i was trying to make an online purchase but the merchant requires 3D security for my credit card and my citibank master card was not accepted. called the customer service but they have no idea about it. anyone here has any experience with this 3D security thing? thanks

The 3D security thingy is known as either Verified by VISA or MasterCard SecureCode and Citibank Malaysia is offering neither.

Thanks for the info, but can't understand why Citibank as an international bank doesn't offer this.

Any other options on how can I make the payment? I have only the Citibank card + Amex but the merchant doesn't accept Amex.

Can I ask which website requires this 'Verified by VISA'? I have bought stuff online and some sites require this SecureCode when I use my StanChart Mastercard but I have never come across a site asking for 'Verified by VISA' when I use my Citibank Visa card.

So far i've only experienced Verified by Visa for HLB card & HSBC. The rest - can just go through just like that.

For me it has prompted me for HSBC & Maybank to date. Citibank somehow doesn't have this I think.

It's for an online hotel reservation.

If the website insists on only accept credit card from banks providing the 3D security feature, then i guess you have no other choice but to use another credit card, book your room through phone or change hotel.

That's right. Just move on using another credit card.

found out that the easiest way is to get a maybank visa debit card. problem solved immediiately.

Proceed from V11: http://forum.lowyat.net/topic/1530782/+2500#entry37013927

**Those wishing to get an agent to assist with your credit card application please post your request at the service noticeboard section as this section is about discussion on credit card issues and not for promoting or seeking agent.

Knowing your cards > http://www.bankinginfo.com.my
1. Visa
2. Mastercard
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. China Union Pay (中国银联)
7. Etc.

1. Annual fee
Annual fee free credit cards :
- CIMB Direct Access
- CIMB Bank
- American Express Green charge card & American Express Gold credit card
- Public Bank (**minimum swipes apply)
- Alliance Bank (**minimum swipes apply)
- UOB Bank (**minimum swipes apply)
- Maybank (**certain cards only)
- EON Bank (**minimum swipes apply)
- Citibank Choice (**minimum swipes apply)
- Hong Leong Bank Essential VISA (**swipe at least twice a month OR spend RM8,000/year)
- AmBank (**certain cards only)
- OCBC (**minimum swipes apply)

2. Tap and Go - no signature required
VISA payWave
**Payment made via Visa Wave is limited to RM150
MAYBANK
- Maybank Islamic PETRONAS Ikhwan Visa Platinum
- Maybank Islamic PETRONAS Ikhwan Visa Gold
- Maybank PETRONAS Platinum Visa
- Maybank PETRONAS VISA Gold
- Maybank VISA Platinum
- Maybank VISA Wave

EON Bank
- GSC-EON Bank VISA Wave
- VISA Wave 'n Go
- Berinda Homes VISA Wave
- Johor Bahru City Square VISA Wave
- Penderosa Gold & Country Club VISA Wave

UOB Bank
- UOB ONE Card

MasterCard Paypass
**Payment made via MasterCard Paypass is limited to RM120
CIMB Bank
- all MasterCard

CIMB Islamic Bank
- all MasterCard

Direct Access
- all MasterCard

Touch n Go
CIMB Touch 'n Go Visa (This is the first credit card with Touch and Go embedded)

3. Credit Card linked to Petrol Giants
- UOB <> BHP Petrol
- Citibank <> SHELL (This only applicable for Citibank Shell, Citibank Cashback Plat applies to all petrol stations)
- Maybank/Maybank Islamic <> PETRONAS
- CIMB Bank/CIMB Islamic <> PETRONAS

**All range of American Express charge & credit cards give 2x MR/TP on petrol purchases except AMEX Gold credit card which gives 5x MR/TP. This applies to all petrol brands.

4. Standard financial charge (interest rate)
Tier 1 > 13.5% p.a.
Tier 2 > 16% p.a.
Tier 3 > 17.5% p.a.

Cash advance: 18% p.a from the date of withdrawal.
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.

5. Complimentary Cards
1) HSBC Premier - deposit and maintain RM200k
2) Citibank Citigold - deposit and maintain RM200k
3) Standard Chartered Priority Banking - deposit and maintain RM250k
4) UOB Privilege Banking - Opening deposit of RM300k with maintenance of RM200k
5) OCBC Premier Banking - Opening deposit of RM300k with maintenance of RM200k
6) CIMB Bank Preferred Banking - deposit and maintain RM150k
7) Hong Leong Bank Priority Banking - deposit and maintain RM200k
8) Alliance Bank Privilege Banking - deposit and maintain RM200k
9) RHB Bank Premier Banking - deposit and maintain RM200k
10) Public Bank Red Carpet Banking - deposit and maintain RM500k or a Mutual Gold customer with a total combined deposits of RM200k in savings/current/fixed deposits.

6. American Express
Charge card
AMEX charge card gives 2x Membership Rewards Points for all petrol purchases. This applies to all petrol brands. All other spending will also earn you 2x Membership Rewards points.

Credit card
AMEX Gold credit card
5x Membership Rewards Points for every Ringgit spent on groceries, petrol, bookstores - Kinokuniya, Borders, Times and MPH - and telco charges via Express Autopay - Celcom, Digi, Maxis and TM. 2x Membership Rewards points for all other retail transactions.

AMEX Platinum credit card
10x Membership Rewards Points for every Ringgit charged to your card at Platinum partners. Please refer to American Express MY for the latest list of Platinum partners. All other retail spending earns you 2x Membership Rewards Points.

Maybank Islamic Ikhwan AMEX
5x TP on petrols.
2x on all other retail swipes.

Link to AMEX thread: http://forum.lowyat.net/topic/547867

7. International Transactions
Transactions incurred will be converted to Ringgit Malaysia using US Dollars as the base currency on the date the item is received and/or processed at such exchange and at such time as may be determined by VISA International/MasterCard Worldwide at its absolute discretion plus administration cost which is to be imposed by the card issuing bank. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Cardmember shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred.
- Maybank VISA/MasterCard : 0.5%
- Maybank American Express with Maybank logo on top : 1.5%
- American Express : 2.5%
- CIMB Bank : 1%
- Hong Leong Bank VISA/MasterCard: 1%
- Public Bank : 1.25%
- Citibank : 1%
- HSBC : 1.25%
- EON Bank : 1%
- UOB Bank : 1%
- Standard Chartered : 1%
- OCBC bank : 1%
- Alliance : 1% (verified by hebe87)

Exchange rate estimator : http://corporate.visa.com/pd/consumer_serv...er_ex_rates.jsp

8. Credit Card Cancellation Letter


9. Cash Advance fees
Citibank: 5% of cash amount (min RM20), and 18% p.a. daily interest (N/A for Ready Cash)

UOB: The cash advance fee is charged to any withdrawal of cash made. This is imposed for each cash advance transaction. 5% or RM20, whichever is higher.

Maybank: VISA/Mastercard (Both Classic and Gold) | Flat rate of 5.00% of the total amount of cash advance | Min: RM10

CIMB DA: 5% of the amount drawn, subject to a minimum of RM15, whichever is higher.

CIMB: 5% of the amount drawn, subject to a minimum of RM15, whichever is higher.

HSBC:
The cash advance fee is 5% of the amount advanced or a minimum of RM15. Whichever is higher. This is imposed for each cash advance transaction
For HSBC Amanah Charge Card, cash advance is capped at RM1,000 per transaction and a fee of RM60 per transaction will be levied
For cash advances made over the HSBC banking counter, there will be an additional charge of the following:-
- RM50 on credit cards issued by local banks other than HSBC - RM20 on credit cards issued by non-Malaysian card issuers (including JCB)
- Cards issued by HSBC Bank Malaysia and the HSBC Groupare exempted from this charge

OCBC: The cash advance fee is 5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance/casino chips transaction.

HLB Essential: 2% of the amount advanced or a minimum of RM5, whichever is higher. This is imposed for each cash advance transaction. Minimum withdrawal for each cash advance is RM200.

10. Verified by Visa and Mastercard Securecode
Verified by Visa ---> http://www.visa-asia.com/ap/sea/merchants/...vbv_intro.shtml
Participating banks :
- HSBC
- Standard Chartered
- Maybank (MSOS)
- CIMB Bank
- Public Bank
- RHB Bank
- AmBank
- Hong Leong Bank
- EON Bank
- Alliance Bank
- MBF Cards

MasterCard SecureCode ---> http://www.mastercard.com/au/personal/en/c...code/index.html
Participating banks :
- HSBC
- Standard Chartered
- Maybank (MSOS)
- CIMB Bank
- Public Bank
- RHB Bank
- AmBank
- Hong Leong Bank
- EON Bank
- Alliance Bank
- MBF Cards

11. Balance Transfer: http://forum.lowyat.net/topic/1123346

12. RM50 Government Service Tax - Currently STILL IN FORCE
With effect from 1 January 2010, there will be service tax imposed on credit card as follows :
i. RM50 per annum on each Principal Card; and
ii. RM25 per annum on each Supplementary Card
The service tax will be collected on the date the card is issued, or on the completion of each year or on the date of renewal of the card.
This means that the above mentioned service tax shall be levied on new credit card issued effective from 1 January 2010. For existing credit cards issued before 1 January 2010, the service tax shall be levied upon anniversary of card issuance.


13. Airport Lounge Access
Alliance Plat - UNLIMITED access to Plaza Premium Lounge KLIA
Citibank Premier Miles - worldwide airport lounge twice a year (saw thier website need to apply before hand). Access to Plaza Premium Lounge KLIA 12 times a year PLUS the Priority Pass with 2 free admissions worldwide (subsequent need to pay). PP is for principal ONLY
Citibank Plat - Free access to Plaza Premium Lounge KLIA with a limit of 12 times a year
SCB VI - gives Priority Pass membership with UNLIMITED free admissions for principal ONLY
SCB Platinum/WMC - UNLIMITED entries to Plaza Premium Lounge KLIA for principal ONLY
HSBC Premier - don't even have access to Plaza Premium Lounge KLIA
EON Bank Visa Signature - free priority pass membership for limited free lounge visits worldwide
EON Bank (certain platinum cards) - Free access to Plaza Premium Lounge KLIA, LCCT, Senai & Changi (monthly quota applicable)
UOB Privilege Banking Platinum - UNLIMITED access to Plaza Premium Lounge KLIA, LCCT & Senai
UOB Midas & Preferred Platinum - Free access to Plaza Premium Lounge KLIA, LCCT & Senai (subject to monthly access quota of first 400)
RHB Plat - 4X a year at Plaza Premium Lounge KLIA, LCCT and Senai. 4X access shared with supp card (i.e. supp card also can enter free)

Remark: Most of the Platinum cards issued in Malaysia can only grant free access to KLIA Plaza Premium Lounge only, not the lounges in LCCT and JB.
SCB VI through Priority Pass and Amex Platinum charge card at most of the lounges worldwide.

14. Previous versions
Credit Card V2 Thread : http://forum.lowyat.net/topic/594906
Credit Card V3 Thread : http://forum.lowyat.net/topic/691229
Credit Card V4 Thread : http://forum.lowyat.net/topic/741933
Credit Card V5 Thread : http://forum.lowyat.net/topic/842676
Credit Card V6 Thread : http://forum.lowyat.net/topic/953666
Credit Card V7 Thread : http://forum.lowyat.net/topic/1069190
Credit Card V8 Thread : http://forum.lowyat.net/topic/1250745
Credit Card V9 Thread : http://forum.lowyat.net/topic/1264667
Credit Card V10 Thread : http://forum.lowyat.net/topic/1414513
Credit Card V11 Thread : http://forum.lowyat.net/topic/1530782

15. Useful information
BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250. See the actual document here. (Courtesy of tishaban) (thanks awaynoway for the updated link)

Credit information:
CCRIS: http://creditbureau.bnm.gov.my/
CCRIS report - go to Bank Negara yourself and use self-service terminal to get report with MyKard (you need to go as need thumb print).
CTOS: http://www.ctos.com.my/
BRIS: http://bris.com.my/index.html

Swipe Smart with 6E:
http://www.abm.org.my/Swipe_Smart_with_6E_...ffectively.aspx

16. FMB - Financial Mediation Bureau
http://www.fmb.org.my/index.htm

17. AKPK
- An agency set up to provide financial education, financial counseling and debt management
http://www.akpk.org.my/Home/tabid/36/Default.aspx

Link to AKPK thread : http://forum.lowyat.net/topic/876712

18. Other Links By Users
A blog about credit cards > My Credit Cards

19. Credit Card/Charge Card Reward Points
Validity of numerous credit card/charge card reward points
1) HSBC - up to 3 years
2) Citibank - reward points are evergreen
3) Maybank - reward points are evergreen
4) CIMB Bank - 3 years
5) Alliance Bank - reward points are evergreen
6) Standard Chartered - 3 years (**SCB VI Choice Points are evergreen)
7) American Express - Membership Rewards Points are evergreen
8) Hong Leong Bank - up to 3 years
9) AmBank - up to 3 years
10) RHB Bank - 3 years for Platinum and 2 years for all cards ranked lower than Platinum
11) UOB - 3 years

20. Premium Credit Cards and its requirements
1) CIMB & DA World Mastercard Visa Infinite - Min Income Requirement: RM 200k
Existing HSBC Cardholder with CL RM30k and above OR Citibank CL RM50k and above OR Other banks RM70k and above MIGHT also be accepted, limited time promotion only
2) Maybank World Mastercard - Min Income Requirement: RM 240k
3) MBF World Mastercard - Min Income Requirement: RM 200k (By Invitation)
4) Standard Chartered Visa Infinite - Only for Priority Banking customer (RM 250k in deposits)
5) RHB Visa Infinite - Strictly by Invitation Only
6) CIMB Enrich World Mastercard - Strictly by Invitation (those with card usage above RM 500k per annum may be considered)
7) HSBC Premier Mastercard - Only for HSBC Premier customer (RM 200k in deposits)

21. Best Credit Cards and its categories
Please note these are just recommendations based on normal spending. High spending or specific usage individuals might want to look at other cards.
1) Classic Card = Hong Leong Essential
2) Gold Card = Alliance Younique, AMEX Gold Credit Card
3) Titanium Card = OCBC Titanium
4) Platinum Card = Alliance Platinum / SCB Business Platinum / Citibank Cash Back Platinum / AMEX Platinum Charge Card (assuming AF is waiveable)
5) Visa Signature = EON VS
6) Visa Infinite = SCB VI
7) World MasterCard = Maybank WMC (assuming AF is waiveable)

This post has been edited by alexwsk: Nov 23 2010, 11:09 AM

Maybe it's time to review the 1st page information and keep up-to-date?

definitely, any suggestions?
come this friday surely have something new to update

The current EON Bank administrative fee for overseas transactions is 1% instead of 2%.

anyone has experienced 4 weeks of processing for their OCBC Titanium? I missed two calls from private number this and last week, not sure whether it is from OCBC.

not sure whether I need to follow up or just wait and see

updated, will go thru the first post to see whether there's any dead links tomolo morning

Call up automated CS to check your status. 0383175000

yes already call the status still under process. that is why wonder need to wait or speak to CS

I would advise you to quickly call 1300885000 to inquire what's going on.
My sister also missed one private call last week. She has been complaining on the PENDING status, until today she called back to Call Centre and was told that the previous call was to verify some details in the application form. After the conversation and verification, the Officer told that application status will be known in 2 days' time.

Why not have a subsection for Premium Credit Cards and its requirements?

Eg:

CIMB & DA World Mastercard Visa Infinite Min Income Requirement: RM 200k
Maybank World Mastercard Min Income Requirement: RM 240k (By Invitation)
MBF World Mastercard Min Income Requirement: RM 200k (By Invitation)
Standard Chartered Visa Infinite: Only for Priority Banking customer (RM 250k in deposits)
RHB Visa Infinite: Strictly by Invitation
CIMB Enrich World Mastercard: Strictly by Invitation (those with card usage above RM 500k per annum may be considered)

bookmark

Yes... OCBC calls will be listed as "Private number".
If you don't answer, then they will assume the contact details are fake, and subsequently reject your application.

This post has been edited by ronnie: Oct 13 2010, 11:21 PM

Some of my findings but I'm not sure whether you will state for a particular card of a bank or not. Just see which one applies. Italic sentence with brackets are just my comments.

1. Annual fee
OCBC (**minimum swipes apply)

2. Tap and Go - no signature required
CIMB Touch 'n Go Visa (This one a bit different as it is the first credit card with Touch and Go)

3. Credit Card linked to Petrol Giants
Citibank <> SHELL (This only applicable for Citibank Shell, Citibank Cashback Plat applies to all petrol stations)

9. Cash Advance fees
HLB Essential: 2% of the amount advanced or a minimum of RM5, whichever is higher. This is imposed for each cash advance transaction. Minimum withdrawal for each cash advance is RM200.

12. RM50 Government Service Tax
With effect from 1 January 2010, there will be service tax imposed on credit card as follows :
i. RM50 per annum on each Principal Card; and
ii. RM25 per annum on each Supplementary Card
The service tax will be collected on the date the card is issued, on the completion of each year or on the date of renewal of the card.
This means that the above mentioned service tax shall be levied on new credit card issued effective from 1 January 2010. For existing credit cards issued before 1 January 2010, the service tax shall be levied upon anniversary of card issuance.


(Although Budget 2011 will be announced soon, but the current GST charges is still applicable and a lot people is asking the same question. Furthermore, the thumbnail image link is broken)

This post has been edited by ck3lam: Oct 13 2010, 11:29 PM

is the govt budget 2011 out yet?

Tomorrow

@rockefeller

MBB WMC changed to by invitation now?

ok

any holders want to confirm on this?
whether it's by invitation only or open application?

From my own experience, you can apply for MBB's WMC openly @ selected promotion period/location. For example, I was offered the WMC @ the recent PC Fair when the bank staff saw the card that I am using as reference.

I also remembered that during this year's Maybank's Treats @ MidValley a forummer also reported that the WMC is open for application during that period. So ... I am not exactly sure how to classify the application type coz both also is possible.

This post has been edited by hye: Oct 14 2010, 08:53 AM

i've already updated it to open application, based on MBB website

I got mine by invitation since I was already their Visa Platinum cardholder and the annual fee's waived by virtue of being their private wealth management client. I asked the officer in Maybank TTDI he said the issuance of the card is on by invitation basis but, he however said, if you can prove that your earnings is more than RM 240k annually, they can recommend for you to get invited.

---

Added on October 14, 2010, 9:12 amFor CIMB / DA World or VI, can you add the requirements to Min Income requirement of RM 200k or Existing HSBC Cardholder with CL RM 30k and above OR Citibank CL RM 50k and above OR Other banks RM 70k and above?

Thanks.

This post has been edited by rockefeller: Oct 14 2010, 09:12 AM

As requested in v11 thread, this is the list of my spending on OCBC Titanium card from 9/28-10/11.
The spending listed is "round down" and "sum".

479.00 Klinik + Insurance
253.00 Carrefour Tropicana
119.00 Giant Kelana Jaya
45.00 Petrol BHP
58.00 Pizza Hut
42.00 Secret Recipe
113.00 TMOnline
100.00 TNB @ Kedai Tenaga
100.00 TNB @ OCBC

5% rebate 28.95
1% rabate 7.32


The first transaction is obviously 1%.
The others is obviously 5%. Somehow, I get 1% for some of my spending. To be accurate, RM253 total spending goes to 1%.
My first guessing is Carrefour which 253 sharp.

Hope the expert here can help.


P/S:
Remove as not relevant anymore.

This post has been edited by lara_: Oct 14 2010, 09:55 AM

EON's Visa Signature also entitles to free priority pass membership for limited free lounge visits worldwide

@rockefeller

Let's publishing the reference CL required to apply CIMB WMC since it is likely a limited time promo done by the bank. They can pull the plug on this promotion anytime and the application is not exactly 100% guaranteed.

There's still some chance you can get rejected. Many reader here think cc approval is their right but for for that at the end of the day ... you are "applying" for for the card. So rejection does exist.

---

Added on October 14, 2010, 9:37 amLimited means ... you are likely to be charged once the free visit are up. I have spoken to the Premier Lounge rep @ LCCT and they have this problem where customers get upset with their bank when they see the charge later. Often they demand the Premier Lounge rep to check their membership status (payable or not) which they are unable to do.

This post has been edited by hye: Oct 14 2010, 09:37 AM

Ronnie did not shop at Carrefour Tropicana....
Based on the calculation, it seem to indicate 1% for Carrefour Tropicana & Klinik + Insurance (RM4.79+RM2.53=RM7.32)
Was the total 5% rebate = RM28.95 ? Based on my calculation, it should be RM28.85.

This post has been edited by ronnie: Oct 14 2010, 09:43 AM

Statement Date = 15 October 2010

On 17 October 2010, I did Cash Advance withdrawal from ATM for RM100.
From 17 October to 15 November 2010, will there be DAILY INTEREST (18% p.a.) charged on the Cash Advance withdrawn ?

Peraturan Kad Kredit Lebih Ketat [Sauce]
^
some sneek & peak before the official Budget 2011 tomorrow, if it is implemented, do you think it is a good move?

-cheers-

Old news.... let's all wait for Najib's Budget speech this Friday for actual details, rather than rumors.

100 also wanna witdrawn from cc?

You will kena cash advance fee of 5% or RM50 whichever is higher. Daily interest is calculated until full payment.

This post has been edited by jack2: Oct 14 2010, 10:05 AM

Sorry for the carrefour misunderstand. Previously you comment on my "Carrefour Tropicana", I thought you shop the same branch.
For the 5% rebate discrepancy, I am not sure. Probably "the system does not round down for all transactions amount" or "sum up then only round down" or "etc".

I'm just showing RM100 as an Example... maybe RM5000 is better choice ;-)

How is the daily interest calculated ?
A. from 17 October 2010 until full payment is made
A. from 15 November 2010 (statement date) until full payment is made

The figures you provide was based on Sum Up + Round Down, right ? Eg. the Klinik + Insurance
If you gave exact figures per transaction as Round Down, we could get closer to the figure.

huh!? Is that correct? Does that mean cash withdrawal of RM100 from cc will kena RM50 cash advance fee? wow!

Paiseh.. OCBC is the lowest among bank industry.

The cash advance fee is 5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance/casino chips transaction.

Finance charge on cash advance or casino cash chip is calculated from date of transaction until full payment.

Then the answer is A. from 17 October 2010 until full payment is made

Is the above applicable to all Credit Cards issued in Malaysia ?

thx, changes made, just hope ppl will look at the first post b4 asking any questions
else it's meaningless

Nope. The figure I gave is "round down each transaction" and then "sum by shop".
Klinik + Insurance is sum after applied the formula above.

Then the figure should tally... strange. Nevertheless, we don't complain when we get more rebates (additional RM1), right ?

Hi, I saw in PBB website that their visa/master gold had 15% cash rebate during weekdays and 10% cash rebate during weekend for ANYTHING, ANYWHERE. In addition, RM60 cash back when activate the card. Any condition to get the RM60 cash back? the 15% and 10% cash rebate is applicable until when?

Absolutely even though the amount is RM0.10.

read the tnc at their website
no condition for the RM60 cash back, must be new customer, can also choose 0% interest for 8 months
cash back is valid until next february

You are already at PB's website... still asking these questions ? Check the T&C links.

HLB Essential card has the lowest cash advance fee.


Is your rounding correct?

Btw, there is one guy saying he get 5% from C4 Tropicana. Mm...

Thanks for the reply. Didn't see the T&C link just now.. Bcoz too excited when saw the promotion =)

the 15% cashback is not easy to get... you need to be the first 3,000 CC holders to qualify each month.

Transaction
Date Posting
Date Transaction Description Debit (RM) Credit (RM)
13/10/10 13/10/10 ANNUAL FEE WAIVER - 150.00
13/10/10 13/10/10 Annual Fee 150.00 -
13/10/10 13/10/10 CASH REBATE - 50.00
13/10/10 13/10/10 GST SVC FEE CHARGE 50.00 -

Wow , EON BANK help me to pay the GST wo ... , my GSC CC just 1 year today ..

That's nice... is that without you asking for the waiver ?
Maybe you spend alot using their card...

WOW!!! that's nice! Will CIMB do this for their credit card customer as well? Will they waive the GST if call to request? hahaha..

Hi,

5 weeks ago I've applied OCBC Mastercard Titanium with pledging FD.

And today i called their hotline and was told that my application was not succesfull. My question is can i appeal for that application? Anyone here have an experience to appeal when unsuccesful before?

I was told by the CS that there is no such thing but she said i can write a letter to their Credit Processing Department.

Should i appeal or should i just withdraw all the FD and try with another banks?

Thanks

I didn't ask them for waiver , I aware of my annual date and I thought I have to fork out the annual fee for them but now they waived alr , so nice of them
I don't know, I got 6k++ point with them now and every month also got movie with them , I think I spent around RM 5k++ with them gua ... always pay on time , never give them a chance to charge me 1% interest , they paid for my GST , I happy about it .. good job to EON Bank.

Hahaha ... CIMB ahh ? Not so sure , as I know .. I paid the GST on May. I didn't try to call them.

As an EON cardholder, didn’t you know EON will rebate RM50 for total spending above RM5k and Annual fees will be waived if minimum swipes are met?

You should have a try.. Nothing to lose except the phone bill.. hahaha.. And the rewards mayb RM50 wor...

By the way, their bonus point system is expired after 3 years from the date card issued or 3 years from the transaction date?

100% NO same as with Maybank .........

OCBC CS called and explained that indeed Carrefour Tropicana only 1% rebates. The CS went through all my transactions and how to arrive at my 5% rebates. But then I arrived at my 5% rebates using the actual total amount spent, and not individually rounded up as mentioned by some forummers.

ck3lam,
I not aware of rebate of RM50 if I spending above RM5k within 1 year.
2nd is I aware about the minimum swipe.
Are you trying to pointing something to me ?

Yup,their bonus point will expired as I know,please correct me if my info are misleading ... so I rarely use CIMB bank,just for emergency

Just this 2 bank didnot offer waive of GST?

hallo
i thinking to buy a hp
if i use rhb credit card or eon credit card buy it
can i convert the bill into easy payment with 0 % interest?

Hello .... the question is that are you looking for a cc provider who give you lousy service but all freebies or likewise? Seems you are looking for everything to be free from all the questions you posted.

e.g. CIMB got many attractive offers and merchant discounts / OCBC you get rebates which are far worth more than the GST paid. Too bad you are probably won't consider them coz they don't pay for you the GST.

GST somebody has to pay ... please get that right. It is not waiverable in the first place.

---

Added on October 14, 2010, 5:37 pmcheck with your rhb bank CS

This post has been edited by gerrardling: Oct 14 2010, 05:37 PM

o O
no ppl know the answer also a

You can convert to installment plan by using your eon bank cc.
http://www.eonbank.com.my/consumer/creditc...ment_plan.shtml

Read in today the sun

is it related to the RM50 CC GST or not???

not related, this is for goods and services

Good job, alex. Although CIMB/DA WMC and VI are premium cards, their cardholders are not granted with free access to airport lounges.

SCB on the other hand, offers UNLIMITED entries to KLIA Plaza Premium Lounge for their principal Platinum MC or Visa, WMC and VI cardholders.


That's ridiculous. If they didn't swipe their cards and didn't sign the slip, how could their cards be charged?

I always make sure that my cc can be granted free entry then only I enter the lounge.


I am very surprised to learn that your spending at Carrefour Tropicana City was only entitled to 1% cash back. You should make a complaint to OCBC. They might have calculated the rebate wrongly.

Just I thought you should have knew it after using the card for a year, there is also such information appears on the statement.
To be exact, even if you didn’t spend up to 5k, the bank will still rebate to you 1% of total spending. Just the maximum is RM50 rebate capped per year.

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Added on October 14, 2010, 7:14 pmJust like Jusco. Maybe related to AEON?

This post has been edited by ck3lam: Oct 14 2010, 07:18 PM

Allow me to clarify, this refers to Priority Pass holders which are given complimentary by the bank as part of the cc package. Likely they are unaware that they have been given membership only and/or limited entry. (e.g Citibank Signature) When you swipe the Priority Pass card, you can't tell whether you'll be charged or not until much later. The entry charge just appears on your credit card should you use it once your free entry runs out.

Entry using cc are tracked and they will tell you whether the quota is already over or not.

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Added on October 14, 2010, 7:53 pmYeeshhh ... my most hated card!

This post has been edited by hye: Oct 14 2010, 07:56 PM

Carefour has nothing to do with Aeon. Carefour is a hypermarket chain, while Jusco is just a supermarket and departmental store and was never considered as a hypermarket.


The cardholders of Citibank and EON Bank VS should be aware of the numbers of free entry to airport lounges. They cannot really blame the lounges for charging them. Only SCB VI gives unlimited free access to airport lounges through Priority Pass.

that's the problem, ppl don't bother to read the tnc sent together with their cards
else they shud be able to keep track of it and avoid being charged

Yup ... totally agree with you!

check with your eon bank CS then come back here and let us know.

IMHO, OCBC should not be liable for the inappropriate MCC code assigned to Carrefour. This has been mentioned in the T&C. I don't think OCBC will entertain this kind of complaints.

Oh previously heard that AEON is going to buy over C4. Nvm, it's not important.

Well, I'm just wondering why different C4 has different MCC, just...weird.

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Added on October 14, 2010, 9:03 pmMaybe they are too excited to use the card. Looking at tnc will make them yawning

This post has been edited by ck3lam: Oct 14 2010, 09:04 PM

We, consumers cannot be just keep quiet and let Carefour Tropicana City keep giving only 1% cash back. Those so called victims should make a report to Carefour and OCBC on this. No harm to have a try.

@ rockefeller

Huh ? HSBC with CL 30k above can be used as reference to apply for CIMB VI / WMC for 100k CL ? Hm... perhaps its rare cases ? i dont think this apply to everyone , AFAIK using card reference without submitting any proof of income usually will have CL increment by 5% - 20% from the card, mostly considered by credit exposure of the applicants. from 30k jump to 100k , there is quite a big gap....

Ya, maybe can ask them what MCC for C4 Tropicana is.

This post has been edited by ck3lam: Oct 14 2010, 09:30 PM

Agree!
We cannot blame OCBC for not giving 5% rebate. It is not the bank's fault anyway. But we can ask the bank what mcc code Carrefour is using.

Ya
The problem is we donno which shop with what MCC code then we unable to know which can entitle for 5% or not

Yes this applies generally. Three of my friends got their CIMB VI/WMC by submitting HSBC Platinum CL 30k. If you're in the banking industry, it is general knowledge that CIMB is desperate to increase its credit card database thus granting high credit limit to many people even without having substantial deposit / facility with them. They are still far behind Maybank in terms of card membership.

This post has been edited by rockefeller: Oct 14 2010, 10:38 PM