@mustang,
From what winner mentioned, yes that's right. The rebate is calculate in the denominations of the 100s.

Looks like I will need to do some planning when using this card so that I can maximise the benefits as I just get it like few days ago

Don't bother ... if you read through the earlier posts, you will find cards with far simpler system for cash back. I'll forgo HLB if I were you coz very calculative in the rebate.

Er, what is it for then?

I would say it is marketing bull-poo. I get conned as well.

Oh finally, now I feel PEACE!

tinker and vamp, I salute you! You guys really have the patience to entertain somebody who......you know what I mean.


No matter how well you plan it, the final rebate you get is still less than 1%. You should study the T&Cs carefully before you applied for it. But it's still not too late since you've just received it few days ago.

Bad card


Not really. In United States, there are many AMEX credit card issued by AMEX itself as well as AMEX credit card issued by Bank of America.


Actually there is only VISA Electron but no Mastercard Electron. There is however a debit Mastercard version.

This post has been edited by MilesAndMore: Jul 8 2009, 04:00 PM

Shopping lor!!~

Hey, I have had my Diners for decades & last I check, no one had ever refer to me as an Ah Beng

Btw, I just received my Delsey luggage from SCB today So any of you guys got yours yet?

He has been officially suspended for taunting.
So let's just ignore.

Continue discussion.
Happy posting

Ya, I think I want to terminate one if 2 cards really approve. Course I don't want to hold too many credit card.

@tgeoklin,
Er.. what promotion is that?! *smiles* Having fun with the new bag?! What size is it ah?!

@winner,
Yes! We'll haf some quiet for a while

@b00n,
U sent him on vakesyen for how long lah?

Guys go shopping?

guys cant shopping?

just now received SMS from 66555:

Come to a World of Privileges with HSBC credit cards at Midvalley City from 4Jul - 31 Aug 09. Stand to get 3X reward points, discounts & gifts. T&C apply.

Didn't know there are still such people in this age. Ever heard of metrosexual ?

Its cabin size plus a laptop bag. Got it from the recent promotion where you need to spend RM25K and above within 3 months or something. Not much fun but per SCB, the value is ard USD650, so syiok sendiri saja

Hi all,
I've a fraud case back in early 2008 with MBF card coz I lost my card without realising it, so I guess someone took the card and swipe extensively at all Petrol Kiosk in Puchong back then (in a day he/she might swipe up to RM700 splits into multiple transaction), till I receive a call from the bank stated I've outstanding bills only I got to find out the issue.

Immediately I filed for a police-report and appeal to the bank stated these are not my transaction, appeal went on and on and they still said its my responsibility to settle the amount as I didn't take care of my own card :-(, fine then, during my 3rd appeal, I received a court-case letter from the said bank, to avoid any troubles, I just made the full settlements.

I thought everything went fine, till recently I went to applied SCB Platinum, I'm meeting and actually exceeding their eligibility by quite a margin, and yet it failed stated I've a record at CTOS, last 2 days I made myself available and went to get my printout for both CTOS and CCRIS, I've perfect record for CCRIS, but this mentioned case is in CTOS, but has been closed and remark with "Debt fully settled".

Since my SCB application failed, I requesting a credit-limit increase on my current HLB Gold Visa, I'm just asking the limit to be increased from RM9500 to RM15000, yet it still failed and I requested for a reason, but CS told me they can't do anything, all the application is subject to the management approval or things like that...I can't believe it as I'm holding this card for close to 4.5 years, and nv ever has a late payment and all the time I'm settle the full amount.

Anything I could do? I've got myself both recent print-outs from CCRIS and CTOS...recently I've a transaction online and believe it or not, I need to transfer money to my HLB account to clear up the limit issue so that the new transaction can go thru successfully.

I'm looking for a replacement card for the HLB now and will nv ever turn back...

A recently court decision has ruled, in cases like yours, the limit is RM250. This is the law of Malaysia and override any contract the card company may impose on you.

Thanks for the head-up, but its back in 2008 and moreover i already settled the payment, what could I do now?

I am surprised that you were not given increase CL as you claimed you have been paying in full. How about you asking for upgrade to HLB Plat since you qualify for SCB Plat. Another option, write an email to HLB and let them know your dissapointment.

SCB is quite stringent, apply with other banks. Next time you go 1U and Midvalley, stop by the many credit card booths and apply for all, sure you get 1 card. If you have FD with a particular bank, try apply CC with that bank and state the account number their your easy reference.