good! never let bank charge interest

maybe u never swipe till reaching the current CL?
like me, previously got limit 18.5k, and i want to swipe 30k.
what i do is, swipe 15k, go deposit 15k, then swipe another 15k.
next month they send letter increase my CL

it just like this, u want to buy something cost rm 5k and u have the cash. go fast cash to ur cc then swipe.
u can get 5k points (or rebates) somemore

but why treaten to terminate? better ask them to increase CL?

This post has been edited by erry-: Nov 21 2010, 04:17 PM

i dun wan to ask them...i w8 for them to offer me...lol

Good idea

How much your Credit Limit has been increased after that?

Found out extra benefit from OCBC Titanium
http://www.ocbccards.com.my/titaniumPrivileges.aspx
- Free travel insurance
- Charge min RM3k to air ticket/travel package, free entrance to KLIA lounge

This post has been edited by SeanChang: Nov 21 2010, 07:41 PM

more than previous 18.5k lah

I just gt my cc.. and my hv a due of RM50 (i guess the tax thingy)... Do i have u settle tis immediately? do they charge interest on this RM 50?

is there anybody here, use Ambank cc on weekend to purchase Jusco voucher and entitle to 20% cash rebate?
Mind to share?
i'm thinking of doing that next month 1st week sat...

This post has been edited by rickkywong: Nov 21 2010, 08:43 PM

was it maybank?

for citibank, i asked them to increase my CL, they asked me to send them documents like EFP, EA form and pay slips

Nort really useful as the 5% categories do not include flights. With a limit of RM50 a month (only RM1k spending) better to prioritize for those categories.


Yes they do. To be frank. If you cannot afford RM50, you shouldn't use/hold the card at all. If you are looking for a waiver/rebate, just treat it as a credit next month if you get it.

Does CIMB offer waiver/rebate? How do i get it?
I dont mind paying the rm 50, just wana comfirm wif u guys

Exactly, for first applicant for cc, very seldom will get any rebate or waiver from GLC bank.

IHMO, i think they wants to retain user and perhaps, it's just they decide on case by case status.

Indeed, just think it as annual fee.

Darnz... i just transfered rm 50 to the credit card.. tought it will clear my balance due... but it increased the limit.. previous was RM 5930 now went to Rm 5980 and the due rm 50 is still there.. Actually how should i clear tis due?

my friend bought a desktop with the original receipt state RM1550 but the shop swipe RM 1581 because of 2% surcharge. can the original receipt n the cc slip become an evidence if he going to report to master card?

By right the original receipt should show the 2% surcharge also....otherwise the worker can take the money for himself...

hey guys,

I got a question regarding cash advance actually. Can anyone help me out?
I know the interest rate for cash advance is 18%pa. Let say, if I withdraw 2000 today, how is the interest be calculated? Do I need to pay back the lump sum of 2000+interest before the coming bill due date? Thanks

it will be clear cut if the receipt showed 2% surcharge. normally shop will not state that in receipt instead they will increase the price on the receipt

the interest is calculated daily basis until you finish paying the cash advance. Bear in mind, it got cash advance fee of 5% imposed first.

nops. Direct Access (that time still Southern Bank)

the shop should list rm31 "admin fee" or "card charges" or something like that in the receipt. maybe ur fren ask can pay using cc after the bill already printed? ur fren should be told before swipe that he will be charge 2%?

this:

First of all, 1) Have you got your statement and 2) when is the Statement Date AND payment Due Date?


CIMB does offer rebates for MPH, Guardian, Starbucks, KFC and etc. go read thier website. The rebate will be reflected in your next statement.


Not that I agreed nor diasgree with the surharge but what is there to complain? By signing on the transaction slip your friend have agreed to the amount. Nobody force him to accept the surcharge. He has the option not to purchase the item.

I bought a 23" LED last month at ALL IT, the saleman wanted to charge me extra 2% and I said no such thing as there was no mentioned of Cash Price Only on the item and in the end he agreed no surcharge. However I have paid 2% surcharge at certain merchants when I was being told upfront the price was Cash Price or there is a sign stating Cash Only prior to me agreeing on the price.


The moment you withdraw cash using CC, there will be an upfront fee imposed, can't remeber the % as I don't practice withdrawing cash with CC. Go read T&C. And you be charged daily interest based on 18% until the full amount is settled. Therefore with the upfront fee and daily interest, the actual interest you pay when annualized is damn high. Never take cash with CC, it the 1st step to the shit hole.

err.. the charge will be there. Your payment will just be reflected as a payment. Normally you only pay when you get the statement. Since you already deposited RM50, your statement will be less this amount when you get it.