You still need to have the redemption letter which is issued by SCB or no go. Check with SCB and not EPIC or Machines.
The redemption letter will be used to cross check your info at the collection center.

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Added on September 29, 2010, 2:10 pmI think I'll get the iPod Shuffle again but the winners who won both times is rather unfair. (I felt lah)
In the last contest (TV), the T&C clearly stated that they can't be winning twice. And this time got folks who won twice???!!!!!

Maybe I'm rather upset coz I sent the SMS precisely @ the time but I received the confirmation like 45 minutes later. I really don't know how they manage the contest coz it look like got loophole.

This post has been edited by hye: Sep 29 2010, 02:11 PM

Due to the popularity of the card right now, expect a longer processing period. Most of the guys who posted their Ti application timeline indicates a 3-4 weeks processing cycle.

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Added on September 29, 2010, 3:34 pmYes ... and it has been the rule since the product was first introduced many years ago. (Back then it was SBB Direct Access)

This post has been edited by hye: Sep 29 2010, 03:34 PM

I like this question this time.
Not an issue on your CCRIS so long you made payment on time.

@CyberianHusky

It is a scam lah. Someone in MBB probably sold your contact details to a 3rd party. The person on the phone hard pressed to sell the insurance and it is not from MBB. (Impersonate only)

Next time something like this happen challenge the person to tell you that only the bank will know. They will likely to put down the phone immediately.

I gotta say this but I may have seen so many folks coming in here and getting excited about applying so many cards and then asking for RM50 tax waiver.

Wake up guys! One of the reason the tax exist is so that the public are discouraged from holding too many cards. And in actuality it is not a waiver ... the bank pays for you. Gov still gets the money!

Bro ... I would suggest you to lower your standards to just the regular cards since your income are not really there and you are a 1st timer applicant.
All the banks for the cards you are applying will block your application for a few months should you fail. And these failures will show in your financial history.

There's no shame in getting regular cards for starters. All of us started that way.

This post has been edited by hye: Oct 1 2010, 10:41 PM

Different banks, different policies. Plus it also depends on the petrol station who does the cc posting. Sometimes they wait till a few days for the posting. For MBB, likely the petrol station did the posting on the same day. (I have a friend who showed me how does MBB transactions can be posted on the same day coz he got a MBB cc terminal)

I got a question for everyone who ask the question about the holding period - does it really matter ?
1. Eventually the credit limit will be normalized.
2. The bank will charge the actual amount of petrol pumped into your car. I have never come across any claims that banks charge the users the RM200 instead of the actual amount.

Yes ... you will be eligible for the promotions / discounts in SG. The only I can think of you won't have access to is the EPP.
Using credit card will be marginally higher but you'll be rewarded with rebates and you don't have to carry cash around.

Bro ... why getting into so much trouble ? If you are sensitive about the interest then do consider paying in full.
The calculations are done by the bank's computer ... the likelihood of error is very low.

I agree with your statement.
Simple answer to interest problems ... if you don't pay in full you'll be charged interest. Otherwise no issue coz no interest.
Please don't waste your time calculating the interest ... banks don't make money by cheating you on interest calculations. And please don't use the forum to ask someone else to calculate the interest for you.

You can refuse to give and they will not proceed further with your application. After a while they will close your application.
Likely the reason they are asking for more as they are not convinced with your income ability/status.

Did the bank tell you it is just 1 year existing CC or the agent/bank staff told you? Repeatedly in this forum we mentioned that when dealing with these guys, they will tell you anything to get you to sign up. And what sort of card did you apply? Were you able to match the income eligibility of the card in the first place?

The best way to manage personal finance is to avoid this kind of interest as it is extremely high.
You speak as if you understand finance and work your personal finances as an enterprise. (Managed debt is good for business as it accelerates growth)
but this is your personal finances that you are talking about which can be as high as 17.5%. (vs personal loan which is in the single digit range)

The problem with a lot of folks is that their financial literacy is rather low and they often don't see the danger of using CC as a debt tool. There are other debt tools around but definitely CC is not the way to go. We don't want the government to further introduce regulations to stifle the use of credit cards (e.g. RM50 gov tax) just because a handful abuses it. (and rumors are another round of regulations will be introduced)

My point is ... you should not be advocating CC as a medium of personal debt. It is crazy! You may think you are in control right now but wait until it spirals out of control.

Agreed.
Before you know it, the promotion will be over @ the end of the year. Might as well prepay a bit more to your bill as you will still use your "utilities" every month. If it save some money then why not?

Your banker called ? PB customer ?

One thing unique about SCB is that in their application, the said promo will be listed. So no worries ... probability of getting conned is low.
As frequently mentioned .... there's a lot of promo on CC (from all banks) that will never make to the website. Rule of thumb ...
1. Use the website as a basic reference but do understand there might be unlisted promos.
2. Never trust agents / bank rep as they are likely to be all out to get the sale from you. Few can be trusted.
3. If you are in doubt ... ask agent to write promo in the application form (if it is true, they won't hesitate) and give photocopy to you.
4. Don't blame agent/bank when "said" promo does not exist ... ask yourself did you take the precautionary measure or you were just greedy for the "freebies". (Many forummer in here ask which card have freebies ... so you are not applying coz you want the card or card is good but because card has freebies)

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Added on October 6, 2010, 11:10 pmI'll wait patiently if one day MBB decide to ease a little on the annual fee.

This post has been edited by hye: Oct 6 2010, 11:10 PM

Thank you. That's a great comment you gave out!

This post has been edited by hye: Oct 7 2010, 12:57 AM

IMHO use DA. Points should be 2x for overseas swipe right ? HSBC got no further advantage and OCBC Titanium ... no points.
Forex conversion all 3 banks should be very close ... difference should be rather small.

Any other folks got different opinions ?

MBF have one of the highest admin fees imposed (credit card) for overseas transactions.
My last experience with them is not exactly worth mentioning ... so I will give this cc provider a skip if I have options.

Mainly related to customer service, I'd rate this to be among the bottom tier among all the banks.
The fact that the card offerings is the least competitive to be used overseas and the lack of promos already turn me off.
If I have a choice between CIMB or MBF (Worldcard) ... CIMB wins hands down.

Plus ... I think once you own a card at that tier, wouldn't you want to be more selective and to always note your overall exposure ? (In other words don't own too many cards)

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Added on October 8, 2010, 8:33 pmPlease review CIMB's iPay plan and see whether that will work for you.
And yes ... you putting up a request doesn't mean you'll get it. The right word is an application ... bank have all the right to say no to you.

This post has been edited by hye: Oct 8 2010, 08:51 PM

Let's put it this way ... as Worldcard holder, you'll probably have a different expectation on how a service should be and I doubt so MBF can execute this well. I used to own their Platinum card and there's nothing worth mentioning about this. Even the most requested service - AF waiver is not so straight forward ... your call get forwarded to so many department and they will beat about the bush about giving it to you whereas you'll get the answer from a competitive bank in 1/10 of the time taken on a single phone call with MBF.

So .... not for me.
CL ? Back then MBF was one of the lowest in term of CL offering to me. The lowest was PBB for me and my other cards were like 3x-5x more.