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 Credit Card Thread V7, Everything about the world of plastic

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ronnie
post Jul 27 2009, 03:37 PM

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QUOTE(vampbreak @ Jul 27 2009, 03:05 PM)
Ya lor~ The new look much more cooler than previous one. I just need to confirm, some are saying the 10X are expired olredi but some said this will be permanent feature of the card ? Can someone confirm this ?  rclxub.gif
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As for me... I applied to keep the card smile.gif
ronnie
post Jul 27 2009, 04:31 PM

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QUOTE(tinkerbel @ Jul 27 2009, 04:22 PM)
@Aeon_Clock,
It's because Ur holding co-branded cards hence it's possible but otherwise Visa & MC has a policy in which U cannot hold 2 Visas from the bank; as in U cannot have Classic + Gold Visa.  Ur Gold Visa will override the Classic and that will subsequently be cancelled.  This applies to MC too but apparently it doesn't apply to Amex cause Amex Platinum CC holders have applied and received the Amex Gold CC biggrin.gif
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Hmm... so we can hold a AMEX Platinum Credit Card AND AMEX Gold Credit Card
ronnie
post Jul 28 2009, 09:54 AM

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I got a call from EON Bank offering me a FREE-for-life* Platinum card.

Which should I be choosing ?
user posted image
1. http://www.eonbank.com.my/consumer/creditc...rcard_fnb.shtml

user posted image
2. http://www.eonbank.com.my/consumer/creditc...matta_fnb.shtml

user posted image
3. http://www.eonbank.com.my/consumer/creditc...sc_cc_fnb.shtml

I love their FREE Entry to Plaza Premium Lounge
The GSC offers movie discounts... maybe can just use the FREE RM100 Bonus Value(BV)

*I read their terms that their Platinum Free-For-Life need to swipe 36 times in one year sad.gif

This post has been edited by ronnie: Jul 28 2009, 10:05 AM
ronnie
post Jul 28 2009, 10:22 AM

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QUOTE(Gen-X @ Jul 28 2009, 09:35 AM)
Anyway, Ad in The Star today for CIMB/DA CC (for arsenal easy reference, see Section 2 Pg T5):

Offer at MPH
29/7 to 2/8 - 15% discount on books and RM5 voucher for every RM90 purchase.
29/7-31/7 - additional 5% discount on books.

Offer at MPH outlets at 1U, Subang Parade and MV
Spend RM200 get Thermos Snack Jar & Spend RM400 get Santa Barbara Overnight Bag.
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Yippeee can buy cheaper books this week... at MPH stores I frequent hehehe rclxms.gif rclxms.gif to CIMB/DA
Does it mean 20% discount off book purchases if we purchase from 29-31 July 2009 ? icon_idea.gif

I have Thermos Snack Jar already as Supplementary freebie.
ronnie
post Jul 28 2009, 02:36 PM

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QUOTE(bingozero @ Jul 28 2009, 02:26 PM)
The Platinum card need to swap 3 times per month and 36 times in one year.
1st swap petrol, 2nd swap pay bill, 3rd swap etc.
You can do this in every month  tongue.gif
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That's the problem... I don't like to swipe to "earn" my FREE annual fee.
I guess I will cancel the card after utilising the RM100 BV (if it's the GSC card)

I'm collecting Free-For-Life CC (with no strings attached) : DA Platinum / Maybank Petronas / Amex Gold CC / SonyCard
I guess this EON card doesn't hit my mark.
ronnie
post Jul 30 2009, 04:56 PM

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Simplified equation

Total Annual Income (X)
----------------------------- = Exposure Ratio
Total Credit Limit (Y)

Exposure Ratio < 0.3 means Over-exposed (Bad)

Example

You earn RM150,000 a year and your total credit limit = RM100,000
150000/100000 = 1.5 (Well under exposed)

You earn RM36,000 a year and your total credit limit = RM150,000
36000/150000 = 0.24 (Over exposed)

This post has been edited by ronnie: Jul 30 2009, 05:04 PM
ronnie
post Jul 31 2009, 06:54 PM

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Are Hong Leong's CC free for life without needing to swipe X times ?
ronnie
post Aug 5 2009, 09:25 PM

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Finally, Today I received the MBB card I applied during TreatsFair (25 Jul) approx 1+ weeks.. not bad.

I wonder will Maybank send the gifts separately ?
ronnie
post Aug 6 2009, 05:43 AM

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QUOTE(alexwsk @ Aug 5 2009, 10:36 PM)
u applied for which card?
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Limited SonyCard Visa & Amex Gold Credit Card
ronnie
post Aug 20 2009, 10:20 PM

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QUOTE(Mozilla-Firefox @ Aug 20 2009, 05:53 PM)
I still dont understand the concept of credit card. about the payment. Does it mean if i pay my monthly bills on time i wont be charge of any interest?
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If you pay monthly minimum amount : you don't need to pay Late Payment Charge but you pay interest on remaining balance
If you pay full amount each month : No interest and no Late payment charge
ronnie
post Aug 21 2009, 02:08 PM

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QUOTE(bingozero @ Aug 21 2009, 08:48 AM)
CIMB announse a new CIMB Touch 'n Go Visa credit card.
It is free for life without any condition.
For more info click here
Is this card have Visa payWave?
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it's based on the lousy Zing card just like MBB
Reload fees are very high :-
RM100 reload - RM1.50 fee
RM200 reload - RM2.00 fee
RM300 reload - RM3.00 fee

I reload at ATM for only RM0.50 on any amount.
ronnie
post Aug 24 2009, 04:39 PM

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Have anyone paid online for purchases at SonyStyle Malaysia using their Maybank SonyCard ?
ronnie
post Aug 25 2009, 02:35 PM

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QUOTE(-Shinjiz- @ Aug 25 2009, 12:02 PM)
Guys, I would like to know something regarding to Direct Access. How's the cash back procedure works? Is it direct deduct from the amount or carry forward to deduct in next month (like Citibank Shell cc)?

Just to make sure, DA doesn't count any reward points right?

Thanks.
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Petrol rebate is deducted on the statement date.
Hypermarket and MPH rebate after 10th of the next month.

Shell-Citibank sucks by carry forward and deduct after accumulating RM20....
ronnie
post Aug 25 2009, 04:42 PM

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QUOTE(arsenal @ Aug 25 2009, 02:40 PM)
For hypermarket beside rebate, they also cut your points too...
*
Let me go home and check my bill wink.gif
ronnie
post Aug 27 2009, 11:08 PM

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QUOTE(arsenal @ Aug 25 2009, 02:40 PM)
For hypermarket beside rebate, they also cut your points too...
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Bonus Points Earned = 1992
Bonus Points Redeemed = 216
Nett Points Received (Bonus Points Earned - Bonus Points Redeemed) is correct based on the bill amount for the current month, which is 1772 in my case.

To me that doesn't cut my points.

@arsenal, did the Bonus Points Redeemed caused the mis-understanding ?
ronnie
post Aug 27 2009, 11:37 PM

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QUOTE(vin_ann @ Aug 27 2009, 11:17 PM)
tht's good.

Happy Birthday to you Bro.

u got any special treatment received from CC for ur birthday?  icon_rolleyes.gif
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thanks for the Birthday wishes.... nothing from DA. sad. sad.
ronnie
post Aug 27 2009, 11:41 PM

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QUOTE(arsenal @ Aug 27 2009, 11:27 PM)
Yes ronnie..I am wondering..Is that means that we dont get any points for hypermarket?
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I do get the points from hypermarket purchases (credited last month July) when it was billed to my credit card.
Still curious why they need to add points then deduct it back... confusing rclxub.gif shocking.gif
ronnie
post Aug 28 2009, 01:07 AM

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QUOTE(Shinichi @ Aug 27 2009, 11:47 PM)
Happy Birthday Ronnie! smile.gif

I guess by default their system will give point for every spending. But for current promotion since they are giving 2-5% rebate, they'll have "deduct" those points or else they will make loss...
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There's no deduction of points lah....
They increased the points earned and deduct the extra points, thus the nett is still equal to your actual spending for the month (RM1 = 1 Point)
ronnie
post Sep 4 2009, 12:43 PM

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American Express Gold Credit Card (The one from MBB with Free-for-life) gets TreatPoints or Membership Rewards points ?

I saw in M2U under Rewards Points they list my Amex Gold CC under TreatPoints... strange...
ronnie
post Sep 4 2009, 02:50 PM

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You can redeem Sony RM50 voucher at Sony Style outlets a lower TreatPoints for this weekend only. RM50 = 7,800 points (usually 8,500)
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