W00t ... mine is 3 woh ... under exposed too .. weee ~

Wait till you buy house. Immediate !

Are Hong Leong's CC free for life without needing to swipe X times ?

my fren applied justone at puchong yesterday and they told him the cc application is on hold no longer accepting so he can't apply for it and disappointed

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Added on July 31, 2009, 7:01 pmhow do u add the car loan and house loan into the equation ?

This post has been edited by DarReNz: Jul 31 2009, 07:01 PM

Hong Leong's CC mention is free for life but behind put need to swipe 2 times per months ... KNn them but lucky I pump petrol using their card .. 1 months I pump petrol 2 times at petrol station so kao tim the condition

At the moment what bank offer quite attractive Balance Transfer program? Lazy to browse bank website,took a short cut ask sifu here.
Thanks.

Affin Bank!

2% one time charge only 6 months min transfer RM1000
4% one time charge only 12 months min transfer RM1000
5% one time charge only 18 months min transfer RM2000


http://www.affinbank.com.my/ccards/BTiPANFAQ.pdf

Don't know about the swipe X times thingy but I never paid any AF to HLB for many years as they have been waiving it.


CIMB is offering 0% for 6 months but not sure got any up front fees for new members.

PB 6 months 1.5% upfont for 6 months and 2.5% for 12 months.

Thought Affin's rate was 3% upfront for 12 months but I guess that was the old plan as hackqym posted different rate.

Alliance Bank called me yesterday offering 0.5% per month for life reducing balance and no penalty for early settlement but need to do BT RM10K I think.

HLB 0.5% per month for 6 months based on reducing balance but got penalty for early settlement.

Click on my signature below for more info on BT.

This post has been edited by Gen-X: Jul 31 2009, 11:11 PM

hMmm.. U people sure are scaring me with this over/under exposed thing! Mine's almost over exposed and I've no existing car or home loan with bank. With those two in place, die wok!

May be you should give up some of your credit cards or request to lower down your credit line

today i just collected my Maybank Petronas Visa card in the maybank branch, but i didnt get the pin number from them, is it i need to apply separately??

You worry too much lah. If really need to reduce credit limit no problem mah, follow tgeoklin where reduce the CL to RM1K and still can use the card to get discount


yah, MBB did not sent my pin number for both my MBB Petronas and AMEX CC. I register for online application for my AMEX CC during the Treats Fair (and got free pen & pencil ) where they gave me a temporary pin number so I can go to the ATM and set my pin number and then register for online account.

@MilesAndMore,
I have but the banks just refuse to let me cancel the CC.

@Gen-X,
Yeah I'll just keep it until I get into trouble with the banks

soryy gen X - i quite didnt understand ur reply.. in beginning u say MBB did not sent ur pin number for both ur MBB petronas and Amex cc..then u say u get temporary pin for ur AMEX CC.. hv u get the pin number for ur MBB petronas?

I had to apply (i.e. fill in a form) to get an temporary pin number. Only with this temporary pin number I could go to ATM machine and use my AMEX CARD. Since I did not apply online application for my MBB Petronas Card, I still don't have a pin number and I have had the MBB Petronas for about 2 months now. My M2U only shows my AMEX CC account.

Just call CS and you will know for sure.

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Added on August 1, 2009, 8:37 amHeadlines in Malaysiakini

HSBC callous in sacking call centre workers
Emily Chow | Jul 31, 09 12:15pm

Two-hundered and forty-one workers have been left stranded by HSBC's decision to shut down its local call-centre in Jalan Ampang

What the heck, soon I have to talk to a non-Malaysian CS rep if I call up HSBC.

This post has been edited by Gen-X: Aug 1 2009, 08:37 AM

just wanna remind all CIMB & DA mastercard holders: today is 1st of the month so you can get 5% rebate on petrol

also 5% rebate on spending at Tesco & Giant (pls correct me if i'm wrong)

Yah, thanks for reminding. DA MC 5% rebate on Petrol and DA Visa 5% rebate at TESCO and Giant.

omg HSBC closing call centre..no wonder that guy who call me that day voice so cheesy..maybe knew is going to be fired already LOL

What are you talking about ? Please elaborate further and provide some proof of where you got your information from. Your statement can cause unnecessary panic to HSBC customers.

HSBC M'sia is downsizing? That's definitely not a pleasant news. Oh, I should advise my family to take money out from the bank? I'm a bit "kiasu" type and I did the same to Citi end of last year.