Majority of them are ignorant. Anyway, that is just a polite way of calling someone stupid

You can use it right away.


MasterCard and VISA are both widely accepted.


This is the case in Malaysia. Certain stores in the States only accept MasterCard but it is a very rare case nowadays.

United States is so big. You need to go to other places to realise this.

You can't transfer your existing credit card limit from Bank A to Bank B. You will have to apply for a new credit card from your desired bank and they will decide how much credit limit they will give to you (assume they approve your application).

The only thing you can transfer is your outstanding unpaid balance.

Most of the shops (especially computer shops) no longer revert the merchant charge to their customers.

Then i guess i'm lucky as all the computer shops here in Kota Kinabalu no longer revert the merchant charge to the customers. I can now even pay for ink toners with credit card without incurring any extra charges.

Harvey Norman and Best Denki don't revert the merchant charge to their customers, as far as i know.

This is the very reason why they rejected you. You will need to make sure you pay your car loan on time for the next 12-month to improve your credit score.


It is pretty pointless to ask really as it won't state the reason in their computer.

The information on this new Cash Back Platinum card is not available yet but it looks like the cash back structure is more or less the same as their existing cash back cards which do involve a carry forward balance if you want to get the highest tiered rebate. Otherwise, you'll get get the normal rebate.

This post has been edited by MilesAndMore: May 25 2010, 07:35 PM

I was wrong ! This is so good. The rebate scheme is about the same as the Citibank Singapore dividend card. Too bad all other purchases only get 0.3% rebate So basically, this card is good to use only in Malaysia as i am sure most other purchases most people made overseas are actually in the 0.3% rebate category.


I'm okay with this rule.

Not sure. Can't seem to be able to find it in their website.

It is a similar tactic used in USA and Singapore.


Which is really low for a Platinum series credit card. Anyhow, nobody really pays annual fee nowadays. The annual fee can be easily waived by calling up the credit card centre when it's due.

The STAR article mentions that it aims for those earning between RM60,000/pa - RM120,000/pa. So i guess it starts from RM60,000/pa.

We really need a bank to introduce a credit card with unconditional 1% cash back on all purchases with absolute no cap


They will tell these people to get credit card from other banks instead

But someone recently complained that the HLB VISA Essential it is not as simple as advertised. Something about the cash rebate he got was a lot less then what he spent.

Hence it is not worth to mention as it doesn't fit the "unconditional 1% cash back on all purchases with absolute no cap". There is still no such credit card in Malaysia.


Yeah, which is an absolute crap !

Just like Maybank Treatpoints, you can use MR points to redeem for free vouchers, free gifts etc.


As mentioned by many other people, AMEX's acceptance is still poor compared to VISA/MasterCard. But of course, when i made that comment earlier, AMEX completely slipped out my mind.



But it's a debit card and as we all know, credit card is still the preferred plastic. Besides, Alliance Bank range of debit card can't be used online.

Credit card or debit card ... it's the same. The merchant charge is the same.

Hopefully HSBC Malaysia will upgrade its Premier MasterCard to an official Premier World MasterCard soon and waive all the overseas admin fee

It is offered only in Gold and Platinum.