The KFC terminal (manual) in KLCC works.

Not all banks practice this.
Just be aware that certain banks will impose penalties upon early settlement of installment scheme. (e.g Citibank)

Likely used by the bank as carrot for customer to switch over / customer retention rather than making money.

I forgot ... there's a way the bank can make money from 0% BT.
Please check with the bank on how do they classify the payment hierarchy. Best if the BT is actually a separate account rather than part of the main cc account itself. If BT is part of the main cc account then please stop using the card until BT payments is complete otherwise you'll find interest slowly accumulating on your card due to the payment hierarchy issue.

No such thing exist. Agent told you 2 days just to make you feel good.
OCBC TI application cycle takes between 1-3 weeks. (Some very lucky folks got it within 1 week)

I don't understand why every now and then folks come in here and ask their cc application to be processed as if theirs is the only one in the entire Malaysia.

I'll try to answer Q2&3

2. It depends on how did HSBC executed the auto-debit. Some banks use a 3rd party (e.g Some banks uses MBF AutoPay to execute TM group bills) and to cancel this, you actually need to advise the bank (or sometimes MBF to terminate the autopay facility). Sometimes also, it is done directly @ the merchant level (e.g. Maxis) and you need to terminate the autodebit directly with them. I knew this since sometime back after experiencing it and I find it is easier not to use the autodebit because of the complexity to cancel them. (But it is easy to sign up)

I'll advise to call HSBC and see whether you are able to cancel the facility and take things from there. Cancellation can take between 4-6 weeks and in extreme cases longer. You may find needing to pay for 1-2 more cycles before the autodebit is cancelled.

3. Rebate @ Watson and Guardian ? Yes ... because @ the payment terminal ... it will use the same MCC code. You'll get the rebate either way ... I have bought vitamins, toothbrush, etc and get the rebate. Unless of course they have change the T&C. No harm actually ... it's either rebate or no rebate. Either way ... you would have need to pay for the items in full so I think there's no loss. The rebate is just a bonus.

Yup confirmed Astro & Maxis not listed as OCBC IB payee. (It is not listed)
I paid directly via Astro & Maxis website.

And you are asking in the wrong thread.
You are using Debit card and this is a Credit card thread. Credit card means you are able to pay later ... I don't think it is right to call it prepaid cc as this is misleading.

This post has been edited by hye: Oct 28 2010, 09:32 AM

Hahahahaha .....
Let me put it this way ... despite the hype, the AA CC card will fell short of expectations. This has been shared with a fellow visitor to this thread. Read the previous post boys .... don't be lazy. I kept on mentioning this.

These calls are random and it doesn't mean you don't get call banks are bad.
Understand this ...

MBB got over 1 million in cc customer base. Assuming even 0.1% of their base do transaction over RM1.6+++ or more at any one time, you are talking about 1000 calls that need to be done at a time. That's crazy right ? You wouldn't do it if you were MBB.

Do understand what are you asking for and what does it means.

If a call if what you are expecting and EON Bank isn't giving you then cancel the card. Simple.
I'm just pointing out that your expectations of receiving a call from the bank is rather incorrect. Just because they do it regularly doesn't mean it applies to all of their customers. Readers who read this thread may expect the same treatment and this we need to put this into the right perspective.

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Added on October 30, 2010, 11:27 amVISA Signature is of higher standard but this can be subjective depending on how the bank packages the privileges.
The PremierMiles has a different reward system and it is entirely geared towards conversion to Airline points. Citibank conventional reward system are exchangeable for goods. IMHO ... there's no tangible difference between the both beyond the point system.

You can keep both or cancel the Platinum card.

This post has been edited by hye: Oct 30 2010, 11:27 AM

Well since they offer you then I don't see any problem why you should not accept unless you like to change your points to gifts only then I don't see you have a strong reason to accept the VISA Signature.

PremierMiles not even launched 1 year so I can't comment whether able to waive or not. (I wish not to speculate)

This post has been edited by hye: Oct 30 2010, 12:31 PM

@keith_hjinhoh

I agree on your argument that using cc overseas is a slight premium over hard cash. But consider this, if you are a business traveler, a week stay in UK can easily come up to RM10K.

It doesn't take much to quickly decide that carrying RM10K in cash is not sensible at all! There's a slight trade off here but obviously using cc will win.

And for internet transactions e.g Buying items from Target, while paying cash is cheaper but you have to be physically there to pay. So it wouldn't make sense to buy a plane ticket to US just to pay Target in cash right?

Had credit card is deemed creating a burden to consumers, it wouldn't have seen such worldwide acceptance as a consumer financial tool.

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Added on October 31, 2010, 2:58 am@WhiteWing

Can you please not advocating sneaky methods of applying cc and grow up a little when posting replies here ? Bluffing your way on cc application just to get gifts is one thing but readers here may get the wrong idea and do it. We definitely do not want additional regulations on cc. Imposing GST on the excuse curbing debts is bad enough already.

This post has been edited by hye: Oct 31 2010, 02:58 AM

Let's stop the bickering about HSBC's WMC shall we ?
I used to hold the HSBC Premier card myself and I can confirm that even my RM has no idea about the WorldCard status.

Still card design is not worth mentioning. Even the HSBC's classic card design is much more interesting than HSBC's Premier MC. Not to mention despite the so called premier status ... this card is nothing less than a hyped up HSBC Platinum card. I'd rather hold the Platinum

(I assume you are applying for an MBF card)
Whether it is AMBank or MBF LOC, it is not your choice to decide. It is up to the bank.
Depending on the promo, they will waive the AF but please check current promo and don't fall for agent word of promise.

On the same note ... there are better cards out there rather than MBF for your consideration.

Folks really ... what's the big deal about combined limit?
I'd rather get another card from another bank if I need another limit.

We can tell that too but we are still polite in not tell you in here.

Your CL are visible to all banks and these are treated as liability (unsecured loan) to the bank's risk management department. (Don't argue about this classification)

We share this many times already before in the past and spoke/discussed this in many occasions. Did you read the past posts or are you lazy to even do a search ?

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Added on November 1, 2010, 8:05 pmYou are using your FD to pledge, it is a different treatment vs. you place your FD as normal means.
Have you done a FD pledge to cc before @wongpeter ?

This post has been edited by hye: Nov 1 2010, 08:05 PM

On another thought ... everyone's is entitled to their own opinion and myself included.
Too bad this person is asking others to subscribe to a personal opinion. I won't stoop so lowly like that.

This post has been edited by hye: Nov 1 2010, 10:38 PM

Actually the statement given by the CS is true. It is positive is you wish to look at your credit repayment discipline.
The other angle will be a concern should you decide to take on a home loan, etc where credit worthiness is evaluated then you might get stuck as your net worth is a huge gap against your "perceived" credit. Don't compare CC credit against big ticket debt such as home loan because the bank can liquidate your house (and house is deemed as assets) for loan recovery purposes. They can't do the same if you default on your cc payment and recovery is harder.

I know this is difficult to understand to some but in short some personal debt is OK but to overdo the debt will not be good on you.