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 Credit Card v10

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alexwsk
post May 8 2010, 02:50 PM

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QUOTE(Seng_Kiat @ May 8 2010, 01:55 PM)
Guys,
Quoted from http://www.creditcardfinder.com.au/balance...edit-cards#best

Recently, I took Eon CC Balance Transfer to transfer balance from other bank. It is 48 months plan with 14.99% one-time interest. I have transferred about RM2000 to the card and pay monthly about RM42 (except for 1st month, pay RM300 for the one time interest).

I have a question here. If let say I use the card for a purchase worth RM100, and I pay RM148 before the due date, will RM48 goes to BT and RM100 to the purchase I made? Or all of them go to BT until I settle it?

Thanks.
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wow, 14.99% one time interest shocking.gif
can't you get a better deal somewhere else
alexwsk
post May 8 2010, 11:59 PM

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QUOTE(Seng_Kiat @ May 8 2010, 04:15 PM)
It is actually 14.99% for 48 months which is equal to 3.75% p.a.
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ic, pbb is having 24 months 5%, which is lesser but with shorter duration
alexwsk
post May 9 2010, 04:17 AM

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QUOTE(Shinichi @ May 9 2010, 01:17 AM)
Hi all, I read somewhere if to apply CC in Singapore, those under employment pass will need at least SGD60K to qualify, is this correct?

Thanks.
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not really, DBS has one for SGD45k
http://www.dbs.com/sg/personal/cards/dbs_c...details&cardall
alexwsk
post May 9 2010, 03:19 PM

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QUOTE(Shinichi @ May 9 2010, 10:42 AM)
Thanks Alex. Seems like the requirement is still high for me...  Just curious is there any Free for Life CC in SG?
Anyway I don't think it is feasible to use Msia CC in SG right?
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i guess you can always go for debit card then although I'm not too sure bout dc in SG
i normally use US debit card while I'm in US, though nowadays i'm using my PBB cc coz it's just short term plus lazy to buy paypal funds

unless you get paid in that country's currency, else no point using their cc/dc
i assume you'll be working in SG for the near future

Added on May 9, 2010, 3:34 pm
QUOTE(hye @ May 9 2010, 12:15 PM)
* I always laugh at those who just started using cc when they say don't want to pay Interbank fees which are RM2. In early 2000, they are RM5. You want to save on RM2 but don't mind spending petrol and parking to go to the bank. Even walking to the bank is an opportunity fee ... I used to skip lunch just to pay my bills, now I do it @ night from the comfort of my home.
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hey, you are talking bout me mad.gif
just kidding, but i do open basic savings account and online banking with the all the banks which I hold my cc and since my monthly company claims is in cheque, i bank in to the sa and use it to pay off the cc

This post has been edited by alexwsk: May 9 2010, 03:34 PM
alexwsk
post May 11 2010, 02:16 AM

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QUOTE(jonuslee @ May 11 2010, 12:59 AM)
Does the DA platinum credit is very high? more than 10k?
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if not mistaken, minimum CL is 20k or 22k
alexwsk
post May 11 2010, 04:30 AM

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QUOTE(krylicius @ May 11 2010, 02:57 AM)
A question.. icon_question.gif

If one applies a first cc from CIMB,what are the chances that it gets approved?..no loans,no credit cards yet..
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if you meet the minimum income requirement, 99% no problem
alexwsk
post May 11 2010, 04:56 AM

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QUOTE(winner @ May 11 2010, 04:39 AM)
20k was the old figure. It is much lower nowadays.
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oh yea, that was b4 the gst biggrin.gif
alexwsk
post May 11 2010, 06:29 AM

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QUOTE(winner @ May 11 2010, 05:04 AM)
Generally, most banks do not have minimum CL nowadays.
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hehe, so sooner all banks start from plat laugh.gif

This post has been edited by alexwsk: May 11 2010, 06:30 AM
alexwsk
post May 13 2010, 08:53 PM

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QUOTE(cenkudu @ May 13 2010, 08:20 PM)
redeem 10k points from SCB for service tax waiver and the following months they will give 11k points  rclxms.gif
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issit, let me try next month

Added on May 13, 2010, 8:55 pm
QUOTE(Darren @ May 13 2010, 05:12 PM)
Depends..

Citibank called me once when I bought tickets online. However, that wasnt my first ticket purchase and even that was being asked after the ticket owner took his flight. SCB never bothered to call when I bought tickets online for 6k.
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if 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
alexwsk
post May 14 2010, 10:55 AM

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QUOTE(hihihehe @ May 14 2010, 10:47 AM)
oic..they did not provide student option like other contries do sad.gif
but then thanks  smile.gif
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you sure other countries provide credit card?
i thk it's all debit card

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
alexwsk
post May 15 2010, 09:56 AM

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QUOTE(hye @ May 14 2010, 02:51 PM)
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.
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yea i know, but i remembered got forummer said can do it at certain stations
maybe I remembered wrongly and i can't seems to find the post
alexwsk
post May 16 2010, 07:14 PM

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QUOTE(shakiraa @ May 16 2010, 04:43 PM)
bro hye and skincladalien, thanks for your information.

yeah agree that they dont publish their forex rate might have some charge bake in for those that claim they dont have the so call admin fee.

so from your experience bro, which bank consistently having lower forex rate when shopping overseas?

can add in the first page of thread for newbie like me for reference in future.

thanks again.
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i know for sure SCB is higher than PBB
alexwsk
post May 19 2010, 06:42 PM

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QUOTE(hye @ May 19 2010, 06:07 PM)
Interesting info ...
Likely Citibank will be tight lipped about it until it is launched. Coz if it leaks out prior to launching, Citibank likely to launch an internal investigation against its staff and staff might lose his/her job. Even the Citibank's media agency will have similar instructions or risk contract breach / termination.

My advise ... just wait patiently for the product launch. Don't trouble people asking to leak out pre-product launch info.
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yup, june is not that far away tongue.gif
alexwsk
post May 19 2010, 09:05 PM

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QUOTE(yhtan @ May 19 2010, 08:50 PM)
may i ask what's the extra benefit?
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more cash back % brows.gif
alexwsk
post May 20 2010, 02:43 PM

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QUOTE(sheffbatik @ May 20 2010, 01:47 PM)
hi guys, what the best credit card to apply nowdays? im new to this credit card. both visa n mastercard are accepted oversea right? which one is most accepted?
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no difference between master and visa, if they accept one, they'll accept both
alexwsk
post May 20 2010, 03:25 PM

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QUOTE(MilesAndMore @ May 20 2010, 03:04 PM)
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.
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i just came back from San Francisco last week, din notice any shops which accept one and not the other
alexwsk
post May 20 2010, 05:06 PM

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QUOTE(MilesAndMore @ May 20 2010, 04:50 PM)
United States is so big. You need to go to other places to realise this.
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true enuf, and CA is one of the "advanced" state in US
alexwsk
post May 25 2010, 04:28 PM

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QUOTE(hye @ May 25 2010, 03:48 PM)
The Citibank New Platinum Cash Back Card
Here (Source : TheStar 25th May)
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hopefully no need carry forward balance rolleyes.gif
alexwsk
post May 25 2010, 05:01 PM

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QUOTE(leongal @ May 25 2010, 04:56 PM)
i am a maybank credit card holder, if i refer someone to take up a maybank credit card, is there any reward for me? like referral benefits?
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dun thk so
alexwsk
post May 26 2010, 09:39 AM

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QUOTE(winner @ May 26 2010, 02:52 AM)
It doesn't really excite me much:
1) I presume no reward points will be given
2) 0.3% cash back for "other" spending is simply too little
3) For grocery and telecommunication bills, Amex Gold cc gives 5x points which is equivalent to 2.5% cash back vs Citibank 2.0% cash rebate

Nevertheless, the 5% rebate for petrol is deemed good!
*
hmm, maybe i will get this for petrol only
for everything eles, there's JustOne and AMEX Gold biggrin.gif
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