Is it the American Express Gold Krisflyer? Sigh, how come Citibank was removed from the list since I read from few blogs online saying Citibank Plat is eligible too.

You mention flat rate, why there is an issue of compounding interest?

It means that assuming you're loaning RM10k 5%/year flat ate loan paying ~RM320 monthly for 3 years, is equivalent to 10k 9.3%APR (compounding interest w monthly rest) loan of the same period.

Try downloading this file and see : http://www.vertex42.com/Links/go.php?urlid=file-ccpayoffcalc (Credit Card Payment Calculator)

Enter Current Balance as 10k, interest rate at 9.3 and monthly payment at RM320. Look at total interest - should be around 1498.23, which is almost the same as total flat rate 14.99% over 3 years period.

If you have the Maybank Amex Card (9%APR), it would be better not to BT to that package.. if you have a 16.5% card, you'll only save 7.2% instead of 11.5%.

This post has been edited by Syd G: Apr 9 2010, 07:32 PM

Platinum series from Alliance, Ambank, Amex, EON and UOB, as well as Amex Krisflyer.


Citibank and SCB Platinum cardholders can gain free access to
Plaza Premium Lounge at KLIA, not LCCT.

i already have a DA mastercard..only use to buy petrol & groceries

now i would like to buy some home electronic & furniture

my friend suggest me to apply for AEON CC because they have the best easy payment scheme

is it a good idea?

to be honest i dont know much about CC, last time my sis laughed when i told her i want to reduce my CL from 8k to 1.5k

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Added on April 9, 2010, 10:04 pmyes, i applied direct access CC using my degree cert,professional membership card & one month payslip

they did call my company for verification though

so just try your luck

This post has been edited by arafat: Apr 9 2010, 10:04 PM

Aeon CC is not recomended.
Their CS & system are s**ks....
They can still charge you AF after one year you cancelled thier CC.
This is because their poor system management,the statements still keep sending to you monthly showing everything zero.
No matter how many times of calls and letters being sent to them its still the same.

arafat, try ask the shops that you want to buy home electronic & furniture got installment partnetship with CIMB DA.

take cash money lor

When banks call for verification from your work place doesn't mean that its 100% approved..

This post has been edited by krylicius: Apr 10 2010, 02:20 AM

Yup ... this is correct. Verification is just one of the process. In fact, if the bank does not call it does not mean you failed in your application too.

CIMB has rebate program for Q2. Eating KFC still got 10% .
This apply to direct access too.

http://www.cimbbank.com.my/index.php?ch=43...8&tpt=cimb_bank

sad to say tat kfc doesnt really want to accept cc payment. always give lame excuses like cc machine line down. i tried 5 times wanna pay with cc but only 1 time the cashier accept. zzz

Some even have phased out the credit card processing terminals ...

1. I don't patron fast food restaurants
2. I don't pay small amount using cc
3. Using cc for small amount at KFC counters will slown down the process, hence not FAST anymore

guys, some question about cash advance from credit card.

lets say i have a credit limit of only rm3k. already used rm1k. so there is a balance of rm2k.

according to the cc agreement book, it say "50% of credit line & subject to available credit balance or whichever that is lower"

does that mean i can only take 50% of rm2k (available credit balance) , or 50% of 3k (full credit)?

thanks. sorry for any error as i`m typing with one hand

All the KFC in Malaysia are using credit card processing terminals from CIMB Bank. So we can actually pay by sticking the card (only with Paypass feature) to the terminal and it will save a lot of time. However, nobody seems to know how to use it. Not even the cashier

it is suppose to be 50% of the available credit balance which is your balance of 2k.

50% of your RM3k credit limit.

No one bother to try that feature..everybody uses the chip to do transaction..

Anyhow,i dont see many ppl using cc at kfc..maybe bcuz its not that expensive..

I tried to use at KFC once but the cashier said it is spoilt. Somemore I purposely wanna try the Paypass of CIMB cc. Another time tried at Giant, the Paypass like not working even when I tap the cc to it. More like a white elephant.