Wow, we've finally hit v2. Go Amex community! =p

For those of you who haven't received your amex gold cc, you might wanna check with cs. Mine didn't come for weeks last time, and when I called up, apparently they sent it to the branch near my workplace -.-
Quite sure I ticked courier to house, but who knows

Hmm but Amex was relatively widely accepted in Tokyo, from what I observed when I was there at least.

And yea, with the new amex gold cc, and how widely they're advertising it, it does somewhat give u the impression that they're moving to the mass market a lil, rather than remaining a niche.

Still, compared to a number of years back, Amex acceptance is getting better, though not to my satisfaction yet. I mean, I obviously don't expect the lil shop down the road to accept Amex, but there are decent places that doesn't take Amex as well. Point in case that comes to mind is Sushi Zanmai outlets

Yeah, that Zanmai (and even the one in 1U and Pyramid). Exactly, I expected to be allowed to roam freely around TG with my amex

Different CCs for different purposes ma

As in branch officer already submitted to credit evaluation department? Well if it's not appearing in the system, it does sound like the application is lost somewhere. Don't think it's in transit considering how long ago the application was sent.

Oh you're prooving salary via bank statement and not salary slip? Hmm the PB only shows 2 months? Might be sufficient for them. Did the CS specifically mention that your application only shows 2 months and that was insufficient?

You gotta weigh it. Think the last time we listed it down, the extra benefits were kinda limited to travel related, in specific air flights related. If you're gonna utilise that, then it's probably pretty good.

Plus I can't deny it, a portion of the high price is for the prestige as well. In my eyes at least, this is the most prestigious card in our country.

Yes I know you can buy other stuff with RM2.4k, but if RM200 per month is no big deal to you, then I would say go for it. At least try it out for a year and see for yourself what you think about it

Ah yea, was just spreading the cost over the period you'll be utilising it.

Yeah unfortunately Amex will be rather badly hit, since ppl consolidating their cards will look to cancel their charge cards in particular as it's not as widely accepted.

To top that up, their recent heavy campaigning of the free for life Amex Gold CC is gonna go to dust.

What are you guys planning to do? (assuming no banks come up with response) I'll keep my charge card, and probably 2 other credit cards max.

Service fee is RM50. If each RM spent with an Amex is worth about 1 cent (since we get 2 points per RM spent), we'll need an expenditure of RM5k to cover it.

Seriously, considering the low acceptability of Amex, retail doesn't seem like a good ground for them anymore (despite recent efforts). Lots of ppl are gonna cancel it. They'll probably have to refocus on getting their corporate ones out.

And yea, suddenly Maybank's new MasterCard Platinum Debit Card doesn't seem like a bad option at all.

@tinker
Yeah, didn't say it was hard, was just an observation of how much needs to be spent =p

The 2nd part was in reference to ppl consolidating their cards. Especially for ppl who want to have like 1 single card, they'll probably ditch Amex for a visa or mc since the latter ones are more widely accepted.

@tinker
Same here, I doubt I'll be keeping just 1 card. Like you, I'm happy with my Amex, and don't want to lose it. But at the same time, there is a need for the MC/Visa for acceptability.

Or if I really decide to keep just the Amex, I'll probably have to switch over to Debit cards, meh

@tinker
Simple, the plat. privileges > points

And there's still the 10x plat partners, so technically the plat is not all privileges and no points,lol.

@tinker
Well, you could do some rough math and see if your annual petrol+grocery extra 3x points will be very substantial. It's gonna add up to abit obviously, but is it substantial enough for you to forego plat privileges

Which brings us to the point you missed.. privileges > points Unless of course you hardly use any of the extra features of the plat. Even so, the plat has well, a plat status

Ok, maybe I'm being slightly bias in suggesting you keep the plat and all,lol

@tinker
I guess unless you golf alot, eat at Shangrila/Westin often, or shop at their plat partners alot; the Gold CC would be better.
Plan to keep a visa/mc apart frm an amex?

@tinker
You could opt for debit cards for visa/mc =p

@Shinichi
I'm quite sure I opted for e-statement in the form as well, but I've been receiving the paper statements, albeit without a charge for it.

@zenquix
Yes, unfortunately due to the lower acceptibility of the charge cards in our country, when ppl consolidate their cards, amex/diners will be the ones to rid off

@tinker
For the SCB rebate, it's probably for the application stage only right? As in from the 2nd year onwards you don't get it anymore.

Well yes, there're ways they can go about it. But the cost to the bank can be pretty huge. Unless they're totally confident that with such an offer, they can steal a large share of the market, and ppl will consolidate to their cards.

Btw same here, thinking of keeping 2 (including my charge card) or at max 3. Does seem I'm gonna give up the gold cc which is real good, though feel like it's quite a waste to do so

@sykz you work for Amex?

I have a question for you. Any chance they'll waive the RM25 payable to enrol into MR for green charge cards? I mean, it's free for gold and plat charge cards, but they decide to charge on the green charge cards =.=

Also, do they offer ppl upgrades like from green to gold, say if I'm an active user. Or it's a must to resubmit financials to show I qualify for a gold or somethin

Thanks!

@Optiplex330

Well yes, as pointed out, acceptability in Malaysia is unfortunately on the low side. If most of the places you frequent does not accept Amex, then the card simply doesn't suit you. Some on the other hand, swipe rather large amounts over time at the places they frequent