In all my years of using cc (including from DA), banks will always charge you the actual fuel purchase. Yes, they do charge more than you pump but once the merchant submit their claims, you will be charged the actual amount.

To prove my point, in your statement DA charge you RM50 or RM250 ? You can even update us once your online statement is updated with the actual transaction.

Bro ... you are talking about the wrong product in the wrong thread. You are talking about debit cards and this is credit cards ... please post your statements in the right place.

No lah vin_ann ... for petrol transaction it is the same treatment for both debit and credit card and this is has been the same system for many years. You don't notice it in credit card coz you are using the "bank's money". I don't think it is something to worry about coz if he says is true then what the guy is indicating that the bank is fraudelently charging its customers ? It is unlikely right coz ... if any of the banks here do that then BNM will get them faster then us reporting it. Bank loses customers ... etc. It is an unlikely scenario and customers need not worry ... period.

Probably the guy studies his CL too much and likely coz it is affecting his CL. This indicate a indication (theory only) that he don't pay in full every month that's why seems to be rather sensitive about the CL.

No offense to the guy who posted the post.

This post has been edited by hye: Jun 20 2009, 11:17 PM

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.

Oh yes ... that is what I mean actually. Use card for the purchase and then pay it off in full when the statement comes. Actually it is beneficial to use cash back cards for large purchases ... you actually get an "indirect" discount!

HSBC does not give automatic AF ... period. The agent or CS may tell you something else but if you noticed, it is not stated in B&W in their website. Means it is up to the bank's discreation. Honestly I don't think it is problem to get the AF waived if your payments are good and spend genereously. Some guys may say they are lazy to give the bank a call but what is a 5 mins call (about RM1.50 or less) which will save you at least RM80. (Depending on what care you hold)

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Added on June 21, 2009, 5:56 pmAnother way to look at it ... someone may get into a spending spree as put everything into ez payments.
So you'll end up spending into something you don't really need just spur of the moment. Like you said, it requires self discipline and if you don't have it then don't tempt yourself unnecessarily.

This post has been edited by hye: Jun 21 2009, 05:56 PM

Bro ... let me lay it down for you since you have (it seems) narrowed down your preferences.
1. AllianceBank younique
2. AllianceBank CashBack cards
3. SCB Titanium JustOne

* Note please check your income eligibility. My take is don't care about whether got auto AF waiver - when the time comes (if they charge you AF), call CS and inquire for waiver. If they don't want to give you, cancel card and then reapply again. There are enough cards out there in the market to compete with one another.

@Michael_G, applying for credit card is not rocket science and rejection is normal. It took me around 3 years before SCB finally accepting my cc application. Bro @winner is right, just apply for all and see which bank accepts you if you are so uncertain about yourself and worry about not having 1 year @ work yet.

Bro @Michael_G, it took me 1 year back then before being able to apply for cc although my salary qualifies. Patience is a virtue and please don't treat cc as a must have item in your life. It is a nice to have convenience in life but often abused by people who couldn't control their spending habits very well. It tickles me to hear people complaining about banks charging them a lot of credit card interest. In the first place, you won't have this problem if you have been paying your bills in full every month right ?

I have a friend who survives without cc for many years and travelled around the world yet he lives comfortably without worry even in a foreign land.

This post has been edited by hye: Jun 23 2009, 08:57 AM

Bro ... not to confuse you or anything.
Card cancellation would not be accepted through e-mail ... period. You can try this with all the 9 anchor banks and foreign banks in Malaysia and they will tell you the same answer, "No ... we do not accept cancellation via e-mail".
The only means accepted by the bank is via letter (via fax in or mail and they will verify it later with you) or call in. (Authenticated via PIN or CS ask you questions)

This post has been edited by hye: Jun 24 2009, 02:33 PM

Hahaha ... If you guys wanna make these comparisons then ... my turn
Best record from application to approval and get card ... 4 hours and the worst 2 months. That 4 hours is not even coming from HSBC or even HSBC MC Premier card application.

This post has been edited by hye: Jun 24 2009, 03:10 PM

No lah .. where got like that one. What @cute_boboi meant was he was just translating the official pre-recorded voice answer into (what probably) the bank meant. Hahahha.

Oh yes I agree. I put up my JustOne application on the 8th June but CS said the papers was only submitted on the 14th June. I dealt with the bank agent directly who phoned me up. Yeah ... I suspect the guy kept my application for a while.

4 hours was Citibank ... I did not walk in at the fair. They were having a promo @ KLCC at that time. Next was HLB, 12 hours to approval. 1 week to receiving card. Applied 12pm and got call around 10++pm from bank and said it is approved. New branch promo.

2 months .... it was RHB. MBB also took a while but it was close to 2 months, so RHB took the 1st spot.

** Disclaimer. This is my personal experience. Probably other people may have different experience than I do. I probably have different preferences for cc as well due to my spending pattern and needs. So ... I'm not advocating any best cards or worst cards from my stories.


Top 3 cards for me right now

1. HSBC. Good CS but I'm considering to cancel the card coz I don't directly benefit from good CS. Lack of interesting promo.
2. SCB. JustOne. Rebates, rebates, rebates. I can't think of any other reason. Plus, you can use their online facility to pay bills and have it charged to your credit card. Number of payees almost similar to CitiOnline system and more important have the major bills. (e.g. TM, Celcom, Maxis, TNB, Syabas)
3. Alliance Bank. Ugly card design I tell ya. Whoever approved and designed the card should be sent to the firing squard and shot. However, best card after JustOne coz of the rebates.

This post has been edited by hye: Jun 24 2009, 06:34 PM

This is still better than HSBC Amanah (0.5%) or SCB Business (0.5%) and more importantly better than 0% if you use other cards !
And don't lah compare with promotion specific cards which give you large discounts ... these are cards which does not discriminate your spendings.

This post has been edited by hye: Jun 25 2009, 02:18 PM

Factor in the admin fees for overseas spending and the 1% cash back is now negated to just 0%.

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Added on June 25, 2009, 6:51 pmJustOne product is new and probably you need to wait till next year when the 1st batch of early adopters need to renew their cards. I wouldn't be surprised if SCB refuse to waive the AF. You want good rebates and free card ? Unlikely .... unless the market introduces a similar competitor to this product, I predict SCB to stand their ground on the AF waiver condition.

Whether or not RM15K p.a spending is a lot or not .... well you guys know yourself how much you spend in a month. (Cash + credit based spendings)

This post has been edited by hye: Jun 25 2009, 06:59 PM

Aiyo bro ... you are lucky that some of the "bros" are actually entertaining your question. You are an adult already you know?

Read the previous threads as this have been discussed before. Don't be lazy and just seek quick answers.

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Added on June 26, 2009, 7:52 amCredit card experience differs individual to individual. It's very personal ... probably there will be someone else who would not agree with you.

This post has been edited by hye: Jun 26 2009, 07:52 AM

I totally agree with you on this one. Alliance may not be the largest or best banks around. (Card also ugly ... OMG)
But in terms of cash back offerings, SCB JustOne takes the top spot and a close second Alliance

Means that you have been (highly likely) paying SCB promptly in the last 12 months. You should know this yourself.

Well ... it is a good thing right ? You can't complain for getting something good.

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Added on June 27, 2009, 10:25 pmI seriously wanted to laugh my head off when I read this bro's answer. I don't want to be rude but if you are thinking to start a debt at such a young age, (somemore cc debt) I think you better take a hike. I could have used a more "interesting" choice of word to reflect my annoyance at such attitude and arrogance towards the purpose and idea of owning a credit card.

I saying this for your own good.

This post has been edited by hye: Jun 27 2009, 10:45 PM