guys, when i at china, i can use my citibank visa at hotels, but when go to restaurants,my CC cannot be used

1st time i went, i face this problem, and i call up citibank and i was told that next time i go to China, i must call up before that so i won't face this issue

but 2nd time when i go again, i face the same problem.

isit that some places their credit card machine cannot accept international cards?

Saw the promo ... it is very similar to how fast can you send the SMS.
1. Send the SMS and wait for a return SMS to ask you a question.
2. Reply as fast as possible and wish for the best.

Problem is that @ 9am, everyone will jump in and the SMS gateway will be jammed. Good promo but the last promo really make me wonder how they select the winner. This new promo is a another potential for a repeat of this situation.

Just saw their T&C

"Sending and receiving of SMS is service provider-dependent and is beyond the control of SCBMB. There can be significant delays in the sending or receiving of an SMS. SCBMB is not responsible in any manner whatsoever for any delay howsoever caused in the sending or receiving of the SMS. The Cardholder shall be solely responsible for all fees and charges imposed by the service provider for the sending and receiving of the SMS."

Guess they are probably aware of the last promo problem.

This post has been edited by hye: Dec 10 2010, 04:14 PM

Not really. It also depends on the terminal that they use ... sometimes the merchant bank got not so good connectivity to connect to your bank. Thus your transaction will always be rejected.

Happened to me a few times. You can confirm this as when you call your bank they will say that there was no attempt to post a transaction coz it never reach them! Calling the bank before you travel will only eliminate the bank from flagging your transaction as a potential fraud when you use your card overseas. (or any unauthorized local fraudulent usage of your card locally) This connectivity problem would be totally out of your control nor Citibank as you are at the mercy of the terminal / local bank provider.

Sometimes bank will still (sometimes) call you when you are overseas although you have informed them. (And you get annoyed coz they are unaware they are making an international call just to talk to you and you bear all the roaming charges)

That's why the best is always to carry 2 cards from different banks.

This post has been edited by hye: Dec 10 2010, 04:27 PM

Which 2 cards are recommend?

In this case, does Amex card without maybank's logo falls under the same category? Eg: Amex gold CC, or green charge card etc..

Or Amex have their own forex rate?

Which part of East Malaysia are you in ? There is one Bank Negara office in Kota Kinabalu.


The answer can be found in the first page of this thread.


Yes. The foreign exchange rate is determined by AMEX.

time for a new thread?

welcome. yes i agree its the best FPP plan available. btw for Alliance, if swipe at merchant, its called IPP (Instalment Payment Plan).

why not using agoda? hsbc user can get up to 20% off room rate with complimentary upgrade / extra 7% off for Premier / extra 6% for Platinum / extra 5% for Gold. but id expedia rate is lower than agoda then nvm ~

Let me know if you can get this promo to work cause I could not. The price with the promo code more expensive than the price without hahaha

The SCB iPad promo is based on 1000th, 2000th, 3000th,... SMS sender, not the fastest.

Version 13 is created. Please carry on with the discussion about credit card HERE

This post has been edited by MilesAndMore: Dec 10 2010, 06:42 PM

thread isn't closed?

Wait the TS comes online, he will close it. Or the moderator will close it when one of them come online.