Since it is a credit report, maybe it reflect latest changes (which is the credit limit increase).. really guessing here only..

you could bt to your ocbc titanium. it has a 0% BT offer as well

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?

wah bro, for a passive income, you are doing very well

can share investment advice

Same here. PBB so slow with it until I am also worried I don't get it.

The latest PBB cashback promotion - http://www.pbebank.com/en/en_content/perso...tions/db10.html

Key points

1) Runs from 1 October 2010 to 28 February 2011 (both dates are inclusive)

2) SMS “PBCB<space>16-digit Credit Card number” and send to 32968

3) Spend and win. - Chance to win 1 of 3 cars. Every RM50 on a single receipt - 1 entry. Every RM50 overseas spending on a single receipt - 2 entries

4) Cashback -
i) 15% Cash Back
The Participants are required to spend a minimum of RM50 in a single receipt on weekdays (from Monday to Friday) with PB Credit Cards in a tracking month to be qualified for the 15% Cash Back.

ii) 10% Cash Back
The Participants are required to spend a minimum of RM50 in a single receipt on weekends (from Saturday to Sunday) with PB Cards Credit in a tracking month to be qualified for the 10% Cash Back.

5) The maximum Cash Back payout is capped at RM100 per Qualified Cardmember in a tracking month. The awarded Cash Back amount will be rounded to the nearest ringgit Cash Back amount. Total Cash Back is capped at RM300k a month.

that's the acquisition bonus. Separate from the cashback. New card members get RM60 or 0% finance charge for 8 months.

maybe you tick a box when you are applying?

no i did not which why i am not pleased

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Added on October 2, 2010, 10:31 amcash back is for both new and existing. Only the RM60 cash rebate is for new card users only.

This post has been edited by zenquix: Oct 2 2010, 10:31 AM

It's normal if you have a HSBC Amanah card and you have balance in it (you do not pay off the entire amount every month). It is just the Islamic banking term for finance charges.

On another note, MBB is now giving me a conflicting statement. Have an email stating MBB Petronas Platinum Visa qualifies for 2x treatpoints for overseas transactions (a MBB Platinum Privilege feature), and now a phone call to them to claim "missing" points is being rejected on the basis that the card does not qualify.

Arghhhh!

This post has been edited by zenquix: Oct 4 2010, 12:48 PM

cash advance charges an additional upfront charge in addition to interest of 1.5% per month on cash advance and unpaid balance calculated daily from transaction date.

Advice: never do cash advance and pay off your statement balance every month to avoid increasing charges

MBF is a pure Credit Card player. Their revenue stream is only annual fee, finance charges, card issuer and merchant fees. Hence their reluctance to give a simple waiver.

Think Ambank is their collection agent since they have no branches of their own. Furthermore Ambank acquired MBF Finance in 2001 so they do have a relationship.
http://en.wikipedia.org/wiki/AmBank

The MBF now is MBF Cards Sdn. Bhd. likely a spin-off from the acquisition above.

Yeah the old MBF Finance already renamed to Ambank Finance. Funny can't find any wikis on MBF tho.

usually if i don't feel like answering, i just ignore the question

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Added on October 9, 2010, 11:27 pmCVV number is behind the card. If you gave copies of both sides of both your cards and did not blank it out, anyone can use the info to purchase online.

Just to summarize my understanding

1) You apply for CIMB Card
2) You photocopy both sides of your MBB and Citibank card. You did not blank out the CVV nunber
3) Your MBB and Citibank card info has now been abused for online purchase.

This post has been edited by zenquix: Oct 9 2010, 11:29 PM

I've already asked OCBC. Rebate entitlement is based on statement date and not calendar month. So Sep 12 to Oct 11 is 1 month not 2.

Think I posted this sometime in Sept.

most likely they outsourced the autopay part to MBF?