For those looking to reduce their monthly expenditure by a significant amount, there are a range of ways to save money, if you are willing to make a few simple changes to your lifestyle:

1. The most effective way to monitor where your money is going is to keep an expenses diary. Every time you spend money on something, write it down in a notebook. You could be surprised to learn just how much money you are spending on coffees with friends or supermarket sandwiches. Noticing these expenses you can make small adjustments to your lifestyle, by remembering to prepare your own lunches and inviting people round for tea at yours instead of going to cafés. Small changes add up to big differences.

2 Ditch the gym membership and get active outdoors instead. Research shows that running outside burns more calories and improves the condition of our lungs when compared with treadmill-based workouts. You could save yourself a good deal of time and money by taking your exercise regime to the streets and running in your local area instead of driving yourself to the gym each time you want to get in shape.

3. Shop around for all your monthly expenditures. Monthly premiums for all your insurance requirements and basic utilities can knock a serious dent in our monthly incomings. Ensuring that you are getting the best deal on your home, travel and car insurance can make a big difference to your financial situation. Check out insurance deals offered by banks like Santander as well as the major names of the insurance trade. The same goes for gas and electricity bills and phone and internet providers. Shop around, using the internet, and the many online price comparison websites available, to help you along your way. Research takes time but it is time that could help to keep you in the black.

Normally when we will see the Save more, counter price hikes, great savings, how much you can save and etc advertisement from local bank credit card. Some of the bank offer up to 48 months installment. Sometimes we also always received call from credit card officer and ask us to switch to their bank and offer us some special rate.

Before we make any balance transfer, we need to do some comparison especially the balance transfer rate. Here i have did some market research for the best transfer balance packages and rate.

1. For EON bank credit card.
•   Save More With Only One-time Interest Charge!
•   Lessen Your Monthly Minimum Repayments!
•   Up To 48 months Tenure!

2. For Standard Chartered Bank Credit card
• Interest Savings as low as 4.99% p.a.
• Fixed Monthly Installments
• Additional cash flow for other needs
• Greater convenience and control when you consolidate your balances
• Great features and benefits from your Standard Chartered Credit Card

3. Maybank credit card
• Low repayments period up to 36 months
• Extra cash for your other needs
• Consolidate your other credit card account in one statement
• Convenience of making payment via Maybank2u or through any of our branches nationwide

4. Public Bank Balance Transfer
• Minimum transfer amount from as low as RM500
• Installment plan up to 36 months
• Fixed monthly amount repayment
• No maximum transfer amount

Take your time to compare each bank balance transfer packages and rate and choice the best balance transfer for your credit card and save your money. Please feel drop some comment for above information provided.

What is EON Bank Swipe for 100% cash back?  This is a usage where EON bank cardholders stand to change to win 100% cash back on their purchases subject to the maximum amount of RM10000 for each sales draft.

The campaign is open to all EON bank principal and supplementary cardholder. You just need to charge a minimum of Rm50 on your EON bank card(Credit,debit or prepaid). If the approval code on the sales draft ends with “888″, you are on the way to 100% cash back. You do not need to do anything. EON bank customer service will contact you on the next working day. You will need to answer a simple question to win 100 % Cash Back on the relevant sales draft.

The 100% Cash Back is applicable to all retail,cash advance and internet purchase. This compaign is NOT applicable for any form of inquiry transactions,stand-in authorization by VISA and Master card, balance transfer,standing instruction,fees and charges,my payment plan,referral,MOTO and call for cash transactions. The EON 100% cash back compaign end on 28 Feb 2009.

Hurry up, apply EON credit card today from us mail@gchsolutions.net and get 100 % cash back.

You got 60% off on this Philips Portable DVD Player at very cheap price of ONLY RM370 inclusive of delivery upon your credit card approval, this best buy item only applicable for new applicant for Citibank Gold,  Citibank Cash Back Gold & Citibank Platinum credit card application.

The Portable dvd player Product Specification are:

This Philips portable dvd player Immerse in AV entertainment, It allow you to Plays DVD, DVD+/-R, DVD+/-RW and (S) VCD discs and MP3-CD, CD and CD-RW music.

For ultimate convenience, the philips portable dvd player also come with Car adaptor and handy remote control included, Simple and easy operation and Up to 2-hours playback with rechargeable battery.

For your viewing comfort, it has 7 inch TFT color LCD display for high quality viewing and the portable dvd player also come with Built-in quality stereo speaker.

Here is the process of getting your Cheap Portable DVD Player when you apply for a citibank credit card. 

1) You will receive the cheap philips portable dvd player voucher & form upon receive your citibank card after 2 weeks ~ 1 months from your card approval date.

2) Fill up the form and fax to JCMS (the fax number will be stated in the form). Wait for a day, the JCMS will contact you to confirm order for your interest of this best buy philips portable dvd player. after all, they will deliver the product to you in a short while.

Thats it! you done! ::enjoy:

in additional of this cheap philips dvd portable player, you will also enjoy a 2-years annual fee waiver. I also wrote about the citibank gold, citibank cash back gold, citibank platinum credit card feature & benefit for your review.  enjoy !!!

This rebate valid during hari raya Aidilfitri till Christmas festive season from 1 september – 31 December 2008.

You will get 10% rebate on super Tuesday and 5% rebate Everyday.

Again, the cash rebate will be calculated on calender month basis and shall be reflected in the subsequent month Maybank credit card statement.

There are another condition is that the cash rebate is up to a maximum of RM50 per Maybank credit card member per month only and there is no treats point or membership rewards points will be issuesd for purchase at carrefour during the promotion period.

This is an Exclusively for citibank platinum and citibank gold card members, Promotion ends 12 October 2008.

In orders word, if you Purchase any philips products at Jusco with your citibank platinum and citibank gold credit card and get the following items at exclusive offers.

PLUS, you will stand a chance to win a holiday for 2 to korea and many delightful philips prizes.

Grand Prize Air Tickets for two to Korea
1st Prize x5 – Philips 32″ LCD
2nd Prize x30 – Philips Hand Blender
3rd Prize x50 – Philips Mini Vacuum Cleaner
Consolation x100 – Philips hair Dryer

We wish you all Happy hari raya aidilfitri 2008 and enjoy the festive season, don’t missed this promotion if you are citibank platinum or gold card holder. its worth to buy especially for the 3 items at very exclusive offers 1) Philips portable DVD player with 7″ LCD screen 2) Philips Micro Hi-Fi and 3) Philips MP3 / WMA player.

HURRY! visit any Jusco near you now

wanna to apply for a citibank gold card or platinum card if you still don’t have one? contact us at mail@creditcard2u.net

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.:)

In others word, if you have purchases items payment reach RM500 per transaction or more than that, the credit card payment will automatically convert into 12 months flexible easy payment installment plan. With this immediate credit flexible easy payment installment feature you will have greater savings for low interest payment per month and you can easily save your credit card interest upto 8.12% per annual without guilt

Its too Easy, convenience, hassle free, you can control through the automatic Flexible easy Payment plan for your expenses more effectively and you do not have to worry whether to spend at the selected outlet.

Note:

1. Automatic Flexible Payment Plan (FPP) – Min purchase: RM500 will automatic convert payment into 12 months installment at interest rate 9.88% per year.
2. Easy Payment Plan (EPP) – Min purchase: RM1000, will enjoy 0% interest Installments for up to 12 months -In 6, 9, 12 month.

The Citibank choice card not only provide you immediate credit flexible easy payment installment feature, coupled with the free for life annual fee waiver, allows the Choice card to meet a long unfulfilled demand of Malaysian customers.

Note:
The annual fee waiver for life as long as if you swipe for x2 time at any amount (RM5 will be charge per month otherwise else).

You can access to privileges worldwide make this Choice card a must-have for discerning consumers who are prudent and seek value for money. Enjoying great saving, Exclusive offer & daily instant discount and Earns evergreen rewards point.

Again, Supplementary card will be Waived 100% for all applications to the choice card principle holder. Up to 9 supplementary cards, Spending on supplementary card also counted as swipe condition:)

Additionally, here is the summary of Citibank Choice credit card Rewards Program: 

• Per transaction in blocks of RM50.00 = 50 points (*evergreen)
• Eg Transactions of 3 x RM40=0 pts, 1x RM90=50 pts, 2 x RM160=300 pts
• Retail purchases only, none for cash advance, Balance Transfer, LOP
• Redeem from over 200 reward items (except AF waiver, air miles)
• Value for money on every $$$ spend on retail purchases.
• Earn evergreen points.

In overall, This choice credit card is the only one of its kind in Malaysia as it enables value conscious customers to get more control of their credit card payments with the automatic Flexible easy Payment Plan feature:)

Target Market:
Min aged 21

Annual Personal Income:
Must be at least RM18,000

Credit Line:
Min: RM3,000 Max: RM45,000

For further enquiry or applications of this choice credit card, please email us at mail@creditcard2u.net for your interested!

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The power of ready cash is immeasurable. The only credit card cash advance with 0 cash advance fee to use as you please, whenever, wherever. It’s convenient! It’s a contingency measure. It gives you control with 0 cash advance fee & low interest visa rate . Never before has it been so easy to access extra cash drawing credit card cash advance with 0 cash advance fee.

So, whenever the need arises, you can also write a check or make an credit card cash advance withdrawal at ATM. Citibank Ready Cash checks are welcome wherever checks are accepted in Malaysia. What’s more, you can also use your Citibank Ready Cash low interest visa card for retail purchases at over 24 million Visa merchants around the world.

Features & Benefits:

• Up to 100% of credit line for the credit card cash advance withdrawal – Enjoying better control over cash flow.
• 0 cash advance fee and its the only visa credit card let you enjoy such a great saving.
• Low interest visa – Save more with lower interest rate charges at 1.25% per month for cash spending.
• High credit line – Extra financial flexibility with more credit line to enjoy -up to 3 times highest of your salary.
• Power of extra cash – Cheque book access to cash – Convenient, 24-hour access to cash – Contingency measure for big ticket purchase, example car installment and/or merchants without credit card terminal.
• Extra cash at hand.

Target Market:
Working adults (majority self employed) aged 31 to 40 years.

Annual Personal Income:
Equal or more than RM36,000

Credit Line:
Min:RM5,000 Max:RM250,000

Annual Fee:
RM 120

For further enquiry or applications of this card, please email us at mail@creditcard2u.net for your interested!

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Low interest balance transfer Plan A – 6.88% per year
“Normal Finance charges at 18% per year”
Public bank balance transfer enjoy low interest at only 6.88% per year
You can save up to 11.12% credit card interest per year!

Low interest balance transfer Plan B – 1.5% upfront interest

Note: The one-time low interest will be charged upfront on the first month upon approval. Terms and conditions apply.

For further enquiry about the public low internet balance transfer plan or applications, please email us at mail@creditcard2u.net!

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With the EON BANK Credit Card zero 0% Interest Balance Transfer you can enjoy up to 48 months Installment for your balance transfer!

• You Save More With 0% Interest banlance transfer Installment Plan!
• Lessen Your Monthly Minimum Repayments for the EON credit card!
• Up To 48 months Tenure for o% interest balance transfer!

***Assuming Cardholder makes 5% minimum repayment on the outstanding balance of RM3,600 at finance charges of 18% p.a. on the 0% Interest balance transfer Installment Plan tenure. Terms and conditions apply – with one time interest charge.
 
This balance transfer plan is designed to take the stress out of your credit card payments, the EON BANK GROUP Credit Card Zero 0% Interest Balance Transfer will help you save even more at the same time, providing you with many flexible options of repayment up to 48 months installment to suit your financial needs.

So switch to EON BANK GROUP Credit Card Zero 0% Interest Balance Transfer Plan today! You will save more with the Zero Interest (0%) balance tranfer Installment Plan and ultimately lessen your monthly minimum repayments

mailto mail@creditcard2u.net for more detail or application.

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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