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 Credit card V8, Anything about it

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SeanChang
post Oct 11 2009, 04:21 PM

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12. Useful information
BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250. See the actual document here, page 123 has the guidelines.

Refer to 1st post for the above guideline.
Good Luck smile.gif
SeanChang
post Oct 13 2009, 05:05 PM

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QUOTE(cenkudu @ Oct 10 2009, 09:24 PM)
Just to confirm for those who hold Amex Ikhwan. I read from the website the annual fee now is lifetime waiver and you will get 5 X treats points at all petrol stations. this is really good
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So it's no more min use 12x per year?
SeanChang
post Oct 13 2009, 05:24 PM

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QUOTE(staticxtreme @ Oct 13 2009, 05:34 PM)
hi guys..
i just applied for a CC with CIMB Bank..
I just received it last saturday.
Here's the thing, don' really understand about the CCs and stuff but..
If i make a urchase of RM100 today.. when is the latest date i have to pay back to bank?
If statement comes on 25th of October means i have until 9th of november to pay only?

one more Q is what if the postman lost the CC statement.. then not my fault right.

THanks!
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u could ask the bank to 'adjust' ur cc statement date earlier or later.
let's say u didn't received ur statement in 5 days after the statement date, call up ur bank to ask to resend, u can always check ur cc on internet & pay b4 the due date smile.gif
SeanChang
post Oct 23 2009, 02:10 PM

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QUOTE(spikey2506 @ Oct 22 2009, 11:14 PM)
It's two weeks now since I submitted my conversion form to Ikhwan Amex. Will start bugging them next week for prompt action.
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Convert frm which card?
How's the conversion? Easy?
SeanChang
post Oct 23 2009, 04:22 PM

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QUOTE(he-sham @ Oct 23 2009, 04:27 PM)
hmmm..my shell citibank just been charged annual fee by citibank...
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not sure bout shell citi t&c, but every year when i see the annual fee charges on my bill, i just call cs & request to waive it.
The condition given is i must swipe min 12x in the coming 12 months.

Maybe u can do it too if they say it's not waive as per when u sign up? smile.gif
SeanChang
post Oct 23 2009, 06:49 PM

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Yes! need to cut down amount of cards!!!
SeanChang
post Oct 28 2009, 05:16 PM

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QUOTE(Molotov Cocktail @ Oct 28 2009, 05:20 PM)
im plan to hav only one cc for my convenience
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i'm sure u already have some card/bank in ur mind,
btw, u can ask urself:
Visa/MasterCard/Amex?
annual fee - free for life?
feature - such as Visa Wave, Paypass
rewards point given
cash rebates

can go to each bank to refer each benefit of ur choise smile.gif
SeanChang
post Oct 29 2009, 05:27 PM

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QUOTE(aeronlim @ Oct 29 2009, 01:41 PM)
Did anyone confirm with bank that how to settle the charge for the RM 50 ? Is that waivable? Bank or the customers bear the cost? noticed that my credit card is already 1 year in Nov... The budget is for 2010 or effective immediately?
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still no official announcement from any bank yet
SeanChang
post Oct 31 2009, 04:34 PM

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QUOTE(jackolantern @ Oct 31 2009, 01:01 PM)
can i know what bank look b4 they  can approve credit limit. my cc limit 4k but i want increase to 6k
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can call ur current card/bank to request for a CL increase smile.gif
SeanChang
post Nov 3 2009, 11:25 PM

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QUOTE(Shinichi @ Nov 4 2009, 12:02 AM)
I plan to keep Amex Gold CC as my main card since its my rebate card.
However I'm having difficulty on my other 2 cards. Should I keep either 1 or cancel both?

1. MBB Petronas:
- Why keep: evergreen points, no shipping charges when redeem gifts, %0 interest installment at many merchants
- Why cancel: no benefit for me

2. DA Master:
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if i were u, i'll cancel DA & keep MBB Petro coz it's TP will be ongoing &
SeanChang
post Nov 4 2009, 03:16 PM

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QUOTE(Shinichi @ Nov 4 2009, 01:04 AM)
Since I will console most of my spendings to Amex Gold, I believe transaction for the other CC will only as backup in case Amex not accepted and also for insurance premium payment. I still unsure should I pay RM50 for this backup card...
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You can check with ur insurance company see they can accept Amex for autodebit or not
FYI, AIG(General insurance for AIA) is accepting Amex for auto debit as i'd one with them smile.gif
SeanChang
post Nov 5 2009, 01:06 PM

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QUOTE(miaomiaolala @ Nov 5 2009, 09:22 AM)
wanted to check with you guys, how do I add another cc into my citibank online?? As I've registered for the cash back but I can't register for Airasia Card~!
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can call Citi CS or login to Citi wit ur current username:
1. On ur landing page u'll see a blue envelope (You have 0 new mail(s).)
2. Click on 0 or other number, if u have a msg frm Citi
3. Click (Compose new message)


They will reply mostly on the next day & u'll need to login again to see thier reply. i use this method most of the time to save my phone bill smile.gif

SeanChang
post Nov 8 2009, 05:31 PM

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QUOTE(kylee700 @ Nov 8 2009, 06:22 PM)
are there any credit cards for students?as in those without any income requiremement
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i think all credit card in m'sia would have at least RM18000 annual income?
alternatively, u can put a FD (certain amount) to get for a credit card smile.gif
SeanChang
post Nov 9 2009, 03:03 PM

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Notoriez,
Not juz small shop in LYP, bigger store such as Thunder Match & All It also charge.
i would like to know how to report too, cos they just add the 3% to the total amount sad.gif
SeanChang
post Nov 13 2009, 04:36 PM

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QUOTE(Syd G @ Nov 13 2009, 12:52 PM)
I've been receiving many calls to give away my card expiry number for "verification". They're from Prestige whatever club that prolly want to sell me membership to some useless privilege cards.

If I want to lodge a report, where can I do it?
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can share wit u how i respond:
a: we r offering u a limited credit card/loan
b: alright, i'm interested but i need to know how u got my details?
a: company policy cannot reveal
b: u can ask ur manager about this question, until u let me know how u got my details, only i'll sign up. Bye.

SeanChang
post Nov 25 2009, 11:35 PM

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QUOTE(aeiou228 @ Nov 25 2009, 10:25 AM)
Is there any other cc offer better cash rebate then OCBC Great Estern Card ?
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This OCBC GE rebate is only for premium for GE insurance.

SeanChang
post Nov 26 2009, 02:40 PM

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QUOTE(axlkey @ Nov 26 2009, 02:19 PM)
i searched the internet and found that maybe FMB decision may be not reallly favour us as consumer..

And just now, MBB called me and they want my verbal saying "yes" for them to channel my saving to settle the bill by today..however if i didn't call them by today,they will still debit my a/c..

Right now I doubt if decision by FMB is out and favour me, will the bank credit the money back to my a/c..?? Their MBB executive also says that they can't guarantee that.. i doubt about their trick in saying that actually... hmmm...
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Perhaps you need to consider this CPP to protect further fraud
http://www.cppasia.com.my/eng/what/protection.htm
SeanChang
post Dec 14 2009, 08:58 PM

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Bank Negara Malaysia (BNM)
Credit Bureau

The application could only be made once in 3 months from the last date of request.

it's good to review your own credit report every year:
- to review your credibility
- the reason why bank reject your application
- trace any loan/credit card which is not apply by yourself

Here is the link to download the form
http://creditbureau.bnm.gov.my/index.php?c...17&ac=9〈=en
smile.gif

This post has been edited by SeanChang: Dec 14 2009, 09:40 PM

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