Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed
5 Pages « < 2 3 4 5 >Bottom

Outline · [ Standard ] · Linear+

 Credit Card v12, Credit card GST remains....

views
     
winner
post Nov 17 2010, 09:49 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(lamode @ Nov 17 2010, 09:46 PM)
just if card would be deactivated immediately after we report lost?
*
Your card will be blocked until you get a replacement card.
winner
post Nov 17 2010, 10:01 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(lamode @ Nov 17 2010, 09:54 PM)
thank for the quick reply.

but would it be blocked immediately after we hang up the phone? or there is a period for the system to be updated?
*
It depends on how efficient the bank is. Normally the CS officer will process it immediately by computer. You can call the CS hotline again to check your card status soon after you have lodged the report.
winner
post Nov 18 2010, 04:21 AM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(MilesAndMore @ Nov 18 2010, 12:33 AM)
OCBC Titanium MasterCard and Citibank Cash Back VISA Platinum. You'll always get 5% rebate regardless how much you actually spend on fuel every month.
*
There is a monthly cash back cap for OCBC Titanium (RM50 from 1/1/11 onwards) and Citibank Cash Back Platinum (RM30 for petrol).

QUOTE(johnnyc @ Nov 18 2010, 01:59 AM)
and use the Esso Smile Driver Reward Card together too to earn points  rclxms.gif
if i'm not mistaken, 1000 points can get RM10 worth of fuel
*
1,000 ESSO points = RM15 fuel actually, equivalent to additional 1.5% cash back. Every RM1 spent at ESSO will give you x1 ESSO reward point.

This post has been edited by winner: Nov 18 2010, 04:31 AM
winner
post Nov 18 2010, 11:34 AM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(MilesAndMore @ Nov 18 2010, 09:29 AM)
The monthly cash back cap for petrol using OCBC Titanium MasterCard is RM30 too starting from next year.
*
From January 2011 onwards, the maximum cash back per month for OCBC Titanium is RM50. This cash back cap is for all retail transactions regardless of whether the transactions are from 1% or 5% rebate categories. It is stated clearly in the T&Cs and OCBC website.

QUOTE(ronnie @ Nov 18 2010, 10:27 AM)
I feel Mastercard's forex is higher than Visa's forex
*
I think it should be the other way round. Anyway, as what hye said, the difference could be very marginal.
winner
post Nov 18 2010, 02:21 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(johnnyc @ Nov 18 2010, 01:41 PM)
I see, thanks for correction and the smile points will not expired with minimum transaction per year if i'm not mistaken. not like Petronas Mesra point, will expire.
*
It would be better if you use ESSO, because Petronas gives 0.5 point only for every RM1 spent.
winner
post Nov 18 2010, 02:29 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(ronnie @ Nov 18 2010, 02:24 PM)
1 Petronas Mesra points is collected for every 1 liter of petrol purchased.
*
Yes, it is more or less equivalent to 0.5 point for RM1.
winner
post Nov 18 2010, 04:22 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(erry- @ Nov 18 2010, 03:42 PM)
and grand saga highway (kajang-cheras) give 2x points! swipe rm500 already get 1000points! rclxms.gif
so rm500 already get back rm15. and of coz, plus 5% rebates from OCBC!  rclxms.gif  rclxms.gif  rclxms.gif
*
Wow! I was not aware that some ESSO/MOBIL stations give x2 points. That's an extra 3% cash back man! Any idea where else ESSO/MOBIL stations give x2 points?
winner
post Nov 18 2010, 07:54 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(zenquix @ Nov 18 2010, 07:27 PM)
ask them to change the card. Call the CS and complain abit.
*
It is unethical and not right to complain as he is the one who applied for this card in the first place. Nothing can be done if the bank is not willing to absorb the cost and change the card.
winner
post Nov 19 2010, 06:54 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(MilesAndMore @ Nov 19 2010, 04:53 PM)

By the way guys, any idea how the 0% interest cash advance works ? I received a sms from Citibank this morning regarding this offer. The minimum is RM1000. It says in the sms that there won't be any interest charged for the first 3-month. Now here is my question. Does it mean if i pay everything back to Citibank by the end of the third month, i will not be slapped with interest ? And instead of making the cash advance withdrawal at ATM, can i ask them to issue me a cheque instead ? So i can save on ATM withdrawal fee.
*
QUOTE(cute_boboi @ Nov 19 2010, 05:41 PM)
Yes, there is totally no interest. BUT there is a one time admin charge, depending on the amount taken out. It is somewhere about RM300-600 for RM10k
doh.gif
*
There won't be free lunch from Citibank. Those so-called promotions from Citibank always come with hiden clauses and stringent T&Cs.


QUOTE(MilesAndMore @ Nov 19 2010, 05:23 PM)
Is the Maybankard VISA Platinum and Maybankard MasterCard Platinum no longer open for public application ? Just got myself their application form but Petronas Platinum VISA is the only platinum credit card stated there. Any idea ?
*
It is still open for application.
winner
post Nov 19 2010, 08:18 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(chemistry @ Nov 19 2010, 08:00 PM)
This morning CS asked me to settle with Mobil.
Just went to Mobil and discussed the matter. They wanted a copy of my trxn slip and will talk to relevant dept for solution. They(Mobil) need to check their record with the bank, once verified the trxn amount (because Mobil will receive credit from bank), they will settle with me accordingly.

Instead of abovementioned solution, can I instead ask my CC to cancel the false trxn and debit the right amount?
*
It's very troublesome. It should be the bank who handles everything for you. Your transportation cost and time already cost more than the RM10 reimbursement.
winner
post Nov 21 2010, 07:05 AM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(zenquix @ Nov 21 2010, 02:49 AM)
Cards with cashback you can look at:

SCB Business Plat - 1% CB + Points
*
SCB Business Platinum gives 0.5% cash back plus x1 choice point for all local transactions (except petrol). Only overseas transactions are entitled to x3 choice points plus 0.5% cash back.
winner
post Nov 21 2010, 09:55 AM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(johnnyc @ Nov 21 2010, 09:01 AM)
Especially, those GLC banks won't waive the tax  when you firstly applied for CC because it will go against the Big boss(Govt)
*
MBB has already started to grant free 10,000 points for customers to offset the RM50 service tax.
winner
post Nov 21 2010, 11:00 AM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(Disagree @ Nov 21 2010, 10:04 AM)
Does CIMB have this kinda waiver system for its card?
*
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.


QUOTE(David83 @ Nov 21 2010, 10:04 AM)
How they grant? By threaten to terminate the card?
*
Somebody here mentioned that MBB offered him free 10,000 points to offset the service tax when he intended to terminate his card.
winner
post Nov 22 2010, 09:26 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(ck3lam @ Nov 22 2010, 09:11 PM)
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.
*
No.
winner
post Nov 27 2010, 09:13 AM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(jeff_v2 @ Nov 26 2010, 03:35 PM)
juz wanna ask, SCB give me a CC but i dont want to use it now.
so if i dont activate the card, do i need to pay for the service tax (rm50)?
*
QUOTE(bingozero @ Nov 26 2010, 06:32 PM)
You no need to pay because SCB give RM88 cash back on new gold card and RM188 for new platinum card  tongue.gif
*
In order to get RM88 or RM188 cash, you first need to activate and swipe your card as the cash will only be credited to your account upon first usage.
winner
post Nov 27 2010, 09:52 AM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(MilesAndMore @ Nov 26 2010, 09:00 AM)
No worries. All principal MasterCard from CIMB Bank is free for life. I am 100% sure on this  smile.gif
*
QUOTE(Phelddagriff @ Nov 26 2010, 09:44 AM)
Not the CIMB Enrich Mastercards. Can you call and ask for waiver or is it strictly with spending?
*
I can confirm that CIMB Enrich MC is not free for life, as my colleague had just paid the AF. Perhaps he did not request for AF waiver. Unlike other CIMB/DA CCs, AFs are automatically waived without sending a request.
winner
post Nov 27 2010, 10:22 AM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(hye @ Nov 24 2010, 10:41 AM)
Slight correction. Best don't apply for the card if you have no intention to use it to avoid tax.
*
I totally agree with you. I wonder why so many so-called vulnerable people like to apply for CCs for "fun" but are only worried about the service tax when their cards are approved. If they do not have the intention to pay the tax, in the first place they should not apply for those cards which do not give incentive to offset the tax.


QUOTE(chemistry @ Nov 24 2010, 03:10 PM)
Pls google 'cimb flexi pay plan' and 'cimb i.Pay Plan'. Both are the installment plans CIMB is offering.
I'm afraid the plans are gonna expire by year end.
*
Both promotions will be ending on 31/12. FYI, if you opt for Smart i.Pay, you will be charged an upfront interest of 2% to 5% depending on the transaction amount.
winner
post Nov 27 2010, 12:53 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(tanch78 @ Nov 27 2010, 12:44 PM)
The cash back RM88/188 will be credited into your account even BEFORE you activate the card. I called the customer service to confirm there is a CREDIT balance in my account before start swiping them (I have applied two Platinum cards lately)...  tongue.gif
*
That's a good deal indeed.
winner
post Nov 27 2010, 07:31 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(zenquix @ Nov 27 2010, 07:16 PM)
Amex card 5x points in restaurants and dept stores? that's new..
*
No such thing. The forummer messed up Amex Gold CC's 5x MR feature with the 15% cash back promotion. You can refer to Amex thread for details.
winner
post Nov 29 2010, 09:50 AM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008
QUOTE(Gen-X @ Nov 28 2010, 11:12 PM)
well I dont' have RM20M yet in my name and dont't earn RM50K a month but I do have total CL of >RM500K, that is total combined CL from all my cards  tongue.gif

Click here to view my latest collection of cards and brief description of the benefits that comes with each card.
*
With reference to your blog, cash back for Alliance Priviledge Banking Premium debit card is capped at RM180 per month, not RM45 as reported by you.
« Next Oldest · Finance, Business and Investment House · Next Newest »
 

5 Pages « < 2 3 4 5 >Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
 0.0205sec    0.70    7 queries    GZIP Disabled
Time is now: 8th December 2025 - 04:42 PM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.