bro, time change...

last time no, doesnt mean now also no.

last time no, this time Yes.

But AMEX cannot cannot use for 0% installment plan

http://www1.ap.dell.com/content/topics/top...hs&~section=046

Both of these two stations also accept AMEX. Just that you need to swipe your AMEX at the cashier counter at all Petronas station. As for Shell, you can swipe your card directly at the petrol kiosk.



I prefer cash rebate too ! Cash rebate credit card is the most popular card in USA.


Couldn't agree more


Wow ! That was a long time ago. More and more merchants are starting to accept AMEX, thanks to Maybank i suppose


Certain Premier account holders do have huge risky debts And not to mention that certain people already convert their account to Premier/Citigold/Priority Banking when they only meet the minimum requirement with not much cash to spare. They join it because they want to be in the affluent crowd

I was also told that not all HSBC Premier customers have good credit score. Certain HSBC Premier customers only pay the minimum of their credit card bill most of the time, just like the majority of the mass banking crowds. And these are the people that you'd expect to settle their credit card bills in full every month. Surprise surprise

This post has been edited by MilesAndMore: Aug 23 2009, 05:16 PM

just wanna confirm here that hsbc doesnt have any visa wave cards rite?

may i know what if i cant settle min payment of my credit card for 2~3 months

says my 1st month min is 500+ , 2nd month 1.1~1.2k
3rd month i only able to settle 500~700 ...

how does bank count actualy ?

hope someone can enlighten me ...

@J'Daniel,
Interest rates will be applicable for the rest of the monies owing based on the tier you're currently on. As long as U pay the minimum payment, ur tier rate will not increase but U will definitely be paying quite a bit of interest.

If I remembered correctly, the answer is NO.

thanks for the reply ..

so if i can't even settle the total min payment , my interest tier will increase n there is also late payment charge ?

in that case, if my min is 1.2k and i only able to pay 500, does the 500 make any differences ?

for your min to hit 1.2k, your total outstanding in your card is more than 10k?
the 500 will reduce the interest payable but you will still have late payment + increase in tier + no interest free period

Dad has their VISA. 100% confirm no. None of their Mastercard range of credit cards have the Paypass feature either.

I think for foreign bank, only UOB is promoting Visa Wave. As for local banks, Maybank and EON are in this. Both are also offering cards with Paywave capability on top of Visa Wave.

For Mastercard Paypass, it'll be CIMB.

it will be late payment if the minimum amount is not reached? thus, affecting your credit ratings?


someone told me,as long as you paymonthly, you are allright

that is the reason why it's called minimum payment. if you pay the minimum payment promptly, your credit rating should not be affected. but this does not apply to partial of minimum

so your friend is correct IF you FULLY pay the minimum payment.



This post has been edited by zenquix: Aug 24 2009, 02:25 AM

just realize my scb visa business give me rebates 0.5% on any retail transaction (exclude peterol) & choice points at the same time...

Alliance give you up to 1.3+% cash back rebate (any transaction) on money spent up to RM5000. They also give me some points but I never get around to finding what are those points for.

BTW, between Platinum Mastercard and Visa from SCB, which is better?


This post has been edited by Optiplex330: Aug 24 2009, 07:01 AM

Alliance points are similar to other card rewards points i.e. can redeem for vouchers/stuffs. One major benefit of Alliance is that the is no admin fees on Alliance side and you will get 2X points for overseas transactions.

Should be about the same. The JustOne card was on Mastercard and the Platinum Business is on VISA. As already mentioned, new application for JustOne accounts are now suspended.

Applied Amex credit card on Aug 14, received on Aug 20 by Maybank. Currently is under process.

Hope to see it appears in my m2u soon.

..after 2 months and 2 days, my Amex Gold CC finally appears in M2U, plus RM2K additional CL for all my cards, with even my Ikhwan card also receiving additional RM2K...

huhh.. exhausted really

looking forward to receiving the card and utilising the free finance charge offer till year-end...

Wao two months, why they took so long? But at least they approve and plus additonal 2K credit limit, not bad at all.
So when they told you to collect the card?