Maybank give 0% for 1 year installment, but it also depend of the merchant.

redeem 10k points from SCB for service tax waiver and the following months they will give 11k points

issit, let me try next month

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Added on May 13, 2010, 8:55 pmif the website supports verified by visa or mastercard secure code, they will never call to verify

This post has been edited by alexwsk: May 13 2010, 08:55 PM

No harm to give it a try, as long as the card suit your needs.

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Added on May 13, 2010, 9:43 pmBut citibank cards dun support 3D secure online shopping.

This post has been edited by ck_tonny: May 13 2010, 09:43 PM

jsut a quick question, can a student apply for credit card?i mean university student without any jobs and income from family..
if yes then which bank?
please dun point out debit card

Quick answer ... NO
Credit card require proof of income documents. The closest one can come to this is via a supp card.

Max tenure is 24 months but as bingozero said, it also depends on the merchant.

URL: http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

Guys ... I got to quickly point this out that it is impractical for the banks to verify every single transactions via phone call.
The larger banks have a cust base of at least 500,000 customers and the smaller ones perhaps 50,000.

Imagine 10% of the customer base uses their card on a daily basis. This means a minimum of 5,000-50,000 calls that need to be placed each day just for the sake of confirmation. Most banks detect fraud via a computerized system and places calls to just a fraction of the transaction that comes in through the system - the computer partially helps to identify which transaction requires additional 'attention'.

If you guys are worried about fraudulent transactions ... etc, practically wouldn't it make sense to not use credit card ? Be realistic guys, credit card does offer protection but the sheer volume of transactions, there's bound to have a problematic transaction every now and then. If really credit card are unsafe why are there millions of users out there in the world today and it is globally accepted as good as cash in most countries around the world?

What you guys are asking is akin to asking no road accidents to ever happen in the country. There are millions of cars and vehicles out there on the road and accidents happen on a daily basis - at a fraction of the total number of vehicles in the country. Would it be practical to ask a body to stop cars on the road @ random just because they are using the road ? Be realistic guys .... banks do call up their customers but they would do so either @ random or either they really have a good d**n solid reason to do so.

Try HLB..they offer good credit cards with cash backs,very good CS and easier to get approval..

well for affinbank they will call me for all the oversea online transaction. except for monthly subscription type where the first month they call, after that no.

oic..they did not provide student option like other contries do
but then thanks

you sure other countries provide credit card?
i thk it's all debit card

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Added on May 14, 2010, 12:11 pmguys and gals, which petrol station can reload Touch n Go using credit card? or dun have at all? Thanks.

This post has been edited by alexwsk: May 14 2010, 12:11 PM

yup..i applied for it but get rejected(due of my visa expiring soon) and i currently holding debit card
http://www.commbank.com.au/personal/credit...rd/default.aspx

n many other banks also offer student option with annual fee waived as long u still student

It all depends on whether the petrol station would allow you to do so. Reloading got nothing to do with TnG, all up to the station to accept it or not. I think they will decline you coz the cost they bear would be high and income could be negative or too little.

Hey, got a question regarding finance charge due to cash advance. If I already has some outstanding balance (balance from retail transaction) for my CC and then later I make a Cash Advance transaction. When I want to pay up, can I differentiate the payment only for the cash advance?

Say outstanding balance is RM100 and Cash Advance later on is RM100, so end total would be RM200. Then I just want to pay up the cash advance amount RM100 only, would the payment be considered for the cash advance payment? Or I need to pay up RM200 to settle the Cash Advance payment.

Sorry if it is a stupid question, hope can get some explanation. Thanks in advance!

Let me try ... guys you could correct me if I'm wrong.
Banks treat the various transactions according to a hierarchy and may slightly differ bank-to-bank. Generally ...

1. Retail transactions
2. Outstanding balance
3. Cash advance and etc.

What this means is that your payment priority will go to item 1 -> item 2 -> and so on. This enables the bank to ALWAYS maximize returns on the interest that they are able to recover from the consumer.

In your case if you pay RM100, the money will go to outstanding balance. You still owe the bank cash advance.
You need to pay RM200 ++ to clear the Cash Advance. Why I say ++ is that don't forget your interest is being charged on a daily rest.

Lesson here : Please don't use Cash Advance and if possible avoid outstanding balance as once the bank is able to charge you interest, they will maximize the opportunity to the max. Don't blame the banks ... they are there to make money from the consumer. They are not charities. Period.

Thank you for your sound explanation. So, banks do have hierarchy system, though, sounds abit unfair. But as you mentioned, banks are not the one to be blame in the end

cash advance if i not wrong once you withdraw RM100 you need to pay back at least RM105, the advance fee is charged instantly

Yes, there's a min charge for that besides the daily interest thing.

not only that. got some hidden charge for cash advance. i did RM 1k cash advance on last year. end up have to pay RM1,100++. suppose to pay rm1,050 & i settle it in 4 days. then statement came with 4 days interest + some another interest again.costl so think twice..