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 Credit card V8, Anything about it

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muscaa
post Sep 20 2009, 11:42 PM

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crap CIMB & Petronas - both GLC....

muscaa
post Sep 21 2009, 05:13 PM

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QUOTE(winner @ Sep 21 2009, 04:40 PM)
Except the various PB privileges, other features of the SCB PB VI are same as the normal SCB VI.
SCB did give RM50 rebate as an early bird incentive to 1st 1000 approved Just1 cardholders. Besides, it also gave 5000 choice points to each Just1 members as a welcome gift. I guess you will still be given 5000 choice points.

Bear in mind that on top of the 2% or 5% cash back, SCB Just1 cc will only give 0.5x point for every RM1 spent in overseas, unlike SCB Plat cc and VI which grant 3x points and 5x points respectively for overseas transactions.
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any idea which shopping mall we can find SCB cc booth?
muscaa
post Sep 30 2009, 08:42 PM

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my experience with credit card points gift redemption:

Maybank - extremely slow, cannot apply via online, must apply via fax or snail mail, usually takes 4-6weeks for processing till receiving the gift. They send the gift through poslaju and frequently they will leave a message in your mailbox asking you to collect it at their office in Cheras Shamelin Perkasa.

HSBC,Citibank - very efficient, within a few days the gift will reach your house, can apply via online.


muscaa
post Oct 5 2009, 06:43 PM

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QUOTE(vin_ann @ Oct 5 2009, 01:22 PM)
same here. i never get call from HSBC, any single call for the huge purchases. 

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yeah.. me too, never get called from HSBC for any purchases.. but their marketing is too efficient to call me so many times for balance transfer, HSBC amanah etc... shakehead.gif
muscaa
post Oct 24 2009, 07:57 AM

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According to the budget 2010, start from Jan 1, 2010 every credit card - RM50 service tax yearly, supplementary card - RM25 service tax yearly. If there is annual fee, we gotta pay it together with service tax.

Charge cards (eg. AMEX) will be charged RM50 service tax yearly too.

The only unclear thing is debit card, any clarifications on this?
muscaa
post Oct 24 2009, 11:27 AM

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QUOTE(ellimist @ Oct 24 2009, 11:15 AM)
Yeah, as hye mentioend previously, like the 97 days, banks will have to buck up again and start being really competitive, since hardly anyone would want to hold multiple cards from different banks.

But I do think some will shift focus to the debit cards. Maybank seemed to launch their new one (master card debit) at just about the right time hmm.gif
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I think I will keep my citibank master only... easier to pay bills through internet
muscaa
post Oct 24 2009, 05:14 PM

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QUOTE(mirzan007 @ Oct 24 2009, 05:07 PM)
dude NO more no annual fee CC... must pay RM50... new budget 2010
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still have credit cards without annual fees... but there is service tax RM50 from Govt
muscaa
post Oct 28 2009, 09:28 PM

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QUOTE(he-sham @ Oct 28 2009, 04:30 PM)
for basic & entry level, easy & fast to apply if u hold a degree is CIMB DA Gold Mastercard & Visa....They're giving generous limit too..

benefit can get rebates for petrol & groceries....
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i worry DA wont give petrol discount starting from next year
muscaa
post Nov 1 2009, 01:12 AM

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QUOTE(fauzistt @ Oct 31 2009, 11:40 PM)
..i mean the flip flop policies were in the past, i think the service tax is to stay.. not that i'm happy about it...
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surely the RM50 service tax is going to stay, and most likely banks will push the burden to their customers. The only thing that we can do is to terminate all the credit cards and use cash cry.gif


muscaa
post Nov 2 2009, 05:18 PM

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QUOTE(kei18kun @ Nov 2 2009, 01:27 PM)
i'll postpone until december to start cancelling my cards since still have time...might change the decision anyway since there is alot of protest from the industry
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rclxms.gif very good...
I 've just terminated my 5 credit cards - Alliance ikea, EON Matta&GSC, Maybank Ikhwan&Gold AMEX... feel like a huge relief with a lighter wallet smile.gif
muscaa
post Nov 2 2009, 09:26 PM

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QUOTE(vin_ann @ Nov 2 2009, 07:43 PM)
aiduh...bro, u shd not cancel Gold Amex yet!!!!!!

see Amex thread now!
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i know there is 15% rebate.. but i'm not staying in klang valley now, furthermore i dont wanna spend too much of money because of that sad.gif
muscaa
post Nov 2 2009, 10:09 PM

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QUOTE(hebe87 @ Nov 2 2009, 09:37 PM)
ya.. its promotion only limited to klang valley stores, its unfair.. sad.gif
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this is just another AMEX business gimmick by Maybank to retain their customers... they know a lot of AMEX card holders are going to cancel their cards due to the RM50 service tax
muscaa
post Nov 10 2009, 07:11 PM

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QUOTE(winner @ Nov 9 2009, 10:10 AM)
Do make sure it is fully cancelled. Otherwise RM50 service tax will be charged on 1st January immediately.

This also applies to other banks. Do ensure you cancel the CCs 2-3 weeks early to avoid argument with banks later.
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just need to make sure you terminate the card before 31 Dec 2009.


Added on November 10, 2009, 7:13 pm
QUOTE(bingozero @ Nov 9 2009, 10:30 PM)
Is this methods work? If let say the bank need the p01ice report for credit card lost, then how?
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yes you can call them and declare loss card and terminate the card at the same time

This post has been edited by muscaa: Nov 10 2009, 07:13 PM
muscaa
post Nov 13 2009, 08:09 PM

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QUOTE(ronnie @ Nov 13 2009, 11:12 AM)
I just CUT my EON Credit Card thru a phone call... Also found out I still have a EON-MOL debit card with RM0.26 left hehehe. CUT that also.
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terminated 2 public bank cc and 1 hsbc cc today tongue.gif
muscaa
post Nov 13 2009, 09:19 PM

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QUOTE(jack2 @ Nov 13 2009, 08:23 PM)
So many wanna cut ah even they announced that bank can absorb?
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cut those c.c. which doesn't give discount or provide lousy banking service (or PM brother's bank nod.gif )


Added on November 13, 2009, 9:23 pm
QUOTE(MilesAndMore @ Nov 13 2009, 05:46 PM)
I now had to tell her that I had just dropped my card in a drain and wanted to report a lost card. Five minutes later, her superior told me he had to charge me RM50 for losing my card.
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this is a bit strange... i've tried to deal with the same bank before, reported loss of c.c. and able to terminate the card at the same time without being charged RM50 for card replacement.

This post has been edited by muscaa: Nov 13 2009, 09:25 PM
muscaa
post Nov 20 2009, 05:59 PM

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QUOTE(cheez @ Nov 20 2009, 05:40 PM)
Regarding the credit card tax, I personally think that it is wiser to charge the tax over the 3RD CARD ONWARDS for any cardholder. This will definitely be more effective in controlling the number of cards and not affecting the economy of the market.

Man, why are we having such stupid goverment.

To Najib or the Finance Minister (duno wat is his name), if you are reading this thread right now, go and rework the plan.
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the govt is desperate for money (to distribute to their 1msia cronies later)... that's what i look at the RM50 service tax.
muscaa
post Nov 24 2009, 10:43 PM

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QUOTE(alexwsk @ Nov 24 2009, 10:32 PM)
go to public bank and fill in a form to add the cc to your online banking
this is the most troublesome bank, other banks either will show up automatically or can manually add in the ob
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i think PBB is the best bank... i terminated their credit cards and within 2-3 days they have sopped me from viewing the account online.

Maybank took me 1-2 months....
muscaa
post Nov 27 2009, 12:18 PM

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citibank just increased my credit card credit limit to RM25k. Kinda scary figure for me. Going to terminate it soon and the credit increase is too late... tongue.gif
muscaa
post Nov 29 2009, 07:28 AM

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last week i brought my wife to terminate 5 cards in 4 banks... very tiring sweat.gif

Citibank is the most difficult bank...they will persuade you to the maximum before proceed with your card cancellation
muscaa
post Dec 6 2009, 11:50 AM

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QUOTE(MilesAndMore @ Dec 5 2009, 01:32 PM)
It shows that CIMB Bank is a very inconsistent bank, both in terms of service and informations provided to their customers/potential customers    doh.gif
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agree too... initially CIMB / DA gave 10% rebate on books bought at MPH, but later they withdrew it. I'm wondering whether they will continue the 2% petrol rebate start from 2010.

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