Beware of Credit Card Charges

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I recently found out that there was  change in the way the credit card charges are made in Malaysia.

Take the following scenario:

The balance on your credit card is RM 5000.10.

You make your payment in cash so you pay RM 5000/-.  The bank considers that you have not paid your card in full and will charge you.    However, note that they will not charge you based on the 10 cents you did not pay but based on RM 5000.10.

That means you will have a very large service charge.  Apparently, this is done for all the banks.

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