Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed
126 Pages « < 83 84 85 86 87 > » Bottom

Outline · [ Standard ] · Linear+

 Credit Card v11

views
     
winner
post Sep 26 2010, 09:13 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(zenquix @ Sep 26 2010, 08:41 PM)
you could bt to your ocbc titanium. it has a 0% BT offer as well
*
I have done enough research and comparisons before I decided to apply for DA VI. OCBC 0% interest BT promotion is not as good as BT programme from CIMB/DA, due to the following reasons:

1. OCBC allows you to transfer up to only 60% of your available CL, whereas you are allowed to transfer an outstanding balance of up to 100% of your available CL in CIMB/DA to CIMB/DA.
2. Under the OCBC BT programme, you need to settle a monthly fixed installment in order to avoid interest, whereas CIMB/DA BT allows you to pay only minimum payment every month without charging interest. You only need to settle in full in the 6th/7th month.
ck3lam
post Sep 26 2010, 09:48 PM

Getting Started
**
Junior Member
172 posts

Joined: Jan 2007
QUOTE(samquah @ Sep 26 2010, 08:23 PM)
which cc shall i apply to transfer my existing balance in citibank?
which cc will give the similar CL as my citibank which is rm30K

wanna transfer as can save some interest
*
Some of the balance transfer I know.

MBF with 12months 0% interest but with condition of minimum RM300 spend per month. Otherwise I think RM20 will be charged to your acc. Combining all your bills and necessary spending like groceries and petrol, the target is easily reached.
RM300 will give you 90 points (not even equivalent to RM1).
For a year, you will receive 1080 points (roughly RM10 more or less)
Max: 7.5k

OCBC Ti will give u 6 months 0% with rebates on your bills, groceries, petrol.
RM300 will give you RM15 rebate.
For a year, you will receive RM180 rebate but after half year you will need to find another BT offer.
Max: 60% of CL

Other banks seem to charge with low interest rate or 1-time upfront charge, 2% and above. CIMB also has one BT offer but I haven't look at it yet.

It will be better for you to change from one BT to another, troublesome a bit but no more interest add on. But then you may need to apply CC every 3 to 6 months.

This post has been edited by ck3lam: Sep 26 2010, 10:25 PM
almeizer
post Sep 26 2010, 09:58 PM

Enthusiast
*****
Senior Member
941 posts

Joined: Aug 2008


QUOTE(samquah @ Sep 26 2010, 08:23 PM)
which cc shall i apply to transfer my existing balance in citibank?
which cc will give the similar CL as my citibank which is rm30K

wanna transfer as can save some interest
*
Public bank BT as follow :

6 months - 0%
12 months - 1.5% (1 time charge)
24 months - 5% (1 time charge)


Anyway, I apply my PB CC by using Citibank CC and it give me higher CL than Citibank.
radi0head
post Sep 26 2010, 10:25 PM

A Shocker
*******
Senior Member
2,759 posts

Joined: Jan 2009
hi. i found a discrepancy in my statement... it's like this...

i do have accumulated bonus points in my credit card account... and i know i can use the bonus points to offset the gov service tax and my last expired date is on 9/9/2010 and my last redeem date is on 10/10/2010...

and then, this month i received a statement and found out that my bonus points are NIL! and the last redeem date column also are NIL too!

well, i tried login into cimb clicks but i cant find any bonus points inside... anybody can tell me what's the 'Bonus Points (BP) B/F' and 'Bonus Points (BP) C/F' means? it's written under the statement on the bottom right hand corner...

o yah... it's a CIMB credit card...

wink.gif

joongieforeva
post Sep 26 2010, 10:28 PM

Getting Started
**
Junior Member
91 posts

Joined: Apr 2009
i plan to apply credit card but i'm not sure which bank
which bank provide the fastest service and safest?
any idea?


jutamind
post Sep 26 2010, 10:44 PM

Look at all my stars!!
*******
Senior Member
2,429 posts

Joined: Jul 2007
QUOTE(ck3lam @ Sep 26 2010, 04:49 PM)
After I re-re-recheck with a few CS, looks like OCBC Ti doesn't seems as good as it is.
Some Auto debit will have a different MCC, so it is not guaranteed that you will get the 5%. Swiping through merchant terminal is 100%. However, according to CS, so far there is no problem with utilities bills via autopay but there are exception. Some online payment may have different MCC.

For petrol station, 5% rebate only applicable for petrol and not purchase made at the corresponding shop/mart.

For groceries, so far only Giant is confirmed. Others like Tesco, Jusco, C4 may consider under departmental store MCC. You may not guaranteed to get rebate from it. The CS told me to try on these shops, and you will know from the next statement.

For dining, only restaurant (most of it) are eligible. But you will not get 5% rebate for cafe like Starbucks, coffee bean and so on.

For those who are getting the first statement this month, do share with us which merchant is entitled for 5%.

All I can say is Good Luck everyone!
someone got 5% from tesco, tesco express and esso using his Ti card. jusco is 1%. if you read chinese, here's the link: http://cforum.cari.com.my/viewthread.php?t...&extra=page%3D1

jack2
post Sep 26 2010, 10:44 PM

Mr
********
All Stars
15,192 posts

Joined: Oct 2004
wonder if paying TM through tmonline is grouped under the 5% merchandise...
samquah
post Sep 26 2010, 10:53 PM

On my way
****
Senior Member
603 posts

Joined: Aug 2005


for cimb cc,
how to waive the annual fees? i noticed they have set some charges on certain min amount must be used in order to waive the fees...

other cc like citibank just use 12 times can already waive
chemistry
post Sep 26 2010, 10:55 PM

Look at all my stars!!
*******
Senior Member
3,065 posts

Joined: Mar 2009
From: N.Sembilan


QUOTE(samquah @ Sep 26 2010, 10:53 PM)
for cimb cc,
how to waive the annual fees? i noticed they have set some charges on certain min amount must be used in order to waive the fees...

other cc like citibank just use 12 times can already waive
*
which cimb cc are u holding? i thot most of them are free for life without condition.
wirelessdude
post Sep 26 2010, 10:59 PM

On my way
****
Senior Member
594 posts

Joined: Jan 2003
From: KL


QUOTE(MilesAndMore @ Sep 26 2010, 04:20 PM)
But the other two guys who applied last week did not show their income document. They basically just gave them their existing HSBC credit card and that was it.
*
Maybe it had to do with the usage of my existing CIMB Enrich card. I've charged about RM80k this year and settled them in full every month.
samquah
post Sep 26 2010, 11:04 PM

On my way
****
Senior Member
603 posts

Joined: Aug 2005


QUOTE(chemistry @ Sep 26 2010, 10:55 PM)
which cimb cc are u holding? i thot most of them are free for life without condition.
*
i dont have a cimb cc. plan to apply to do BT

i checked the cimb website but only those high leve card like platinum n world card is free for life

gold card got annual fee sad.gif

and at cimb website..i cannot find any details on the balance transfer
and they say cimb need income documents...cannot apply using other cc as reference?

This post has been edited by samquah: Sep 26 2010, 11:10 PM
ck3lam
post Sep 26 2010, 11:09 PM

Getting Started
**
Junior Member
172 posts

Joined: Jan 2007
QUOTE(jutamind @ Sep 26 2010, 10:44 PM)
someone got 5% from tesco, tesco express and esso using his Ti card. jusco is 1%. if you read chinese, here's the link: http://cforum.cari.com.my/viewthread.php?t...&extra=page%3D1
*
Good news for tesco. But he spent on jusco departmental store and not the supermarket. Not sure does it make a difference or not.
Too bad I don't have JustOne (I guess it is no longer offered), the current Ambank promotion still not bad for Jusco.
travelyew
post Sep 26 2010, 11:13 PM

Getting Started
**
Junior Member
241 posts

Joined: Dec 2006


QUOTE(jutamind @ Sep 26 2010, 10:44 PM)
someone got 5% from tesco, tesco express and esso using his Ti card. jusco is 1%. if you read chinese, here's the link: http://cforum.cari.com.my/viewthread.php?t...&extra=page%3D1
*
How about carrefour??
No body mention about it...
ck3lam
post Sep 26 2010, 11:18 PM

Getting Started
**
Junior Member
172 posts

Joined: Jan 2007
QUOTE(jack2 @ Sep 26 2010, 10:44 PM)
wonder if paying TM through tmonline is grouped under the 5% merchandise...
*
Someone has to try it. But if you do auto billing, you got discount from TM. Assuming u spent RM100 monthly, online payment will only give you RM5 rebate if MCC is correct. Auto billing will give you RM9 (RM4+5%) if MCC is correct.

Same as postpaid bill (like digi) which will give u RM5 rebate for auto billing.

de.crystal
post Sep 26 2010, 11:21 PM

Regular
******
Senior Member
1,106 posts

Joined: Apr 2009
has anyone upgraded their card from DA plat to DA wMC b4? if so, whats the chances of successful?
ck3lam
post Sep 26 2010, 11:21 PM

Getting Started
**
Junior Member
172 posts

Joined: Jan 2007
QUOTE(travelyew @ Sep 26 2010, 11:13 PM)
How about carrefour??
No body mention about it...
*
In my opinion, C4, tesco, giant are all under one place, so by right they should have the same MCC while jusco normally split into 2 or 3 sections, so it could have different MCC. Well, just have to try tongue.gif
Kyle_22
post Sep 26 2010, 11:27 PM

New Member
*
Junior Member
16 posts

Joined: Mar 2008
QUOTE(de.crystal @ Sep 26 2010, 11:21 PM)
has anyone upgraded their card from DA plat to DA wMC b4? if so, whats the chances of successful?
*
Yeah, I'm interested about that too...not sure if the HSBC 30K limit can apply...somemore not sure if need to hold the HSBC for at least 12 months
travelyew
post Sep 26 2010, 11:28 PM

Getting Started
**
Junior Member
241 posts

Joined: Dec 2006


Just saw a advertisement by public bank at esso with new cc i.e. public esso card which up to 8% discount for esso petrol.
But i can't find any info on public bank website.
chemistry
post Sep 26 2010, 11:30 PM

Look at all my stars!!
*******
Senior Member
3,065 posts

Joined: Mar 2009
From: N.Sembilan


QUOTE(travelyew @ Sep 26 2010, 11:28 PM)
Just saw a advertisement by public bank at esso with new cc i.e. public esso card which up to 8% discount for esso petrol.
But i can't find any info on public bank website.
*
Someone was talking about this card too, in Debit Card thread.
travelyew
post Sep 26 2010, 11:31 PM

Getting Started
**
Junior Member
241 posts

Joined: Dec 2006


QUOTE(ck3lam @ Sep 26 2010, 11:21 PM)
In my opinion, C4, tesco, giant are all under one place, so by right they should have the same MCC while jusco normally split into 2 or 3 sections, so it could have different MCC. Well, just have to try tongue.gif
*
Hopefully C4 is in 5%, coz i normally go there...


126 Pages « < 83 84 85 86 87 > » Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
0.0302sec    0.25    6 queries    GZIP Disabled
Time is now: 6th December 2025 - 06:27 AM