@vin_ann,
So as long as the merchant accepts Amex they don't really care if it's a Charge or CC

I was totally lost when you and Tinkerbel kept talking about this Miau Bank just now ...


Until i saw this. It's a tiger bank lah


Not true at all.


Not in Japan. Heck, not even in the US due to higher merchant fee imposed. But a friend told me a US co-branded credit card charge almost the the same merchant fee as AMEX but many retailers in USA do not not about this.

How different is Amex card and American Express card ? Amex is the short form of American Express


Not really. AMEX never had the market share that VISA and Mastercard are enjoying.

This post has been edited by MilesAndMore: Jul 9 2009, 01:30 PM

Tikerbel is right! Doesn't matter cc or charge. Eh tinkerbel, can you supp me with your mastercard ?

What you can do moving forward is whenever you applied for something, preempt the sales guy that you have this CTOS reports lodge against you and inform them that it's settled.

I understand your feelings but different banks got different policies in regards to underwriting a customer with CTOS records which they see it as bad credit worthiness. The problem with CTOS is they are just cut outs from the papers and didn't contain what the suit is all about, so banks dealing with mass consumer would need to have a blanket policies and rues which might not favour the consumers.

1) Tiger bank not nice lah. Should call it Rimau Bank or Miau Bank. But I personally call it Miau Bank for 5 years now. My sister start it first
2) Then what is the CL? I'm confuse now

This post has been edited by vampbreak: Jul 9 2009, 01:45 PM

Actually in the cases of most financial disputes, when transactions are entered into your account, its deemed as good enough proof that they are incurred by you as a general rule. As such, its actually up to you proof that such were not incurred by you and not the other way round. As I had said, unless you are familiar with how a civil case is conducted, very difficult to explain to you. That's the reason also why a lot of sure win cases ended up differently.

This post has been edited by tgeoklin: Jul 9 2009, 02:15 PM

Much lower than you stated. It is differ on individual case basis.

Delsey is a very good brand. Enjoy it.

Hey...isn't HLB considered a local bank?

Don't forget you need to pay an upfront handling fee.

@winner,
Yes HLB is local but what I mean is try at another local bank

@vampbreak,
Y are U going around asking people to supp cards to U?! Sure, marry me and give me RM10,000 p/month as allowance and I'll consider the request [er.. wait, on 2nd thoughts... I need to think about the marry me part]

Nope, strictly no handling fees. This not flexi-plan but pure BT

Because I cannot get one. Why think twice of marrying me ? I'm young, handsome, funny, romantic, logical, very intellectual, got style, smile, smart, laugh, kind, terror good looker, good conversationalists, have hobbies/interests and gentleman Since you are richer than me, you give me 10,000 p/month lah. Fair what. Person A provide handsome & beauty, person B provide money & wealth. Fair and square.

This post has been edited by vampbreak: Jul 9 2009, 03:35 PM

@vampbreak,
And what makes U think I don't have all, if not more of the qualities U mentioned about urself? Ur not v good at negotiation skills are U?!

If Visa can give U so many cards, I don't see Y u should be having issues getting a Mastercard. Not to mention, the one Centurion U carry is good enough !

I rather be married to that fella who just got his Visa Infinite approved . Alas, he doesn't want me

Now, back to CC please or Ur gonna have to take a vakesyen just like our new friend

This post has been edited by tinkerbel: Jul 9 2009, 03:36 PM

Are you SURE?

There is no such thing as a "free lunch".

See the attachment below, Item No. 5 of the T&Cs.




Attached File(s)
 CIMB_Balance_Transfer.pdf ( 219.41k ) Number of downloads: 12

Notice the difference http://www.cimbbank.com.my/pdf/CIMB%20Bala...20Transfer2.pdf ?

Anyway, it seems they have reduced to 6 months from 10 months since late last year

DA got insurance and education 0% for 10 months..I am fully utilising it to pay my money for my shares!!!

Applicable only to new cardmembers whose credit card account has been opened for less than 3 months.

Upfront handling fee is charged at 1.5%.... More cheap than personal loan...

You know the principle of money makes money.

It's a risky game. Make sure don't over-invest and you must reserve the fund to pay for shares in an acc, so that you will have enough fund to settle your debt after the 0% tenure.

oh. thanks.

As posted by winner at post 679, CIMB offer 0% interest for 6 months with 1.5% upfront handling fees. This is for new account only.

Public bank also offer competitive rates for BT.

6 months 1.5% upfront (same as CIMB)
12 months 2.5% upfront
24 months 5% upfront

click on my signature for info other Balance Transfer.

I am wondering those that get rejected by SCB Just One, did you receive the notification letter on your rejection?

My friends that applied, till now no news... Wonder were rejected or approved...I believe is rejected as no news but they didn't send any letter. It happened to me as well.