Discount - given by the retailer at point of sales
Rebate - given by the bank usually at statement time

If you do your math...

Starbucks purchase price say RM15.00
After Discount 10% RM13.50
After Rebate 10% RM12.15

more like 19%

can somebody tell me what is transit payment scheme and proprietary payment scheme in credit card????

urgent.... thanks

INSIDE Contactless, Cubic Transportation Systems and Visa have developed a multifunction contactless payment card that supports both Visa payWave payments and Cubic’s NextPASS fare collection software that meets contactless fare media standards established by the American Public Transportation association. The new system was unveiled at APTA’s International Transit Expo currently underway in San Diego, Calif.

INSIDE’s proof-of-concept demonstration showed how a single multi-application card based upon the company’s MicroPass 4003 chip platform can be used to conduct contactless payments on both a retail POS terminal and on a Cubic transit fare collection device. [...]

According to INSIDE, having a resident transit application on a general-purpose payment card enables it to be used like a native transit card. The transit payment system treats it just as a regular transit card, and is able to perform all the normal front-end processing. Because of its intelligence, the transit application on the card is able to cope with highly complex fare schedules based on distance, zones and time, for example, as well as various schemes for enabling riders to transfer between multiple transit lines.

Proprietary Credit-based: Proprietary Credit-based APMs operate proprietary platforms that complete sales transactions by offering the consumer credit terms.  They operate exclusively without the domain of the credit card networks.  Examples of this type of APM are Bill Me Later, PayPal Pay Later, and eLayaway®.  Under this model, the APM grants credit and later invoices the consumer for any purchases.  The APM then pays the merchant via ACH less any applicable fess.  Generally speaking, consumers are granted credit during a brief application process the first time they check-out choosing that APM.  Consumers may also apply for an account by going to the APMs Web site.

hi, i jst got my cimb cc and would like to ask sth abt the weekend promotion for the isetan 5% discount.

does it apply to whole isetan departmental store or isetan supermarket only?

can i know which bank absorb the RM50 GST?

From what i know
Citi bank - platinum new card free 10,000 point (for redempt RM50 GST)
Hong Leong - no condition (read from previous msg)
Eon - with condition swipe ?? times?

Oh..ok 

I would like to ask if my friend's got a plat card with 30k CL but hor her income not reach RM60k per annum le.. can she apply for other plat card from alliance bank (min 80k), citibank (min 100k) and HSBC (min 150k) ? If yes, is that mean CL is more important than the annual income?????

just got a brochure from affinbank, swipe rm5000 in a year span and they subsidize your rm50.

Yes. She can apply another Platinum credit card with other bank using her existing Platinum card with 30k of credit limit. It could be hard for HSBC Platinum VISA though. HSBC Group is known to be very selective in granting new credit card worldwide.
Hopefully more banks will have similar offer soon. So far we only know Hong Leong Bank, EON Bank, Bank Rakyat and Affin Bank can waive the credit card tax ...

Hopefully more banks will have similar offer soon. So far we only know Hong Leong Bank, EON Bank, Bank Rakyat and Affin Bank can waive the credit card tax ...

did MBB available for waived the GST??

Without the required income can apply too hor if they got 30k CL?? HBSC is difficult to apply???? I thought same like others too?

what is the minimum CL to get world card ?

Without the required income can apply too hor if they got 30k CL?? HBSC is difficult to apply???? I thought same like others too?

I seriously cannot stand RHB already. They're still sending me statements charging me "late payments" of something I never asked for at all!! OH MY GAWD!! CAN I SUE THEM NOW???

Nope. You have redeemed for it using TP/MR.