective to encourage prudent financial management and to inculcate good financial discipline.

Here is how bank track your 12 months credit card interest payment or finance charge:

Tier 1: Save interest 3% a year – Credit card holders who make prompt payment for 12 consecutive months will enjoy retail finance charge of 15% on the 13th month and onward.

Tier 2: Save internet 1% a year – Credit card holders who make prompt payment for either 10 or 11 months within the past 12 consecutive months will enjoy retail finance charge of 17% per year on the 13th months and onward.

Tier 3: suffer 18% interest – Frequently paying minimum or full payment AFTER due date (more than 3 times within 12 months). In other words, if the Credit card holders who do not meet the above criteria will be charged the retail finance charge of 18% per year.

Revision on late payment fee!
In conjunction with the implementation of tiered finance charges and to further instill prompt repayment behavior, the following revisions will be made:

Late Payment fee – Minimum of RM10 or 1% of total outstanding balance as at statement date. whichever is higher.

Revised Interest Free Period for retail transaction!
Interest Free period for retail transactions will be 20 days from statement date ONLY IF all retail transactions (excluding cash advance, balance transfer and installment payment plan program) of the previous months are fully paid by the payment due date.

This means, if you make partial payment, minimum payment or do not make payment on or before the payment due date, finance charge will be imposed from the day the transaction is posted to the card account.

Here are 3 common questions been asked for your additional information.

Frequently Asked Questions:
Q1: If I only hold my credit card for less than 12 months, what would be my finance charge?
A1: The finance charge would be 18% per year to start with and will change accordingly as your payment history builds up to either 17% per year or 15% per year based on your last 12 consecutive months payment history.

Q2: If I make partial payment, is this considered a prompt payment and qualify me for a lower finance charge?
A2: Yes, the payment is considered prompt as long as you make the minimum payment before the payment due date. You will qualify for the lower finance charge if you have made a minimum of 10 prompt payments within your last 12 consecutive months.

Q3: Do I still enjoy 20 days interest free period?
A3: Yes, you will continue to enjoy the 20 days interest free period if the current balance of your previous statement is fully paid by payment due date, save interest for 20days. Otherwise, the finance charge will be calculated on the new retail purchase transactions from the respective posting dates.

Hope this help

So, start managing your credit card bills efficiently without late payment fee and begin to enjoy lower interest rates!

Should you require further clarification or assistance please contact with us at mail@creditcard2u.net !

Pay your credit card bill promptly every month to enjoy A lower finance charge for continuous save interest! you may consider EPP plan to further reduce your interest.:)

JCPenney Malaysia offers a wide variety of merchandise, ranging from apparel to bedding to houseware, all at the click of a mouse. It’s part of JCPenny Malaysia commitment to bring you the highest quality selection, including more styles, colors and sizes. So you can be sure that there’s something for you at http://www.jcpenney.com.my/

This benefit is brought to you by Citibank Credit Cards, so you can enjoy merchandise from the JCPenny Malaysia from the comfort of your home. So get comfortable and start shopping online, in your home or workplace at http://www.jcpenney.com.my/

Terms and condition: 

Payment must be made using Citibank Credit Cards. 

Discount is not applicable to taxes, shipping, freight charges, and Nett priced items.

Discount is only valid from 1st August to 31st August 2008, 2359 hours (MYT time).

Key in the first 6 digits of your Citibank Card number during checkout to enjoy this discount. 

If you have any enquiries, please call our customer service at 603 9205 6133, during office hours.

Exclusive offers for AirAsia-Citibank Gold, Citibank Platinum and Citibank Gold credit card members only!

These fully reclinable leather seats offer you ample leg space to stretch and sprawl for a comfortable journey so that you stay refreshed en route to your holiday destination.

Note: Flights are operated by AirAsia X and Fly from LCC Terminal, KLIA, Kuala Lumpur.

DOUBLE THE FUN SPEACIAL:
Book your XL seats now and enjoy exclusive dreamword and white water world theme part offers with your XL seats to Gold Coast, Australia.

1. AirAsia-Citibank Gold and Citibank Platinum credit card
- Buy Dreamworld tickets and get Free second day to WhiteWater World (within 14 days from first visit).
- Dreamworld admission rate (valid till 30 Nov 2008).

2. For Citibank Gold credit card members:
- Enjoy a 20% discount on admission to Dreamworld, Gold Cost.

Email us at mail@creditcard2u.net for any citibank/local credit cards enquiry or applications!

• Wear proper uniform & identification tag all the time.
• Let forecourt crew finish their service steps first (direct traffic, greeting, payment method, up selling, windscreen wipe/oil check, thank you) with customer first
• Approach only when forecourt crew has finished servicing customers (move out from filling bay)
• Ensure does not cause congestion at forecourt i.e. customer left car at pump while filling up form
• Ensure personal items (water bottles, handbags etc) are stored properly
• Ensure sign up booth area are kept neat & tidy
• Report with station manager every morning before starting recruitment
• Sales agents role is to get customer to apply for the credit card
• Allow 2-3 Citibank sales agents at selected sites
• Set up application stand at shop apron – 1 designated parking space for customer to park during sign up

Uniform:

• Safety vest with Shell Citibank t-shirt, Citibank t-shirt or Wear plain coloured t-shirt (No other co-brand card t-shirt)
• Black pants or shirts (no jeans, no shorts)
• Black shoes (No sandals, slippers etc)

Safety First:

• No smoking at site
• Engine off while refueling
• No mobile phone at forecourt
• Do not fill fuels into unapproved container
• Do not straddle the motorbike while refueling
• Safety vest at all times
• Be aware of traffic
• No open toe shoes
• No slippers and no sandals

Sales Agents Role:

• Approach customer at pump as long as no 2nd car queuing at the pump
• Ensure application process is complete
• Answer customer queries about the card
• Receive applications/referrals from retailer

Things that Don’ts:

• No usage of hand phones at anytime around forecourt areas
• Do not promote other Citibank credit card (Giant, Air Asia, core cards etc)
• Do not approach customers while the forecourt crew is serving the customer (This confuse the crew & customer, which can result in crew missing their service steps and some instances, customers forget to get their cash change & receipts)
• Do not pursue customers if customers do not want to sign up
• Do not approach customers at cashier counter, in general don’t disturb anyone who is in process of paying… wrong change, etc can happen
• Do not approach site staff directly to offer incentives
• Peak hours, do not walk about at forecourt and select/shop counter area, customers are rushing and they do not want to be harassed at this hour

Promotion Skill at shell gas station:

**Earn money – For any individual from Malaysia penang whose aim is making part time money in a sense of easy job, non strength targeted goal and none time consuming way…Join Us!

Benefits:

1. Never Run Short Of Credit (as long as your credit card still has sufficient LOC)
2. Never Have To Search For A Touch n’ Go Reload Station
3. Never Have To Stand In Queue
4. Auto Reload Of RM100 When Balance Reaches RM50 Credit
5. Auto Reload Of RM100 Will Be Debited From Your Credit Card
6. No Registration Fee

How It Works:

1. Call Our Customer Service At 03-2167 7600 To Request For The ZING CARD
2. Simply Activate It By “Touching It” At Any Touch n’ Go Terminal At The Toll Gate
3. RM100 Will Automatically Be Credited To The ZING CARD

Fees Incurred:

• RM2 Per Reload
• RM5 Refund Processing Fee
• RM10 Replacement For Lost Card

This is not the same for Alliance bank Classic & Gold credit cards as these cards are sent via normal post mail. please take note.

• The new Alliance Bank Cash Back Credit Card gives you up to 1.5% cash back on your retail purchases, including petrol, groceries and utilities. No carry forward balance is required and you will also receive Timeless Bonus Points on your purchases.(Terms and conditions apply)

• By transferring your outstanding balances from other credit cards into your Alliance Bank Credit Card, you can reduce your interest charges by up to 72%. You also have the flexibility to decide your repayment period from 6,12,18 or 24 months. Call 03-80737888 for details!

• If you have several outstanding credit card account, you can consider Alliance CashVantage Personal Financing-I to consolidate your debts into a single loan with repayment as low as RM 90 per month. Call 03-80732888 for details.

Alliance bank understand that sometimes you are later for reasons beyond your control, so for those who pay promptly for at least 10 out of 12 months, you will still enjoy a lower credit card interest from Alliance bank of 17% per year. Late payment penalty will increase!

Late payment on the other hand will lead to increased penalty charges. Alliance credit card Late payment charges have been revised to a minimum of RM10 or 1% of total outstanding balance, whichever is higher, up to RM100. Revised interest-free period for retail transactions!

Interest-free period for retail transactions will now be 20 days from statement date ONLY IF all retail transactions (excluding cash advance, balance transfer and instalment payment plan programmes) of the previous month are fully paid by the payment due date.

This means, if you make partial payment for your Alliance bank credit card, minimum payment or do not make payment on or before the payment due date, finance charges will be imposed from the day the transactions is posted to the card account.

So start managing your credit card bills efficiently and begin to enjoy lower interest rates from Alliance bank credit cards!

What does this mean? The Tiered Interest Rate Structure is designed to reward standard chartered credit card customers who are timely with their bill payment. You will enjoy a lower interest rate on your retail transactions if you make prompt payments.

Email us at mail@creditcard2u.net for further inquiry or application.

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