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.

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

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 shop will never do this (same goes to any merchant anywhere in the world) because it will clearly provide proof to the bank and to MC/VISA International that a surcharge was imposed due to the use of the cc and therefore the merchant has violated their T&C with the bank and MC/VISA International. That's why surcharges are always lumped together with the base price.

There's a hefty penalty imposed to the merchant if there's a violated to the T&C. And the banks /VISA/MC International have a no nonsense attitude to this violation.

CIMB has not joined the fray yet. But CIMB has successfully gained its market share by simply increasing CL and approving premium cards like WMC and VI.
Somebody here mentioned that MBB offered him free 10,000 points to offset the service tax when he intended to terminate his card.

MBB will offer you 10,000 points if you terminate the CC.

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...

seems like no ambank cc user here...

Let's hope they offer me 10,000TP on my next request to terminate their SonyCard.

seems like no ambank cc user here...

Guys I wanna apply for one credit card, with only one condition that RM50 waived

any recommend?

some brief personal...

My Salary 2.6
LibilityLoan - Car loan about 500 per mth
PTPTN - RM 100++ per mth

Thats it

Thanks in advanced ^^

AM bank 20% Cashback program is not bad.. it applies to almost all petrol station. 

more info, refer @ http://www.ambg.com.my/ambank_webmedia/fil...K_GROCERIES.pdf

MBB will offer you 10,000 points if you terminate the CC.

His main concern is whether the 20% cashback valid for Jusco voucher or not.

is it the same with HSBC? 

YES please, anyone here tried Ambank cc to purchase Jusco voucher & entitle to 20% cash back?
Need to buy voucher next month to save more on children's school uniform & stationery....

I think you maybe hard to get answer here as not many frequent forumers holding Ambank card over here (based on their discussion topics). Instead of Jusco, go to C4, Tesco or Giant to purchase those stuff at 1st weekend. Very high chance to get 20% cashback. Only RM400 spent.

I asked this question to CS few months ago, and they are not very sure that time.
Maybe you can call CS again?

Guys I wanna apply for one credit card, with only one condition that RM50 waived

any recommend?

some brief personal...

My Salary 2.6
LibilityLoan - Car loan about 500 per mth
PTPTN - RM 100++ per mth

Thats it

Thanks in advanced ^^

A lot of people here is holding DA card as it is free for life (I think you are eligible as you have PTPTN). But I'm not sure whether they will waive the RM50 GST for first time application or not. I believe someone can answer that.