yeah.... the best is TNB <<< My few TNB bills accumulated exceeds RM1000 monthly >...

You must have a few bungalows then
Save environment, try to use more energy-efficient products like inverter air-cond, inverter fridge, LED lightings etc.

Dear all Math experts,

I hold a OCBC Titanium, HLB Essential Card and CIMB DA


To maximise fully the rebates from Oct-Dec 2010,

I should use RM2000.00 for online bill payment monthly ( to max out the RM200 whole campaign 3% rebate and the RM100 monthly in the 5%rebate ) After that, do a balance transfer to CIMB.


From Jan 2011,

Use maximum RM1000 on petrol/grocery/restaurants/utilities to be eligible for the 5% RM50 monthly rebate. For other items I will use my HLB Essential card since it gives me back 1% unlimited rebate on everything EXCEPT petrol.


That should be the best way to maximise three cards, am I right ? Thanks in advance for advice.







3. Eligible merchants and their associated merchant category codes (“MCC”) under the OCBC Titanium Cash Rebate Programme are as follow:

5% Cash rebate on Petrol, Groceries, Utility Bills and Dining
i) Petrol/Gas Stations (MCC codes 5541 and 5542)
ii) Grocery Stores (MCC codes 5411, 5422 and 5451)
iii) Utility Bills (MCC codes 4814,s 4815, 4816,4821, 4899 and 4900)
iii) Restaurant (MCC codes 5811, 5812, 5813 and 5814



Where can we check all these MCC codes, from the transaction slips??? For petrol it's quite straighforward, it the grocery, utility, and restaurants that I am more concern of....

The MCC codes are not visible on the CC transaction receipt. Unless it's coded...

Reventon, approximately how much did you need to spend to get the AMEX Plat CC annual fees to be waived? Appreciate your feedback.

No la.. My brother has his factory, so I just pay for him.

Unlike my neighbor that still on their airconds even the weather is cold and in raining days. The outdoor unit is placed outside my room and every night has nightmare to listen to the compressor sound.

How?

Balance transfer to CIMB DA - Interest free? For How long?

interest free 6 months, no penalty , no processing fee Promotion ends Dec 2010

Found info for TM Auto-Debit services as http://www.tm.com.my/ap/contact/Pages/autopay.aspx

Yes. It is very easy. Just make sure you have your TM bill because you'll need this when setting up your account online. I'm on the RM110/month Blockbuster package by the way that gives me unlimited free calls within Malaysia and unlimited free usage of internet (speed = 1mbps). Definitely much cheaper than last time Anyway, i plan to sign up for auto-billing at TM Point later this afternoon because of the RM2/month rebate

Great, no need go TM.

how long PB will approve the balance transfer?

already one week yet no amout paid

Last time, I faxed to them.

may i know whether annual service charge can be waived? im using hong leong MTV cc. rm160 annual fee is whoaaaaa!

just call the customer service and ask them for the waiver, in normal circumstance they will waive for u

seems like ocbc titanium is only approved if u earn in the region of 3k/annum

those earning double or triple will be disapproved?

i earn 3 times but disapproved

in my case, I can see the BT at pbebank.com after one week of application (faxed in on 6 Sept)
then another 3-4 days for the IBG to show up at my SCB online statement

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Added on October 7, 2010, 1:26 pmdid you apply using existing cc?

This post has been edited by alexwsk: Oct 7 2010, 01:26 PM

Why the telekom cannot pay by cc??

Earning RM3k/annum won't get any credit card.

yes


i use using existing citibank gold cc