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> Credit Card v11

vexus
post Sep 29 2010, 07:21 PM


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anyone here subscribe to maybank CPP card protection ?

http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions


CODE
Enjoy worldwide card assistance 24 hours a day, 365 days a year!
CPP Card Protection Premier is here to safeguard your cards and much more.

   * One free call to cancel all lost bank cards, i.e. ATM, credit cards, etc
   * Up to RM300,000 card fraud protection
   * Up to RM1,000 replacement costs of identity card, passport and cards
   * Up to RM375 replacement costs of wallet or purse
   * Overseas emergency travel assistance including advances for cash, hotel and travel ticket expenses
   * 24-hour worldwide assistance by professional multi-lingual service representatives


membership rm98 per annum.

Is it really useful ?

this bloody maybank sales person keep on calling me.

This post has been edited by vexus: Sep 29 2010, 07:25 PM
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jtcs87
post Sep 29 2010, 07:46 PM


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QUOTE(Reventon @ Sep 29 2010, 07:20 PM)
IF can provide the EPF statement is the best, but IF without the EPF , one should be able to apply as well but those bank i mention above is more lenient and not as strict as some bank like MBB , HSBC etc... so you can ask your friend to try his luck on those bank stated above.
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Because he is doing those sales job one.. No EPF one.. rclxub.gif

If let say he own the other bank CC then can he go to apply the MBB those card again? rclxub.gif
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tzeling
post Sep 29 2010, 07:52 PM


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Is anyone using Citibank's AirAsia Gold MasterCard? Is it good?
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alexwsk
post Sep 29 2010, 08:02 PM


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QUOTE(vexus @ Sep 29 2010, 07:21 PM)
anyone here subscribe to maybank CPP card protection ?

http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions
CODE
Enjoy worldwide card assistance 24 hours a day, 365 days a year!
CPP Card Protection Premier is here to safeguard your cards and much more.

   * One free call to cancel all lost bank cards, i.e. ATM, credit cards, etc
   * Up to RM300,000 card fraud protection
   * Up to RM1,000 replacement costs of identity card, passport and cards
   * Up to RM375 replacement costs of wallet or purse
   * Overseas emergency travel assistance including advances for cash, hotel and travel ticket expenses
   * 24-hour worldwide assistance by professional multi-lingual service representatives


membership rm98 per annum.

Is it really useful ?

this bloody maybank sales person keep on calling me.
*
fraud protection = useless, oledi protected as per BNM rules
the rest is up to you

if you own MasterCard, get freeppp here for one year
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ben83
post Sep 29 2010, 08:12 PM


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Is UOB Lady's Platinum MC is really platinum cc or is it just by name only?
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ck3lam
post Sep 29 2010, 08:54 PM


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QUOTE(siutimtim @ Sep 29 2010, 04:02 PM)
even you are the first few, they still can change it to other preferred users after referring to the card records... hahaha.,, sure got filter one...
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I would think that the bank will not waste their manpower to review one by one. The computer system should do all the jobs and I don't think the system will make it that complicated. The easiest way to filter out is based on sms time entry and the cardholder meets the eligible criteria.
Maybe the staff will just double confirm the result.

QUOTE(jasontoh @ Sep 29 2010, 04:20 PM)
Same here. I think only iPod shuffle. I thought there is only one winner on both occasion, meaning, you win in July and August, but can entitled for one only. I'm also getting confirmation like 45 minutes later although the server should received by 9.00am sharp because I got the delivery status once I sent


Added on September 29, 2010, 4:22 pm
I've sent multiple copies since 8.59am. Still cannot get. Anyway, I think the winners list are fake, at least look quite fake to me
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Only if you received the confirmation sms at 9:00am only got chance. One of the forumer in 'cari' won a Mac.
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rockefeller
post Sep 29 2010, 09:36 PM


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QUOTE(MilesAndMore @ Sep 29 2010, 01:59 PM)
Spoke to a customer service officer. They do have my record and my application apparently is marked "canceled" and not "application rejected". I was also informed that the 1-hour instant card issuance for the World and Infinite card series at Pavillion, Plaza Damansara and Menara Bumiputra Commerce is not a limited time offer but a permanent special service at those mentioned places.
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Good for you, in this case you can reapply sooner than 6 months biggrin.gif
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MilesAndMore
post Sep 29 2010, 09:53 PM


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QUOTE(rockefeller @ Sep 29 2010, 09:36 PM)
Good for you, in this case you can reapply sooner than 6 months biggrin.gif
Yeah yeah. But i will only try again next year smile.gif

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ankleguy2003
post Sep 29 2010, 10:09 PM


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QUOTE(jasontoh @ Sep 29 2010, 04:20 PM)
Same here. I think only iPod shuffle. I thought there is only one winner on both occasion, meaning, you win in July and August, but can entitled for one only. I'm also getting confirmation like 45 minutes later although the server should received by 9.00am sharp because I got the delivery status once I sent


Added on September 29, 2010, 4:22 pm
I've sent multiple copies since 8.59am. Still cannot get. Anyway, I think the winners list are fake, at least look quite fake to me


Added on September 29, 2010, 4:25 pm
Think the process is not transparent enough
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doh.gif
Usual card issuers' processes in selecting winners: -
1) End of contest.
2) Based upon T&Cs, a pool of possbile winners selected
3) Check card history; ie. payment records; Check other T&Cs (ie. winner must not be family members etc etc etc
4) Final selection; winners are selected in the presence of Bank's Internal Auditor.

Moral of the story..............If you are lucky, you will get it. If you are not, too bad biggrin.gif

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charymsylyn
post Sep 29 2010, 10:22 PM


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QUOTE(cyie @ Sep 29 2010, 03:41 PM)
For OCBC Titanium Card, I would say I received pretty good services from them after I called to ask the status of my application after a month in 'under processing' status.(This is due to unclear copy of IC)
They called to inform me that the card is approved on last Monday and will send out on Tuesday. And today I received sms saying the card is on its way to me, to call them if I havent receive the card in 7 working days. At least, I can keep in track of what's happening... :clap:
Wonder of this is the same for everyone....
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No, at least not for me. 5 weeks after submitting documents, I'm still in processing status. According to their CS, my docs are OK, just the CC dept have not decided whether want to approve me or not. :w


Added on September 29, 2010, 10:42 pm
QUOTE(Seng_Kiat @ Sep 29 2010, 05:16 PM)
guys,

in your maybank cc statement right, do you see any interest charge if we are not settling all the balance? mine, i cannot see any ..
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You can only see in the printed statement or online statement, M2U normal transactions will not show.

This post has been edited by charymsylyn: Sep 29 2010, 10:42 PM
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Kyle_22
post Sep 29 2010, 11:37 PM


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QUOTE(jasontoh @ Sep 29 2010, 04:20 PM)
Same here. I think only iPod shuffle. I thought there is only one winner on both occasion, meaning, you win in July and August, but can entitled for one only. I'm also getting confirmation like 45 minutes later although the server should received by 9.00am sharp because I got the delivery status once I sent


Added on September 29, 2010, 4:22 pm
I've sent multiple copies since 8.59am. Still cannot get. Anyway, I think the winners list are fake, at least look quite fake to me


Added on September 29, 2010, 4:25 pm
Think the process is not transparent enough
*
I received a reply back exactly 9.00am sharp. still iPod Shuffle. I seriously question how they select winners?!


Added on September 30, 2010, 12:15 am
QUOTE(MilesAndMore @ Sep 29 2010, 01:59 PM)
Spoke to a customer service officer. They do have my record and my application apparently is marked "canceled" and not "application rejected". I was also informed that the 1-hour instant card issuance for the World and Infinite card series at Pavillion, Plaza Damansara and Menara Bumiputra Commerce is not a limited time offer but a permanent special service at those mentioned places.
*
MilesAndMore,
Did they mention tho, if they're still gonna accept HSBC 30K, Citibank 50K limit cards? Sounds like a limited time offer smile.gif

This post has been edited by Kyle_22: Sep 30 2010, 12:15 AM
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tzeling
post Sep 30 2010, 12:43 AM


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Can anyone kindly comment/feedback about Citibank's Shell Gold Card and AirAsia Gold MasterCard?
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MilesAndMore
post Sep 30 2010, 12:46 AM


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QUOTE(Kyle_22 @ Sep 29 2010, 11:37 PM)
MilesAndMore,
Did they mention tho, if they're still gonna accept HSBC 30K, Citibank 50K limit cards? Sounds like a limited time offer smile.gif
Sorry. Did not ask them about that. Anyway, i doubt they know it. Someone called them last week and was told he must submit his income document which is not exactly true. At least not to those few who managed to get World MasterCard/VISA Infinite simply by giving them their HSBC credit card as a reference and no income document.

This post has been edited by MilesAndMore: Sep 30 2010, 12:47 AM
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siutimtim
post Sep 30 2010, 02:03 AM


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QUOTE(MilesAndMore @ Sep 30 2010, 12:46 AM)
Sorry. Did not ask them about that. Anyway, i doubt they know it. Someone called them last week and was told he must submit his income document which is not exactly true. At least not to those few who managed to get World MasterCard/VISA Infinite simply by giving them their HSBC credit card as a reference and no income document.
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my dad also got ask them is it hsbc card holder surely can get approve but the girl tell my dad they still need to check by damansara branch and no guarantee one le..my dad say they can easily find out whether you are really earn big income yearly or not by looking the home loan,HP and credit give by banks wo.. not sure correct or not lo..haha

my brother also got hsbc plat card and apply also not kena reject wo... his record is clean one also le..
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zenquix
post Sep 30 2010, 02:31 AM


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QUOTE(winner @ Sep 29 2010, 09:29 AM)
An update on the forex exchange rate when I used my cards in Shanghai 2 weeks ago.

OCBC cedit MC: Renminbi 1 = RM 0.4750
Alliance debit MC: Renminbi 1 = RM 0.4618*

* Note: I withdrew money from my Alliance debit card via ATM in Shanghai. There was a service charge of RM8 per transaction. The exchange rate above does not include the service charge.
*
That is a very good rate for the alliance debit card. Too bad the credit card's rates are crap. Though to be fair, I have not used them for overseas transactions lately. Maybe they fixed something?
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0misae0
post Sep 30 2010, 06:18 AM


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QUOTE(ben83 @ Sep 29 2010, 08:12 PM)
Is UOB Lady's Platinum MC is really platinum cc or is it just by name only?
*
yes, uob lady's platinum is platinum card. it is really useable for women in shopping if you need special promotion in lady's products. Men don't get it. biggrin.gif


Added on September 30, 2010, 6:25 am
QUOTE(tzeling @ Sep 30 2010, 12:43 AM)
Can anyone kindly comment/feedback about Citibank's Shell Gold Card and AirAsia Gold MasterCard?
*
AirAsia-Citibank Credit Card
1) Your everyday spending earns you free flights with the new AirAsia-Citibank credit card
2) Redeem points against flights, fuel surcharges and more
3) Enjoy additional exclusive privileges such as Priority Booking, Special Fares and AirAsia-Citibank Gold credit card privileges

Shell Citibank Credit Card
1) Up to 5% rebate on Shell fuel and 1.5% on any other purchases
2) Exclusive Citibank Gold Privileges
3) Gold-On-Call Assistance

So Tzeling, you are moving from 1 place to another place using car or plane? citibank's cards design their card to suit your requirement's needed.

This post has been edited by 0misae0: Sep 30 2010, 06:25 AM
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elnino
post Sep 30 2010, 07:18 AM


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Hi,

Recently I made a RM2k+ swipe for my mom's medical bill due to emergency, however I can only pay back at most extra RM500 per month. Previously I had never used my CC for other than petrol, thus I manage to pay in full each month. My question is:

1) Will it effect my CCRIS record?Or is it as long as I pay more than the minimum amount each month, my CCRIS will still be "0"?I'm not very clear on how CCRIS works. Hopefully someone could explain it. Thanks in advance.
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hye
post Sep 30 2010, 07:25 AM


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QUOTE(elnino @ Sep 30 2010, 07:18 AM)
Hi,

Recently I made a RM2k+ swipe for my mom's medical bill due to emergency, however I can only pay back at most extra RM500 per month. Previously I had never used my CC for other than petrol, thus I manage to pay in full each month. My question is:

1) Will it effect my CCRIS record?Or is it as long as I pay more than the minimum amount each month, my CCRIS will still be "0"?I'm not very clear on how CCRIS works. Hopefully someone could explain it. Thanks in advance.
*
I like this question this time.
Not an issue on your CCRIS so long you made payment on time.
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tgeoklin
post Sep 30 2010, 07:56 AM


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QUOTE(ben83 @ Sep 29 2010, 08:12 PM)
Is UOB Lady's Platinum MC is really platinum cc or is it just by name only?
*
YES, its definitely a plat card and other than the Mbf Lady Plat card, there are no other contender. Gives you tons of frrebies notworthy.gif


Added on September 30, 2010, 8:01 am
QUOTE(siutimtim @ Sep 30 2010, 02:03 AM)
my dad also got ask them is it hsbc card holder surely can get approve but the girl tell my dad they still need to check by damansara branch and no guarantee one le..my dad say they can easily find out whether you are really earn big income yearly or not by looking the home loan,HP and credit give by banks wo.. not sure correct or not lo..haha

my brother also got hsbc plat card and apply also not kena reject wo... his record is clean one also le..
*
As I had mentioned before, the logic behind this is, if you are truly a high income earner, your expenditures will not be low. If you want guaranteed approval, your CRIS should show a consistent minimum over RM10K outflow per month over the past year. This would include HL, HP, CC repayments etc. If you are the exception to the rule, then income or strong financial documents would be required. So don't embarrass yourself if you do not meet the requirements. Good luck icon_rolleyes.gif


Added on September 30, 2010, 8:07 am
QUOTE(elnino @ Sep 30 2010, 07:18 AM)
Hi,

Recently I made a RM2k+ swipe for my mom's medical bill due to emergency, however I can only pay back at most extra RM500 per month. Previously I had never used my CC for other than petrol, thus I manage to pay in full each month. My question is:

1) Will it effect my CCRIS record?Or is it as long as I pay more than the minimum amount each month, my CCRIS will still be "0"?I'm not very clear on how CCRIS works. Hopefully someone could explain it. Thanks in advance.
*
I also deem this a responsible use for a CC. if you are using a CIMB card, can convert to free instalments. Otherwise, can consider doing a BT as the interest will be cheaper. And no, it will not affect your CRIS as long as the minumum is paid every month. Good luck & God Bless smile.gif

This post has been edited by tgeoklin: Sep 30 2010, 08:07 AM
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tzeling
post Sep 30 2010, 09:58 AM


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QUOTE(0misae0 @ Sep 30 2010, 06:18 AM)
yes, uob lady's platinum is platinum card. it is really useable for women in shopping if you need special promotion in lady's products. Men don't get it. biggrin.gif


Added on September 30, 2010, 6:25 am

AirAsia-Citibank Credit Card   
1) Your everyday spending earns you free flights with the new AirAsia-Citibank credit card
2) Redeem points against flights, fuel surcharges and more
3) Enjoy additional exclusive privileges such as Priority Booking, Special Fares and AirAsia-Citibank Gold credit card privileges
 
Shell Citibank Credit Card   
1) Up to 5% rebate on Shell fuel and 1.5% on any other purchases
2) Exclusive Citibank Gold Privileges
3) Gold-On-Call Assistance

So Tzeling, you are moving from 1 place to another place using car or plane? citibank's cards design their card to suit your requirement's needed.
*
Finally someone response to my quest. Thx for ur response, Omisae0! I move ard by using car actually. Currently I am using SCB Al-Saadiq Debit MasterCard which gives me 5% on retail/pharmaceutical and 7% rebate on fuel, these promo gonna end in Dec. So I think prob I don't need the Shell Card at the moment. As for planes, I got to book for my bro as he fly often but within the state itself. I plan to apply for Shell Card after my SCB Debit Master promo end tis Dec, while for AirAsia I'm stil thinking. Nt sure if I wanna get two cards from the same bank. And there is no Citibank at my place so must pay thru GIRO.
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