NEWS update..for Affin bank
AFFINBANK Savings Campaign OH MY GOSHH (O.M.G)
It was launched on 1 September 2010 to 30 April 2011. Just top-up or open a deposit account and stand a chance to win BIG money up to RM1.2 Million cash deposits and enjoy HIGH interest rates up to 3.8% p.a. Every RM500 entitles you to an entry for current or savings account and RM2000 for fixed deposit accounts. The more you save, the higher your chances of winning!
SPEND, SAVE & WIN By Using YoUR Affin Bank Card!!
Use your AFFINBANK credit card for all your expenses and spend your way to win fantastic prizes. With AFFINBANK SPEND, SAVE & WIN promotion starting April 2010 to March 2011 for every RM50 spent on your card, you can be one of the winners to win monthly prizes of RM2,000 and a chance of the Grand Prize - Perodua Alza MPV. So why wait? Start spending now and increase your chance of winning or not yet a cardmember, join us today.
FREE NIGHT'S STAY IN FIRST WORLD HOTEL, RESORTS WORLD GENTING PROMOTION
IS EXTENDED UNTIL 28 FEBRUARY 2011!
Keep spending until 28 February 2011 and enjoy a complimentary hotel stay at Resorts World Genting when you spend at least RM30 with your AFFINBANK Debit MasterCard at five different locations.
For Terms and Conditions, please visit www.MasterCard.com/sea/ or call 03-5635 1391.
Wednesday, January 12, 2011
Monday, January 10, 2011
AFFINBANK SPEND, SAVE & WIN
If you have apply the Affin credit card,did you know you can use your AFFINBANK credit card for all your daily expenses and spend your way to win fantastic prizes.
With AFFINBANK SPEND, SAVE & WIN promotion starting April 2010 to March 2011 for every RM50 spent on your card, you can be one of the winners to win monthly prizes of RM2,000 and a chance of the Grand Prize - Perodua Alza MPV. So Don't miss thos chance,and don't feel "wallet pain" after sweeping you affin debit/credit card many times.Start spending now and increase your chance of winning..
AFFIN Bank Bhd, one of the smaller anchor banks post-consolidation, has made an initial impression on the retail market, capturing a total of 61,000 credit card users. The amount exceeded the bank's modest target of 50,000 when it launched its credit cards last September. "They have their strategies to gain market share for credit cards,"
With AFFINBANK SPEND, SAVE & WIN promotion starting April 2010 to March 2011 for every RM50 spent on your card, you can be one of the winners to win monthly prizes of RM2,000 and a chance of the Grand Prize - Perodua Alza MPV. So Don't miss thos chance,and don't feel "wallet pain" after sweeping you affin debit/credit card many times.Start spending now and increase your chance of winning..
AFFIN Bank Bhd, one of the smaller anchor banks post-consolidation, has made an initial impression on the retail market, capturing a total of 61,000 credit card users. The amount exceeded the bank's modest target of 50,000 when it launched its credit cards last September. "They have their strategies to gain market share for credit cards,"
Lowest in town at 9.99% p.a.
AFFINBANK Credit Card Finance Charge
Following the commercial banks' revision of credit card finance charges, Affin Bank Berhad's finance charge remains the lowest in the country at 9.99% p.a.
To enjoy the 9.99% rate, cardholders need to pay the monthly minimum payment by due date.
Member banks under The Association of Banks in Malaysia (ABM) are required to revise their rates downwards by March 31, 2009
For "Tier I" credit cardholders who promptly settle their monthly minimum payments on retail purchases for 12 consecutive month, their interest rate is revised downwards to 13.5% per annum from the current 15%.
"Tier II" cardholders who promptly settle their minimum payments for 10 months or more in a 12-month cycle will benefit with a reduction to 16% per annum from the current 17%.
Cardholders who are not within the two categories and who are generally termed "Tier III" cardholders will see a reduction of interest rate coming down to 17.5% per annum versus the current 18%.
The tiered finance charge for AFFINBANK Cardholders is computed on a monthly basis to benefit prompt paymasters:
* 9.99% - monthly payment made by due date
* 17.50% - no payment received by due date
Furthermore, AFFINBANK also provides the benefit of:
* Cash Rebate of up to 0.8%
* FREE Annual Fee
AFFINBANK Credit Card Finance Charge
Following the commercial banks' revision of credit card finance charges, Affin Bank Berhad's finance charge remains the lowest in the country at 9.99% p.a.
To enjoy the 9.99% rate, cardholders need to pay the monthly minimum payment by due date.
Member banks under The Association of Banks in Malaysia (ABM) are required to revise their rates downwards by March 31, 2009
For "Tier I" credit cardholders who promptly settle their monthly minimum payments on retail purchases for 12 consecutive month, their interest rate is revised downwards to 13.5% per annum from the current 15%.
"Tier II" cardholders who promptly settle their minimum payments for 10 months or more in a 12-month cycle will benefit with a reduction to 16% per annum from the current 17%.
Cardholders who are not within the two categories and who are generally termed "Tier III" cardholders will see a reduction of interest rate coming down to 17.5% per annum versus the current 18%.
The tiered finance charge for AFFINBANK Cardholders is computed on a monthly basis to benefit prompt paymasters:
* 9.99% - monthly payment made by due date
* 17.50% - no payment received by due date
Furthermore, AFFINBANK also provides the benefit of:
* Cash Rebate of up to 0.8%
* FREE Annual Fee
Affin Bank online Banking
Did you know you can pay your Affin Malaysia credit card via Affin Bank Malaysia credit card payment online system?
The new Affin Online banking service is a secure,easy ,convenient and quick way for you to run your online banking transaction. Before you can begin to use this online banking facility from Affin, you will need to register and log in to the website to create your username.I will talk about it on the following paragraph.
Before you can start using your Affin online banking service,you will need to register for Affin Bank Online Banking.this procedure is to make sure your online payments over the Internet is secure. Below listed few important steps on how to register at Affin online banking.
7 STEPS TO REGISTER AFFIN online Banking.
Step 1:go to the Affin Bank at https://www.affinonline.com/rib/pb/logon
Step 2:At the web site,Browse the button on the top left Conner provided on the screen and select the option for “First Time Login.”
Step 3: you will be asked to enter a 16-digit access card number which will be printed on your Affin Bank bankcard/ATM card/Debit card. Remember ,the "Access Card No" is your Affin Bankcard/Credit Card or Virtual Card Number that you initially used for Internet Registration.
And PIN is your internet PIN that you created at the ATM or Internet PIN Mailer obtained from the branch.You need to go to ATM to create a password before you can log in to your Affin online banking service.
Step 4:Enter you PIN for online banking.Note that this is the password that you created at ATM refer (step#3),this is the temporary personal identification number (T-PIN) that you would have been given when you registered at the Affin Bank ATM machine.After enter the password, click on the activate button to move to the next step.
Step 5:You will need to create a username that use to log in you ac. The username must be a minimum of six digits.Then you create a new permanent password. The password must be a maximum of eight alphanumeric characters. Once you have both your username and password then click the Confirm button and a new page will appear.
Step 6:After loging in to Affin Bank Malaysia online credit card bill payment service, they will shown you some Terms and Conditions for using the online banking service. Slowly go through all of the terms,you will be asked to check the understand /agree box before going to the next stage of the process.
Step7:After accept the terms of use of the website,they will ask you some questions ,you need to provide answers to these questions in the event that you forget your password ,then you have these answers to recover your password just in case.. Once you have provided the answers to the questions click on the “Next” button.You then must verify the accuracy of the questions you answered and click “Next” again.
That is it,DONE!!
You have now finished the AFFIN ONLINE banking registration process.you can now start making your credit card payments ,check balance,transfer money online right away.
IMPORTANT NOTICE:
Affin Bank will NOT ask you for login information/password/account details etc via email, telephone or SMS. Users are advised NOT to login to your account via any email links. Immediately notify the nearest Affin Bank branch or our Call Center if you receive any such requests.
The new Affin Online banking service is a secure,easy ,convenient and quick way for you to run your online banking transaction. Before you can begin to use this online banking facility from Affin, you will need to register and log in to the website to create your username.I will talk about it on the following paragraph.
Before you can start using your Affin online banking service,you will need to register for Affin Bank Online Banking.this procedure is to make sure your online payments over the Internet is secure. Below listed few important steps on how to register at Affin online banking.
7 STEPS TO REGISTER AFFIN online Banking.
Step 1:go to the Affin Bank at https://www.affinonline.com/rib/pb/logon
Step 2:At the web site,Browse the button on the top left Conner provided on the screen and select the option for “First Time Login.”
Step 3: you will be asked to enter a 16-digit access card number which will be printed on your Affin Bank bankcard/ATM card/Debit card. Remember ,the "Access Card No" is your Affin Bankcard/Credit Card or Virtual Card Number that you initially used for Internet Registration.
And PIN is your internet PIN that you created at the ATM or Internet PIN Mailer obtained from the branch.You need to go to ATM to create a password before you can log in to your Affin online banking service.
Step 4:Enter you PIN for online banking.Note that this is the password that you created at ATM refer (step#3),this is the temporary personal identification number (T-PIN) that you would have been given when you registered at the Affin Bank ATM machine.After enter the password, click on the activate button to move to the next step.
Step 5:You will need to create a username that use to log in you ac. The username must be a minimum of six digits.Then you create a new permanent password. The password must be a maximum of eight alphanumeric characters. Once you have both your username and password then click the Confirm button and a new page will appear.
Step 6:After loging in to Affin Bank Malaysia online credit card bill payment service, they will shown you some Terms and Conditions for using the online banking service. Slowly go through all of the terms,you will be asked to check the understand /agree box before going to the next stage of the process.
Step7:After accept the terms of use of the website,they will ask you some questions ,you need to provide answers to these questions in the event that you forget your password ,then you have these answers to recover your password just in case.. Once you have provided the answers to the questions click on the “Next” button.You then must verify the accuracy of the questions you answered and click “Next” again.
That is it,DONE!!
You have now finished the AFFIN ONLINE banking registration process.you can now start making your credit card payments ,check balance,transfer money online right away.
IMPORTANT NOTICE:
Affin Bank will NOT ask you for login information/password/account details etc via email, telephone or SMS. Users are advised NOT to login to your account via any email links. Immediately notify the nearest Affin Bank branch or our Call Center if you receive any such requests.
Sunday, January 9, 2011
What Bank Credit Card
What are credit cards'?
Credit card is a card you can apply form bank,financial institute where the provider offers you a convenience for you to spend money in advance ,there will offered a credit based on your profile and financial background.
Pros and cons
Credit cards has pros and cons , if you are running a business specially retail outlet, you probably should be accepting Credit card as one of the method of payment.You will be a merchant. Credit Card processing money starts at the point of sale.It also can be done from phone orders, mail orders, e-commerce orders. where orders don't need the signature verification. Many bank and financial institutions require that such transactions nowadays,one great example will be the trascation buying and selling goods and services online via credit card.e.g.Visa and Master.
You should always Understand the credit card process before making any buyinfg and selling decisions.Learn how to use your card wisely and find knowledge to your very own circumstances,ask questions from those who have experiences,e-mail the bank, explore the links on Internet.etc.
Before apply new card, keep a check list of the features and benefits of each card provider, plus the costs,interest rate,minimum payment etc. Start with the lower costs on the beginning stage.Dont't forget to reserve and uncover any potential costs with each provider. Don't overlook the benefits of working with so called a world-class bank credit card provider . The added operational and technical support you might receive can be well worth a slightly higher discount fee.
More than anything else, chosing the right bank card provider will protect your against losses or money wasted. Make sure you know how to handle the transactions of using credit card.If you meet the requirements exactly you can be accepted instantly, but if your credit rating is very bad then it is highly likely that you will be rejected.
How to check whether you are eligible?
Basically If you are new and haven't had any credit card in the past,when you aply a new card,For bank to approved your apllication, you will need a good credit background,meaning you have a stablre job or ghood anount of fixed asset,It is to ensure you have the abilility to pay your credit card debt.
You may still be approved if your rating is not 100% clean, but it's unlikely that this decision will be instant, as your application will have to be reviewed further.
Additionally, you will be required to have fully functioning bank account, be over 18 years old and be registered on the electoral roll.
What are the benefits of an instant decision credit card?
It does what it says on the tin. You get a very quick decision on whether you can get credit from that provider or not, and your card arrives soon afterwards.
They can be good if you need to pay for something urgently up front, such as travel expenses. They're also suited to people who don't have time to spend a long time filling in forms and responding to follow up calls and emails from the credit company.
Additionally, you get all the benefits that normally come with a credit card, such as protection if your card gets stolen or cloned and cover on any purchases between $100 and $30,000 depend on your local bank rate.
What are the cons of an instant decision credit card?
Credit providers know that when you apply for an instant decision card, your priority is the speed at which you can get it, rather than making sure you have the best possible deal. As a result, the deals offered with instant decision credit cards typically have higher rates and fewer benefits than their slower decision counterparts.
How do I know which is the best provider?
In the past, comparing offers meant hours of research and drawing up tables, but thanks to comparisons sites this is no longer the case. Online searches will highlight exactly what each provider is offering in terms of APR, interest and additional benefits (such as cashback and points schemes on certain purchases), making it easy for you to find the best card for you.
However, as with any credit application, it's important to check the small print to ensure you're not signing up for something which will leave you in financial trouble or with a poor credit rating later down the line.
Credit card is a card you can apply form bank,financial institute where the provider offers you a convenience for you to spend money in advance ,there will offered a credit based on your profile and financial background.
Pros and cons
Credit cards has pros and cons , if you are running a business specially retail outlet, you probably should be accepting Credit card as one of the method of payment.You will be a merchant. Credit Card processing money starts at the point of sale.It also can be done from phone orders, mail orders, e-commerce orders. where orders don't need the signature verification. Many bank and financial institutions require that such transactions nowadays,one great example will be the trascation buying and selling goods and services online via credit card.e.g.Visa and Master.
You should always Understand the credit card process before making any buyinfg and selling decisions.Learn how to use your card wisely and find knowledge to your very own circumstances,ask questions from those who have experiences,e-mail the bank, explore the links on Internet.etc.
Before apply new card, keep a check list of the features and benefits of each card provider, plus the costs,interest rate,minimum payment etc. Start with the lower costs on the beginning stage.Dont't forget to reserve and uncover any potential costs with each provider. Don't overlook the benefits of working with so called a world-class bank credit card provider . The added operational and technical support you might receive can be well worth a slightly higher discount fee.
More than anything else, chosing the right bank card provider will protect your against losses or money wasted. Make sure you know how to handle the transactions of using credit card.If you meet the requirements exactly you can be accepted instantly, but if your credit rating is very bad then it is highly likely that you will be rejected.
How to check whether you are eligible?
Basically If you are new and haven't had any credit card in the past,when you aply a new card,For bank to approved your apllication, you will need a good credit background,meaning you have a stablre job or ghood anount of fixed asset,It is to ensure you have the abilility to pay your credit card debt.
You may still be approved if your rating is not 100% clean, but it's unlikely that this decision will be instant, as your application will have to be reviewed further.
Additionally, you will be required to have fully functioning bank account, be over 18 years old and be registered on the electoral roll.
What are the benefits of an instant decision credit card?
It does what it says on the tin. You get a very quick decision on whether you can get credit from that provider or not, and your card arrives soon afterwards.
They can be good if you need to pay for something urgently up front, such as travel expenses. They're also suited to people who don't have time to spend a long time filling in forms and responding to follow up calls and emails from the credit company.
Additionally, you get all the benefits that normally come with a credit card, such as protection if your card gets stolen or cloned and cover on any purchases between $100 and $30,000 depend on your local bank rate.
What are the cons of an instant decision credit card?
Credit providers know that when you apply for an instant decision card, your priority is the speed at which you can get it, rather than making sure you have the best possible deal. As a result, the deals offered with instant decision credit cards typically have higher rates and fewer benefits than their slower decision counterparts.
How do I know which is the best provider?
In the past, comparing offers meant hours of research and drawing up tables, but thanks to comparisons sites this is no longer the case. Online searches will highlight exactly what each provider is offering in terms of APR, interest and additional benefits (such as cashback and points schemes on certain purchases), making it easy for you to find the best card for you.
However, as with any credit application, it's important to check the small print to ensure you're not signing up for something which will leave you in financial trouble or with a poor credit rating later down the line.
World Bank Report Asia Countries
According to World Bank's latest ranking and Economic Study 2010,Singapore is one of the world best country to do business for the fifth straight year. Hong Kong came in second and New Zealand third, while Britain and the United States rounded out the top five, according to the World Bank's Doing Business report. Kazakhstan was rated the country that had most improved business conditions since the last study in 2009.
China, Indonesia, Malaysia, Philippines, Thailand, and Vietnam can simultaneously stabilize their greenhouse gas emissions by 2025 without compromising growth through additional fiscal investment in renewable energy and energy efficiency, the bank said in a new report.
According to World Bank ,the global financial crisis of the past two years had also pushed some countries to free up business regulations in order to jump-start their private sectors, according to Neil Gregory, director of global indicators and analysis at the World Bank.
Although the credit card dept is rising.the economies most affected by the financial crisis especially in Eastern Europe have been targeting regulatory reforms over the past year to make it easier for small and medium-size enterprises to recover and to create jobs," Gregory said.
About one third of the 30 countries that had shown the most progress were in Africa, and the pace of reforms was also picking up more generally in developing and emerging economies.
The World Bank found that two thirds of developing countries had made improvements in the research period, which ran from June 2009 to May 2010, compared with just one third making progress six years ago.
The study evaluated the regulations that companies confront in their daily business dealings. It found that 117 countries made a total of 216 reforms that made it easier for people to open businesses, improve transparency, strengthen private ownership and improve efficiency in the judicial system.
Despite the improvements, the World Bank found that businesses still have it easiest in rich countries that make up the Organization for Economic Cooperation and Development (OECD).
The regulatory climate is toughest for companies in countries in sub-Saharan Africa and south Asia.
Related Search Terms:
New World Bank Survey
New Business Creation
Financial Crisis
Business and bureaucracy
Snipping off the shackles
China, Indonesia, Malaysia, Philippines, Thailand, and Vietnam can simultaneously stabilize their greenhouse gas emissions by 2025 without compromising growth through additional fiscal investment in renewable energy and energy efficiency, the bank said in a new report.
According to World Bank ,the global financial crisis of the past two years had also pushed some countries to free up business regulations in order to jump-start their private sectors, according to Neil Gregory, director of global indicators and analysis at the World Bank.
Although the credit card dept is rising.the economies most affected by the financial crisis especially in Eastern Europe have been targeting regulatory reforms over the past year to make it easier for small and medium-size enterprises to recover and to create jobs," Gregory said.
About one third of the 30 countries that had shown the most progress were in Africa, and the pace of reforms was also picking up more generally in developing and emerging economies.
The World Bank found that two thirds of developing countries had made improvements in the research period, which ran from June 2009 to May 2010, compared with just one third making progress six years ago.
The study evaluated the regulations that companies confront in their daily business dealings. It found that 117 countries made a total of 216 reforms that made it easier for people to open businesses, improve transparency, strengthen private ownership and improve efficiency in the judicial system.
Despite the improvements, the World Bank found that businesses still have it easiest in rich countries that make up the Organization for Economic Cooperation and Development (OECD).
The regulatory climate is toughest for companies in countries in sub-Saharan Africa and south Asia.
Related Search Terms:
New World Bank Survey
New Business Creation
Financial Crisis
Business and bureaucracy
Snipping off the shackles
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