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

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post Oct 14 2010, 06:58 PM

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QUOTE(alexwsk @ Oct 13 2010, 10:20 PM)
13. Airport Lounge Access
Alliance Plat - access to KLIA no limit.
Citibank Premier Miles - worldwide airport lounge twice a year (saw thier website need to apply before hand). Access to Plaza Premier lounge at 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 - access to KLIA no limit (*may actually have a limit of 12 times a year).
SCB VI - gives Priority Pass membership with unlimited free admissions for principal ONLY.
HSBC Premier - don't even have access to KLIA lounge
EON Bank Visa Signature - free priority pass membership for limited free lounge visits worldwide

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.
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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.


QUOTE(hye @ Oct 14 2010, 09:35 AM)
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.
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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.


QUOTE(stacko @ Oct 14 2010, 04:09 PM)
OCBC CS called and explained that indeed Carrefour Tropicana only 1% rebates.
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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.
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post Oct 14 2010, 08:14 PM

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QUOTE(ck3lam @ Oct 14 2010, 07:13 PM)
Just like Jusco. Maybe related to AEON?
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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.


QUOTE(hye @ Oct 14 2010, 07:53 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.
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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.
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post Oct 14 2010, 09:14 PM

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QUOTE(chemistry @ Oct 14 2010, 08:49 PM)
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.
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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.
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post Oct 15 2010, 06:17 PM

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QUOTE(rayfoo @ Oct 15 2010, 06:04 PM)
budget no news on credit card??
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No new announcement on cc at all. The service tax of RM50 for principal card and RM25 for supplementary card stays put. No restriction on number of CCs that can be held by an individual.
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post Oct 15 2010, 08:17 PM

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I made a redemption request to SCB for Samsonite X Blade on Tuesday for only 54,000 choice points. And today, I've received the trolley luggage via courier. It's super efficient.
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post Oct 17 2010, 07:38 AM

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QUOTE(alexwsk @ Oct 16 2010, 08:57 PM)
well, my current SCB is 9x my monthly salary sweat.gif
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I am not aware that SCB offers such a higher CL ratio. Mine is 3.5x my monthly salary, while my OCBC Titanium's CL is 2.5x. My SCB's CL was used to be my highest CL before I obtained DA VI.


QUOTE(simplesmile @ Oct 16 2010, 11:35 PM)
How does one decide if he/she needs another credit card or not?
I have a SCB JustOne.
Going to cancel my HSBC Gold.
The OCBC titanium looks good. I don't know if I'll benefit from the card or not considering I already have SCB JustOne.
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Although SCB JustOne Titanium is a great card, the cash back per annum is capped at RM600. It would be better to get another card such as OCBC Titanium as a back up, in the event that the cashiers fail to swipe your SCB JustOne Titanium. We had experienced some problems when teaching the cashiers to select "credit" function to perform a transaction.

As for my case, my SCB JustOne Titanium had already hit the annual cash back limit last month. Therefore, I need other cards like OCBC Titanium (mainly for dining, grocery, utilities and petrol expenses) and SCB World MC (x2 choice points and discounted points requirement for redemption) to perform my transactions.
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post Oct 17 2010, 04:08 PM

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QUOTE(simplesmile @ Oct 17 2010, 01:51 PM)
Is it possible to request the bank to reduce the credit limit? What implications will this have? Any adverse impact on Credit Score?
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Banks can reduce your CL upon request. This will reduce your credit risk instead and you will get bank loans easier.


QUOTE(andrekua @ Oct 17 2010, 03:16 PM)
Give you, dont give also complain..
SCB give me almost 15x my salary..
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OMG! Banks should strictly approve CL based on income statement, not on card reference basis. CIMB and SCB are the culprits.


QUOTE(lamode @ Oct 17 2010, 03:45 PM)
anyone can help?  icon_question.gif  icon_question.gif  icon_question.gif
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The promotion has been running for quite some time, and it was still valid last month. Instead of enquiring here, you should check SCB's website and call the CS to get a definite answer.
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post Oct 17 2010, 05:13 PM

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QUOTE(audy @ Oct 17 2010, 05:06 PM)
I received a FedEx card offer from Maybank 3 mths ago but I never activated it although a MBB officer did call and ask if I received the card, which I just responded yes.  End of conversation.

Today I received a statement charging me for the RM50 service tax. How can MBB do this?
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Did you apply for the card in the first place? If yes, you are liable for the service tax payment. If no, you should call MBB to cancel the card and service tax immediately.
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post Oct 17 2010, 07:08 PM

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The problem is that you received the card 3 months ago. When the bank officer called you to verify, you did not reject the card on the spot. The bank might think you had accepted the card so that they activated the card for you.

I guess you would forever keep queit and keep the card if you did not see the RM50 service tax in your statement. Treat this as a lesson. Your ignorance gave you trouble. What you need to do is to inform the bank to cancel the card immediately. You still have a chance not to pay the service tax which has been charged.

This post has been edited by winner: Oct 17 2010, 07:14 PM
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post Oct 17 2010, 07:53 PM

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He received the card which was sent by courier. I guess this is what he meant.
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post Oct 17 2010, 09:31 PM

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QUOTE(MilesAndMore @ Oct 17 2010, 08:50 PM)
I see  sweat.gif
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I re-read his post. Another possibility is that he might refer to AmEx. shocking.gif
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post Oct 17 2010, 09:37 PM

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QUOTE(chemistry @ Oct 17 2010, 09:28 PM)
Guys, I did a grocery shopping at Billion a few days ago, after that I checked on OCBC Online and found that transaction's description was "Billion Shopping Centre", which is not in the 5% rebate category.
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Billion is just like Jusco. It is a supermarket or departmental store. To be safe, you would better to shop at bigger hypermarket chain like Giant and Tesco in order to get the 5% rebate guarantee.
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post Oct 18 2010, 09:28 AM

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QUOTE(MilesAndMore @ Oct 17 2010, 09:50 PM)
What ? RM80 ? That's a new high ! The highest i've come across is just RM50.
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Minimum RM100 at "Mr DIY" a few months ago. The requirement has been reduced to RM50 when I revisited the shop last week.

I had swiped RM5 at Jusco before. sweat.gif
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post Oct 18 2010, 09:34 AM

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QUOTE(rockefeller @ Oct 17 2010, 11:59 PM)
I was in Pavilion KL today to do some shopping and I saw at least ten people paying for their purchases with either CIMB Visa Infinite or World Mastercard. Somehow, it's like a common sight that doesn't make both cards look exclusive anymore!
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It is probably due to the ongoing promotion for CIMB/DA WMC and VI in Pavilion. There is currently a Big Spender contest for these 2 cards specifically in Pavilion only.
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post Oct 18 2010, 04:56 PM

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QUOTE(zenquix @ Oct 18 2010, 04:15 PM)
has anyone used the OCBC Tit at pubs? Is that in the 1% or 5% category?
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I swiped the card at WIP Bangsar Shopping Centre. It is a pub cum bistro. And yes, my spending at WIP gave me 5% cash back.

I also spent at the pub inside a hotel in Kota Kinabalu. However, I charged the bill under my total hotel bill. My lodging bill was entitled to 1% rebate.
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post Oct 19 2010, 05:43 AM

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QUOTE(Gen-X @ Oct 18 2010, 10:36 PM)
Last month I got charged RM50 tax on my Citibank Clear Card, so I called Citibank and asked if I can cancel the card and the RM50 waived. I was informed that I can cancel the card and it will take about 3 months for the government to reimburse the RM50 and I need not worry about the outstanding amount. So I told the CS to cancel my card.
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If I were you, I would take the CS officer's remarks with a pinch of salt. Do update us 3 months later.
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post Oct 19 2010, 04:01 PM

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QUOTE(zenquix @ Oct 19 2010, 01:38 PM)
Was looking at my OCBC statement, and just realized I got charged interest. Although the bulk of the interest was reversed off due to the 0% interest promotion, there is a portion of interest that was not. A call to the CS gives me the answer: "This is the interest on the GST, which is not covered by the 0% promotion".

I asked them to waive as I made more than the minimum payment to even cover the GST in full.

Anyone have the same problem?
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The RM50 service tax was shown in my first month statement. I made minimum payment as per first month statement. In my second month stattement, OCBC did not charge me interest.


QUOTE(MilesAndMore @ Oct 19 2010, 02:17 PM)
laugh.gif  That is because there is no specific law requiring them to publish the net fare in their advertisement. And they learn that from Ryanair. Well, it's actually even worse with Ryanair. They could tell you your flight is going to Frankfurt but when you arrive there, you'll realize you are arriving at Frankfurt-Hahn airport instead of Frankfurt-Rhein Main. Frankfurt-Hahn airport is like 2 hours away from Frankfurt  ohmy.gif  doh.gif
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You get what you pay. There is no free lunch in this world.


QUOTE(WhiteWing @ Oct 19 2010, 03:13 PM)
SCB called me up and asking me do I have 60k per annum laugh.gif , I told them yes but I feel bad because I telling lie to them .. I think they can check that I got such income or not laugh.gif ~ bloody salesgirl ... tick titanum card for me .. I said tick classic card enough laugh.gif
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SCB had long stopped issuing Titanium cards already.
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post Oct 22 2010, 09:16 PM

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QUOTE(Robin Liew @ Oct 22 2010, 09:05 PM)
ocbc a bit stingy on the credit limit...

somemore said it here.... and its true

i only got a mere 14K cl for ocbc, whereas my cimb upgraded to platinum with rm70K cl
is it possible to ask ocbc increase the cl by faxing income docs? if salary say rm10k, how much cl can get?
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Frankly speaking, CIMB is famous for granting high CL so that your CL in CIMB is actually an artificial figure and it does not reflect your income capability. If your gross salary is RM10,000 per month, your CL should be around RM30,000.
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post Oct 22 2010, 09:33 PM

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QUOTE(MilesAndMore @ Oct 22 2010, 09:20 PM)
I don't quite get why people want a higher credit line for their OCBC Titanium MasterCard. The total rebate one can get is capped at RM50/month starting from next year. Why do you guys need such high limit then ? RM10,000 is more than suffice.
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I guess some forummers want to take advantage of the 0% retail interest till end of this year and 0% BT interest till March next year. For the 0% BT interest promotion, OCBC only accepts a BT amount of not more than 60% of your available CL.

This post has been edited by winner: Oct 22 2010, 09:35 PM
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post Oct 27 2010, 11:08 AM

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QUOTE(ronnie @ Oct 17 2010, 10:23 AM)
Just received my OCBC statement

Merchants entitled for 5% Cash Rebate (additional to previous list)
- Maxis payment via E-Billing website
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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.


QUOTE(ck3lam @ Oct 24 2010, 06:38 PM)
Btw, I just receive letter from SCB saying they will going to have 5% cashback  for any purchase for the coming November but maximum capped at RM50.
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QUOTE(ck3lam @ Oct 26 2010, 08:39 PM)
Mm...any other SCB cardholder receive this 5% cashback on everything letter?

For the month of Nov, you can enjoy existing discount at some dining area + additional 5% rebate. Take Kenny Rogers for example, you get 15% + 5%, which is actually 19.25% discount.

Anything on OCBC Ti 1% purchase can transfer to SCB next month.
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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!

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