Genting is a scary place when you lose money. I bump into a spirit at First World hotel after losing about 2k in a night at a normal casino (rm25, rm50, rm100 table).

Let's just stick back to CC discussion shall we?.....

Anyway, regarding plat Card "reflecting" status of a person; I guess it's personal perspective. I've known of som successful businessman only carries "Gold" in their wallet. Heck my boss rarely uses cards, most of the time is cash.

I'm still using one of my "classic" cards with a limit of RM9k and I only have 3 cards. Do I need more, I suppose I don't. The classic card is meant for my "standing instructions", and the other 2 gold cards are use alternately. It's all based on personal perspective.

i was about to mention this.

you right. it's pointless to have too many CC. going to cut down my CC to 3 also.

May I know why 3 since most all the time use only 1 card?

I have a sub-card and both primary and sub are use by 2 person.

I don't get the logic of having more than 1 card for single person, can anyone explain?

Tq.

This post has been edited by zazaza2009: Jul 7 2009, 02:06 PM

You can't do that if you deposit your cheque at the machine. It is stated clearly on the cheque deposit machine that do not bank in post dated cheques.

If I issue a cheque, I always put current date and ensure that there is enough fund in my current acc. In addition, I seldom pay via cheque nowadays as I experienced at times that the bank at the same branch (could be the working attitude of staff) took more than 5 working days to clear a local cheque.

This post has been edited by winner: Jul 7 2009, 02:05 PM

My classic card is like so many years ago and most of my standing nistruction goes into that card since before. Thus I still keep that card for that purpose.
And I uses 2 international banks - Citi and HSBC.
I uses HSBC a lot for internet payment as I like how they re-direct everything into their "secure payment" website, thus more comfortable with the security measure taken.
Normal purchases I alternate between Citi and HSBC but mostly HSBC as they have more "offers". RHB sometimes I uses also because of EPP plans.

So to sum it up, for swiping; in actual fact I can live with only HSBC. The other 2 is like a spare card for swiping. So yeah, theoretically only 1 card is enough for me.

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Added on July 7, 2009, 2:28 pm@tinker,
Most banks had rejected post dated check because it's too manual for processing. Unless it's a special case where the relationship manager would help keep the post dated check.

To sum up the operations, last time when post dated check is accepted; that means that this bundle of checks are to be stored somewhere in a specific cabinet. Than every day, someone have to go and check this cabinet for the day's check to be process. If someone overlooked; than that check would not be processed.

I believe a lot of banks are using that process like I mentioned above. Thus to minimize complains on checks not being processed, or checks went missing; a lot of banks had stopped post dated check processing.

This post has been edited by b00n: Jul 7 2009, 02:28 PM

@winner,
Uh.... I'd always post-dated my cheques for my Citibank bill payment; I used to mail the cheque off by mail but in the last few months, I would drop the cheque at the banks and thus far, no problems *shrugs*

I guess I'd been lucky but better not do it again *smiles*

@b00n,
I guess I'd just been lucky with Citibank then

This post has been edited by tinkerbel: Jul 7 2009, 02:31 PM

Anyone one of you guys ever go to Disco and Ah Long agents approach you to change 1k swipe of CC into RM950 cash?

It was discussed before here:
http://forum.lowyat.net/topic/796677 and here: http://forum.lowyat.net/topic/1014588

Different card come with different privileges. In case Card A cant go thru , we can use Card B as a backup. Does it logic enough to have more than one card ?

@Dozz,
That sure is logic coming from someone who's got 14 and counting

OMG, why got 14 cards? How to fit inside the wallet for a start? I remember a comedy film by Hong Kong Sam Hui, he got many credit cards to show off to his girl friend when paying for restaurant dinner. He has a card holder made of transparent plastic and is joined to form a long vertical wallet.

I seldom got card cannot go through problem. Sometime it is the merchant machine problem or OFF-LINE problem.

Make sure your card is not bent and not stored in magnetic area.


This post has been edited by zazaza2009: Jul 7 2009, 03:25 PM

@zazaza2009,
As mentioned, different cards for different needs and different purposes. Plus Dozz is a big time business man hence all banks are clammering to give him cards and in order not to upset anyone, he just takes whatever they give him and keep the cards at home

@Dozz,
Any comments

This post has been edited by tinkerbel: Jul 7 2009, 03:23 PM

When i go Singapore or Australia, i can choose to use the local card there in order to enjoy the benefits and save of conversion and whatever fees charge by bank for international transaction. Seldom encounter card cannot go thru problem doesn't mean you will never encounter this... what in case you are lack of cash and your CARD A doesn't go thru?

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Added on July 7, 2009, 3:35 pmI only keep 4 cards in my wallet, rest of them will 'sleep at home' . haha... And i always travel for free on business class, why? thanks for the credit card's points

This post has been edited by Dozz: Jul 7 2009, 03:35 PM

@Dozz,
Eh... speaking of which, I'm gonna need to do some research on using my Amex MR points conversion to Air Miles..... or has someone done it and want to share the research here?

I have approximately 400k MR points to-date so wanna know where that'll take me

My colleague also uses post-dated cheques for Citibank. I drop them at the cheque deposit machine for him every time. He post-dates them like 10 days in the future. Maybe Citibank is lenient, becos he tried with HSBC and they wouldn't allow it.

Mathematically speaking, that is not Ah Long.

Even if you go to bank to withdraw cash money using credit card, the bank will also charge you the same RM50 charges. So where got any difference?

@Dannyl,
Perhaps it's a bank policy *shrugs* Am glad someone does it besides me too and thus far, no problems still. Will report back here when Citibank finally calls me up to tell me off

@Optiplex330,
Act, it's pretty good business huh esp when one is desperate! Damn.. I should go hang out at Genting's more with this CC transaction thingy

This post has been edited by tinkerbel: Jul 7 2009, 04:03 PM

The HLB CC points are not evergreen and can be expired. Recent promotion is also a BIG cheat whereby your points will be automatically deducted to exchange for cash back for purchases.

Suppose to be free cash back, and users need to SMS to participate some more.

Damm, I *%#@ the HLB on the phone and said that this promotion is a fake promotion because it forces a point deduction to exchange for cash. He say nothing he can do and I asked for the manager, he say not avaialble, guess he went to hang himself.

However point is not very important to me, but the way the promotion cheated me and others is not appropriate. The terms and condition of the contest promotion is at least 4 pages with the smallest fonts printed.

This post has been edited by zazaza2009: Jul 7 2009, 04:10 PM

@zazaza2009,
Am not too sure about HLB cause I don't hold any of their cards but U should have indeed read the terms and conditions v carefully. There's no free lunch out there, remember