On the other hands, there are several people I know avoiding it like the plague due to pass dishonest practice like charging you late fee when there are no late payment.

All Visa and Mastercard can be used for overseas transaction with equal conveniences, not just citibank's. In fact, I would be more interested to know whether they charge overseas transaction charges or not.


This post has been edited by Optiplex330: Sep 18 2009, 10:30 AM

Please note that Alliance's cash back is limited to RM5000 spending. No cash back above that figure.

---

Added on September 20, 2009, 9:01 amDA petrol rebate ends 31-Dec-09. RHB's Travel Money ends 30-Sep-09.

AFAIK, only AMEX Gold CC gives 5x reward for petrol (equivalent to 2.5% cash back) with no time limit. A major reason why I applied for one and got it in 2 weeks.

This post has been edited by Optiplex330: Sep 20 2009, 09:04 AM

May be the card holder is not a bumi? AFAIK, all Petronas station are not being given to non-bumi to operate.

Yes, it is totally irrelevant and ridiculous. Just like only bumi are given license to operate Petronas.

This post has been edited by Optiplex330: Sep 20 2009, 09:44 PM

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

Many many years ago I have similar problem and was given the exact same reason, i.e., Malaysian card are high risk so they are being declined.

So I got my friend to use his Malaysian issued Citibank card and that was being rejected as well. Apparently they go by "Country of issue" only. Nothing to do with which bank.

Why bother. Just go get a AMEX Gold credit card and no such confusing rebate system. All petrol purchased are given points that can be converted to cash rebate. Work out about 2.5% cash rebate. As for any other non-petrol purchase, it is equivalent of 1% cash rebate.

Only problem is, some places don't accept AMEX.

---

Added on September 23, 2009, 10:35 amMy many many years ago problem with Malaysian card being rejected was also being used online.

But for past few years when using Malaysian card overseas in UK, Thailand, Indonesia and China, no problem whatsoever.


This post has been edited by Optiplex330: Sep 23 2009, 10:35 AM

I may not be necessary but I always practice informing my card bank when I went overseas to avoid complication. I do not want them to call me on my handphone when I am overseas to confirm any purchases that I may have on the card. Imagine the handphone bills.....

Did you sign for the RM120? If not, just called CC and tell them you didn't sign for it so will not pay. Proceed from there.

If I were to keep 2 cards, I will make sure:
1. Each from different bank.
2. From Visa and Mastercard. AMEX too unreliable on acceptance.

3%. But no free annual fee after 1st year.

Give them a break. You will scratch it anyway sitting in your wallet.

I only know about the RHB Travel Money. Every time I wanted to cancel, they came out with a few month of petrol promotion. Right now, it is 5% off every weekend and 2% other time.

And I am canceling my RHB because I felt cheated in the way they give the petrol rebate. I spend over RM300+ all on weekends and they only rebate me RM4+. What the heck!

http://www.rhb.com.my/cards/credit-card/cc...money_main.html

I just canceled my EON by phone. No problem.

I may disagree. I think it really does not matter which bank you use because they only recognize MasterCard and VISA logo anyway. Therefore, I will pick a card that does not charge for any overseas transactions which can go as high as 2%. That's a lot of money.

---

Added on December 7, 2009, 4:02 pmSame here. After cutting off the least usable card for me, I ended up with no VISA as well.


This post has been edited by Optiplex330: Dec 7 2009, 04:02 PM

I had used EON card overseas with no problem and I am sure EON isn't a well known international bank.

I don't see any differences. The most important privileges that is important is whether they accept or not accept our card. If they accept my internationally-unknown EON, then that is good enough privileges we need. And that's the main reason I will be cutting my AMEX.

This post has been edited by Optiplex330: Dec 8 2009, 06:59 AM

DA has good CS because you can still speak to a real person. I tried to call Alliance 4 times today, got put on hold and then disconnect automatically. I gave up.