I sent a cheque to pay one of my many credit cards, and the cheque arrived a couple of days late. Since the bank had a very good warning system, I got a SMS about late payment before I was fined. So, I have the opportunity to pay up, which I did.
Today - I got a phone call from the same bank. The sweet voice asked me if I would like to transfer cash from my credit card account to my bank account - at a very low rate of 0.75% per month. Or was I interested in a card with higher limit? How about refinancing for another credit card - that's credit transfer.
Was it a coincidence? Or they noticed I made one payment a few days late? The mind boggles. And yeah, the late payment - it was for an amount of RM 50 only!
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