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chemistry
post Aug 19 2010, 12:05 AM

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Most credit cards are categorized either as Silver or Gold or Titanium or Platinum. When will a Uranium come out? tongue.gif
chemistry
post Aug 19 2010, 12:10 AM

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QUOTE(David83 @ Aug 19 2010, 12:06 AM)
We have Signature, Infinite, World already. That's not enough?
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Don't you realize the card types are using METAL ? Signature , Infinite etc are not metals.
Uranium is damn cool. Or Lithium, Selenium, Calcium, Vanadium, Strontium, whatever laugh.gif
chemistry
post Aug 19 2010, 12:17 AM

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QUOTE(David83 @ Aug 19 2010, 12:13 AM)
That would endless until the whole periodic table comes out with all 118 elements are being used. laugh.gif doh.gif
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hahaha, that would be bloody hilarious then thumbup.gif
chemistry
post Aug 19 2010, 01:36 AM

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QUOTE(Shinichi @ Aug 19 2010, 12:58 AM)

12x swipe per year for annual fee waiver do not include auto debit like phone bill payment or insurance? And how do we define "Any swipe transactions"?
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Easy.
It means transaction that needs to have your card swiped at the merchant's card terminal.
chemistry
post Aug 19 2010, 10:03 AM

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QUOTE(ronnie @ Aug 19 2010, 08:23 AM)
Uranium card will cause cancer lah  blink.gif  blink.gif
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Hahaha,I don't mean using uranium to make the card. Just take the name only, no worry.
chemistry
post Aug 19 2010, 10:27 AM

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QUOTE(ronnie @ Aug 19 2010, 10:20 AM)
IF we apply the OCBC Titanium now, it will charge you the RM50 for 2010, right ?
We get GST waiver only for 2011 onwards if you spend RM10k per year.
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Aren't u satisfactory with 5% rebate? You earn rebates faster than other cards, so there's no reason to grumble on the GST being not waived for the first year.

My message is : Don't take GST tax waiver for granted.
chemistry
post Aug 20 2010, 12:17 AM

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QUOTE(Shinichi @ Aug 19 2010, 11:49 PM)
Seems like petrol transactions are not counted... but at least dining and grocery are eligible for 5% and counted as 1 swipe...
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Don't worry too much.
As long the annual fee waiver is on the condition of swipe counts, not spending amount, it's not too hard to get.
chemistry
post Aug 21 2010, 12:54 AM

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Attached Image

Attached Image

Here's some knowledge sharing smile.gif
Strongly recommended to get pinned. tongue.gif
chemistry
post Aug 21 2010, 12:27 PM

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QUOTE(amalthea @ Aug 21 2010, 11:19 AM)
hello all,

i have the following cards:

citibank gold VISA
and citibank shell gold  VISA

they said for co brand, u can have the same card brand i.e. VISA more than once

now i would like apply for a VISA Platinum
do i need to cancel the visa gold above?
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Oh yes I also heard about that. You can't have more than one Generic card of the same type (Visa/Mastercard).
Like miles said, ask for an upgrade from the bank.
chemistry
post Aug 21 2010, 07:25 PM

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My insurance premium is paid annually. Kinda burdening when it is due and we are not yet ready for it.
Luckily CIMB CC offers flexi pay plan to relieve my cash flow. rclxms.gif thumbup.gif
[attachmentid=1739687]
chemistry
post Aug 21 2010, 07:59 PM

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QUOTE(Gen-X @ Aug 21 2010, 07:45 PM)
overseas code same as in Malaysia? hmm.gif
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as long the card is named as VISA or MASTERCARD, the MCC code is applicable.
chemistry
post Aug 22 2010, 12:30 AM

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QUOTE(David83 @ Aug 21 2010, 11:17 PM)
That's why I chose monthly basis.
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I know monthly is good, but there are some insurance policies which will incur interest charges if the policyholder wishes to pay premium monthly.
With CIMB's interest free 10 months instalment plan, the yearly premium is split to 10 fractions.


Added on August 22, 2010, 12:32 am
QUOTE(ashkamz @ Aug 21 2010, 11:45 PM)
Too bad they dont offer Smart Flexi to Islamic card. Only conventional and Direct Access..  cry.gif
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Islamic card don't have flexi pay plan? oh that's weird.
Must have something to do with Islamic rules and regulations. Look forward to some explanation by Muslim friends here.

This post has been edited by chemistry: Aug 22 2010, 12:32 AM
chemistry
post Aug 22 2010, 01:35 AM

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QUOTE(ronnie @ Aug 22 2010, 01:13 AM)
Ain't it the same whether you are paying interests to the Insurance co. or Processing fee to DirectAccess ?
Depends which is lesser....
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No no no...
Read carefully, the flexi pay plan is absolutely zero interest, no admin charge, no handling fee.
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post Aug 22 2010, 09:37 PM

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What is the method of payment if card member opted to use flexi pay plan ? Pay online via Insuance Co's web site or CIMB's web site or must go to insurance company cashier counter to tell you want to flexi pay ?
The method of transaction is not restricted. You can opt to swipe over the counter, or submit the appropriate form (consult your insurance agent) to the insurance company. When the transaction is posted, you may call the Card Centre and say you want convert the transaction (in this case, INSURANCE) into a flexi pay plan.

All Insurance companies accept CIMB flexi pay ?
As long as the insurance company accepts CIMB credit card, you may wish to apply for its flexi pay plan.
chemistry
post Aug 23 2010, 02:08 AM

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For easy reference, here's the clipping.
[attachmentid=1742048]
chemistry
post Aug 23 2010, 01:25 PM

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QUOTE(boonsin23 @ Aug 23 2010, 01:21 PM)
if let say i hv monthly income of rm2k (pay slip from company), plus rental income of rm1k, how are we going to prove the bank i hv rm3k of income every month?
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Do you include rental income in your tax assessment form?
If yes, that will be the proof.
chemistry
post Aug 23 2010, 01:56 PM

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QUOTE(boonsin23 @ Aug 23 2010, 01:51 PM)
@aeiou228 & @chemistry

Thanks! But what if I just collected the rental in year 2010, my tax assessment was for year 2009.
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then sorry sweat.gif
no proof liao~~
chemistry
post Aug 23 2010, 08:09 PM

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QUOTE(hebe87 @ Aug 23 2010, 05:09 PM)
however, they give me point for telekom payment, but not for tenaga TNB bill payment. they said TNB is government. is it correct?

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Next time when you meet a TNB staff, you ask him whether he is government servant or not tongue.gif
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post Aug 25 2010, 08:21 PM

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QUOTE(cenkudu @ Aug 25 2010, 08:06 PM)
if you have two or more cards with MBB you need to issue separate cheque for payment for each cards. This is my second time where the system put all my payment in one card even I have stated clearly behind the cheque. nightmare  mad.gif if my request to waive for late charge and interest reversal is declined definitely will cancel both cards
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This is absurd.
I pay for my own Visa & Mastercard and supp cards altogether in one cheque. I'm CIMB cardmember.
chemistry
post Aug 25 2010, 08:39 PM

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QUOTE(cenkudu @ Aug 25 2010, 08:33 PM)
CIMB is OK, even their cheque deposit machine (with scan) have the option if you want to pay more than 1 card. MBB scan cheque deposit machine does not allow that
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I also love that convenience. thumbup.gif
I don't know MBB CDM can't do that.

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