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

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gastacopz
post Oct 14 2010, 06:17 PM

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Read in today the sun

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

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gastacopz
post Oct 24 2010, 04:47 AM

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QUOTE(Lineage @ Oct 23 2010, 10:40 PM)
Hi guys,

How is the approval rate for HSBC? I just apply last week..hope HSBC will approve me next week..

Normally how much credit limit HSBC giving for the classic card? let say my basic salary 2.3k..
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most probably CL should be 6k as for classic card... biggrin.gif
gastacopz
post Nov 6 2010, 11:49 PM

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regarding the GST..let say my card anniversary is Nov, when they will be charging the fees??

and can i redeem it using my point AFTER they charge it to my CC??or should i redeem using the point in advance???
gastacopz
post Nov 7 2010, 02:27 AM

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QUOTE(MilesAndMore @ Nov 7 2010, 12:22 AM)
GST will be charged on Nov statement.

redeem point AFTER the GST shows in statement.
QUOTE
For HSBC credit card, the credit card service tax will be charged a month after your credit card anniversary month.
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hmm.gif

mine is HSBC...how do you know?

lucky guess is it hmm.gif

This post has been edited by gastacopz: Nov 7 2010, 02:28 AM
gastacopz
post Nov 7 2010, 11:21 AM

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QUOTE(erry- @ Nov 7 2010, 02:57 AM)
yea i also using HSBC. statement every 28th. my expiry is 08/14.
statement on 28 Aug dont have GST, on 28 Sept then got.
due date 18 Oct. pay full amount on 18 Oct then redeem points online on 19 Oct.
latest statement 28 Oct got both full payment and also points redeemed. extra money paid for GST (rm50) counted as early payment for current bill.
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if dont want pay rm50..can call them and ask to redeem from points can ?

Added on November 7, 2010, 11:22 am
QUOTE(MilesAndMore @ Nov 7 2010, 10:30 AM)
Not really. Just wanted to point out it's a bit different with HSBC and it just so happens you're using HSBC credit card  biggrin.gif
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now i know HSBC always different with other banks biggrin.gif

This post has been edited by gastacopz: Nov 7 2010, 11:22 AM
gastacopz
post Nov 7 2010, 01:54 PM

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QUOTE(MilesAndMore @ Nov 7 2010, 11:31 AM)
Paid mine just about three months ago. I got a firm no when i tried to get them to pay for the credit card service tax for me  sweat.gif

If you are looking for a real generous bank, i guess you have to move your business to Standard Chartered  smile.gif
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sweat.gif sweat.gif

so means still have to pay RM50..then redeem from the points and the RM50 paid carry forward for next month bill is it??? hmm.gif

maybe i can try redeem 1st..see how it goes... biggrin.gif



gastacopz
post Nov 7 2010, 08:04 PM

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QUOTE(MilesAndMore @ Nov 7 2010, 02:39 PM)
Do you have access to HSBC online ? If you have, you can redeem the RM50 service tax with 9,500 rewards points once the credit card tax appears in your card account transaction history page. This way you won't have to fork out your own RM50 first.
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yup..i do have their online facilities..already redeem the RM50 GST, eventhough the service tax not yet charged to my CC...see how it goes from there... thumbup.gif
gastacopz
post Nov 8 2010, 10:20 PM

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i have outstanding balance of RM474...which due on 9th Nov..

let say i only pay RM450, will the balance RM24 have any %charges for next month statement??
gastacopz
post Nov 11 2010, 09:16 AM

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QUOTE(erickyoko @ Nov 11 2010, 01:51 AM)
hi...want to ask do all credit card comes with the PIN number?i just get my first CC and wanted to do internet banking but no PIN so cannot access to ATM....
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QUOTE(MilesAndMore @ Nov 11 2010, 02:32 AM)
Yes. It will arrive separately.
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i thought PIN will arrived 1st...followed by card...well, that's what happened in my case with HSBC smile.gif

not sure bout other cards
gastacopz
post Nov 11 2010, 02:28 PM

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QUOTE(MilesAndMore @ Nov 11 2010, 09:32 AM)
Guess it's different with every banks  biggrin.gif

By the way, i just got RM139.85 from HSBC MEGASALE CASHBACK !!!  laugh.gif  This is definitely a surprise. Kind of ecstatic now as i really did not see this coming. Besides, this is actually the first time i got something from my credit card  rclxms.gif

[attachmentid=1879056]
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cry.gif cry.gif cry.gif

me never get anything so far from HSBC...

joined almost every of their promotion...but, still no luck
gastacopz
post Nov 13 2010, 11:27 AM

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is OCBC Titanium a very good card??

mind to share please...think of getting one..and cancelled my current CC....
gastacopz
post Nov 13 2010, 10:47 PM

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QUOTE(ronnie @ Nov 13 2010, 12:49 PM)
YES

5% Cash Back on Petrol
5% Cash Back on Dining
5% Cash Back on Grocery
5% Cash Back on Utility Bills
1% Cash Back on other Retails spends
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everyday or any T n C's for it?
gastacopz
post Nov 15 2010, 11:37 AM

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any free gifts or not for OCBC Titanium???
gastacopz
post Nov 22 2010, 05:09 PM

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QUOTE(cyang81 @ Nov 22 2010, 12:44 PM)
MBB will offer you 10,000 points if you terminate the CC.
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is it the same with HSBC? hmm.gif
gastacopz
post Nov 23 2010, 11:26 AM

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QUOTE(EdwinTan @ Nov 23 2010, 10:50 AM)
I think they would... better settle it.. you might get late payment charge too...

Added on November 23, 2010, 11:12 amSomething to share for ocbc titanium statement. I just know that 1% rebate is capped at RM20  sad.gif however the 5% is capped at Rm 100 until 31 Dec this year. Next year the rebate will be combined and capped at RM50. If you need to know which transaction entitle for 5% rebate, you have to call the customer service and ask them one by one like I did  sweat.gif Overall I am happy to use this card as I'm getting more rebate than my other cards.  smile.gif

» Click to show Spoiler - click again to hide... «

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doh.gif

was thinking to get one...but the rebate capped to 50 only next year... sweat.gif sweat.gif
gastacopz
post Dec 2 2010, 10:35 AM

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want to few question..

if i want to cancelled my current CC, which i just paid the GST last month, will be charged for the GST also for next year?

thinking of getting OCBC Titanium..and this card also the GST upon approved or how??

thanks...
gastacopz
post Dec 7 2010, 10:51 AM

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help clarify to me please guys...

ive redeemed rm50 gst from my hsbc..and they credited rm50 to my cc...total amount i need to pay for that month is 660++..but become rm610xx...after minus rm50 they credited to me..

and this month, got rm50 statement added to my bill..

i should pay this amount right since they already credited rm50 to my account a month earlier (for the GST tax)...

or i shouldn't pay this??

help please..confuse here....

This post has been edited by gastacopz: Dec 7 2010, 10:51 AM
gastacopz
post Dec 7 2010, 10:55 AM

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QUOTE(MilesAndMore @ Dec 7 2010, 10:54 AM)
If you intend to pay in full, you should pay the amount stated in the statement balance column.
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yup..im always pay full..just this time got confuse bout the GST..

i should pay or not RM50?? hmm.gif
gastacopz
post Dec 7 2010, 05:54 PM

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QUOTE(erry- @ Dec 7 2010, 01:16 PM)
HSBC gst will be charged 1 month after expiry date. if ur expiry is 09/14 then the gst will be on ur Oct statement, not Sept.

u should redeem gst50 AFTER it shows at ur statement. like me, i did pay full amount 1st (the last day of due date) then redeem gst50 (before next statement). so my next statement got rebate rm50 and extra rm50 will be deducted to next statement.

do u pay early? if yes, pls call HSBC helpline
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QUOTE(MilesAndMore @ Dec 7 2010, 02:29 PM)
He already redeemed the credit card tax last month ... before the actual credit card tax is billed. And since they have credited the credit card tax that he redeemed last month.
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yup..i redeemed in advance...and have been calling their helpline..

so, my golden question is..do i need to pay for this or not??

i really a bit failed in this things actually... laugh.gif
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