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 Credit Card Thread V7, Everything about the world of plastic

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vin_ann
post Sep 9 2009, 09:55 PM

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@ syd G

just giving best solution. i learned this from my tax lecturer. hehe

beside relatives, others like parent, brother, sister, friends etc etc... also falling the same category.

hehe
vin_ann
post Sep 10 2009, 10:43 PM

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QUOTE(tabs @ Sep 10 2009, 09:24 PM)
how want to ask something regrading cc..
if i ask agent to apply for me in citibank is it more faster and more easy to get it?

want to ask.. citibank got some many card which wan is more suitable le?

1) free life de.. got? don't wan pay extra
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some agents fast, some are worse! ! ! 1st my aunty's fren who is agent helped me applied, whose know after 2 weeks i check with citibank and found no application being submitted! vmad.gif bloody lazy agent!

then i lucky found out my friend's gf who works inside citibank helped me apply... 2 weeks can know result if im not wrong. that was 2-3 years ago...

QUOTE(tabs @ Sep 10 2009, 09:54 PM)
want to ask if i wan to cut off my citibank cc card.. what should i do?
can i cancel it after 1 year?
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eh, u apply card with the intention of want to cancel it?

u can ask this Q to ur agent! tht if u wish ur agent get his/her commission!

vin_ann
post Sep 11 2009, 06:25 PM

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QUOTE(nothingz @ Sep 11 2009, 09:45 AM)
i have the UOB ONE card, the most significant advantage of it is the 10% rebate at Sushi King (spending above RM50) & 2% rebate at BHP Petrol.  However this rebate is not in cash, it will be accumulated and you can only claim the rebate the next time you visit those stores
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it force u to spend more. best is set off against current balance. icon_rolleyes.gif

QUOTE(D@rren @ Sep 11 2009, 05:09 PM)
in this web page stated Vox card AF  http://www1.uob.com.my/webpages/p_cards_credit_vox.htm
is this new requirement?

NO Annual Fee

Enjoy annual fee waiver by just charging a minimum of RM50 per month, every year on your UOB VOX Card.

-  Admin fee of RM6 will be levied on month not fulfilled.
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this card is going to be FAIL...
vin_ann
post Sep 12 2009, 07:37 PM

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guys / gals

i want to relates this experience of my colleague using HSBC Amanah.

we were having lunch at Cap Square a German Restaurant which serves Pork and Beer.

my colleague using his HSBC Amanah CC to pay the bill and its cant get through.

and this is second time rejected. 1st time was when he was clubbing, also rejected.


vin_ann
post Sep 14 2009, 10:09 AM

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last weekend, im just paid USD 10% booking fee for the hostel in SG.

the exchange rate charged by the Citibank was 3.59, while the exchange rate on 4 Sept was 3.529 and 7 Sept was RM3.513 which im tracking on it.

btw, want to ask, if im using OCBC CC spend in the SG, will the exchange rate is lower compared to other bank?


vin_ann
post Sep 14 2009, 01:48 PM

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QUOTE(Optiplex330 @ Sep 14 2009, 10:40 AM)
That is funny....I called Alliance a few weeks ago and they told me they do not add the 1% charge.

Added on September 14, 2009, 10:47 am

Bank Negara record for 4-Sep was 3.5305. So your 3.529 was even cheaper. Truly excellent.

Bank Negara for 7-Sep was 3.5175. So your 3.513. Again, truly excellent.

While these rates are mere indicative, it is certainly food for thought and may be one reason why I might want to avoid AMEX.

BTW, your citibank is VISA?

If your OCBC is also VISA, then it should be the same. The conversions are done by VISA or MC, NOT the bank itself.
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which rate for bank negara are you using? mid rate? buying or selling?

the rate im quoting are from Reuters.

like now as at 1.43pm the USD:RM are at 3.5000

checking from Bank negara now, the selling rate is 3.5010
vin_ann
post Sep 15 2009, 10:36 AM

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QUOTE(joenjill @ Sep 15 2009, 09:24 AM)
anyone know which cc offer the best rate for cash advance? or the lower cash advance fees?
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there are no such CC...
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