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

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lara_
post Oct 14 2010, 09:30 AM

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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. rclxms.gif


P/S:
Remove as not relevant anymore.

This post has been edited by lara_: Oct 14 2010, 09:55 AM
lara_
post Oct 14 2010, 10:01 AM

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QUOTE(ronnie @ Oct 14 2010, 09:42 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.
*
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".
lara_
post Oct 14 2010, 11:09 AM

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QUOTE(ronnie @ Oct 14 2010, 10:10 AM)
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.
*
Nope. The figure I gave is "round down each transaction" and then "sum by shop".
Klinik + Insurance is sum after applied the formula above.
lara_
post Oct 14 2010, 11:36 AM

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QUOTE(ronnie @ Oct 14 2010, 11:21 AM)
Then the figure should tally... strange. Nevertheless, we don't complain when we get more rebates (additional RM1), right ?
*
Absolutely even though the amount is RM0.10. rclxms.gif
lara_
post Oct 18 2010, 03:56 PM

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QUOTE(chemistry @ Oct 18 2010, 02:16 PM)
It is a common physchology that humans feel uncomfortable when other ppl also possess something that they think only they are deserved.
*
tongue.gif whistling.gif nod.gif
lara_
post Oct 20 2010, 10:58 AM

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QUOTE(rockdaman @ Oct 20 2010, 10:26 AM)
anybody has ocbc and citibank supplementary card application form?
*
For OCBC, you can get the form here http://www.ocbc.com.my/personal-banking/ba...0App%20Form.doc
lara_
post Oct 27 2010, 11:36 AM

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QUOTE(winner @ Oct 27 2010, 11:08 AM)
Has anybody here successfully registered any payees under the OCBC online banking? I tried to register Astro, SYABAS and SAJ a few times but none of my attempts was successful.
If you don't mind, you may scan and post your letter here. I inquired about this 5% cash back promotion with SCB CS. The officer replied, NO SUCH THING!
*
I have registered TM, TNB and MBPJ. All success and but only TNB and MBPJ appear in Registered Payee screen.
According to CS, TM bill does not accept Credit Card payment. So it does not shown although registered successfully.
lara_
post Oct 29 2010, 11:07 PM

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Any idea how OCBC Titanium securepay work? Does it send OTP to our phone?

I notice when I pay bill at TMOnline, no OTP is send to me although TMOnline support securepay.
The transaction just successfully completed.
lara_
post Nov 17 2010, 10:31 PM

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How does DA 6 months 0% Balance Transfer work? During the period do I need to pay a minimum payment of 5%?
lara_
post Nov 17 2010, 11:11 PM

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QUOTE(Gen-X @ Nov 17 2010, 10:47 PM)
yes, you got to pay minimum 5% of BT amount. Click on my signature below to learn more on DA BT.

and also here http://creditcardsmalaysia.blogspot.com/20...0-interest.html 


Added on November 17, 2010, 10:48 pm
Thanks! I normally received the hardcopy statement quite late.
Does DA accept online statement like the one in OCBC internet banking? Any idea?
lara_
post Nov 17 2010, 11:28 PM

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QUOTE(zenquix @ Nov 17 2010, 11:16 PM)
think to avoid confusion, if you only pay 5%, you will need to pay interest on the balance.

A 0% 6-month balance transfer will see the bank charging you your transfer amount/ 6 every month for 6 months, which you pay in full to avoid interest
*
Understood. I will clear it in 5 months. I just want to try it and enjoy the free loan too.

BTW, can I do the transfer more than 1 time and still entitle 0% for 6 months?

For example,

Nov 2010, BT 10K from OCBC to DA. Due date May 2011.
Dec 2010, BT 10K from OCBC to DA. Due date June 2011.
lara_
post Nov 17 2010, 11:32 PM

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QUOTE(Gen-X @ Nov 17 2010, 11:29 PM)
yes you can as long as you still have available credit
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Great! rclxms.gif Will submit my application tomorrow.
lara_
post Nov 17 2010, 11:40 PM

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QUOTE(Gen-X @ Nov 17 2010, 11:36 PM)
just wanna ask you, your OCBC is Titanum and new account?

If yes to above, you will be getting 0% interest for your OCBC until end of Dec. So just BT your OCBC amount to DA next month and enjoy 1 extra month 0% interest for the amount in OCBC.
*
Yeah, it is OCBC Titanium. I need to transfer it to clear off my current outstanding balance. It is going to hit the limit. rclxub.gif

lara_
post Nov 17 2010, 11:58 PM

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QUOTE(Gen-X @ Nov 17 2010, 11:44 PM)
OIC, just as a friendly reminder, with 0% interest free you still got to pay back principal and make sure you have funds on hand today for whatever transactions you make today and not fall into bank trap enticing you to spend what you don't have (i.e. cash).
*
Thanks for the reminder. biggrin.gif

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