Look on the bright side, at least this way we won't be hitting the shit like over in the US. Most probably they will do like S'pore and limit the CL to say max of 3 times your salary etc. Overall, I would say its a good measure, unlike the stupid RM50 tax which serves no purpose but to enrich some cronies 

Wow ! They are so keen to create yet another world's first eh ? Not even Communist China has such ABSURD policy in place (tax on credit card). Way to go Malaysia ! Malaysia Boleh indeed.

I'm thinking getting another card which will replace my current card that I'm using, which is the Citibank Clear Card. I have been collecting those darn points  for 6 years and I can't seem to be seeing anything good in the rewards redemption page. I think I'll try to threaten the CS officer again to give me back my 10k points, hmm...

I just received the redemption letter for the iPod Shuffle from Standard Chartered and guess what? They got my name wrong! A JCMS ProRewards Sdn Bhd sticker was on the back of the envelope so I immediately called them up and was told that 'there was something wrong with the system' which resulted in this booboo and that the correct Letter of Redemption would be sent out after the Raya holidays. As the letter is on StanCharts letterhead I am thinking the cockup is StanCharts fault. I once had the unpleasant experience of dealing with SCs' customer service when I tried to register for online banking where we were supposed to wait for the authorization code by sms. The sms never came so I called up SC cs and they asked if my h/phone no was correct. I said yes and was told it needs 3 days to update the system. 3 days later I tried registering again and again the sms never arrived. Called up cs and the chap asked to re-confirm my tel no. I told him my tel no. and he said he will expedite ( his exact word!) the process for me. I was thinking wow! here's a chap who is really helpful and then he said ....it will take 3 days to update the system. What a blardy moron! He obviously doesn't understand the meaning of the word expedite. About a week later I tried registering online once more and again the sms never arrived. Called up cs and this time a gal answered. She asked if xxx-xxx xxxx was my tel no. I was fuming. After re-confirming my tel no. they finally succeeded in getting my no. wrong! And then after giving her a piece of my mind I waited another 3 days and finally succeeded in registering online.

If anyone from StanChart reads this pls realize your bank has got a bunch of idiots in the customer service dept. The chap who got my no. wrong after I had told him the correct no. goes by the name of 'G' or 'Ji' or Gerard if I am not mistaken. He should have his services terminated for gross incompetence.

Agree!
My application was rejected, i call the agent yesterday, she promised to call me back.
But i didn't receive any call until now.
2day i called 4 times, but she didn't pickup the phone at all...

For those getting the Alliance bank card may want to hear this. Their CS do not work 24/7 so if you have problem outside of working hours, good luck to you.

Do bear in mind that the cash back is only given to grocery and petrol purchases done during weekends. Besides, there is a maximum cash back poll of RM150,000 per month.

Just spotted OCBC cc roadshow at 1U. Anyone can share their CL received for their OCBC Titanium?

No, it's only capped at RM80 per customer per month. RM30 for petrol, RM50 for groceries. So, it will be either RM80 rebate for 4 months using Ti card (guaranteed) or RM320 rebate (4 months) for using Am card (not guaranteed, only points are guaranteed). But I would think if you use Am card and spend it in the early of the month, you will most probably get it. At other times, you can use the Ti card. So far I do get the rebates for the previous statements even on the last weekend of the month I spent it but that time the T&C is different.

I just use the short form, it's your OCBC Titanium card.

OCBC Titanium card finally received.
1. Approval completed on 3 Sep 2010
2. Card send out on 7 Sep 2010
3. Card received on 9 Sep 2010 (via snail mail... kudos to the Pos Malaysia)

Yes, the cashback is RM120 but don't forget you are going to spend 2k for petrol, groceries, dining and utilities + another 2k for others to achieve that target.

What I'm trying to point out is through combination, you can get more rebates.
Spending Am card RM400 and Ti card RM1.6k can get RM160 rebate instead of just RM100. But if you are spending that much, maybe RM60 doesn't mean anything. But it's more than enough to cover 1 year GST charges. For 4 months, you will get extra RM240-RM50 = RM190 + 1600 points.

Ok, if one is really that unlucky to get a single rebate for 4 months, he will lost RM80 rebate since he didn't use Ti card. But he will still get 1600 points which will be equals to RM8. Well, depends on how you judge it. RM80 guarantee or RM320+RM8?

Actually not just Ambank, other banks like Public and HSBC have also their own cashback promotions. If you have those cards, you can get even more rebates by spending less. SCB card also has great cashback during signup, the guarantee gift promotion is just over. This bank seems to have a lot of great promotions this year. Waiting for its next promotion.

Of course for non-Promotion periods or most of the transactions, Ti card is so far the best rebate card.

Comparing so many cashback cards, the citi cashback doesn't seem to be that attractive anymore, unless u buy stuff in G-dian/W-sons.

I need to comment a bit. The 5% cash back on bills is not only for telephone bills, it also includes utility bills.

Gen-x,
Nice analysis
By the way, do you get charged for RM50 service tax immediately after they approved the card for you? Any chance to waive it?

Just fyi, HL Essential don't get 1% rebate if you use it to fill petrol.

perfect opportunity to add Alliance Plat

And for OCBC TI,the promo ending year should be 2011 not 2010 as you stated.

well done la Gen-X, nominated to be put at the 1st page 

KFC accept all VISA and Master only.

eating in kfc n pay v CC seem a bit over....

ppl behind sure murmuring about u

haha

SCB CC had rebate me RM88, then RM50 had paid for GST
I still got RM38 for free.

However, i am not satisfy with the credit limit which RM4k
Besides, i do not want to hold many cc.

The purpose i hold SCB , it is because want to apply CL 10k
Then i can cancel the other bank cc , which each card limit is rm5k

Then i can save 2 cc GST, and 2 cc annual fees

However now fail, i wish to cancel scb.
is it a good way? or got other solutions?

Anyone here scolded the call centre agent before? Do you get angry when they are getting annoying? They have all your info on their system from ID to home address. Do you afraid they will do something to you if you scolded them?

Do you think we can get the RM50 GST waive if we spend RM10,000 before 31 Dec 2010 ? or Does the spending of RM10k is only valide for next year's GST ?

mind sharing why? as i still think citibank cash back plat is better.

I have applied the OCBC but failed although i fullfill the requirement.

Guys I have two questions, hope someone can clarify for me...

1) Is it considered a wrong move to make payment early? Like I make payment immediately on the day the statement come out. Cos credit card is mean to enjoy interest free period right? But what if I make payment early? Will they think I am wasting their time?

2) Can the statement/cut off date be changed? Because currently its not really a nice date for me to settle the bill 

From what I heard, it is not that easy to get a OCBC credit card, as they incurring some losses due to too many onwers who hold their card, but do not use it.

This is the 1st time i apply for the credit card, even i still got the fd in ocbc...
CCRIS report can print at all branch of BNM??

i applied the ocbc titanium card in a small booth located in 1U last saturday. funny is that even today i called the ocbc hotline, the system says they don't have my application. usually how long it takes for those sales agent to pass up the forms??

Hi guys, currently holding Citibank gold shell card and I got call from Citibank officer which offering Citibank Platinum Cash Back Card and they mention as following:

(1) Citi Gold Shell Card - 2.5% rebate on shell, 1.5% rebate on other
(2) Citi Plat Cash Back Card - 5% rebate on petrol (Limit up to RM600/mth), 2% on grocery, pharma, phone bill, 0.5% on others.

I used to swipe this card on petrol purpose but my usage per month is about RM800++ average. Can't fully utilize the benefit of having Citi Plat Cash Back Card. Any card better than those?

Hello all, I am planning to travel overseas. My company will want me to pay my own hotel bill first. So i like ask everyone which CC give the best benefit/cash back for overseas use? I understand that overseas transaction will have about 1% admin fees. Thanks. I have CIMB Master, Citi Plat Cash Back and Maybank Petronas. Thanks.

Last time, when i went to Hervey Norman to buy LCD TV which cost around RM4k.
Then staffs wish to charge me 3 % of RM4k,
At the end, i dont want to buy the LCD TV.

I am not sure, whether 3% of credit charge, should charge to customer?
Is it legal?
If we face this situation again, we should phone to bank to complaint or the shop management?

Hmm I called the the OCBC hotline last week to check on my application status for the Mastercard Titanium and it says "Card is under processing". I just tried today, and it still says the same thing.

Anyone knows what does "Card is under processing" mean actually?

LOL somebody mentioned to me that can apply for HSBC cc just by faxing the documents, can other forumers verify?

I don't know about Harvey Norman cos never patronised their outlets before. In your particular case could there have been an Amex promotion?