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 Credit Card v10

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zenquix
post May 23 2010, 06:13 PM

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QUOTE(ronnie @ May 23 2010, 04:26 PM)
Can we change from DA Platinum Mastercard to CIMB Petronas Platinum Mastercard easily ?

Does the 0.5% rebate for retail transactions credited at tend of the statement date ?
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you need to cancel the DA first.
ronnie
post May 23 2010, 06:31 PM

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QUOTE(zenquix @ May 23 2010, 06:13 PM)
you need to cancel the DA first.
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Can I apply for the CIMB Petronas Mastercard, then ask for DA Bonus Points to be transfereed to the CIMB Petronas Mastercard account ?
zenquix
post May 23 2010, 11:27 PM

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QUOTE(ronnie @ May 23 2010, 06:31 PM)
Can I apply for the CIMB Petronas Mastercard, then ask for DA Bonus Points to be transfereed to the CIMB Petronas Mastercard account ?
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Nope. your application for CIMB Petronas will get rejected because you have the DA Card. That is what the CS told me when they reject my application. Anyway CIMB Petronas does not accrue points smile.gif

ronnie
post May 23 2010, 11:44 PM

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QUOTE(zenquix @ May 23 2010, 11:27 PM)
Nope. your application for CIMB Petronas will get rejected because you have the DA Card. That is what the CS told me when they reject my application. Anyway CIMB Petronas does not accrue points smile.gif
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No Bonus Points for CIMB Petronas Mastercard... no wonder they give 0.5% rebate for all retail transactions.
I guess I need to be able to spend >RM10,000 in 1 year to cover the RM50 Govt Service Tax.
deeplyheartbroken
post May 24 2010, 12:42 AM

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QUOTE(SeanChang @ May 23 2010, 10:37 AM)
u went to which branch? what's the amount u swipe? it's a good start smile.gif
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Ikano branch. Amount is only RM 100+
Lineage
post May 24 2010, 12:45 AM

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QUOTE(deeplyheartbroken @ May 24 2010, 12:42 AM)
Ikano branch. Amount is only RM 100+
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yeah..one of my friend working there told me they no longer charge 2%.. thumbup.gif
future80
post May 24 2010, 02:40 AM

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last year my fren bought something at the car accessories shop even charge 3 % or 3.25% I forgot. and , i never heard any saloon shop didnt charge .
krylicius
post May 24 2010, 08:44 AM

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QUOTE(future80 @ May 24 2010, 02:40 AM)
last year my fren bought something at the car accessories shop even charge 3 % or 3.25%  I forgot. and , i never heard any saloon shop didnt charge .
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3%?...they even try to make a profit out of it... shakehead.gif
hackwire
post May 24 2010, 05:41 PM

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i never pump in petronas. petronas last time ask to leave behind my credit card when i pump petrol . i said cannot knowing that it's dangerous to leave your card to stranger. the staff said its company policy. what to do, in hurry also... warn the girl that if bill wrongly, come back for her.


hye
post May 24 2010, 06:08 PM

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QUOTE(hackwire @ May 24 2010, 05:41 PM)
i never pump in petronas. petronas last time ask to leave behind my credit card when i pump petrol . i said cannot knowing that it's dangerous to leave your card to stranger. the staff said its company policy. what to do, in hurry also... warn the girl that if bill wrongly, come back for her.
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Petronas is not to be blamed but it was that particular petrol station who had that strange policy.
Who knows, maybe previously they were trusting and then they had customers who took advantage. I am not particularly worried if it happens to me because should I dispute I will ask the bank to check the pump mileage @ that particular point of time the card was used. It won't tally .... and you'll win.
Takuhiro
post May 24 2010, 08:20 PM

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Hi Guys,

My credit card application has been rejected twice

- my p.a income is around 36k+
- Salary is deductible if i take more than 1 day of mc so my payslips will look awkward.
- I've missed payments for my car, which im clearing up. It's not much, but i usually wait to pay bills at the end of the month.
- I've no previous bad credit history unless they take into account my phone bill which i pay every end of the month too, which is usually late lol.

So any guesses as to why my applications got rejected? If yes what can i do to improve the rating.

For the 3 links of credit rating sites can i call/fax/email to get my rating without having to in person.

Help much appreciated, thanks.
ck_tonny
post May 24 2010, 09:03 PM

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Just now went to AEON Bukit Tinggi and saw a citibank banner, platinum card get 5X reward points and gold card get 3X reward points for every ringgit spent in departmental store.
future80
post May 24 2010, 09:10 PM

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QUOTE(hackwire @ May 24 2010, 05:41 PM)
i never pump in petronas. petronas last time ask to leave behind my credit card when i pump petrol . i said cannot knowing that it's dangerous to leave your card to stranger. the staff said its company policy. what to do, in hurry also... warn the girl that if bill wrongly, come back for her.
*
is this applied to others petrol station?

QUOTE(Takuhiro @ May 24 2010, 08:20 PM)
Hi Guys,

My credit card application has been rejected twice

- my p.a income is around 36k+
- Salary is deductible if i take more than 1 day of mc so my payslips will look awkward.
- I've missed payments for my car, which im clearing up. It's not much, but i usually wait to pay bills at the end of the month.
- I've no previous bad credit history unless they take into account my phone bill which i pay every end of the month too, which is usually late lol.

So any guesses as to why my applications got rejected? If yes what can i do to improve the rating.

For the 3 links of credit rating sites can i call/fax/email to get my rating without having to in person.

Help much appreciated, thanks.
*
have you ask them for reason rejected your application?

This post has been edited by future80: May 24 2010, 09:14 PM
roy918
post May 24 2010, 09:19 PM

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QUOTE(Takuhiro @ May 24 2010, 08:20 PM)
Hi Guys,

My credit card application has been rejected twice

- my p.a income is around 36k+
- Salary is deductible if i take more than 1 day of mc so my payslips will look awkward.
- I've missed payments for my car, which im clearing up. It's not much, but i usually wait to pay bills at the end of the month.
- I've no previous bad credit history unless they take into account my phone bill which i pay every end of the month too, which is usually late lol.

So any guesses as to why my applications got rejected? If yes what can i do to improve the rating.

For the 3 links of credit rating sites can i call/fax/email to get my rating without having to in person.

Help much appreciated, thanks.
*
Missed car loan payments already enough to create bad rating in your credit report and it will stay in your report for 12 months.

You can request for your credit report by sending necessary documents to BNM.
» Click to show Spoiler - click again to hide... «


This post has been edited by roy918: May 24 2010, 09:20 PM
hackwire
post May 24 2010, 11:07 PM

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QUOTE(future80 @ May 24 2010, 09:10 PM)
is this applied to others petrol station?

*
i had the same experience twice in petronas and never in other petrol station. weird.
petronas also bad services , so im using shell most of the time.
TSMilesAndMore
post May 24 2010, 11:52 PM

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QUOTE(Takuhiro @ May 24 2010, 08:20 PM)
- I've missed payments for my car, which im clearing up. It's not much, but i usually wait to pay bills at the end of the month.
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.


QUOTE(future80 @ May 24 2010, 09:10 PM)
have you ask them for reason rejected your application?
It is pretty pointless to ask really as it won't state the reason in their computer.

ICDeadPeople
post May 25 2010, 07:59 AM

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Anyone redeem the treat points for maybancard to Sony voucher? Im planning to redeem mine, but not sure whether I have to colect the voucher at maybank or I can just walk in sony store and redeem it.
SUSDavid83
post May 25 2010, 08:05 AM

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QUOTE(ICDeadPeople @ May 25 2010, 07:59 AM)
Anyone redeem the treat points for maybancard to Sony voucher? Im planning to redeem mine, but not sure whether I have to colect the voucher at maybank or I can just walk in sony store and redeem it.
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They'll deliver to you vis courier unless you redeem on the spot at any Sony Style.
yott-chan
post May 25 2010, 10:11 AM

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QUOTE(Takuhiro @ May 24 2010, 08:20 PM)
Hi Guys,

My credit card application has been rejected twice

- my p.a income is around 36k+
- Salary is deductible if i take more than 1 day of mc so my payslips will look awkward.
- I've missed payments for my car, which im clearing up. It's not much, but i usually wait to pay bills at the end of the month.
- I've no previous bad credit history unless they take into account my phone bill which i pay every end of the month too, which is usually late lol.

So any guesses as to why my applications got rejected? If yes what can i do to improve the rating.

For the 3 links of credit rating sites can i call/fax/email to get my rating without having to in person.

Help much appreciated, thanks.
*
either u've missed your car payments or............

when they want to call your office/home, they couldn't verify biggrin.gif
Seng_Kiat
post May 25 2010, 12:18 PM

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guys,

even this I ask over and over, I still dont get the concrete answer. biggrin.gif ...

I own a maybank petronas card (not ikhwan, just a convensional one) about a year plus and also have outstanding balance on it. Issue is, I dont understand how the charge been apply because I have check my maybank2u statement for 4-5 months, no service charge applied on those outstanding.

FYI, I always pay my card at least minimum payment before the due date. Is that the root cause? If that is the case, I would be happy with the current situation. So I dont need to balance transfer to avoid high % of service charge. biggrin.gif.

I hope someone could confirm this. biggrin.gif.

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