Good ratings cause they're quite generous with their credit limit. Which can be a double-edged sword if you're not disciplined

I personally keep MBB Amex, MC DA & Visa cherry to collect points / get discounts.

So outstanding credit for credit card means our credit limit or our current balance?

Same question for OD facility.

It's equivalent to 3.75% flat per annum if paid in 4 years. Still cheaper than personal loan and some hire purchase rate out there.

A good BT program will create a new account for your BT amounts instead of piling it in your existing card. DA/CIMB does it and without any upfront fee or interest too

Where did EON bank put the balance? Directly to your EONbank credit card? If yes then I assume that RM48 will go to BT and the rest will go to your current balance. But if they do it this way I'd strongly suggest swiping more on the same card cause the interest calculation wont be transparent.

I personally do not have any experience with BT other than DA. They did it like this :

Say limit is RM5000, I BT from other cards RM3000.

My DA card now will have a RM2000 limit but a separate account was created to handle BT (with RM3000 balance). So when I pay I have to pay to 2 different accounts.

Maybank Treats Fair - 8-11th July 2010
http://www.treatsfair.com/v1/

Wonder how funny it will be for me to have a plasectomy there instead ...

For CIMB, no

But it's considered as balance transfer. I dont really know how do you transfer 'credit limit'

Btw am only referring to their 0% 6-months BT program that I participated in.

This post has been edited by Syd G: May 21 2010, 03:50 PM

That's an offense and reportable to Visa International.

@polemic
You got BT with that card?

^Annual fee is RM195/month. And Rm50 GST.

http://www.citibank.com.my/MYGCB/APPS/port....htm#creditcard

Cash rebate shall be credited into your account when the accumulated cash rebate for a particular month reaches RM50, otherwise the cash back will be carried forward to the next month.

Meh.

Sorry, per year

Wonder whats the annual income requirement like.

Yes

That's prolly one of the reasons why I havent cancel my DA CC

You'll get approved but will share the same credit limit with your first card.

In addition, you have to pay another RM50 GST yearly as well

Maximum liability is RM250 so you still suffer some loss.

Why does the blandness of the cashback card design matter?

Besides the Smart Flexi-Pay Plan, the BT is prolly one of the best feature of CIMB cards

More interested in Smart Flexi-Pay Plan for baby's unexpected hospital expenses

They offer 1% for 12 months... meaning 1% monthly or..?

Of course, if you're above the income requirement

Went to TreatsFair and claimed stuff for all my points. Imagine the look on a cc pusher's face when I asked 'So.. where can I cancel my card?'

Bye bye Petronas Visa. Keeping Visa Cherry, DA MC and Amex Gold onli

If you read 'The Millionaire Next Door', most of them dont use cc

1) CIMB, Malaysia

2) It's quite...self-explanatory in that image...

3) It uses Mastercard Securecode so it's more secured than non-Securecoded transactions out there.