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Credit Card Thread V7, Everything about the world of plastic
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ronnie
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 Jun 22 2009, 09:46 AM
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QUOTE(MilesAndMore @ Jun 21 2009, 11:58 PM) 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  I changed my DirectAccess Mastercard 3 times. I managed to get to waive the charges stating it's not my fault the chip failed. it's a manufacturing defect. By any chance do you use it at Petronas stations often ? This post has been edited by ronnie: Jun 22 2009, 09:47 AM |
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ronnie
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Jun 25 2009, 09:35 AM
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Direct Access rebates every Sunday until 30 Sep 2009 when spend at MPH (10%) and Guardian (5%)
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ronnie
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Jun 25 2009, 09:56 AM
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QUOTE(David83 @ Jun 25 2009, 09:38 AM) It has more than that. There's a whole list for it. These are the ones that interest me hehehehe  |
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ronnie
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Jun 30 2009, 10:13 AM
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QUOTE(eddievh @ Jun 30 2009, 09:55 AM) Due to CIMB mastercard is free for life,my card is already very old 4years and have quite many crack nearly broken. If i call up and ask for new replacement card ,is there any charges? I changed my card due to crack (at the magnetic strip area) and got it for FREE. Always insists for FREE replacement. |
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ronnie
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Jun 30 2009, 02:15 PM
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QUOTE(eddievh @ Jun 30 2009, 10:22 AM) May i know which bank offer free damaged card? I read from previous forumer post sometimes card get stolen they also insist wanna charge Rm50  The first Free-for-life-without-strings-attached CC : Direct Access |
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ronnie
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Jul 1 2009, 09:00 AM
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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)
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ronnie
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Jul 1 2009, 09:50 AM
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There's no "threat" at MBB TreatsFair Instant Credit Card approval at Treats Fair is one of the highlights |
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ronnie
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Jul 1 2009, 09:52 AM
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QUOTE(hocklai8 @ Jul 1 2009, 09:34 AM) Now got incentive to take out my DA Visa card to use... for Tesco/Giant shopping Who needs a Giant-Citibank credit card or Tesco-RHB credit card now... hahahaha I wonder why they left out Carrefour |
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ronnie
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Jul 1 2009, 10:48 AM
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CIMB will have one in August 2009
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ronnie
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Jul 2 2009, 09:47 AM
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It's in The Star on 1st July...
Careful to spend within their limits :-
Rebate shall be capped at a maximum spending of RM200 or rebate of RM10 on every 1st day of the month and subject to a maximum
spending of RM2,500 or rebate of RM50 per monthly statement.
I wonder is the limit for each card type or combined ?
This post has been edited by ronnie: Jul 2 2009, 09:49 AM
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ronnie
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Jul 6 2009, 10:33 PM
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QUOTE(Reventon @ Jul 6 2009, 07:52 PM) i believe there is no such need to inform the bank that you are going overseas , i never called my bank for this and i never had any problem so far using my card anywhere in the world. However informing the bank does a little help that if you are going to use a large part of your CL overseas , bank will call and roaming in foreign network sometime will not easily get into the line, the worst part is if they " hold " the transaction for suspected fraud case. Anyway informing the bank before you leave won't do any harm right ?  You seem to contradict yourself..... Best to call the bank to let them know of your whereabout in case you are using CC. |
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ronnie
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Jul 16 2009, 03:59 PM
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Just read the Maybank TreatsFair promo brochure and it says that We can get both 5X TreatPoints and Mesra points when use in Petronas.
yippeee... now have reason to use my Maybank Petronas Visa
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ronnie
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Jul 16 2009, 10:44 PM
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QUOTE(Michael_G @ Jul 16 2009, 10:34 PM)  i gave them my EA form, EPF form, 3months salary, my IC still not enough meh? @.@ Maybe certain details in the application form is not accurate or left out ? |
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ronnie
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Jul 17 2009, 01:09 PM
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Card type is the only think merchants can see to show the status, right ?
CL is consider P&C info similar to salary.
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ronnie
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Jul 17 2009, 11:24 PM
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@Michael_G, I think DA also have a card for Diploma holders.
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ronnie
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Jul 18 2009, 06:42 PM
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QUOTE(Gen-X @ Jul 18 2009, 10:50 AM) Just saw ad in The Star for DA, promotion period 18 May to 18 Aug Spend >20K Free MEndoza Back Pack Spend >40K Free Olympus FE45 DC Spend >60K Free SE F305 Spend >80K Free Toshiba 19" LCD Spend >100K Free Dell Mini 10 Above guaranteed free gife unlike HSBC and Citi need to sms and limited. Hope to get Free MEndoza Back Pack hopefully.... hehehe |
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ronnie
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Jul 19 2009, 10:38 PM
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QUOTE(Optiplex330 @ Jul 19 2009, 02:55 PM) Slightly different question. Assuming you have a credit limit of RM10K. But for a certain purchase, you needed to spend RM30K on the card. So can you: 1. Paid into your credit card account RM20K and you can swipe RM30K on the card now? I was told some overseas card do not allow that. What about Malaysia? Call the bank for temporary credit limit increase... problem solved. |
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ronnie
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Jul 21 2009, 09:05 AM
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QUOTE(Fabrication @ Jul 21 2009, 08:32 AM) hi i found my DA card, to exchange gift with point, need to pay for shipping... while my another card, maybank, i exchange some last year, no need to pay any shipping.. please share, how about other bank credit card? need to pay shipping?? is DA abnormal, or maybank is too nice?? Else go to the PERFECT LIVING CIMB 2009 from 28th Aug 2009 - 31th Aug 2009 at PWTC http://www.cimbbank.com.my/pdf/Perfect%20L...20STAR%20AD.pdf |
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ronnie
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Jul 21 2009, 01:29 PM
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Not worth to withdraw cash advance from Credit Card.... the interest will eat into your profit and turn it into loss
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ronnie
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Jul 21 2009, 10:47 PM
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The AMEX Gold Card is free for life (with no strings attached), right ? Then can apply just to keep the card in Mint |
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