pls stop gamble. i learnt a very hard lesson
Debt consolidation Plan
- Thread starter deadlockb
- Start date
- Status
No point telling him bro haha. He is this threads TOP gambler.. almost every week go cruise one
suspect ho kum poh is his clone. lol only ho kum poh talking and replying him only.
true that, honestly both of them are just deviating from the main purpose of this thread..
U really believe all these post? NPNT, say anything also can.
sneggg
Arch-Supremacy Member
- Joined
- Jun 12, 2005
- Messages
- 19,988
- Reaction score
- 308
suspect ho kum poh is his clone. lol only ho kum poh talking and replying him only.
these 2 really trollers lol
anyway just a gentle reminder to those who have their DCP approved recently. please do your due dilligence to check your previous credit card statements even after the credit balance is refunded.
for my side, citibank and OCBC continued to charge me outstanding interest and also late payment fee as i ASSUMED that there will be no charges after DCP payment to the credit card banks.....
in the end citibank just waived off the charges but OCBC gave me a hard time, still have to settle half of the interest occured.... bang table also no use....
for my side, citibank and OCBC continued to charge me outstanding interest and also late payment fee as i ASSUMED that there will be no charges after DCP payment to the credit card banks.....
in the end citibank just waived off the charges but OCBC gave me a hard time, still have to settle half of the interest occured.... bang table also no use....
YmanHarris
Junior Member
- Joined
- Feb 10, 2009
- Messages
- 23
- Reaction score
- 0
Can explain why the banks still charge you outstanding interest and late payment fee even after DCP has made payment of your outstanding balances ?
Oh, actually if you haven’t suspend the card yet, and there is still interest incurred from your last statement date, until the day you settled in full, then there will still be some outstanding interest there.
Example, if your credit card statement due is 15th every month, and your credit card got paid in full on the 30th, that means there was still 15 days between these 2 dates where interest was still charged on your credit card account.
On your next statement due date on 15th the next month, you’d still need to pay the interest incurred for the previous 15 days worth of interest.
Somehow, I managed to get all these waived for all my credit cards tho. I only couldn’t get waivers for my cashlines.
Example, if your credit card statement due is 15th every month, and your credit card got paid in full on the 30th, that means there was still 15 days between these 2 dates where interest was still charged on your credit card account.
On your next statement due date on 15th the next month, you’d still need to pay the interest incurred for the previous 15 days worth of interest.
Somehow, I managed to get all these waived for all my credit cards tho. I only couldn’t get waivers for my cashlines.
YmanHarris
Junior Member
- Joined
- Feb 10, 2009
- Messages
- 23
- Reaction score
- 0
Ok understood Jo...
Btw i talked to HSBC CSO yesterday with regards to my DCP and she said will be submitting the documents today. Fingers crossed...hehe
Awesome bro! Hope to hear good news!! If you see CBS report checked by HSBC tomorrow, you can call your CSO on Friday to check status. If not will Be Monday or Tuesday
Hi guys, here's my contribution, hope to brighten your day.
O/S: 51k
Monthly salary: 4.3k
Grade: HH
Score: 1715
I never submit NOA
My approval bank is UOB
05/01/18 CSO called me if I am interest in DCP plan, i guess they are doing marketing now, so I take up the application & submit all documents within the day.
06/01/18 Was informed by the CSO that I have missing documents, so I immediate email him the necessary. Plus he filled up application for me, what I need to do is just read & sign on it.
08/01/18 CSO called to confirm the application and reading the T&C like others do, told me will be informed the outcome in 3 to 5 working day.
23/01/18 It was quite a long wait tho, finally he called me to inform my application was approve.
**During the waiting period, he did keep me update that the application still pending due to their system down using his personal hp.
Specifically thanks to Jojo as his info very helpful.
O/S: 51k
Monthly salary: 4.3k
Grade: HH
Score: 1715
I never submit NOA
My approval bank is UOB
05/01/18 CSO called me if I am interest in DCP plan, i guess they are doing marketing now, so I take up the application & submit all documents within the day.
06/01/18 Was informed by the CSO that I have missing documents, so I immediate email him the necessary. Plus he filled up application for me, what I need to do is just read & sign on it.
08/01/18 CSO called to confirm the application and reading the T&C like others do, told me will be informed the outcome in 3 to 5 working day.
23/01/18 It was quite a long wait tho, finally he called me to inform my application was approve.
**During the waiting period, he did keep me update that the application still pending due to their system down using his personal hp.
Specifically thanks to Jojo as his info very helpful.
Whoah congrats bro!!!
Happy that you’ve managed to get your DCP approved!
Next steps now is to watch your bank accounts / credit card accounts / loan accounts for the disbursement’s, then immediately call up to say you settled in full and request for interest waivers for the last few months. Speak to them really nicely and they’ll be more willing to assist you, even if it means putting up requests to their management
I’m still waiting for my first statement to find out how much I need to pay next month. Haha
Happy that you’ve managed to get your DCP approved!
Next steps now is to watch your bank accounts / credit card accounts / loan accounts for the disbursement’s, then immediately call up to say you settled in full and request for interest waivers for the last few months. Speak to them really nicely and they’ll be more willing to assist you, even if it means putting up requests to their management
I’m still waiting for my first statement to find out how much I need to pay next month. Haha
Thanks Jojo,
Yaya, I am so excited to see my outstanding become one account.
Will do the necessary waiver request once I see the full settlement done.
Yaya, I am so excited to see my outstanding become one account.
Will do the necessary waiver request once I see the full settlement done.
Whoah congrats bro!!!
Happy that you’ve managed to get your DCP approved!
Next steps now is to watch your bank accounts / credit card accounts / loan accounts for the disbursement’s, then immediately call up to say you settled in full and request for interest waivers for the last few months. Speak to them really nicely and they’ll be more willing to assist you, even if it means putting up requests to their management
I’m still waiting for my first statement to find out how much I need to pay next month. Haha
I have a feeling or maybe an idea that maybe the 3 of them are money lenders that wanna try get business here lol.
what is BOC annual interest rate?
wow! 10 years 4.7% ? means total 47%? i read from boc web say 8.8% per year
- Status
Important Forum Advisory Note
This forum is moderated by volunteer moderators who will react only to members' feedback on posts. Moderators are not employees or representatives of HWZ Forums. Forum members and moderators are responsible for their own posts.
Please refer to our Community Guidelines and Standards and Terms and Conditions for more information.
