I heard syndicates got special device which looks like a card terminal to extract user details. These cashiers/waiters are bribed to do so.

I didn't ask this question, but he revealed the reason in a non deliberated discussion abt cc.

He said he like Gold colour. Citibank had sent him Platinum card many times, but he never activated any of the cards. The bank couldn't do anything but increase his CL.

Based on my sixth sense, I can foresee you are gonna overspend in your Taiwan trip.
Be careful, man. Think thrice before spend.

This post has been edited by chemistry: Nov 3 2010, 10:05 PM

you will find out in the enclosed letter.

566.66 * [(17.5%/12months) + 5% cash advance fee] = 36.59
The outcome is quite close to actual charge.

It depends what kind of machine you use to make repayment.
For Cash Deposit Machine, i believe the minimum payment one can make is a piece of RM10 bank note. Hence, it is impossible to pay RM101 at CDM.
On the other hand, only Cheque payment and IBG enable payment in exact figure.

Maybank Amex Gold CC
It's a point-based card, but its 2X and 5X points are actually equivalent to 1.0% and 2.5% rebate, provided Amex maintains the conversion rate.

10,000 MR points = RM50
RM1 = 2 MR points

It means, you spend RM5000, you get 10,000 pts. Then 10,000 pts can redeem RM50 cash vouchers etc.
So, in the end, the return % is (Gift value/Spending amount = 1.0%)

to avoid finance charge, you may choose to pay exact amount or more than that.
Who wants to make extra payment as it doesn't bear any interest?

You won't be able to make payment to TM using credit card in OCBC Online.
Only OCBC Current Account or Savings Account holder can use OCBC Online to pay to TM.

This post has been edited by chemistry: Nov 12 2010, 12:49 AM

I believe when you click NEXT, the payment will go void.

That is to encourage online payment, regardless via cc or SA/CA.

Many surprises when cardmembers got their statement. Well, now we know that we cannot judge a merchant's MCC using common sense.

I myself was also surprised to find out a pharmacy at Dataran Sunway falls in 5% category. It was Alpha Pharmacy. Hence, forummers who stay in Kota d'sara are advised to patronize this shop instead of Guardian/watsons which are uncertain of 1%/5% rebate.

Pls note that only UTILITY BILLS are entitled.

The advertisement is available in OCBC website.
http://www.ocbc.com.my/personal-banking/billpayment2.shtm

I asked CS already. Yes, the additional 2% rebate is only for utility bills paid using OCBC Online.

perhaps MPH, KFC 10%, GIANT/TESCO (RM50 capping each merchant each month)

I also received this email, and has got confirmation from OCBC CS. It's true.

Since there's no way for waiver, now the card really shows your status liao

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Added on November 16, 2010, 9:32 pmNo need. The bank will calculate your additional rebate accordingly.

This post has been edited by chemistry: Nov 16 2010, 09:32 PM

Because zero-annual-fee cards are too abundant that they have lost their exclusiveness.
Other people don't bother to look at your zero-annual-fee card because it is too cheap.

I am cheap too
I cancelled a few cards because the bank wanted me to pay annual fees.

1. Your name as per NRIC.
2. Whatever you like.