I am sorry, might not in the right thread, but since we talk about CC, have you guys heard of EPP for CC. It's like there are companies that offers service on convert our CC outstanding into monthly payment with lower interest. Can get cash some more from the balance left.

Can it be trusted?

hi i m newbie here
i just graduate and gona aply my 1st credit card...

OCBC Titanium seems like a great choice

just wondering about GST rm 50?
coz if spend rm 10k can waive the GST
let say i apply in september, so i have 2 pay rm50 during application for 2010 rite

then when is my next payment for rm 50? during 2011 september o jan 2011?
if it is during sept 2011 then i might can have enuff time to reach 10k so can waive 2011 GST

This post has been edited by titep_shin: Aug 21 2010, 05:03 PM

if your new card is approved this september, you'll be charge RM50 this september
and then RM50 every following september

I think it's illegal. You mean like instead of paying the bank you pay to them or they swipe for you and you pay EPP 0% installment?

My insurance premium is paid annually. Kinda burdening when it is due and we are not yet ready for it.
Luckily CIMB CC offers flexi pay plan to relieve my cash flow.
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overseas code same as in Malaysia?

I m not sure bout the code, but for worldwide dining rebate, it is clearly stated in their website.

This post has been edited by ck_tonny: Aug 21 2010, 07:58 PM

as long the card is named as VISA or MASTERCARD, the MCC code is applicable.

Not exactly sure about HSBC Advance VISA Platinum since this card is still so new. Anyway, for the HSBC Premier MasterCard and the rest of the HSBC Generic credit cards, it all comes with its dedicated credit limit. Credit cards issued by HSBC Amanah is not combined with HSBC credit cards either (if you any any).

I've seen someone having a World Elite Mastercard. He's an American friend of mine. Apparently it is more high end than the World Mastercard. Anyone knows about this?

That's why I chose monthly basis.

Too bad they dont offer Smart Flexi to Islamic card. Only conventional and Direct Access..

If you check Mastercard's website ... the highest card is World Mastercard.
No mention about World Elite Mastercard.

I know monthly is good, but there are some insurance policies which will incur interest charges if the policyholder wishes to pay premium monthly.
With CIMB's interest free 10 months instalment plan, the yearly premium is split to 10 fractions.

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Added on August 22, 2010, 12:32 amIslamic card don't have flexi pay plan? oh that's weird.
Must have something to do with Islamic rules and regulations. Look forward to some explanation by Muslim friends here.

This post has been edited by chemistry: Aug 22 2010, 12:32 AM

Ain't it the same whether you are paying interests to the Insurance co. or Processing fee to DirectAccess ?
Depends which is lesser....

World Elite MasterCard does exist actually but only few banks offer such card.

- Saks Fifth Avenue World Elite MasterCard by HSBC NA
- Ameriprise World Elite MasterCard
- World Elite MasterCard by Bank of Montreal (BMO)

No no no...
Read carefully, the flexi pay plan is absolutely zero interest, no admin charge, no handling fee.

i am now using petronas cimb card and have being used for about 16 months.
How can i increase the credit limit?is it difficult?

Give them a call. There might be a form you need to fill in. You'll have to submit your proof of income to prove you justify for the credit limit increase.

If you go to the correct MasterCard website, there is World Elite.
http://www.mastercard.com/us/personal/en/a...edit/index.html