HSBC is big. Many customer service executives remember my name as well No. I'm not a Premier customer.

Suggest u get a FD secured card fr PBB. 100% approval

hi, I'd like to know how's the bank tariff & charges if I purchase item online in usd.
btw, i'm holding hsbc c/c. Different bank charge differently?

Till today, I still reckon I got the best customer service from Direct Access as compared to my other card company. Some don't work 24/7. So if you have problem with card late in the evening, there is nobody to assist you.

I love CIMB customer service...my call gets picked up in less than 3 rings...

against Maybank and Public Bank...terrible waiting time

Yap. And it is a real person talking to you, not some irritating answering machine asking you to push this or select that.

Hope to get Free MEndoza Back Pack hopefully.... hehehe

urm so which card suit me?? i wan something la the younique rebate card le.. can i apply CC online? but i dont know how. please teach me. last week i apply younique i went to alliance bank.

which page on the Star newspaper...cant find also...

Please do not go OT again. This is CC thread.


I did happen to post below in another thread today but since you asked, post here for your reference.

Date/Card/USD/RM Billed/Rate/EX Rate/Ratio

19 Dec/Amex/75/267.83/3.571066667/3.470762104/1.028899867
14 Jan/Amex/30/109.33/3.644333333/3.572562581/1.020089432
10 April/Amex/3128.74/11602.77/3.708448129/3.607688457/1.02792915
1 May/UOB/60/218.68 /3.644666667/3.560319931/1.023690774
18 April/UOB/48/177.67/3.701458333/3.627296141/1.020445585
1 June/HSBC/200/710.59/3.55295/3.472223573/1.023249202
9 July/Alliance/43.03/155.48/3.613293051/3.56400013/1.013830786

From above AMEX charge card admin fees for overseas transaction varies between 2%-2.8%
UOB 2%-2.3%, HSBC 2.3% and Alliance 1.38%. Above table does not represent actual charges as the currency may have fluactuated up or down from the day the charges were transacted.

As many said, Alliance do not charge admin fees but I guess Visa/MC admin fees itself is about 1%. If Amex reduce the admin charges to 2% instead of 2.5%, then it is competitive with other CC except Alliance.

This post has been edited by Gen-X: Jul 18 2009, 10:48 PM

Off topic.

sorry I'm still new in tariff charges.

that 2.3% from hsbc is included admin fees of 1%?
or it's 3.3% in total?

@zazaza2009
This is my last time warning you.
If you want to join a discussion, join in proper manner.
If I heard another complain against you......you're off LYN for good.

p/s: When only one person complains about another person, there might be some misunderstanding. But when "many" ppl complains about the said person, than obviously that said person is at the wrong end to "attract" so many complaints. SO go figure.

so sure one haa ??

may i know the minimum tenure & amount for their fixed deposit ?

Quoted from Public Bank website :
For Public Bank Fixed Deposit (FD) customers who opt to apply PB Credit Card secured by FD, the credit line assigned will be based on the FD Pledged amount at a ratio of 1:1. To apply, please personally submit your application at your FD account holding branch and bring along your FD certificate for verification and photostat copy of your NRIC (both sides).

Public Bank Credit Card

Do any of you guys know if CIMB Bank offers such thing too ?

This post has been edited by MilesAndMore: Jul 19 2009, 04:20 AM

Normally its minimum RM3K and 1 year duration but if you uplift your FD, the card will be cancelled.

In theory, YES subjected to e maximum limit of RM300K. However, have never tried before since its illogical for someone to have RM100K in FD but not being able to secure a CC. Generally most cards issued under this category are classic cards which are normally capped at RM10K normally

This post has been edited by tgeoklin: Jul 19 2009, 05:45 PM

Slightly different question.

Assuming you have a credit limit of RM10K. But for a certain purchase, you needed to spend RM30K on the card. So can you:

1. Paid into your credit card account RM20K and you can swipe RM30K on the card now?

I was told some overseas card do not allow that. What about Malaysia?

Possible with CIMB Bank Mastercard. Did this last year as i wanted the point Hit the credit limit in less than half month and quickly paid everything in full and deposited another RM6000 into the account.

An acquaintance of mine once mentioned that as the amount goes higher its no longer 1:1 but may be reduced to 3:1 instead however that was awhile back, so its suggested that you call the bank concerned to clarify as necessary.

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Added on July 19, 2009, 6:03 pmIn theory can but some banks like MBB do not allowed for some weird reason

This post has been edited by tgeoklin: Jul 19 2009, 06:03 PM