ya, I did read. for his case AMEX suits him more.

I'm just talking on general basis la..


For high income group of course they will spend more on petrol. but considering the amount that they spend on others, petrol expenses might be about 10% or even less than that.

The point I was making was that AMEX charged card with Turbo Points gives minimum 1.5% for whatever charges. I think that's what Darkmage12 was pointing out. However I need to point out that there is a RM100 fee for turbo points, and therefore one needs to spend more than RM20,000 per year to benefit from Turbo points.

A lot of people here say AMEX not widely accepted, well I don't really have that problem as most places I patronize accept AMEX (this include all major department stores & hypermarkets). Even bought a new engine for my car with AMEX.

For my BB using DiGi, I get 5X MR points ( equals to 2.5% cash back) on top of the RM5 rebate for using autodebit with AMEX Gold CC Too lazy to go Maxis and Celcom to transfer payment to AMEX and get 5X MR points.... yah I have many lines in my name with 3 telcos.

Last weekend at Pasta Zamai 1U got free oysters for using AMEX (charge more than RM100) which is better than using Visa or MC but at MPH use DA MC as got 5% rebate Anyway if don't accept Amex still got my Alliance Plat MC which also gives cash back (just as a note petrol also gets cash back but no points) but got monthly cap of RM68+ or whatever card that have offer.

I just want to point out that AMEX gives the best reward in terms of cash back (no expiry or monthly cap) but it may not necessarily be suitable for all.

This post has been edited by Gen-X: Jun 14 2010, 10:06 PM

Yeah..so far I saw AMEX giving the best benefits..unfortunately, I can't get it..I try to get Hong Leong Bank AMEX, but the officer said, its not widely accept..lol..

No no no, dont get HLB AMEX, it is useless. Get AMEX AMEX Gold Credit Card (without any bank logo) to get 5X reward for petrol, groceries and utilities.

last time I have AMEX but I cancel already due to rm50 government tax.

ya i do agreed that AMEX offers best rewards

I mainly use my card for utilities, government assessment, quit rent payments, where AMEX is not accepted. for my personal use, my own spending is too little to get much benefit from AMEX

regarding to expresspay (autopayment) by AMEX, is it necessary that the autodebit account holder, ie digi, must be the same person as the card holder? in another word, can i opt for autopayment for other people's digi bill?



paiseh ah I dont know about the turbo points

If you in Selangor, you can use AMEX to pay assessments but not quit rent. In Selangor assessment much more than quit rent. TNB accept AMEX lah.

Don't know about autodebit for others, but you can give her/him a supp card but then got to pay RM25 tax. However if the person paying cash, DiGi with autodebit you get RM5 rebate per month (for my BB case) and that's RM60 off a year not including 5X reward points for AMEX Gold Credit Card.

Turbo points for Charged Card only.

This post has been edited by Gen-X: Jun 14 2010, 11:07 PM

i just got cimb islamic petronas cc.

can anyone tell me what is Yearly Facility Charges?

YFC = RM24000? do i have to pay rm24000 every year? and it says will be charged on monthly basis. so every month have to pay rm2000?

cannot understand the terms & condition

It means the maximum interest you will be charged each year is 24k.

want to ask gurus here.
planning to buy a tv.
and would like to opt for 0% interest.
can i just simply apply for a new card solely just for this purpose?

since i have rm2000 outstanding amount on my current cimb credit card, can i apply for a new one? i dun wan to use my cimb card to buy the tv.

plan to apply a new card, swipe for the tv, and just tear-off the new card (means never use them again).
after settle the installment (12 months after), get rip of that card.

can i do this?

Can you show me the link? as I know..only Maybank have Amex Gold Credit Card..
Besides AMEX and Alliance, which other bank have better benefits in term of cash rebate and reward point?

This post has been edited by Lineage: Jun 15 2010, 07:50 AM

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

Yeah, this is what I applied and get declined..
Not sure why declined me..

Sometimes I really dislike myself and banks.

The recent late charges and interest imposed (i think almost 1 year +) really high and sukc people.

I forgot to pay my Ambank card on due date and only realised on day 4. Was charged on late charges RM39 and interest of RM44+.

I made full payment on day 4 after realised...

Last time before this implementation, late interest was just charged until date of full payment.

Now it is calculated till the next billing cycle regardless when you made the payment.

call them n ask for waiver in late payment...i do it most of the times n it works but not ambank la

Can just that ur account will still be there and you need to pay for the RM50 taxes

already e-mailed and they mentioned they will grand 3 days from due date but mine was paid on day 4. So can't give any.

Wanted to tell them, please cancel the card.

You tell them want to cancel the card they might waive for you

yupz...threaten them haha...

i forgot to paid for my alliance n citibank

both willingly waive it w/o say anything further...

Gentlemen

The whole idea to pay on time and of course by doing so, avoid the additional charges. I don't think it's wise to send a signal here that you could get away with late payment by threatening the banks. Sometimes you may genuinely forget to pay but still ... please accept that a mistake has been made.

besides of the trolley bag what else this citibank promoter is giving... the bag is ugly,,,