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 Credit Card Thread V7, Everything about the world of plastic

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vin_ann
post Aug 15 2009, 04:50 PM

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QUOTE(MilesAndMore @ Aug 15 2009, 02:20 PM)
HSBC Amanah credit card will give you cash back. For HSBC Amanah VISA Gold, you will get 0.5% cash back for every Ringgit spent, be it locally or overseas. As for HSBC Amanah VISA Platinum, you will get 0.5% cash back for retail transaction locally and 1% cash back for overseas spending.

HSBC credit card on the other hand, is all point based. Most promotions (discount or double/triple points) you see on their website or newspaper are only available to HSBC issued credit card. This is the reason why i did not activate my HSBC Amanah Gold VISA. It's been more than 8 months now since i got the HSBC Amanah VISA Gold, believe it's now closed.
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based on my friend's experience, his HSBC amanah unable to swipe in the pub.
vin_ann
post Aug 15 2009, 10:05 PM

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QUOTE(MilesAndMore @ Aug 15 2009, 08:29 PM)
Actually it will be given to you free of charge. But if you accidentally break it, then they will charge you RM50 for replacement. If you request for a security device replacement due to low battery, then they won't charge you a cent.

Even though HSBC Amanah is the wholly-owned subsidiary of HSBC, they are actually separate entities. You can still apply for a conventional credit card from HSBC.

By the way, i applied for two HSBC credit cards last week. This time i'm no longer a supplementary cardholder  brows.gif  Received a call from HSBC yesterday and was told that my HSBC credit cards been approved. Should receive the cards next week. Now that is fast  rclxms.gif
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agreed with u.

my 2 years plus hsbc security device still working fine. no need worry about low battery.

vin_ann
post Aug 16 2009, 10:10 AM

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[quote=MilesAndMore,Aug 16 2009, 12:15 AM]
Hmm ... that's disturbing ... I will try and give you guys an update.
[/quote]
Tried. At first i clicked the security device 4 times to get 4 different sets of number and then wrote each down. After that i tried to use the "fourth number" at first but failed. I tried again once, this time with the "second number" instead. Again failed. Since i already failed twice, i did not dare to try it for the third time as i afraid they might temporary disable my online account. So during the third attempt, i login like usual. Enter my username, then my password and lastly, i click the security device to get a number and enter it. Successfully login this time.

So the conclusion is that, you cannot use numbers that were used before. You also cannot generate several numbers through the security device, write them down and use it later/next time because their system do not accept it. I do not know how the hell HSBC make it but i'm impressed !!!! rclxms.gif
You need to apply for Internet banking facility in order to get the security device. It's requirement for HSBC Internet banking.[/quote]
True. There will be some forms you need to sign. Unlike most banks, where you can simply apply for online banking through ATM machine. This is impossible with HSBC. Should you wish to use HSBC internet banking, you must apply for it at one of their branch.
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[/quote]


why do u wan to do that?

just press the security device when u reach at the section.

u want to strike the lotery number? laugh.gif
vin_ann
post Aug 16 2009, 01:36 PM

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QUOTE(krazee350 @ Aug 16 2009, 12:56 PM)
I have 12 credit cards which 7 of it had been cancelled..

Reason: To try out their services and privileges. Plus, I am a card collector. Maybe it is not a good thing to do but I need to finalized it to the best four. biggrin.gif
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so which card are ur best four?
vin_ann
post Aug 19 2009, 12:15 PM

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QUOTE(zenquix @ Aug 19 2009, 08:08 AM)
the usual withdrawal fee for PLUS and CIRRUS networks are RM10-12 from some googling i did.
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for HSBC ATM card, which have PLUS and CIRRUS sign, if u withdraw from oversea HSBC branch, per withdrawal only charge RM5.


vin_ann
post Aug 20 2009, 11:42 PM

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QUOTE(shockk @ Aug 20 2009, 01:44 AM)
I just received my GSC-Eon Bank card. biggrin.gif
Kind of surprised as the bank officer asked me to apply when I did not really want to since my application for a normal Eon card late last year was rejected.
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oh..my recently application to Eon-GSC card was rejected bcoz of un-fulfil document required.
see whether they will send me the GSC-Eon card o not...
haha

QUOTE(Reventon @ Aug 20 2009, 10:34 PM)
Everyone beware of latest scam, which claim call from Ambank regarding pending transaction of RMxxxx amount from +60321788888 , which is totally same number as AMbank customer services number. I have missed the call and they actually leave a voice mail sounds like this.
" You have a pending transaction of RM 3,812 , Please press 1 to approve the transaction, if you need any help from operators press 9. "

The fishy part of this is the calling number itself, everyone watch out. I believe this is to get our CVV code and some confidential information of our current card.

** By the way i dont have AMbank Credit Card doh.gif
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Thanks for reminding.

Btw, few days ago, after 6pm, i received a call from Standard Chartered Bank (no worry, this 1 not scam) who offering me Standard Chartered Gold card. btw, he got my number from Standard Chartered KL marathon event! blooody bad event organised! so im going to pijak him!

he keep promote SC gold card how great like 0.5% cash rebate on all purchase, and also rebates on insurance premium! i throw my Direct Assess which give 2% cash rebate on petrol and also OCBC who gives cash rebate on GE insurance...

he just say thank you and hang up. haha
vin_ann
post Aug 23 2009, 02:24 PM

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QUOTE(Optiplex330 @ Aug 23 2009, 11:12 AM)
Not when I first bought my Dell in 1999. That was the time I cut mine in half.
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bro, time change...

last time no, doesnt mean now also no.

last time no, this time Yes. laugh.gif
vin_ann
post Aug 24 2009, 09:52 PM

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QUOTE(cute_boboi @ Aug 24 2009, 04:52 PM)
If delivery by mail, should be within 1 week.  smile.gif

winner is not going to be very happy  sweat.gif  Refer post #2011 here
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mine 1 are already 2 weeks...

now dun care already... dun want go entertainment MBB...
vin_ann
post Aug 25 2009, 05:42 PM

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QUOTE(ronnie @ Aug 25 2009, 04:42 PM)
Let me go home and check my bill wink.gif
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same here.

thought shd have point.

vin_ann
post Aug 27 2009, 04:46 PM

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QUOTE(Gen-X @ Aug 26 2009, 07:23 PM)
Do you know that youll be charged a fee upon withdrawal of cash with your CC and then you'll be charged interest daily until you settle the withdrawal amount together with the interest charges. Better you go find another altenative...... maybe to the extend of selling off your car or changing to kancil.
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agreed.

cash advanced per withdrawal cost RM50 for RM1,000.

vin_ann
post Aug 27 2009, 05:52 PM

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QUOTE(Reagan @ Aug 27 2009, 04:55 PM)
QUOTE(Gen-X @ Aug 26 2009, 07:23 PM)
Do you know that youll be charged a fee upon withdrawal of cash with your CC and then you'll be charged interest daily until you settle the withdrawal amount together with the interest charges. Better you go find another altenative...... maybe to the extend of selling off your car or changing to kancil.
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agreed.

cash advanced per withdrawal cost RM50 for RM1,000.
______________________________________________________________
Hi, new here.
interested to know more bout cash advanced withdrawal. Do they still charge if they inform that now we may enjoy the cash advanced withdrawal & pay it back as 0% interest installment plan??
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no way bro.

it's only applicable for retail purchase, and its also depending on the participating bank and merchant.

there are too many Terms n conditions tht you need to aware of it.

vin_ann
post Aug 27 2009, 10:31 PM

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Dear all DA card user

please take note, petrol ROM 97 will be revised to RM2.00 on 12.00am 1st Sept 09. (asked BHP petrol station staff yesterday)

so forget about 5% cash rebate, pump full tank of ur last cheap RM1.80 RON97 before 1st Sept 09.

thanks you.
vin_ann
post Aug 27 2009, 11:17 PM

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QUOTE(ronnie @ Aug 27 2009, 11:08 PM)
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 ?
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tht's good.

Happy Birthday to you Bro.

u got any special treatment received from CC for ur birthday? icon_rolleyes.gif
vin_ann
post Aug 28 2009, 04:19 PM

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todau just collected my MBB CC and just now got the AIG ppl calling and offering the insurance!

sweat.gif
vin_ann
post Aug 30 2009, 10:18 AM

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QUOTE(MilesAndMore @ Aug 29 2009, 01:46 AM)
Not that i know what is RON92 or RON95 but certain SHELL stations i frequent have 2 choices of unleaded petrols now. One with the green handle and another one with yellow handle. The red one's gone.
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V-power is blue 1 right?


btw, im just notice, just now login to Maybank2u and pay my bills, i notice M2U now can use credit card to pay bills instead of from saving account.

Too bad, only for credit card Visa ( i dun have MBB Master card - so cant tell) can choice from.

now, got more reason to use M2U and credit card to pay bill online... more points!!!

Too bad again, no AMEX...
vin_ann
post Aug 30 2009, 03:55 PM

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QUOTE(MilesAndMore @ Aug 30 2009, 03:22 PM)
I don't know. Because i do not pump at ESSO/Mobil  sweat.gif
It's been a while since M2U accept bill payment using either Maybank credit card or credit card(s) issued by other local banks (foreign banks such as SCB, Citi, HSBC, UOB & OCBC all included). I've been helping my mom to pay Jabatan Air Sabah bill since June 2008 and Sabah Electricity (SESB) bill since March this year.

By the way, you can only add up to 4 different credit cards into your M2U account. It will need to be verified by Maybank first before you can start using it to pay for bills that do accept credit card via M2U.
For TM you can only use VISA.
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no..

i was meaning using M2U and pay bills (other bank credit card bills) but bill like TNB, Telekom...

last time, M2U did not offer pay bills using credit card. now they have this features.

u can opt to pay bills via ur saving account or credit card (MBB's CC)


anyways, btw Any 1 got visited the CIMB Perfect Living??

no 1 mentioned about CIMB perfect living while MBB Treatfair every 1 is mentioned about it.

CIMB really got nothing tht special compared to MBB?

vin_ann
post Aug 31 2009, 10:58 AM

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QUOTE(MilesAndMore @ Aug 30 2009, 05:11 PM)

Yes. Exactly what i meant earlier. Just that in Sabah, TNB is known as SESB (Sabah Electricity Sdn Bhd) while Indah Water is known as Jabatan Air Sabah. Both accept credit card payment over M2U. I've been using my mom's CIMB Bank Mastercard to pay for those bills via her M2U account since last year.
Sabah Electricity only started to accept credit card payment over M2U since February or March this year. As for Jabatan Air Sabah and Telekom Malaysia Berhad, they have started accepting credit card (as well as other banks' credit card) since last year.

However, Telekom Malaysia Berhad accepts only VISA over M2U  sad.gif  Luckilly there is still TM ONLINE  tongue.gif

By the way, for our TM bill, we should choose Telekom Malaysia Berhad instead of TM Net Berhad on M2U or any other banks' online banking portal.
Yes. You can.

[attachmentid=1167433]
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now im noted.

not all bills are accepting credit card payment over M2U.

im trying to pay my house 'indah water" bill and found there are no choice for me to pay with CC.

Sigh...
vin_ann
post Sep 2 2009, 11:13 PM

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QUOTE(hye @ Sep 2 2009, 10:17 PM)
Err ... don't you think you are holding way too many cards from a particular bank already ? And why do you want to add on ? (unless you are a collector)
Coming back to your question, MBB will allow you to add on with you needing to cancel the existing card.
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ya.

now my MBB got 3 cards.

i never thought of MBB will approve it.

but 3 cards share 1 credit limit.


vin_ann
post Sep 7 2009, 01:32 PM

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for public bank,

the last time im using public bank online inter-bank transfer is charging RM2 per transaction.


vin_ann
post Sep 9 2009, 08:46 PM

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@viqq

have you try to borrow money from ur relatives?

relative's loan is interest free, no charge, no installment and only pay when you have money. doh.gif

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