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 Credit Card Thread V7, Everything about the world of plastic

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alexwsk
post Jul 28 2009, 11:40 AM

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@tinkerbel
hehe, just get it whenever u pass by a branch
so what are u going to do with ur AMEX Plat and 2 AMEX Gold biggrin.gif


Added on July 28, 2009, 11:43 am
QUOTE(pisang @ Jul 28 2009, 10:55 AM)
take note, for plaza premium lounge, onli first 200 plat customers got free entry.... start beginning of the month.
*
you mean 200 plat customers from all banks or SCB?

This post has been edited by alexwsk: Jul 28 2009, 11:43 AM
alexwsk
post Jul 28 2009, 01:54 PM

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QUOTE(winner @ Jul 28 2009, 01:34 PM)
Oh yes, talking about SCB Just1 cc, I'll completely finish up the RM600 rebate entitlement once I settle my hotel bills this weekend. I have no idea what cards to use next, as my Alliance isn't great enough (rebate for up to RM5000 purchase/month).
*
hehe, u are really fast
i'm only 2/3 there

but i think the next best cash rebate cc is indeed alliance, else go for AMEX Gold with 5X MR

This post has been edited by alexwsk: Jul 28 2009, 01:59 PM
alexwsk
post Jul 28 2009, 06:48 PM

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QUOTE(MilesAndMore @ Jul 28 2009, 05:45 PM)
Earlier on, someone said his/her Platinum credit card only has RM20,000 of credit line. If my memory serves me correctly, i think it's Preferred Platinum VISA/Mastercard from UOB Bank.
*
if not mistaken, DA plat min CL is around 23k
alexwsk
post Jul 29 2009, 09:53 AM

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QUOTE(winner @ Jul 28 2009, 11:34 PM)
It is because I thought it was only offered to its PB customers. I was never one of them, and I didn’t even have any accounts with them except Just1 cc!
Don't worry. Your day will come soon. smile.gif
*
hehe, sure they noticed ur annual income when u submitted ur application for just1 brows.gif
alexwsk
post Jul 29 2009, 11:33 AM

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QUOTE(winner @ Jul 29 2009, 10:39 AM)
It could be the other way round.  biggrin.gif
Since then, I received calls from SCB selling property refinance package and PL.
*
hehe, they'll always do that no matter what sweat.gif
alexwsk
post Jul 30 2009, 10:57 AM

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I think tgeoklin meant:
take your total gross annual income (x), then divide it by 3 (x/3)
take your total CL from all cc (y), not just the outstanding only (O/S?)

if x/3<y*0.1, then you are overexposed
alexwsk
post Jul 30 2009, 11:42 AM

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@tinkerbel
if your total income is more than your total cl, you can't be over exposed biggrin.gif
alexwsk
post Jul 30 2009, 11:54 AM

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@tinkerbel

wa, now u got me confuse rclxub.gif
anyway, time for lunch, no need to care bout that too much, at least not until u're going to apply for loans/new CC tongue.gif
alexwsk
post Jul 30 2009, 09:09 PM

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QUOTE(Lis000 @ Jul 30 2009, 08:07 PM)
I got mine within one week (on 27/07/09) from the sent date of the approval SMS (22/07/09).  2 days later (yesterday), they sent the cheque book.
*
i think i received the cheque book 1st biggrin.gif
alexwsk
post Aug 1 2009, 09:47 PM

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QUOTE(cannavaro @ Aug 1 2009, 08:24 PM)
I tried using paypass at KFC today, and as I half-expected after hearing similar stories in this thread, the cashier didn't know how to use it. She had to swipe, with the help of the manager somemore. laugh.gif
*
at least u can swipe, i went to KFC just now and they told me the machine is down doh.gif
alexwsk
post Aug 4 2009, 01:54 PM

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has anyone receive the cc applied during Treat Fair?


Added on August 4, 2009, 1:56 pm
QUOTE(winner @ Aug 4 2009, 01:09 PM)
An update on admin charge on forex for retail transaction in overseas. I used both SCB MC and Alliance MC to pay hotel bill on the same day in Middle East. I purposely split the bill into 2 so that I can monitor the disparity for purchase made on the same item and same day. To my surprise, SCB MC charged 3.7% higher than my Alliance MC for the conversion! Assuming Alliance didn't charge admin fee on currency conversion, SCB charged 3.7% for its admin fee. It's much higher than the 1% as indicated in its T&Cs. Fortunately I'll get reimbursement from my company.
*
hmm.gif , interesting
maybe BNM shud force them to indicate how they charge in the bill

This post has been edited by alexwsk: Aug 4 2009, 01:56 PM
alexwsk
post Aug 4 2009, 05:17 PM

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@tinkerbel
urs is SCB VI rite? no special number to call meh?
i'm still waiting for my card to get to my office unsure.gif

@winner
no wonder u can maximised ur rebate so fast laugh.gif

This post has been edited by alexwsk: Aug 4 2009, 05:18 PM
alexwsk
post Aug 5 2009, 11:58 AM

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QUOTE(he-sham @ Aug 5 2009, 11:18 AM)
currently i have issue with eonbank..... during last march or april pc fair, their cc agent approached me & persuaded me to apply for pavilion cc....i said i'm not interested since i already have matta...but he promised me to give separate limit..then ok la...applied with him...

when got the card, it's combined limit with my existing card...so i planned to cancel it straight away....but in the starter pack of the pavlion card that i received got one promotion leaflet about cash rebate using the pavilion card... for gold rm100 (for minimum rm300 spending) & platinum rm200 (for minimum rm500 spending)... so i decided to keep the card since it got the promotion...i checked the T&C, it mention only for newly approved eonbank pavilion credit card...so ok la.....i used the card the the required amount as mentioned in the leaflet for me to be eligible to get the cash rebate....i used it within the promotion period....but till now no cash rebate....i went to their card center for complain last monday....i bring together the leaflet & my statement...their customer service counter representative also not know about the promotion (which ended already)...her superior said its is because the promotion only valid for new to bank customer....i said it never mention in T&C plus they send the leaflet together with the starter pack of my pavilion card...if i'm not eligible to the promotion why sent me the leaflet together with the starter pack ?? i insisted to see their manager.....but their manager was having meeting all day...so they said will contact me later.....today they called me, saying the same thing....no cash rebate since i'm not new to bank customer....but they offered me a gift which is a document bag they claimed worth rm200.... i said i still not satisfy since i want cash rebate, not bag....then i said i will proceed to make a formal complain to consumer body..& then she said ok la ...

its getting interesting haaa...currently i'm in between jobs..so got nothing to do....wanna bash some inefficiency of banking services....give them a run for my money...only after settle this dispute, i'll cancel my card...haha....
*
rclxms.gif yeah, show them who's da boss
alexwsk
post Aug 5 2009, 10:36 PM

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QUOTE(ronnie @ Aug 5 2009, 09:25 PM)
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 ?
*
u applied for which card?
alexwsk
post Aug 6 2009, 10:40 AM

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QUOTE(WoodStock @ Aug 6 2009, 09:10 AM)
i applied for AMEX gold credit card during treat fair
but until now no news..
i called AMEX CS yesterday, she said my application is withdrawned with unknown reason..

sien.. where could i apply for this card again, wish to get it as soon as possible..
*
u can go to any maybank branch, or print out and fax/mail the application to them
alexwsk
post Aug 7 2009, 09:04 AM

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QUOTE(hye @ Aug 7 2009, 08:51 AM)
Yeah ... Saadiq Saver interest rates is so scary. I can't find where is JustOne interest rates, where did you find it ?
*
http://www.standardchartered.com.my/_docum...terest-rate.pdf
alexwsk
post Aug 7 2009, 10:01 AM

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QUOTE(winner @ Aug 7 2009, 09:57 AM)
If your information is correct, it is to assume that, SCB, indirectly, forces its Just1 customers to hold their current accounts. It is because Kajang is not in close proximity to other major towns of the Klang Valley, and its Kajang branch has a small customer base.
*
mine justone ca oso from kajang branch
but no worries la, when u don't want it, just transfered the money out to another account or withdraw using the all mighty scb justone cc until zero balance

then leave it for 7 yrs and it will auto closed


Added on August 7, 2009, 10:03 am
QUOTE(hye @ Aug 7 2009, 09:49 AM)
Update

The new JustOne interest rates are as per below (I believe it is updated on the 4th August 2009 as well)

JustOne  <2k     0.50%
   2K-50K    1.00%
   50K-100K    1.50%
   >100K    2.00%
*
oh yea, this is the latest, all drop by 0.38%

This post has been edited by alexwsk: Aug 7 2009, 10:04 AM
alexwsk
post Aug 7 2009, 10:17 AM

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QUOTE(winner @ Aug 7 2009, 10:12 AM)
OMG! The rate has been reduced! The rate is now similar to Alliance Hybrid Acc but it is STILL much higher than my HLB current acc.
The problem is I may need to get a new cheque book if I really wanna use SCB Just1 acc as my main current acc. Also, I have already put some money into the current acc. In future, can I withdraw all the money from the current acc making it "0" balance? If not, I have to go to its Kajang branch to close the acc and get the balance back.
*
yes, you shud be able to withdraw until ZERO as the account has no minimum balance requirement, and don't forget that it started with zero
can't they mail the cheque book to u? or collect at another branch?

as for closure, what hye said above is another method
alexwsk
post Aug 7 2009, 11:09 AM

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QUOTE(Putraskyline @ Aug 7 2009, 10:30 AM)
Is there any way to up my credit limit for new Amex Gold Credit card? I registered during treatsfair and they give only 1k credit limit. Totally ridiculous. I give CS a call and wait 1 week for the the process. Today they call and said application for credit limit rejects
(CS told me they don't know the reason). Today I know that CS told me its not combine limit with my Ikhwan card. Its really confusing. Which one is true? Combined or not?
*
it shud be combined, on the letter with the card on it, it mentioned Combined Credit Limit
mine limit is the same as mine MBB Petronas Gold

btw, do you need to sign and submit the upper portion of the letter back to MBB branch b4 u can use the card?
alexwsk
post Aug 7 2009, 11:27 AM

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QUOTE(Putraskyline @ Aug 7 2009, 11:18 AM)
Are you sure its combined? I call Amex CS and they told me its not, while during treatsfair, the personnel said its combined. I have sent those letter and I have use my card for petrol. My combined Credit limit stated at Amex Gold CC letter was Rm1k while Ikhwan Visa/Amex was 10x bigger. So thats mean I can use my new Amex gold till all 3 card reach combined limit of my Ikhwan? Why they stated only 1k at my Amex Gold CC?
*
hmm.gif , i was being told the limit is combined by the personnel during treats fair as well
and also few forummers here pointed out that it is combined

and my amex gold limit is also same with my mbb petronas gold

do u see the same limit from maybank2u for all your cards? or only the amex gold is different from the rest?


Added on August 7, 2009, 11:29 am
QUOTE(GHz @ Aug 7 2009, 11:24 AM)
NO, CL for Islamic & Conventional card cannot be combine because internally both of them are different entity. If you want higher CL for AMEX, you need to reduce CL for your Ikhwan, but the total should be similar to what you have now.
*
ic, so my mbb petronas is conventional (from MBB instead of MBB islamic), therefore shared the limit with AMEX

This post has been edited by alexwsk: Aug 7 2009, 11:29 AM

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