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 Credit Card Thread V7, Everything about the world of plastic

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ronnie
post Jul 21 2009, 11:23 PM

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QUOTE(GHz @ Jul 21 2009, 10:49 PM)
The credit card yes but the charge card is only 3 years free.
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I'm interested in this one : user posted image
This is the FREE-for-Life, right ?

This post has been edited by ronnie: Jul 21 2009, 11:24 PM
ronnie
post Jul 23 2009, 09:45 AM

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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...
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Hmm....

You mean if you spend RM100 and the rebate is RM5 (5% rebate)...the points you get is 95, instead of 100points ?
ronnie
post Jul 23 2009, 10:22 AM

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QUOTE(WoodStock @ Jul 23 2009, 10:12 AM)
what does it mean by

0% Finance Charge from now till December 2009*

found in American Express® Gold Credit Card
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So can not pay the balance till end December 2009 any not charge any overdue interest...(which is normally 18% p.a.)
ronnie
post Jul 23 2009, 10:24 AM

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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. 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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1. You can use the letter of offer you received from your employer.

2. If you can't afford an item, DO NOT BUY it... you getting yourself in debt.

3. The banks will set the rate....

Conclusion: I don't think you are suitable to own a credit card yet.
ronnie
post Jul 23 2009, 11:20 AM

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QUOTE(tinkerbel @ Jul 23 2009, 10:59 AM)
@alexwsk,
U make it sound like I'm such a hardcore shopaholic.  Anyhow, I've a roadshow going on at MV this weekend and I'm on "duty" there this weekend hence I be there tomorrow & Sunday.  I probably be there on Saturday too but depends on what time I've to leave for Melaka.

I too am hoping to get my Amex applied on the spot at the TreatsFair biggrin.gif

Also, I just got my folks to check my home mailbox (I haven't been home for 2 nights now) since I'm awaiting for my SCB CC to arrive.  This morning, dad tells me we got this PosLaju letter telling us they came and no one was home *iSh* - now I have to go collect it from the Post Office or wait longer for the CC to be sent to me!! ##%& WTH was my maid when the postman came?! I'm upset now  vmad.gif

Speaking of which, assuming I'm able to ascertain the parcel is indeed from SCB, can I get SCB to collect the card back from Pos Malaysia & resend the parcel back to me to my office ah?!
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Call Pos Malaysia to resend to your office...
ronnie
post Jul 23 2009, 11:21 AM

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QUOTE(winner @ Jul 23 2009, 10:39 AM)
The points deducted in exchange of cash back could be MORE than you estimated. I am not sure about DA, but quite a big number of my previous HLB points were cut for this purpose. sad.gif
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Why would it deduct more points ?
ronnie
post Jul 23 2009, 12:29 PM

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QUOTE(cute_boboi @ Jul 23 2009, 11:54 AM)
The CC on PosLaju has been ding-dong for many years. Sometimes can allow other people to sign. Sometimes cannot. Then can. Then cannot. Then can. Latest I know is cannot.  rclxub.gif

Last I collect at PosLaju office, they need MyKad to verify it, before allow to sign. Remember bring the PosLaju missed-delivery slip also.

The weird thing is, I received MBB Amex Charge Card from PosLaju around Mar'09, and they allow my father to sign it.  rclxub.gif  Same to DA earlier this year.
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A. When they deliver to the stated address, ANYONE can sign it.
B. If you collect from PosLaju Center because they failed A., you need to go collect it (cannot authorise other people to go)
ronnie
post Jul 23 2009, 12:30 PM

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QUOTE(cute_boboi @ Jul 23 2009, 11:40 AM)
My latest Amex's Amex Gold Credit Card, PosLaju does not allow my father to sign it. Only owner with IC that match can sign it. So I suggest either personally go collect at PosLaju or redirect to office.
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My mom signed for my Petronas Visa card without issues... hmm.gif hmm.gif
ronnie
post Jul 23 2009, 03:33 PM

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Any reports for those who came back from MBB TreatsFair ?
ronnie
post Jul 23 2009, 10:31 PM

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QUOTE(Shinichi @ Jul 23 2009, 10:21 PM)
Is MBB TP fair only available in KL/Selangor area?
Did they ever have it in Penang or other states before?
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I guess other states doesn;t have enough CC holders.... maybe in the next few years it will happen in other states.
ronnie
post Jul 23 2009, 10:48 PM

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Do you think I can apply for 2 CCs at TreatsFair ?
- SonyCard Visa
- Amex Gold credit Card
ronnie
post Jul 24 2009, 10:56 AM

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QUOTE(feralee @ Jul 24 2009, 12:31 AM)
i just redeem casio watch for my mom
they say casio is doing promotion (discount) for this fair (most ppl redeem at this counter)  sweat.gif
this year not as crowded as last year

i apply sony card at 1330, till now didnt get the SMS also  laugh.gif
cool2.gif
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What freebies came with the SonyCard ? The new limited edition card comes with FREE-for-Life with no strings attached, right ?
ronnie
post Jul 26 2009, 05:34 PM

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QUOTE(cenkudu @ Jul 26 2009, 10:46 AM)
Thanks, so in the cheque we need to write pay to the <bank name> for <our name> and our credit card number at the back of cheque. sorry haven't had experience paying by cheque
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check what it says on your monthly statement..each bank have their own format.
ronnie
post Jul 26 2009, 05:35 PM

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QUOTE(bingozero @ Jul 26 2009, 04:50 PM)
Today I having kfc and baskin-robbins, both the terminal already down and cannot accept credit card vmad.gif  I think is screamyx problem  tongue.gif
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CC terminal link to Streamyx ah ? I thot it uses phone line only.
ronnie
post Jul 26 2009, 05:38 PM

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QUOTE(cenkudu @ Jul 26 2009, 07:48 AM)
Hi, I'm wondering whether we can pay credit card using cheque via cheque deposit machine.
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I always do that for CIMB and Alliance Bank
ronnie
post Jul 26 2009, 05:39 PM

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QUOTE(Gen-X @ Jul 26 2009, 08:33 AM)
Yes, I do that for all my cards. Citibank just drop in drive thru.
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Citibank doesn't have the machine to read/scan cheques, right ?
ronnie
post Jul 26 2009, 05:52 PM

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If you didn't collect the card at TreatsFair, they will send to you right ?
ronnie
post Jul 27 2009, 11:21 AM

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When you pay using Credit Cards, the merchant need to pay the bank 2-3% to the bank (who owns the CC machine)... that's how the bank makes money on credit card transactions.

Officially we, the consumers, do not need to bear such fees... but sadly no one complains to the merchant banks.
ronnie
post Jul 27 2009, 02:29 PM

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My M2U accounts shows 2 additional card which I applied during TreatsFair.

I applied for the SonyCard but stated as Visa only...hmmm

BTW..the credit limit is shared as you guys stated previously.
ronnie
post Jul 27 2009, 02:54 PM

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QUOTE(vampbreak @ Jul 27 2009, 02:36 PM)
Did this SonyCard come with the new design ( worldcup) or still the old gold one ? I really interested in getting one..
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I applied for the new limited design SonyCard...so they better give the new design to me...or else mad.gif mad.gif
I have asked them to send the card to my home. Not yet receive it.

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