Congrats on yr new Macbook! I'm slightly green with envy.
Better to pay it off with cash if you have it. Better not to start having this debt positions.

Do any of you guys ever experienced a faulty chip with your credit card(s) ? My 15-month old CIMB Mastercard has recently gone dead and i am pretty sure it is due to faulty chip. The credit card processing terminal can't no longer detect the card. As far as i know, most banks are charging RM50 for every card replacement and according to CIMB, the first one is RM10 then subsequent replacement (includes misplaced or stolen) is RM50. Do i need to go to a nearest CIMB Bank branch to get a replacement or just by calling them up will do ? And is there a way to get them waived the card replacement fee ? Thanks in advance 

@Shinichi,
Btw are U aware of Citibank's new policy of reissuing new CCs?  Assuming you're a previous CC holder with them and cancelled your card, U will need to wait out a cooling period of 1 year before any new cards from Citibank will / can be approved.

Direct Access Mastercard
5% Petrol Rebate on the 1st of the month (1 July till 31 December 2009)
2% Petrol Rebate on other days of the month (1 July till 31 December 2009)

Direct Access Visa
5% Rebate at Tesco & Giant on the 1st of the month (1 July till 31 December 2009)
2% Rebate at Tesco & Giant on other days of the month (1 July till 31 December 2009)

Go to the following link:
http://www.directaccess.com.my/pdf/Visa%20...uper%20Card.pdf

Hi all,
Please refer to the attachment for the DA ....Thanks.

Lucky I just pumped petrol with my DA MC

any other card..apart from direct access that has free for life waiver?

Nonsense!

I have two CC from Maybank and one CC from Maybank Islamic.

I have using these 3 cards for months.

You're absolutely correct. The limit is seperated between Maybank CC and Maybank Islamic CC.

For Maybank AMEX Gold CC (new one), I believe the limit is going to be shared among other CC from Maybank (conventional) if you have any.

DA Visa 2% rebate
Spend RM200 will get you rebate of RM4
To note that you also be getting reward points. Assuming you redeem for Jaya Jusco RM100 voucher you need 20,000 points. That's equivalent to 0.5%.
AMEX Gold CC 5X MR
Spend RM200 gives you 1000MR points where you can redeem RM5 (200MR = RM1) or 2.5%
If you redeem for vouchers like Guardian, Dome, etc, then % will be higher by a little bit.

Therefore to answer your question, which is more worth, it is about the same and both also give auto AF waiver.
However, the pros of AMEX Gold CC vs DA Visa for groceries purchases as follows:

AMEX MR no expiry date whereas DA rewards points do have expiry date.
AMEX you can get 5X MR for groceries at more places whereas DA only at Giant & Tesco.
AMEX 5X MR not a promotion but DA 2% for groceries until year end unless they extend it.
AMEX do not charge courier fees for redemption whereas DA charges courier fee for vouchers.
Just to add AMEX you also get 5X for book purchases.

If comparing AMES Gold CC vs DA MC for 2% rebate then go for AMEX Gold CC as DA don't give you reward points for petrol transactions.

To add, SCB JustOne beats AMEX Gold CC and DA if you pump petrol and shop at TESCO/Giant on Fridays only

@Shinichi,
Er.. the SCB JustOne is out of your reach but the Amex Gold CC isn't? *hMm* now that's a bit weird.. the criterias for the JustOne is so high meh?

*will go check it out later*

If you are qualified for Amex gold, you might be able to get SCB Just1 too, as the income requirements aren't far away. Amex Gold @36k/annum vs Just1 Titanium @40k/annum.

hmm i just received my DA statement and it seemed that the hypermarket rebate will be deducted from your points... so the 'rebate' is just like you redeeming your points...

if it is debit card, it is your money, so no charge on the withdrawal. we don't call it cash advanced. yes should be similar to prepaid card but i don't see any prepaid visa card yet.

I think last year was in Penang.

Maybe the response is not that great. They move it back to KL this year.

Why you want to do that?

To save the mother nature?

Which bank you have? Maybank can opt for e-statement. Once subscribed to it, you'll no longer receive paper statement.

Not sure about others.

no need. just get maybank2u and login to mystatements.

Note: Upon acceptance of the Terms & Conditions, you will no longer be receiving your
          current, savings and credit card hardcopy statements. However, you will be able to
          view, print & download your statements online by using Maybank2u.com

IIRC, should be in PDF format.

the e-statement is saved in PDF.

For Citibank, they will send to you the e-statement via email, and of course, the PDF e-statement is protected by password.

the email got included how's the tips of password.

Electronic Statement Standard Password is:

for e-statement, im only use for Citibank.

tht y im giving citibank example.

MBB i did not opt for e-statement.

@Shinichi,
The free gift is really no big deal but I figured since I was there, Y not just go get it