Hi,

The details are as follow

Maybank Visa
IDR : 660,176
MYR : 241.46
Posting Date : 12-11-2009

SCB Master
IDR : 2,508,000
MYR : 921.09
Posting Date : Not specified posting or transaction date in statement. 08-11-2009 was listed

Alliance Visa
IDR : 306,130
MYR : 114.20
Posting Date : 11-11-2009

based on the above posting dates and forex from http://www.oanda.com/currency/converter/

Exchange rate on 11-11-2009 1IDR = 0.0003598 MBB rate 0.0003658 or 1.65%
Exchange rate on 12-11-2009 1IDR = 0.0003601 Alliance rate 0.000373 or 3.56%
based on exchange rate on 11/11 and 12/11 SCB about 2%

Yah Alliance rate damn high for your case.

For me case where transactions was in USD months ago, MBB rate lower than Alliance but Alliance lower than DA. HSBC and UOB.

Guess David83, if you reading this, better delete the Alliance - NIL as it is incorrect - my bad.

You swapped the posting date. Alliance looks to be even higher.

yah lah, you right i swapped the posting , me blur lah but the forex is correct

it should read

Exchange rate on 12-11-2009 1IDR = 0.0003598 MBB rate 0.0003658 or 1.65%
Exchange rate on 11-11-2009 1IDR = 0.0003601 Alliance rate 0.000373 or 3.56%

was wondering, not all banks allow you to cancel the card and continue to send you statements everymonth to settle the outstanding balances.

Anybody knows which banks that allows us to do so? To cancel the card now but continue to send statements every month

The quick answer is no. But I do know of such practice but I don't think you want to be associated with it. Banks will do this to their customers who are defaulters and your name will be listed. Just pay off your debt lah ... or execute a Balance Transfer.

Haha,.... i guess the best card to get for foreign trips is still MBB.

However anybody tried to check the rates for credit card n debit card? Mastercard for example?

Is it the same administration fee charged to both cards or is it different when used overseas?

thanks for the clarification. My friend was asking me regarding this matter and I was curious as well.

Slightly OT ... if you are using a debit card then might as well do a ATM withdrawal overseas. Conversion rates are better than the money changer, up to RM15 ATM fee per withdrawal charges - works out well if you are withdrawing a certain sum. (But not for small withdrawals as you incur ATM fee each time)

Credit card is useful if you don't want to carry large sum of cash and to provide protection while you are overseas.

if you have balance in the card, the banks will ask you to pay up in full before letting you cancel the card. Otherwise they will not let u cancel it at all.

hehe, i managed to squeezed another RM13++ from JustOne
my last transaction before reaching RM600 is on last friday, 5% for RM868
so total rebate from JustOne = RM613++

wondering whether I can get more rebates since my billing date is on 10th next month

If my memory serves me right, my JustOne stopped giving me cash back when the accumulated rebates reached RM610 approximately.

ic, i'll try again these few days, see still have rebates or not

i got a primary n supp scb justone cc , so it is the 600 rebate is shared by both card?

my total rebate is way over 600 but up to date i stil get rebates from it ...

SCB JustOne supplementary card has a different RM600 cash rebate which is not shared with the principal card.

what is the benefit of rhb bank credit card(standard)?

nothing special whatsoever
see here

The RM50 service tax is charged on the anniversary of the card issued. So my question is, lets say if your card's anniversary falls on 08/10 but you cancel the card 1month earlier than the date so do we still need to pay the Service tax? If no need then quite lucky for December 2009 applicants

This post has been edited by Yapmy: Dec 22 2009, 05:21 PM

as long u cut before the anniversary month, u don't get charged

This post has been edited by DarReNz: Dec 22 2009, 05:32 PM

lucky for my DA card just got it this month too, but definitely terminate it next year november. regretted tat didnt manage to apply the visa IN. thou...