Credit Card Thread V7, Everything about the world of plastic
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 Jul 22 2009, 08:31 PM
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Moderator
9,301 posts Joined: Mar 2008  
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QUOTE(Michael_G @ Jul 22 2009, 08:28 PM) u mean cimb petronas right??but i dun pump petronas LOL. if i apply this card mean got rebate = no rebate =/ can suggest any other card? if really no other choice den i try to apply the CIMB petronas since im not qualify to apply DA... HSBC Amanah also has cash back credit card. |
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Jul 22 2009, 09:02 PM
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All Stars
10,912 posts Joined: Feb 2006
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QUOTE(MilesAndMore @ Jul 22 2009, 05:28 PM) It is free for life without any string attached (no stupid minimum swipe). Loads of promotion year-round  I am however, will say goodbye to my supplementary CIMB Mastercard very soon as i get my own principle card from HSBC. Will apply for my own principle CIMB Mastercard using my HSBC credit card a year later  By the way guys, i just received a SMS from Maybank that i can redeem some stuff with my AMEX Green Charge Card Membership Rewards Points at Maybank Treats Fair this weekend  QUOTE(tinkerbel @ Jul 22 2009, 06:22 PM) @MilesAndMore, how come i never received any SMS 1?Yes that is right - I got that SMS too  I think it's just them promoting their TreatsFair |
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Jul 22 2009, 09:08 PM
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Junior Member
160 posts Joined: May 2009
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@MilesAndMore
tak boleh la. i not enough 24k  sad case. |
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Jul 22 2009, 09:26 PM
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Senior Member
3,218 posts Joined: Apr 2005
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QUOTE(Michael_G @ Jul 22 2009, 08:28 PM) thanks What station did you use normally?  u mean cimb petronas right??but i dun pump petronas LOL. if i apply this card mean got rebate = no rebate =/ can suggest any other card? if really no other choice den i try to apply the CIMB petronas since im not qualify to apply DA... http://1-million-dollar.blogspot.com/2009/...etrol-pump.html |
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Jul 22 2009, 10:35 PM
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Senior Member
7,496 posts Joined: Feb 2007
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for scb justone, did u guys call the CS to activate the card ? this is bcos one of my friend is able to use it without activating the card
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Jul 22 2009, 10:42 PM
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Senior Member
4,051 posts Joined: Jan 2003 From: 槟城 
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QUOTE(tinkerbel @ Jul 22 2009, 09:34 AM) @Shinichi, Er.. the SCB JustOne is out of your reach but the Amex Gold CC isn't? *hMm* now that's a bit weird.. the criterias for the JustOne is so high meh? *will go check it out later* QUOTE(winner @ Jul 22 2009, 02:23 PM) If you are qualified for Amex gold, you might be able to get SCB Just1 too, as the income requirements aren't far away. Amex Gold @36k/annum vs Just1 Titanium @40k/annum. Haha, it's kinda unreachable for me now. For MBB Amex Gold, I only meet bold-ed requirement below.Malaysians and expatriates with a minimum annual income of RM36,000 (Graduates RM30,000) This post has been edited by Shinichi: Jul 22 2009, 10:43 PM |
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Jul 22 2009, 11:11 PM
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Junior Member
176 posts Joined: Mar 2006
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hmm i just received my DA statement and it seemed that the hypermarket rebate will be deducted from your points... so the 'rebate' is just like you redeeming your points...
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Jul 22 2009, 11:16 PM
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Moderator
3,395 posts Joined: Dec 2007 From: 서울, South Korea
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QUOTE(DarReNz @ Jul 22 2009, 10:35 PM) for scb justone, did u guys call the CS to activate the card ? this is bcos one of my friend is able to use it without activating the card No need to call CS to activate the card. The card is ready for use immediately. That's why they are so particular about delivering the card to you ... can''t redirect the letter and only cardholder can pickup mail. (Yeah ... although blocking the card prior to cardholder call in 1st would be a good idea) |
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Jul 22 2009, 11:22 PM
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Senior Member
2,354 posts Joined: Feb 2005 From: Subang Jaya 
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QUOTE(zephyryu @ Jul 22 2009, 11:11 PM) hmm i just received my DA statement and it seemed that the hypermarket rebate will be deducted from your points... so the 'rebate' is just like you redeeming your points... Nope. It is not. You will get points after minus rebate for hypermarket. |
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Jul 22 2009, 11:23 PM
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Senior Member
4,051 posts Joined: Jan 2003 From: 槟城
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QUOTE(zephyryu @ Jul 22 2009, 11:11 PM) hmm i just received my DA statement and it seemed that the hypermarket rebate will be deducted from your points... so the 'rebate' is just like you redeeming your points... Its no good then... guess I should continue to archive DA Visa... |
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Jul 22 2009, 11:48 PM
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Junior Member
160 posts Joined: May 2009
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QUOTE(eddievh @ Jul 22 2009, 09:26 PM) shell station lor. but citibank i dunno i meet the requirement or not. den not convenient to pay la. everytime pay have to go to KL.. im staying near mid valley.. @.@ |
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Jul 23 2009, 12:30 AM
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Senior Member
4,897 posts Joined: Aug 2005
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QUOTE(alexwsk @ Jul 22 2009, 08:18 PM) @tinkerbel go there redeem watch for my mother.wah, both friday & sunday  i'll go tomolo afternoon, just wanna redeem voucher, cancel my MBB petronas and apply AMEX Added on July 22, 2009, 8:19 pm go for the auction ka  try to get the Kaka jersi as well  |
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Jul 23 2009, 01:56 AM
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Junior Member
40 posts Joined: May 2009
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I'm going to start working and i'm planning to get a CC. and i need some advices on these
1. most CC applications require a one month income slip, since I'll only begin to work in the mid of august and most likely the amount i'll get for august will be half of my salary, in this case, can i use that income slip for applying CC at the end of august? 2. i'll only use CC for some products which the prices are too high than i can afford (below rm3k-4k im sure), which CC has a most suitable interest for me that i might have to pay the debt for about less than a year coz i dont want to get high interest on that. 3. who set the minimum monthly payment? what does it mean of 5% of outstanding balance? |
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Jul 23 2009, 02:29 AM
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Elite
8,601 posts Joined: Jan 2003 From: KL
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QUOTE(groggysquirrel @ Jul 23 2009, 01:56 AM) I'm going to start working and i'm planning to get a CC. and i need some advices on these 1. Tough for you to get a CC with 1/2 pay. 1. most CC applications require a one month income slip, since I'll only begin to work in the mid of august and most likely the amount i'll get for august will be half of my salary, in this case, can i use that income slip for applying CC at the end of august? 2. i'll only use CC for some products which the prices are too high than i can afford (below rm3k-4k im sure), which CC has a most suitable interest for me that i might have to pay the debt for about less than a year coz i dont want to get high interest on that. 3. who set the minimum monthly payment? what does it mean of 5% of outstanding balance? 2. for your case, I would say better better to start saving for 6 months then only buy the RM3-4K stuff you want. Not wise to start praticing having debt the moment you start work. If you really want to buy something, better to get 0% installment plan but sometimes the price is higher compared to paying cash. For computer, harvey norman and get 0% interest installment plan. 3. Example, you charge RM1000 to the card, the minimum payment you need to pay is RM50 BUT you will be charged interest for the remaining RM950 at minimum stating from 13.5%, so better you pay in full what ever you charged to the card. Bro, I will advise you again, don't start having debt the moment you start work. Start saving money from your salary and after 1 year see how much you can save even before getting a CC. |
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Jul 23 2009, 04:05 AM
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Senior Member
1,248 posts Joined: Jul 2005
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during treatsfair the instant approval cc can use other cc to apply ?
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Jul 23 2009, 07:29 AM
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Junior Member
323 posts Joined: Sep 2008
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QUOTE(Michael_G @ Jul 22 2009, 07:24 PM) okie now i wan to apply other card edi. i plan to go for DA CIMB but then i dont meet the requirement le. or can you guys give me some suggestion for rebate card?? back to DA, what is my chances to get it? 1%? and i saw in the DA website can apply online, is it safe?? and do i miss out anything if i apply online? i also went to cimb bank today the man told me that the normal cimb also got rebate is that true? i check the web not rebate info also.. |
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Jul 23 2009, 07:57 AM
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Senior Member
3,102 posts Joined: May 2005 From: Penang *̡͌l̡*̡̡
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QUOTE(kneok @ Jul 23 2009, 07:29 AM) I applied for DA card and received the card in 5 days. Very fast. ya, DA with get very fast if you got proper document, i get mine in 3working day.  the worse i get is MBB CC, took me about 2 month  |
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Jul 23 2009, 08:49 AM
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Senior Member
543 posts Joined: Feb 2006  
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American Express® Gold Credit Card
hearing so many member talking about this AMEX gold CC, i go check, and yes, it has quite a good deal.. but anyway, i heard, AMEX is still not commonly accepted in malaysia.. is this true?? or only limited to AMEX charge card (because i have one charge card, got rejected few times..) petrol also accept like normal credit card?? |
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Jul 23 2009, 08:50 AM
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Junior Member
460 posts Joined: Jan 2009
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looks like we can get the credit card issued on the spot in Maybank Treat Fair, do we need to bring all the documents together, e.g pay slip, bank statement, etc.
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Jul 23 2009, 09:10 AM
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Senior Member
2,221 posts Joined: Apr 2008
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QUOTE(zephyryu @ Jul 22 2009, 11:11 PM) hmm i just received my DA statement and it seemed that the hypermarket rebate will be deducted from your points... so the 'rebate' is just like you redeeming your points... It's a BAD deal! Last time HLB also practised this. They deducted part of your points for cash rebate. Some other banks are more generous, they give rebates plus points (except petrol) on every dollar you have spent.QUOTE(Gen-X @ Jul 23 2009, 02:29 AM) Bro, I will advise you again, don't start having debt the moment you start work. Start saving money from your salary and after 1 year see how much you can save even before getting a CC. Your advice comes in time to somebody who hasn't started working but has already planned to have cc debt in exchange of luxury stuff beyond his means. QUOTE(WoodStock @ Jul 23 2009, 08:49 AM) American Express® Gold Credit Card Yes, it is still not broadly accepted nationwide and worldwide. Hope more merchants would accept it soon. Give it some time.hearing so many member talking about this AMEX gold CC, i go check, and yes, it has quite a good deal.. but anyway, i heard, AMEX is still not commonly accepted in malaysia.. is this true?? or only limited to AMEX charge card (because i have one charge card, got rejected few times..) petrol also accept like normal credit card?? |
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