i dun geddit
even interest goes down why is there a need to immediately trf out the money?
if didnt trf by X date means ur money will get lock down or what???
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The call centre wants to sleep. And sleep early somemore. Goes to bed at 8pm.
Doing this sents me jitters.
1030am leh. Dunno what time zone they in
Can ask for $1000 denom. If don't have $100 denom....
so, lugged 1 bag of $10 notes to next door "YNWA" bank. [j/k]
actually, it drop a little, like $5?
30/11/2019 BONUS INTEREST EARNED 4908 SGD 83.95
30/11/2019 INTEREST EARNED 4900 SGD 83.29
31/10/2019 BONUS INTEREST EARNED 4908 SGD 80.09
31/10/2019 INTEREST EARNED 4900 SGD 90.78
Then, in the evening, I used their Mobile app to withdraw $100 000 (the maximum allowed) to a Standard Chartered account. I selected the FAST transfer option, however, unbeknownst to me, Citibank changed it to a GIRO mode of transfer which will take a few days.
actually, it drop a little, like $5?
30/11/2019 BONUS INTEREST EARNED 4908 SGD 83.95
30/11/2019 INTEREST EARNED 4900 SGD 83.29
31/10/2019 BONUS INTEREST EARNED 4908 SGD 80.09
31/10/2019 INTEREST EARNED 4900 SGD 90.78
i think it's because they cut from 80% to 70% of SIBOR for october. then dec onwards cut to 50% SIBOR
The call centre wants to sleep. And sleep early somemore. Goes to bed at 8pm.
Doing this sents me jitters.
bye...i have transfer all out... the live chat agent told me i got $2.38 interest for these 2 days( 1 & 2 dec) to be credit by end dec.
Live agent reply : If we close the account now, no service fee will be billed however this S$ 2.38 will be absorbed by the bank and will be donated to charity.
My reply: why absorb by bank and donate to charity?
Live agent reply: We are merely advising you of what may happen if you keep the account open with no average daily balance in the account while waiting for the unposted interest to post. It is up to you to decide if you wish to close the account right now or keep it for December.
WTF... if i never maintain $15k till end dec ..this interest $2.38 will be donated to charity lol... think i heck care liao...
there's still the interest from 70% SIBOR and step up bonus interest for november that you have not received. it will only be credited in end dec, if you keep the account open
so its better to transfer all in Jan?
by then, no more lapse, still got some petty interest too
Leave 15 bucks inside to get few hundreds in interest not worth it?Opportunity cost. Unless you nowhere to put the cash
Where got 1.2%?
Reset to step 6 because you withdraw money in Dec, it becomes 0.6%
Then apply new rate, slash to half = 0.3% nia
Base = $0 (balance less than 70k)
Bonus= $$150,000 x 0.3% x total day in nov 30/365 = $36.98
However you can workout the percentage as $36.98 out of that $15,000 remaining balance
Leave 15 bucks inside to get few hundreds in interest not worth it?
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