@winner
Yea, was trying to point out that you still get some cash back,albeit not the highest rate as per their advertisement (since that will require a substantial amount of c/f balance)

I do agree with you though, it's a rather annoying policy

That is so so true. Guys, all you need is the AMEX Gold credit card !!!!



HSBC is quite good actually. The points needed to redeem for shopping vouchers are one of the lowest in town, the lowest being CIMB Bank and American Express Membership Rewards.

For special discounts you need to refer to their SmartPrivileges catalogue online. Currently there is this 10% off at Starbucks i am taking advantage off


I have 2 HSBC credit cards. The first year annual fee for one of the cards is free. The annual fee for the second year onwards will be automatically waived provided you swipe it at least 12 times in a year. This applies to all HSBC Classic, Gold and Platinum credit cards.

This automatic fee waiver however, is not mentioned in their conventional credit card application form but all the HSBC staff told me the same thing, should be a real deal i suppose.


True. It's bullshit really.

This post has been edited by MilesAndMore: Sep 22 2009, 09:19 PM

hmm.. so it is good for applying for HSBC credit card? but somehow i kinda preventing myself to apply credit card because of the temptations of buying things. i think i am going to apply for the Eon GSC credit card because i like to watch movies with my gf. so probably i will go for that.

any advice?

Cash back should be given on the same month it's spend on... That's why I cancelled their Shell-citibank card

are the petrol and hypermarket rebate for DA applicable for CIMB Plat oso?

Yes. For both Gold and Platinum.

EON GSC cc is customised for movie lovers. If you are a die-hard movie lover, and frequently watch movies at GSC, this cc is suitable for you. Other than this, it is just a normal cc.

Overall yes it is good. I'd say it's better than Citibank. Citibank seems to be such a hit even now and i still don't quite get that. The redemption points needed are also much higher compared to CIMB Bank, HSBC, AMEX just to name a few.

If one day i have the money to become their Citigold customer and i am given a complimentary VISA Platinum credit card, i'll probably just put it inside my drawer. Or may be a year later i'll apply one of their cards, just for collection I don't find the Citibank's credit cards benefit enticing, at all.

It just seems many are in favor Citibank credit card just because of the name "Citibank". They just want to use a card from a global bank. You want global bank ? Then go for HSBC. It's way bigger than Citibank (with more than 9000 branches in the world compared to 4500+ Citibank branches) and HSBC has a good image

This post has been edited by MilesAndMore: Sep 22 2009, 11:51 PM

Well, you gotta ask urself honestly. It can be a real big problem, especially since swiping the card and deferring payment is real tempting. Can get you into serious financial troubles if you misuse it.

If you frequent GSC, the eon card should help. Apart from the discounts, you get to queue up at the gold class lane in the bigger cinemas (1u,mv,pav) which is a real plus point to me.

Guys,

Can somebody tell me how to get an increase for maybank cc credit limit. A sure way. I always hit my limit every single month and have a lot of direct debit transactions stuck

Thanks in advance.

Go to the nearest branch and request for Credit Limit Increase form.

Fill it and wait for approval. You can request limit increase permanently or temporarily.

I'm curious if owning a CC from international bank is necessary?
Currently I only own CCs from local banks only.

Unless you're travelling overseas frequently. I don't think that's matter.

I don't have any CC issued by foreign banks.

As long as it carries the Visa or MC logo, it doesn't really matter which bank issued it, local or foreign.

---

Added on September 22, 2009, 11:00 pmCitibank is one of those bank I will never want to touch again. Terrible.

This post has been edited by Optiplex330: Sep 22 2009, 11:00 PM

yeah.. this is a good point of getting this card.

Definitely not an issue. My dad had no problem using his Maybank VISA in Hong Kong and even USA.

Just a note to CIMB Bank credit cardholders. If you have your CIMB CLICKS enabled, you do not need to call CIMB Bank credit card centre to inform them you're going overseas and you might use their card there. You can enable the card for overseas use yourself via CIMB CLICKS. Actually it is already set for overseas use by default but you can just go to check it before going overseas, just to be on the safe side

This post has been edited by MilesAndMore: Sep 22 2009, 11:57 PM

MilesAndMore, under which section in CIMBClicks?

so that means DA gold/plat and CIMB general gold/plat cards shared the EXACTLY same benefits
then i shud go for DA as the requirements are lower

Even im frequent movie lovers, i found i no need it. dun know why.

for me, im always done E-payment using other normal CC. when collecting the tickets, i go line up at the Gold Class Q, i still can get the tickets. hehe...

The so call exclusive Q for EON GSC is not exclusive.

@MilesAndMore :
thanks for the tip. just checked, my cards are set as permanant

@David83 :
Right at the bottom, ATM Services --> Overseas Usage Maintenance. That's the only one I could find, assume Miles is talking bout this =p

@vin_ann:
Well some of us don't plan for movies. It's like we're in the mall or somewhere around and decide we wanna watch a movie. Then the card is useful

I'm not bothered if the queue is exclusive or not, as long as it is shorter then the regular queue during peak times

This post has been edited by ellimist: Sep 23 2009, 10:04 AM