I am seriously considering to cancel my DA Visa Infinite as there is hardly any benefits for my case. DA Visa got 5% rebate at TESCO and GIANT on 1st of the month where we get 5% but then again I don't go to TESCO or GIANT on the 1st and this offer ends 31/12/09 anyway.

Moreover, useless CIMB cheque deposit machine cannot make payment for VI. So got to pay under my MC and then call DA to transfer fund to the VI account.

I have cancelled my DA MC Plat 3 weeks ago but keeping the World MC.

Mind you elaborate further on above. For my case I would say yah, it is not even better than DA Platinum since both DA Platinum & VI/WC get same discount and rebate at places where I shop!

Actually CIMB/DA VI is really good if you play golf. The card is free and you get to play golf free (i.e. no green fees) at many of the top courses in Malaysia and get to play at The Mine Resort (not free) which is the most exclusive in Malaysia. However I don't play golf.

What pisses me off is that stupid CIMB cheque deposit machine having problems with DA VI account number and I have to pay under my MC and then waste time calling DA CS to transfer fund to my Visa account. Told my wife to stop using the DA VI so I no need to trouble myself this month.

Good to learn above, got to call UOB CS manager and pester him to give me the RM50 waiver, haha

I also started holding UOB Gold Visa card in 1991 when I first started work and they upgraded to Plat when they launched the card. I remember the first time I used the Plat card to buy a Nokia phone, the sales manager was so impressed with it. Nowadays who cares what card you have.

AMEX a big no no.

MBB the best card to use overseas. Even though Alliance claims that there is no admin fees for overseas transactions whereas MBB charges are 0.5%, after conversion MBB rate is lower. Maybe is because the exchange rate for Alliance's is higher than MBB's. Confirm this when I use both MBB and Alliance in SG few month back. But do note, Alliance have 2X reward for overseas transaction and therefore not much diff.

HSBC Premier MC starting CL only RM30K? Don't one have to have at least RM200K in some kind of deposit with HSBC to qualify for Premier Account? I would expect a higher CL since my HSBC Plat CL higher RM30K the day I got the card and I don't even have a single sen deposited with them.


You have SCB JustOneCard that's why Actually I do like CIMB/DA MC because their cards are truly FOC and always have special offer at MPH and get 2% petrol at all petrol stations (which I use at Petronas) and offer discount at some of the food outlets I go to. The BIG negative part of CIMB/DA is that they charges courier fees for delivery of item with reward points redemption, I am fortunate that I can drop by their HQ to collect and save the fees.


I would like to say that eventhough HSBC may not have a wide range of card but their CS is pretty good. Only thing I don't like is that their promotional gifts are not guaranteed eventhough you spend tons of money with them.

This post has been edited by Gen-X: Dec 3 2009, 02:40 AM

Very true, finding a parking at Damansara Heights during office hours can vomit blood; fortunately, i don't have to worry about parking my car.


So did they reactivate the other after you called them?

This post has been edited by Gen-X: Dec 3 2009, 10:05 AM

I check the cards in my wallet,

HLB & DA MasterCard CC and RHB MC Debit Card all 3 starts with 5.
HSBC, Alliance, Citibank and UOB Visa all starts with 4.

So it seems that way.


Pigs can fly?

Both my Amex CC and charged card starts with 3. Is there any significant if your AMEX starts with 4?

yah, saw that at maybankard centre at 1U where only need 16700TP for JJ RM100 voucher. Too bad not applicable for AMEX.

just in case you can't get a CC in time, go get a debit card where you can get 1 on the spot (RHB and UOB got mine on the spot).

sorry can't help you as I didn't ask about that.

This is good news as can save me RM125 on my wifey supp cards and additional RM50 since my son going to be 18 next year will be giving him a couple of supp cards.

aiyoh, if i can recall correctly it was a single RM100 voucher.

You can always cancel your visa by returning the Visa to the branch. Call CS for more info.

Wow, that's bad. What time you call? Usually for my case is that if I call after 10pm the CS know next to nuts and they claim they got 24 hours platinum service.

Email them on how bad their service is and you'll get a call from them the next day.

Just spoke to UOB again on the RM50 tax, this time the CS girl told me got few options but all do not waive/absorb the RM50 tax but gives RM50 Smart$ points where you can redeem at participating merchants. Instead of waiting for the government decision I thought might as well get the RM50 Smart$ point now and if the government decides not to impose the tax I gain RM50

Anyway the options are to get RM50 Smart$ Points:-

1) Charge 3 times RM100 above within 14 days. Took this option starts tomorrow after 12pm.
2) Register for 2 auto debit account.
3) Do Balance Transfer.

This post has been edited by Gen-X: Dec 9 2009, 04:28 PM

Yes, confirmed. Why don't you call them yourself and reconfirm.

What MBB CEO said is not a surprised because afterall, MBB is a GLC and if MBB were to absorc the tax then is would be a joke as it will be against their ultimate boss (PM) decision in the first place to tax CC holders.

Anyway, looks like there is no hurry to cut cut now.

You have another alternative which is to get a Debit Card, check out the Debit Card thread and you'll note PBB Electron and Day2Day can use paypal. Debit cards are not taxed RM50 but there is an annual fee.

you open a thread to post above? what is your point? And for 6 years you never apply for another CC when you not happy with MBF? As you mentioned, just go get another card lah.

Having said the above, I can understand why MBF did not increase your CL, you must understand that RM3K CL is very very low and yet you can't even make RM150 (5% of CL) on time and have bad record payment history. Yes, Citibank Card do have all kind of "special promotion" loan (like blank cheque) but before you utilize/use these kind of "benefit", better ask yourself if you can pay back as the interest will be high.

As for the bolded statement above, you are right.

As for the loan over the phone, yah HLB calls me often and say can give me loan for business and blah blah blah, HLB approval is over the phone and "loan" transfer directly into bank account. I did ask once can they actually approve it over the phone and was told conversation recorded.

Alliance too always call me offering BT but need to fill in form I think.

The point is for people with good payment records, banks are more than willing to loan money to them and increase their CL periodically even tho it is not requested.

Before we go to v9, first page should mention about RM50 tax

1. MBB - Tax imposed on card anniversary and can use 10,000 TP to offset the tax.
2. As of 18 Dec 2009 according to tgeoklin, banks willing to waive RM50 UOB, SCB and HSBC on case to case basis.
3. As of 18 Dec 2009, what I was told - UOB gives Smart$ Points RM50 if accept their promotion (a) swipe 3 times above RM100 within 14 days or (b) do Balance Transfer or © activate 2 or more auto debit account. For my Visa I went with (a).
4. I cancelled my UOB Plat Mastercard card and was offered the RM50 tax if sign up for 2 auto debit account which I declined. tgeoklin on the other hand was offered the RM50 tax waiver for his UOB Plat CC with CL RM1K

Also the following should be admended or added

1. Annual fee matters
No need to request for waiver
UOB Platinum - swipe 12 times for each card or if have both MC and Visa swipe 6 times for each card.
OCBC Platinum Robinson - this card no longer issued.

New
American Express Gold CC
MBB Petronas

3. Credit Card linked to Petrol Giants

AMEX credit card & charged card including Platinum generally offer 2X MR/TP at ALL petrol stations that accept AMEX. Only AMEX GOLD credit card offers 5X MR.

5. Complementary Cards
HLB Smart Link Account - Complimentary Hong Leong Gold Credit Card* Enjoy zero annual fee for life when you maintain a monthly average balance of only RM500 in your Hong Leong SmartLink Account.
*Valid for principal accountholder only. Subject to eligibility and the bank's final credit evaluation.
http://www.hlb.com.my/pfs/dep/depsmacc.jsp?flag=depsmacc

7. International Transactions

Please note % below is fees imposed by the issuing card bank and does not include fees imposed by Visa or MC

Alliance - Nil as of 18 Dec 2009 and get 2X reward points.

11. Useful information

CCRIS report - go to Bank Negara yourself and use self-service terminal to get report with MyKard (you need to go as need thumb print).