this:

didnt stated this on Maybank website. why not check with ur M2U?

u should cancel ur card BEFORE gst appear at statement! it should be 1 month before expiry month!

the time u call hsbc helpline, u not asking this???

look at ur statement.
if "service tax50 c306" got there, means no need to pay.
but i doubt how can u redeem in advanced? the redeem should not proceed or denied?
this is bcoz if redeem gst50 is 9500 points, while redeem rm50 cashback is 12500 points.

whatever it is, this:but again, if rm50 already credited (deducted from statement balance), then we can redeem c306 many times? cheaper (less points) than c302/c304

so now gastacopz, pls go clarify with hsbc helpline and let us here know ~

This post has been edited by erry-: Dec 8 2010, 09:03 AM

check annual fee. if ur gold card now is free for life but plat got annual fee, then just stay with gold card.

there are 2 type of maybank ezy payment:

1. maybankard ezypay. u swipe and the receipt already show monthly installment. so there is no any other charges. just pay the amount stated for each month.

example notebook rm2600, the shop charge 5% so u will swipe rm2730, and the receipt shows monthly payment of rm227.50 (12months).

2. maybankard ezypay plus. u swipe and the receipt not showing monthly installment. then u make call to bank 3 days later, u will be charged 9% annum (choose 6/12/18/24months).

example notebook rm2600, the shop charge 2% so u will swipe rm2625, and then 3 days later call bank convert to 12months, so u will be charge 9% (rm236.25) then ur monthly will be rm238.44 (12months).

but i believed u are doing the number (1) above. besides, its cheaper.

This post has been edited by erry-: Dec 8 2010, 05:31 PM

yes i got it!

swipe rm2579.00 @ 5-dec 11:56:49 and received sms today 2pm (3-days later).

This post has been edited by erry-: Dec 8 2010, 05:33 PM

thanks

previous promo need to sms ended 21-nov. now new promo no need.
just try to be the highest spender in a minute between 10am-10pm daily till 15jan and u will get rm30 back.

http://www.hsbc.com.my/1/2/personal-bankin....ac=MYH_LP_XMAS

The highest spend made by an Eligible Cardholder within each Participating Minute will receive RM30 cash rebate.

Example (edited a bit from HSBC website):
Cardholder A makes a transaction at 13:01:20 with amount of RM1,000.00
Cardholder B makes a transaction at 13:01:47 with amount of RM1,000.57
Cardholder B will be selected to receive the RM30 cash rebate for the Participating Minute

me - swipe rm2579.00 @ 5-dec 11:56:49 and received sms today 2pm (3-days later).
means there is no other hsbc user swipe more than rm2579.00 between 11:56:00 to 11:56:59 on 5-dec

This post has been edited by erry-: Dec 8 2010, 07:15 PM

if u swipe rm2579.01 on 5-dec @ 11:56:03 then u beat me and get that rm30

yes u are right, within a minute!
sorry i wrongly typed above. edited already (11:56:00 - 11:56:59). thanks for correcting

btw, can receive more than rm30/day but max can get is rm450 till 15-jan-2011

This post has been edited by erry-: Dec 8 2010, 07:18 PM

yes, even if u swipe rm10, and THERE IS NO OTHER HSBC USER SWIPE more than ur amount within that 1 particular minute~ (10am-10pm)

This post has been edited by erry-: Dec 8 2010, 07:26 PM

i swipe rm4.60 at esso to buy nasi ayam

This post has been edited by erry-: Dec 8 2010, 07:33 PM

yes can. i swipe with DA to get 2% rebate. there also 1 time weekend at giant i swipe rm7 (with DA too, for 5% rebate)

citibank do offer free for life credit card - Citibank Choice Credit Card.

use direct debit so no convenience fee!

public bank visa Day2Day Card

This post has been edited by erry-: Dec 9 2010, 12:21 AM

go to other esso/mobil station

yes, i swipe DA at petronas saujana kajang to buy 2x gatorade rm4.30 (promo price that time)

DA can get 2% all station, while CIMB Petronas 2% only at Petronas.
OCBC is better, 5% all station. but OCBC denied my application twice

This post has been edited by erry-: Dec 9 2010, 08:25 AM

yes its good. no annual fee without any condition.

BUT, if u purchase airasia using this card, u still need to PAY for that stupid convenience fee!

only direct debit from online banking wont be charged, which are maybank2u, cimbclicks, pbebank (publicbank), ambank & bankrakyat!

neah. not in my case

they still offering. no upfront interest for 6 months, and 1.5% for 12months. here - http://www.pbebank.com/en/en_content/perso...s/flexipay.html (u cant find in credit card page but in promotions page). Alliance, refer to my next post below.

assume ur yearly income is min rm18k and of coz not 24k, then for me, the best for u is either is from Alliance or Publick Bank.

1. Alliance Visa / Mastercard Classic . free annual fee if swipe 12 times within a 12-month period.

then go find camera shop that offer 0% installment for Alliance card holder. ur credit card receipt will show rm333.34 for 1st month and rm333.33 for another 11 months.

or if not find / the shop u go not offering, just swipe full amount rm4000 then after 3 days call bank to convert for 12months installment. currently no upfront charges and monthly will be rm333.34 for 12months! pls refer to my next post below.

Alliance also got Younique Card but not sure if applicable to flexi payment or not, since the card itself give 1st 3months interest free (Rebates Card) and 9% interest/year (Rates Card).

2. Public Bank Visa Classic / Mastercard Standard (if u prefer cashback) or Executive MasterCard (if u prefer points). 1st year free annual fee & subsequent years annual fee waiver with minimum 1 retail transaction in a month.

then go find camera shop that offer 0% installment for Public Bank card holder (example is Jusco). ur credit card receipt will show rm333.34 for 1st month and rm333.33 for another 11 months.

or if not find / the shop u go not offering, just swipe full amount rm4000 then after 3 days call bank to convert for 12months installment. u will be charged 1.5% (rm60) and monthly will be rm338.34 for 12months.

note: got some1 here suggest u go for CIMB Mastercard, but also got some1 here said he went to CIMB and being told that Classic Card (18k/annum) no longer produced, so thats y i suggest u go for Alliance / Public Bank.

just helping

This post has been edited by erry-: Dec 10 2010, 07:37 AM

yes of coz u can ask question about credit card here

is Axxxxxxx u mean is Alliance? if yes, then their FPP (Flexible Payment Plan) are:

1. previously: got 1 time upfront charges of 6% for 12months, or 12% for 24months.
2. promo after that: got 1 time upfront charges of 2.5% for 6 months, or 5% for 12 months.
3. LATEST PROMO TILL 31/12/2010: NO UPFRONT CHARGES AT ALL for 6 & 12 months!

here - http://www.alliancebank.com.my/catalog/pri...gue.aspx?cat=58

so if u purchase 3.5k for 2 cards and call alliance to convert to FPP before 31/12, each card need to pay only rm291.67 per month, for 12months.

This post has been edited by erry-: Dec 10 2010, 07:38 AM

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 ~