Maybank Islamic Ikhwan Card

It works the same as any credit cards. It is accepted nationwide, can be used for everyday spending on anything from meals and petrol to paying for a holiday. The profit rate is the same as the other credit card ie 1.5% a month @ 18% per annum.  The cash withdrawal fee is 5% of the amount withdrawal @ a minimum of RM10, whichever is higher.

The differences between Maybank Islamic Ikhwan Card and Conventional credit card are:

• In Islamic Banking, the profit rate is deemed to be non-compounding as compared to Conventional Credit Card.
• All transactions under Maybank Islamic Ikhwan Card should be in line with the Shariah principles and cannot participate in businesses prohibited by Shariah such as gambling, liquor, etc.
• Maybank Islamic Ikhwan Card governs the concept of economic justice and avoid interest or riba in their banking transactions.

The value propositions for MAYBANK Islamic Ikhwan Card are:

• Enjoy 1X TreatsPoints for Visa and 2X TreatsPoints for American Express
• FREE Annual Fee subject to 12 transactions per year, per card type
• Earn 3X TreatsPoints for selected Etiqa Takaful products from 1st  September 2008 till  28th  February 2009.
• Hassle free with Touch ‘n Go Zing Card. Whenever the account balance drops to RM50, it will automatically upload RM100 to MAYBANK Islamic Ikhwan Card with RM2 reload fee.
• FREE Auto Assist – for purchase or renewal of car insurance with Etiqa.
• Automatic Travel Personal Accident (ATPA) Takaful

This Maybank Islamic Ikhwan Card Carries  5 additional values:

• Charity (Sadaqah) - Donate through your Islamic Ikhwan card or by Treats Points to selected charity organizations
• Traveling (Ziarah) - Tour programme to Islamic-historical places, middle east countries
• Protection (Takaful) - Special packages on Takaful insurance
• Savings (Al-Tawfir) - Balance Transfer and Special EzyPay deals all year round
• Sharing (Musharakah) - Earn TreatsPoints with Ikhwan and you can enjoy privileges and redeem products for you, your friends and family

Plus, other benefits that you will enjoy:

You will also enjoy all benefits that Conventional cardmembers are enjoying including the Insurance coverage.

• Visa Wave - Make purchases speedier at participating merchant outlets.
• Auto Paybills - Bills are automatically charged to the Maybank ISLAMIC Ikhwan Card upon enrolment.
• Balance Transfer Plan - Transfer outstanding balance into your MAYBANK Islamic Ikhwan Card from other credit cards and enjoy savings.

6 months Plan  - 0.5% per month   - RM1,000
9 months Plan  - 0.75% per month  - RM1,000
12 months Plan - 1.0% per month   - RM1,000
24 months Plan - 0.375% per month - RM2,000
36 months Plan - 0.413% per month - RM2,000

• Maybankard Treats - Special deals and great rewards from dining, shopping, golf to health treats all year round.
• Treats On-Chip - Earn e-Coupons to redeem treats and receive discounts and items at participating merchants.
• TreatsPoints HotSpot - Use the TreatsPoints to redeem gifts on-the-spot at over 300 Hotspots Locations nationwide.
• Maybankard Travel Treats & Enrich Frequent Flyer Program - Enjoy discounted rates on all business and leisure travel needs. Also earn TreatsPoints to redeem free air travel with Malaysia Airlines Enrich frequent flyer program.
• M2U Mobile Banking - Cardmembers can securely access, view credit card balances or pay bills to over 500 corporations with the MAYBANK Islamic Ikhwan Card while on the move, anytime and anywhere

This Card offers 3X Points for selected Etiqa Takaful Product, what are the types of products that offer 3X points?

You can enjoy 3X Points for :-

• Takaful Amal - it benefits you and your loved ones by offering you a protection plan that suits your budget, age and most of all, meets your needs and provides worry-free days to your nearest and dearest in case the unexpected occurs.
• Takaful Alif - places your children’s future first by providing you the opportunity to plan and save for their higher education.
• Takaful Privilege PA - offers you total peace of mind 24-hours a day wherever you are without compromising your financial status with a comprehensive personal accident plan that covers you and those you love.
• Takaful Insan - helps you fulfill your responsibilities by providing your beneficiaries or you with a protection plan that offers a fixed and regular monthly income should the unexpected occur.
• Takaful MediRider - not only assures you immediate medical care during an emergency but better treatment choices and greater peace of mind. You only pay a minimal contribution for coverage up to age 75, one of the longest periods available. Applicable with any other above product except for Takaful Amal and Takaful Insan.

***The above products must be charged to MAYBANK Islamic Ikhwan Card to entitle for 3X TreatsPoints.

Anybody can apply for this card as long as the monthly salary is RM2,500.00 @  RM30,000 per annum. What you can do is to sign-up and fill up the application form and enclose the

relevant documents to our nearest branch or Head Office at Menara Maybank.

Documents required?

• Copy of NRIC (both sides) or passport, Supplementary applicant’s included
• Latest BE form with official tax receipt
• Latest 2 months salary slips
• Latest 3 months savings account activity / current account statements
• For a self-employed, copies of Business Registration and latest 3 months Bank Statements
• For Expatriates: A Letter from employer confirming duration of employment contract in Malaysia and applicant must be a Maybank account holder. 
• For Graduates: Copy of Degree Certificate/ Professional Qualification and employment letter or 1 month salary slip

If you have been a Principal credit / charge Cardmember for at least 1 year of a card issued in Malaysia and valid worldwide, just enclose :

• Copy of NRIC (both sides) or passport, including Supplementary applicants
• Supplementary applicants copy of credit / charge card (both sides)

This information shared by creditcard2u for a credit card deals. If you have any enquiries, please email us at mail@creditcard2u.net . enjoy your reading!

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If you are less than happy with your existing mortgage lender, a home mortgage loan refinancing could get you with a better terms or a lower payment amount. If you used a risky adjustable rate mortgage to purchase your home and are due to have your loan reset it could give you much needed financial peace of mind.

Advantages of home mortgage loan refinancing

• Lower Monthly Installments- when you refinance your mortgage at a lower interest your payable interest rates are substantially reduced.
• Reduce the Mortgage Term- By reducing the rate of interest you can shorten the length of the mortgage.
• Use the equity of your home for your benefit - As an alternative to a home equity loan, you can choose to refinance your home for an amount greater than the remaining balance of your mortgage.
• Consolidate your debts- by refinancing your mortgage at a lower interest rate; you can consolidate all your individual loans into one new mortgage at a lower rate of interest.

Types of Home mortgage refinancing Loan you can opt in for

• Rate and Term Refinancing- This refers to a change in the rate and term of an existing loan or mortgage. Rate and term mortgage refinance allows you to secure a lower interest rate, change the terms, or opt for a lower payment plan all without paying off any additional debts.
• Cash-Out Refinancing- A cash-out refinance differs from rate and term refinance in an aspect that the new loan amount is larger than the existing loan amount due to the additional cash you take with the new loan. By opting for a cash-out refinancing, you can pay off your debts on top of their existing loan amount, and changing the rate and term of the existing loan at the same time.

Here is something you must Beware Prepayment Penalties.

Before Home mortgage loan refinancing you need to know whether or not your existing mortgage loan has a prepayment penalty. Contact your lender to find out if you have to pay a penalty for mortgage refinancing; if your loan has this penalty try and negotiate with the lender to pay a lesser amount. Mortgage lenders include prepayment penalties in their loan contracts to discourage refinancing the loan. Make sure your new mortgage lender does not include this fee in your loan contract.

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What’s been keeping you from investing in real estate? Do you think it’s too complex? Too hard to learn? Whatever it is, forget about it. Some of the most successful real estate investors were in your shoes when they first started. You have to get rid of your self-created obstacles before you can start investing in real estate.

If a lack of education is keeping you from investing in real estate, then that’s a fairly easy problem to fix. There are many books and websites you can use to learn everything you need to know to get started. After that, you can learn through trial an error. Figure out what it is you don’t understand, and then take the steps to learn it. If you don’t know anything at all, get trained on the basics. Take it step by step rather than try to learn everything at once.

Is money keeping you from getting started in real estate investing? This is a valid concern. We’ve all heard the saying, “It takes money to make money.” This is just as true of real estate investing as of anything else. The good news is that it doesn’t have to be your money you use to get started. In fact, you’re better off if you figure out some ways to use other people’s money, OPM in the real estate investing world.

Work as an apprentice for an experienced real estate investor. Unless you already have a personal relationship with an investor, don’t just as to be his apprentice. Instead, create a relationship with someone. Find out if there’s a real estate investor’s association in your area and go to the meetings. Learning from someone with experience can give you the confidence you need to start investing on your own.

Sure, there are obstacles to getting started in real estate investing, just as there are with anything else you do. Figuring out how to get over these obstacles is key to your success.

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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!

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According to the National Bureau of Economic Research, a recession is a significant decline in economic activity spread across the economy. This decline lasts a few months and will be seen in the gross domestic product, income, employment, industrial product, and retail sales. You might see a lot of newspapers and other online publications saying you know you’re in a recession when the gross domestic product (GDP) is negative for at least two quarters.

The gross domestic product is used to measure a country’s economy. It’s the total market values of goods and services produced in the country for a certain period of time. When this market value is negative for at least six months, the nation is technically in a recession.

It’s possible for the GDP to be positive, yet the country still feel like it’s in a recession. Here are some things that make it feel like a recession:

• Business growth slows down
• Employment decreases
• Unemployment increase
• Housing prices decrease
• Consumption slows (people buy less)
• Production slows
• The stock market is unhealthy

Is the United States in a recession right now? If you’re going by the textbook definition of a negative GDP for two consecutive quarters, the answer is no. But, if you go by how things feel, then the answer is a resounding yes. With rising gas and food prices, American consumers feel like the country is in a recession, even if the numbers say otherwise.

It’s not good for the country to be in a recession, so you’ll notice the government taking action to turn the recession and especially to keep it from becoming a depression. You might notice the government cutting taxes, creating new government jobs, and lowering interest rates. The government might also change policies that allow banks to loan out more money at more attractive interest rates. Usually, these remedies work, even if it takes a few months for the effects to be seen.

I like to see anyone comment on recession, share your thought with me if you have your own view.

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On my early 2 articles, I have been sharing solutions about How To Verify Paypal & Choosing a Prepaid Visa Card for your paypal fund withdrawal. and its time for you start using it to accept credit card payment for your online business.

If you are not quite sure what is paypal payment gateway and why use paypal to accept credit card payment online, let me explain a little bit more before we get start setting up the things.

WHAT is Paypal?
Paypal is the most famous e-currencies and payment gateway in the world. People use Paypal to send and accept credit card payment via online. It’s the more popular way to pay eBay auction and also the cheapest way to accept credit card for your online business (selling ebook, membership, software, physical product and ect…

WHY Paypal?
There is a lot of reason why people using Paypal payment gateway. Here are some reasons why over 96 million people use Paypal to accept credit card payment?

1. Paypal is FREE to accept and send money.
2. You can shop without sharing credit card information.
3. The cheapest way for seller to accept credit card online.
4. More than 96 MILLION people using it.
5. People can buy your product without open an account.
6. Your financial information never shared. the Paypal also strict in credit card fraud.
7. Paypal is the preferred payment method on eBay (more than 150 million registered users).
8. You can send or accept credit card payment via Paypal with email address only. 

Many Big Brands Company are using Paypal service as their alternative payment gateway

There are basically 3 types of account to accept credit card payment online - the best thing is they all are FREE!

when you fist sign up paypal, you account type status will be “Personal” with some limitation for accept or withdraw credit card payment. I will show you how to upgrade to ”Premier & Business” types with just one click. But first of all, you will need to become verified paypal, see How To Verify Paypal!

Upgrade you Paypal Payment Gateway account From “Personal” to “Premium / Business” FREE!

I’m assumed you already been signed up a Paypal account , if not, do so and verified your Paypal account. then, login back to your Paypal account, you should see a button link stated “Upgrade account”, click on it now.

You will be hyperlink to below page, click on the Upgrade Now button once again and you done

Create payment gateway button to accept credit card payment for your product or service on website or blog Free. its so easy!

There are a few payments option can be use, such as: email payment, recurring credit card payment for membership and so on. the set up process is quite similar, but in this case, i will show you how to set up with a standard way to accept credit card payment for a single product from your website or blog. 

From your Paypal account, Go to Mechant Service then click on Website Payament Standard:

Choose “sell single item” payment button…

Click on “Get Started” link…

Fill up your product name (any of your wish). item ID number is optional ( I use to leave it blank). your product price. If you are targeting ww customer, USD currency is the one to choose or otherwise of your choice. Your country. Weight - leave if blank if you are not selling pysical product that require shipping.

Choose the buy now button on your site. If you want to use your own button image, firstly you are require to upload the image by clicking on “use your own button image”.

Set Button encryption to “Yes” as we are selling single item on site not via email.

For this sharing, we are selling download able product on the web for auto download. Hence, set both to “0″ as we do not require shipping any physical product.  then click on “Add More Option” to proceed.

Here is what you can customize your credit card payment pages. but this is option, select Paypal primary page style is an easy way unless you can customize it yourself.

Create your Thank You Page and insert the URL. When Customer successful making payment via credit card from your site, Paypal will automatically send the customer to this thank you page. You may put the product information, download link or instruction for customer to continues with the rest of process in getting their goods.

You are almost there, click on Create Button Now to get the payment gateway coding. copy and paste the HTML code onto your website of your wish - you done

Below an oveview payment gateway processes I personally create for one of my product to accept credit card payment online, believe you will get more clear picture from start to end of this Paypal payment solutions. enjoy earning online!

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Today’s consumers are presented with many of cards choices, you may choosing a credit card that with low interest rates or no annual fees, Cash Back, Gold Cards, Platinum Cards, Airline Card, and much more.

How do you choosing a credit card for your own? Before apply for credit Card Consider the impact which can have on your financial health before choosing on one. Below are some quick tips to help you differential and choosing a credit card offers that matchs your needs before apply:

1. Do You Plan to Maintain Monthly outstanding Balance?
   If you about to use your credit card wisely and plan to carry forward outstanding balance almost every month, you should considering choosing a credit card deals that let you to pay less monthly interest, apply for a credit card with a low interest rate is better for you. If you choose to transfer a high balance credit card to a lower or 0% APR credit card, you will save even more.
2. Do You Plan to Pay in Full Every Month?
   Many consumers choose to pay their credit card in full each month? They use credit cards as a convenient way to track their spending and to make purchases without using cash or checks. If you plan to pay the bill in full every month choosing a credit card with annual fee waiver or offer free for life. Finance charges may be higher, but since you pay the balance off every month, you won’t be charged.
3. Do You Need a High Credit Limits Or exclusive benefits?
   Considering choosing a credit card that offers a blend of high credit limits and exclusive benefits. Gold Credit card or Platinum Credit Card are the premium tier of credit cards that you can apply, But issuing banks usually require gold and platinum cardholders to meet higher standards of income and creditworthiness.
4. Will you need cash advances?
   If you usually use the cash advance feature check what credit card has the low cash advance or no cash advance fee. Be sure to read the fine print on their requirements. Some credit card companies impose a transaction fee and a cash advance fee plus the interest rate. Some credit cards charge a higher rate for cash advances than regular purchases.
5. Will you be traveling frequently?
   If this is your situation, then a Airline credit card or Cash Back credit card reward program may suit you best. Be sure to consider your interest rate first, however. Rewards should come secondary to your spending habits and the cost of the credit card itself. Cash rebate cards offer you a cash back refund that you can use anyway you choose. Airline credit cards offer you miles as credit for every dollar you spend, sometimes offering you double or triple miles.
6. Do you need a Co-branded Card?
   A Co-branded cards carry the name of a third party on the card. With co-branded cards, you typically benefit by accumulating points for discounts with every charge or enjoy special discount from the third party offers. When choosing a credit card for such deals, make sure that the benefits are those you’ll use and that the other aspects of the card do not offset the benefits. Here is some great Citibank co-branded card Giant Malaysia Stores, Celcom Malaysia, Shell Gas Fuels that you might be interested.

Choosing Wisely - Using Wisely, The most important thing to remember Choosing a credit card is to take your time and carefully evaluate all the features of the card and after that decide which card is right for you and meets all you needs.

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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 !!!

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You might not know, all loans you got counted on your credit rating and determine your credit score recording in your persornal credit rating report.

If you are like most people, you have been hearing about the importance of improve credit rating for a good record since you were able to hold a dollar in your hands.

If you are a borrower or a credit card holder, you will have to maintain a better credit score, as your credit rating information will be kept at the Credit Bureau. The types of information kept are as follows:

a. Personal particulars such as name, identity card number and address.
b. Details of credit account such as type of credit facilities, credit limit, outstanding balance, conduct of account and status of legal action, if any.

The information contained in the credit rating reports are entirely factual and are based on information obtained from the financial institutions or banks.

When you apply for a loan from a banks, they will perform a credit rating assessment on you to check if you have a better credit score. This may involve background checks from various sources including the Credit Bureau which keeps information regarding your credit rating history.

The better creidt score your have is, the better the chance you have to get good rating or high approval on other loans, credit cards and financial assistance from bank whenever you needs.

we suggest you to keep a good watch on everthing that has to do which lead to affecting your better credit score. There are 2 common steps to have a better credit score that you should take in order to go through the process of improve your credit rating.

1) To build a better credit score, one major rule is to make certain that you pay on time for all of your existing credit card card or loan bills right away when they are due. Even if you cannot pay your outstanding balance, to maintain or improve credit rating it is completely necessary that you at least pay the minimum so that you can show creditors that you are a responsible individual.

2) Another quick way to improve credit rating is to bring down your credit card debt ratio. If you keep your available credit limits high and only use not more than 35% of the credit limit you have available, your will improve credit rating for a better credit score dramatically.

If all your card credit limit have been not available and you have hard time to pay off your bills, one recommended quicker way to improve your credit rating is to get help from credit repair services to settle credit card debt for you, that not only help you improve credit rating for a better credit score, it also reduce your monthly interest for a big saving. All you need is to pay a once time minimum processing fees, that still worth!

Again, at your earliest convenience, it is better to obtain a copy of your current credit score report. This way, you will be able to see which of your accounts are actually listed on your credit rating report so that you can improve credit rating further base on the list. The free credit report can be obtained from Bank Negara Malaysia at no cost anyway.

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As far as I know, There are some people feel unsecure to verify their paypal account using credit card and they prefer to use visa prepaid debit card instead.

One common problem is people able to verify paypal account with credit card but fail to verify paypal account using a visa prepaid debit card. are you facing the same problem?

Fact, The process of verifying boths type of cards are actually the same. but please make sure you have credit limit available in your credit card or debit card account.

A new visa prepaid debit card have no credit limit available in the account until you putting some money in your account before you can use to verify your paypal account, said at least RM250. while credit card already have its credit limit available given by bank, hence you can use it directly to verify your paypal account

Here is the step by step guide to setting up and verify your paypal account:

Step 1: Register a Free Paypal Account. Fill up all necessary information that require in the form including your credit card or visa prepaid debit card information and submit.

Step 2: After all, you should activate your Paypal account using the link that Paypal has sends to you via email. The email message should look like this. Click the link to confirm your email address!

Step 3: NEXT, Login to your Paypal Account. And verify you paypal account.

When you create your account, your status is unverified. why verified? 1) You can send unlimited fund when verified but unverified there are some limit. 2) You can withdraw Paypal fund when verified. Unverified cannot withdraw it to cash.

Step 4: You will be redirect to another pages like below. Click “Get Verified”.

You are almost done to verify your paypal account, Now you must wait for your next credit card or visa prepaid debit card statement to get the “6 digits Expanded Use Number“. They will appear in your next card statement and you will see Paypal charged USD1.95 in your card account.

Once you received the number from your statement. Return to the same page and enter the “Expanded number” to get you paypal verified. Once you have done, Paypal will credit back the USD1.95 into your Paypal account… you are done!

Hope this guide will help newbie in setting up and verify paypal account without problem if anything, leave a comment in this post and I will reply.

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