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renew credit card也要付government tax?
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如题,我用了Mbf card少说都十年了,就在上个月因到期,银行自动寄新的一张给我,这个月帐单来了竟然要给50块government tax还有200++的年费,跑去银行问,态度超不好说本来就要给50。请问是真的要付吗?我旧那张都不能用,其实根本就没增加信用卡,为什么还要给政府钱? |
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发表于 12-8-2014 01:34 AM
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Q1: What is the credit card service tax?
A1: In the 2010 Budget announcement, the Government proposed to impose an annual service tax of RM50 for all principal credit and charge cards, and RM25 for supplementary cards effective 1 January 2010. The objective of the credit card service tax is to promote prudent spending for all credit and charge card users.
Q2: When will I be charged?
A2: New cardholders from 1 January 2010 will be charged in their first monthly statement. For existing cardholders, the service tax will be charged on the anniversary of their Credit Card issuance date.
clear
Example 1: New card valid for 5 years
A new credit card is issued to a new cardholder on 9 March 2010 with a validity period of 5 years. The credit card service tax would be chargeable on 9 March 2010, as well as on the open dates of the card on every subsequent anniversary date, i.e., 9 March 2011, 9 March 2012, 9 March 2013 and 9 March 2014.
clear
Example 2: Existing card valid for 5 years
A credit card was assigned to an existing cardholder on 20 May 2009 with a validity of 5 years. The credit card service tax will be chargeable when the credit card is renewed on 20 May 2010, 20 May 2011, 20 May 2012 and 20 May 2013.
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发表于 12-8-2014 01:39 AM
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税是政府收的。政府规定发卡银行不可替持卡人还RM50。
我的银行平时会给我各种回扣。到该还政府税时,银行会在账单上列出RM50的税款,同时列出银行一年来给我的回扣总数(超过RM50)。意思是,银行换了一个方式替我还RM50了。
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发表于 12-8-2014 07:51 AM
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楼主刚从外国回来还是从来都没有检查过信用卡账单? |
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楼主 |
发表于 12-8-2014 11:18 AM
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二月时,我另一张卡才renew,但没征收50,为什么这张要呢? |
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发表于 14-8-2014 12:47 AM
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不同的发卡银行有不同的优惠政策。
有的要求你每月刷卡达某个金额,就替你还信用卡服务税。你可以拨电询问如何豁免信用卡服务税和年费。
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发表于 14-8-2014 12:47 AM
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我想你可能听过这类真人真事:
某甲的银行一向有豁免他的信用卡年费。
有一天,某甲接到账单时,竟然发现自己被征收RMXXX的年费。
于是,某甲致电银行,bla bla bla 骂一轮。
”别家银行都没有收钱,你们居然收我RMXXX。我把卡剪掉,以后都不用你们家的卡!“
然后,银行就豁免某甲的收费了。 |
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发表于 14-8-2014 08:30 AM
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chsi 发表于 14-8-2014 12:47 AM
我想你可能听过这类真人真事:
某甲的银行一向有豁免他的信用卡年费。
年费归年费。
这是政府税RM50。 |
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发表于 14-8-2014 08:32 AM
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福气又安康 发表于 12-8-2014 07:51 AM
楼主刚从外国回来还是从来都没有检查过信用卡账单?
LZ在火星住了几年,刚回来。 |
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发表于 14-8-2014 09:09 AM
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ai yoo....RM50都要吵么? 不爽可以cancel 嘛, 我们用cash更好 ! |
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楼主 |
发表于 14-8-2014 12:28 PM
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是咯,我打算剪了它,改用debit card,省麻烦 |
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发表于 14-8-2014 01:56 PM
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那RM50,每年都要給一次。
至於是那一個月份,看你的信用卡上valid thru的月份。 |
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发表于 15-8-2014 09:20 PM
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daniel79 发表于 14-8-2014 08:30 AM
年费归年费。
这是政府税RM50。
我在说金融公司的优惠政策。
我每年都有还信用卡服务税。楼主前几年不必还,是金融公司给你优惠。也许楼主现在也能争取吧!
我的信用卡公司每年给我大约RM100回扣。要不是这样,我早把卡剪了。
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发表于 15-8-2014 09:54 PM
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发表于 15-8-2014 10:16 PM
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新卡到手但还没activate,都没用到就寄来chargeRM50政府税了,何况是这种expired renew的卡。
他家的卡charge了我年费RM2XX,call去要waived,但说charge了不能全免。
@¥#%¥—%¥!最后硬要charge我25%。 |
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