Yes ... you are right. The limit is set on a per daily basis. If you have a very large bill then you have to do the payment in least 2 days. Worst if you have too many cards to pay ... good thing CIMB offer cheap IBG fees till end of the year.

Psst .... one secret, cost of IBG fees are lower than RM0.50.

This post has been edited by hye: Oct 3 2009, 12:54 AM

Yeah ... I was thinking along the same line.
Combo it with JustOne and you'll have the perfect combination! The Citibank version limits the discount based on product category instead of day of the week which JustOne uses.

Don't think so you could do so with your HLC cc. Even if possible, you have to pay additional fees to the bank as this is not counted as Interest Free installment plan.

Example :
1. SCB, Above RM500, 7.99%, 12 months
2. CIMB / DA, iPay Plan, Above RM1K, 2%, 10 months (Not sure whether this plan still exist)

"Time Deposit" is what HSBC's version of the Fixed Deposit. Same product 2 different name

No, they won't do that. I know it is logical that you have in total x + y credit limit but they just would not combine it.

Should not have any difficulties using overseas. However, as you mentioned ... if you have doubts over the bank then why bother apply/using the card in the first place. Credit card is about convenience and peace of mind .... not about worrying if the bank (or their CS) will give you trouble. If that happens then believe me the cost of the inconvenience far outweigh the free gifts that the bank offer ya.

I don't know what bank cc you signed on but what would (normally) happen is that the amount/transaction will be put into dispute and credited from your account pending the outcome of your transaction dispute. How long would the transaction dispute take to resolve ? It is between 1 month - 3 months.

What I will suggest to you (if you are worried about interest) is to pay your bills as per normal and include the RM120 that you are disputing. It is not a lot of money nor by paying it is a signal to the bank that you are admitting to the transaction dispute irrespective whether the bank is removing the charge now or later. That way you need not lose sleep over the interest and rest assured that you won't lose out coz if the bank rule in your favor then you have prepaid RM120 to your cc bill.

1st lesson ... always be aware of where your wallet is, especially when it contains your credit card.
When in doubt whether you misplace or lost your wallet ... call the bank to block your card. You can always unblock it if you found your wallet. Don't blame the merchant for not checking the signature ... if the thief have your card, your signature is just @ the back of the card. Plus, if the thief use it to buy petrol then no need signature.

Whatever it is, it is still possible for the thief to copy the signature with enough effort. You heard of the saying - if you want something really bad, you'll go all out to make it happen ? Same goes for the thief ... golden oppotunity,don't waste it - use the stolen card quickly before the owner realise it. Once the card is blocked ... dump it.

Don't get me wrong ... many years ago I learn my lesson when I lost my SIM card. I thought I left it @ home so I did not block the SIM. One week later when I went over to the telco ... telco told me that someone use the SIM to call Indonesia everyday and almost every hour. Seems that guy was running a "Wartel" using my SIM at my expenses. Bill came up to more than RM1k in about 1 week - lesson learnt and a very expensive one.

Did you file a police report that you lost your credit card ? If yes then simple ... simply send the copy of the report to the bank as proof.
If not, same thing ... file a fraud case to the bank and wait for result.

Last but not least ... BNM stipulate that your liability are limited to just RM250. However, be prepared for the bank to make your life difficult for a short while coz your fraud claims are higher than RM 250. Don't be complecant ... block your cc if you think you lost it. It just may save you a lot of money and hassle. If you do not act to block your card ... whether you have small or big CL, you are still susceptible to fraud.
Good luck !

This post has been edited by hye: Oct 11 2009, 04:37 PM

Yup, best method would be online IBG. Do it from anywhere in the world where you have access to your Internet banking system. Do take note of the IBG fees imposed by your banks. They range from RM0.50-RM2.00 per IBG transaction.

The product you mentioned is not called a prepaid credit card but instead a debit card. (Thus the prepaid nature) This is not the right thread to post your questions as there's a debit card thread in this forum.

Look for it k ?

Use your IBG facility to pay. Available through most Internet banking providers ... just look at a few posts back and you'll find it. We were discussing it earlier.

This post has been edited by hye: Oct 17 2009, 06:24 PM

You will be asked/shown an additional sheet of paper outlining the cc promo that you will be signing up under and they will ask you to sign that up in additional to the form that you fill in. In that sheet of paper, it will state whether the annual fee is free for you or not.

It is co-branded card - normally it is harder to obtain AF waiver for co-branded card unless the AF waiver is part of their marketing strategy. CIMB Petronas card falls under this AF waiver category but the Enrich card is not.

Yes, you can pay other airlines using your Enrich cc as the same way you'll get points for normal retail purchases. It is just that if you use it to pay for your MAS flights, you'll get more points. BTW ... I should refrain from using the word points because you will be rewarded with Enrich points instead of your regular points. (Credited monthly to your Enrich account)

If I'm not mistaken, at the point of application you'll be asked for your Enrich membership. I assume if you did not fill it in, they will open another Enrich account for you. Well, that's what happened to me and my MBB KrisFlyer cc. I did not fill in my Krisflyer details and they opened another KrisFlyer account for me. (Disclaimer : It may not happen that way for Enrich coz they may encounter a duplicate should they use your NRIC details when opening the duplicate Enrich account)

1. Call Citibank
2. Ask the CS politely whether the annual fee can be waived.
3. If you are nice then likely they will waive it for you.
4. No threathening tones or threats please.

CC users are civilised folks. If you can't get the waiver then either pay the AF or consider cancelling the card.

OK .... perhaps it is a good time for some cc education.

What happens when you swipe your card at the terminal (whether it is for regular retail transactions or EZ payments) is that

1. Merchant take your card and insert/swipe your card.
2. Bank authenticate that your card is good and machine print out the slip.
3. User sign on merchant copy and merchant returns to you the customer copy

Not yet finish ... coz before the merchant can claim their monies ...

4. Merchant need to run batch processing and send the transactions info to the bank + the signed slip.
5. Bank receive the info from merchant and then only prepare to send cash to merchant and post the transaction to user's cc records.
6. Banks transfer the cash to merchants account after a certain period minus the fees.

What happened is that likely there was a hiccup @ process 4 so that's why the bank never posted the transaction to you in your statement. (It could have been the bank's fault but the probability is low coz it's mainly electronicly captured) Hiccup meaning that likely the merchant sort of misplaced/lost your particular transaction thus unable to claim from the bank. In the good old days where the transaction amount was written/captured manually (and highly prone to errors), every now and then you are likely to encounter wrong amount being posted to your cc statement. A quick call to the bank along with your proof of the actual amount will correct this error quickly.

You can cancel your card but the bank can still send you a letter and claim from you. so, whether you cancel your card or not ... it wouldn't impact much - pray that the merchant loses all record and you're home free.

This post has been edited by hye: Oct 23 2009, 11:12 AM

You'll probably find the answer if you backtrack and read all the posts.
CC is about what you think is best for your lifestyle - different ppl have different expectations of what they want their cc to offer them. IMHO, just on the basis of no annual fee does not mean the card is good.

And what is your definition of "good" ? Good CS, good merchant discounts, good cash rebates, free for life ? There's no 1 card that can offer you all - careful on your question or you are going to get flamed for asking such a generic question and it definately shows that one did not read all the posts.

No need. Just tell them the situation and ask them to investigate.
These CS are human after all ... if you are nice to them, I'm sure they are more than happy to help you. Plus, I'm sure on a daily basis they encounter 1:10 nice customer vs. nasty customers. Be that nice customer and I'm sure you'll get your way.

It always works for me ... but I'm not asking anyone to be "gay" about it.

The new ruling on credit card is not new. It first debuted back in the early 2000 when DPM Anwar was the Finance Minister. (So those wanting to change govt ... reconsider lah coz look lah who introduced it back then)

If you think the RM25 per supplementary card user was bad, back then it was RM50 per card irrespective whether you are a primary or supplementary card holder.

Good news was that there were bank (read my singular or plural use) which offered to 'pay' for the RM50 fee on behalf of the card holder.

Just a slight correction ...
the RM50 fee was imposed when Anwar was in power ... so I may have mistaken the info on the year.

And .... the ruling was lifted a few years after that. CC market went booming again. You know I felt it was effective to curb unnecessary spending back then by people who live on credit. Those who pays in full was life as per usual. I'm not supporting Najib or anything but I think this is a good move by the govt. I mean look at the occasional post we have in this thread asking how to increase cc debt is crazy - questions like EZ installments, pay minimum every month, cash advance, etc. I was rather worried and I was always loud about it ... sigh

One interesting note ... the first FFL card was introduced to the market not too long after this fee was lifted. Direct Access Gold card for graduates. So it's anyone guess to see what will happen to the FFL market effective 1st January 2010.

BTW .... I'm not that old lah.