That is exactly true. I experience it twice.

it's been a problems since KFC use CIMB paypass.

Now Tesco and Tesco Extra are equipped with Paypass terminal.

Guys, those merchants who direct the credit card surcharge to the customers instead of absorbing them, anywhere to report them? BTW, how much is the charges? 2%? 3%?

No way you can report them since they already inform you that you have to pay 2% or 3% surchage. If you don't agree,no way they can swap your card and once you agree,no other thing you can do already.

Cheers ~

I have submitted my Maybank CC replacement form, but it almost 2 weeks now, but I still do not receive any call from them...

How can one determine if his/her credit rating is under or over exposed.

Few weeks ago I dropped by BN and got my CCRIS report the reposrt did summarize my total credit with all banks.


Call CS and find out status.

Now Carrefour have the passpass terminal for so long, i din bother to use it...

and most of the cashier prefer the conventional type... signing !

since they want sign, just let it be!

Thanks for the info on paypass.


Any GSC EON BANK cc user here?
Just received mine yesterday and I couldn't get it to link to my GSC account.
I got an error msg saying 'Wrong IC Number. Please re-enter'. Called up EON Bank cs; according to them the problem is not from their end since my IC is correct in their system. The cs asked me to contact GSC instead. So I mailed GSC around 5PM and to my surprise their (GSC) cs called me about 45 mins later. Problem is still unresolved though as it was beyond their working hours and their techies weren't around. The cs promised to look into it tomorrow.

Congras... i thinks you would the 1st Eon GSC CC user!

btw, on other matter, just now i view my OCBC Great Eastern CC got cash rebate !

1st time OCBC gives cash rebate... any1 got heard about this?

FYI, i got auto debit for my monthly insurance premium with OCBC, is it the case?

All OCBC credit cards will now give rebates instead of point accumulation, just like Public Bank. The rebate system is really shabby, just like Public Bank too

@Gen-X,
When U want to take a loan from the bank they'll tell you you're over-exposed. I believe that's gonna happen to me too! My CC CL combined can probably buy a terrace house !

Carrefour is using Wave terminal right? Not Paypass.

Actually its pretty simple. As a rule of thumb, take your total gross annual income, divided by 3 and if that amount is less than 10% of your total Credit Exposure ie. not O/S only, then chances are you are screwed

---

Added on July 30, 2009, 7:21 amWelcome to the Club and good to know its not such a lonely world out there

* to everyone out there, its not really a good thing to have high high CLs unless you absolutely need it, otherwise later want to buy house. car etc will have trouble getting financing

This post has been edited by tgeoklin: Jul 30 2009, 07:21 AM

I have 6 cards & my total CL can buy half of terrace house. Luckily, when I apply for home loan early his year, it went through smoothly. I'm also quite worry at that time for not getting approval. It turn out that all 3 application from different banks were approved.

Actually I did ask the banks about this matter, HSBC & CIMB told me that not to worry as long as I have no outstanding balance or paid in full every months. But Maybank told me that there was a few cases where they rejected the application due to too many CC.

So I guess it really depend on individual banks policy.

Yes, it using Wave Terminal, but it can accept paypass. tried before with my CIMB Petronas, it works, btw, wonder the CIMB paypass logo is located at the back of the card, the cashier say it can't work when first time looking on the card's front.

thanks for replying but I still blur lah. I understand up to annual income divided by 3 then got lost in the 10% thingy and O/S. Nevermind lah, if I need to get loan next tme than only go understand it.

You very humble lah, I am sure your combined CL can get you a bungalow too at certain locations.

Back to CC, DA/CIMB got offer at Sunway Piramid this weekend and next. Spend RM200 free umbrella, spend RM400 Santa Barbara Bag spend RM600 Thermos flask. Ad in Ths Star can't remember page. Looks like DA got more offers recently.

@GHz,
hMm.. I've paid up my car + have alwiz paid up my CC bill in full before payment due date. Guess I shouldn't need to worry about reducing my CC CL's to RM1k then

@tgeoklin,


U mean more?!

@tinkerbel

Forgot to tell I still have to serve my car loan. So I guess you do not need to worry too much but remember when applying for home loan, try to get from more than 1 bank.

@Gen-X,
This CIMB/DA is for when U spend at any shops @ Sunway Pyramid?! hMm.. RM400 for a Santa Barbara bag; can't be a luggage bag since U need RM600 for a Thermos Flask. Anyways, I'm working throughout this weekend; need to keep eye on promoters @ PC Fair *sigh*

I too am lost at where U are so let's just wait for tgeoklin to come back to explain

OT: I'm looking for a job at the moment (in the areas of Marketing) - anyone who knows any lubang can PM me ah?!