still need to go to cdm to put the money? whats the diff?

Add one more HL essential (unlimited 1% cashback) 
SCB launching "Spend RM4k and win a guaranteed gift and stand a chance to win iPad". iPad is abit difficult lar, but the guaranteed gift (Philips digital photo frame) is not bad.

mine 2 years, i think most likely its bcos of we sit on or wallet and it breaks

my latest da, 6 months chip error. thats y i ask for free replacement.

but the system need to charge 1st then refund later

my hsbc, very2 in bad condition. still can use

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Added on December 18, 2010, 10:54 pm
Correct me if I am wrong. for MBB Petronas card, you will get 5X points. This means that RM2000 = 10000 pts = RM50.

It is better than CIMB Petronas, no?

what makes you say so ?

nops. my cc have their 'own' wallet.

my hsbc card - broken (not important), plastic swipe teared, 'dirty' black spot chip, but still can use!

[attachmentid=1946719] [attachmentid=1946720]

going out to hsbc now! cdm cdm! my hsbc due date is today! got another 30mins only! haha

statement balance rm10,981.01

so bringing rm11k cash with me. dont rompak!

need to do cdm more than 7 times coz hsbc kajang cdm only accept rm1500 at 1 time

luckily hsbc and my house only 3mins drive

lol, mine is worse, everything wan to break already, i just use cellophone tape on it. lucky its atm card so nobody can see the poor condition

I checked their website, it seems that I can redeem RM50 voucher using 10000 pts or less depending on the outlets that I am interested to.

Hmm for CC replacement due to faulty chip, how can we talk to them and convince them the chip is faulty? As mine sometime works sometime don't...
My card is Amex Gold CC... 75% of the chip is rusted with dark brown color now...

just try different tactic, card loss? call few times asking different cs

This has been advertised in the TV. Citibank is proud of offering such service.

but what i hare about pb cards is their CL
always lowest aong the banks

my PB gold is 1/3 Cl compared to my other cards

or you can also pledge FD to get equivalent CL.

Talking about big swipe, I had done enough survey before swiping a huge amount for partial downpayment of my recent property purchase. I needed to pay RM80,000 within 2 weeks and the developer accepted MC or Visa, but not Amex. During that time I only had Amex Gold cc, OCBC Titanium and SCB JustOne Titanium. I wanted a card which could give maximum rebate for the big swipe. I shortlised HLB Visa Essential, PBB Platinum and SCB WMC. HLB Visa Essential does not give cash back to offset the service tax for new card, while PBB Platinum's cash back and points are based on complicated tier system and PBB could not guarantee to deliver the card within 2 weeks. In the end, I applied for SCB WMC and received the card 14 days later. SCB gave me 30,000 points as a welcome gift. Soon after I received my SCB WMC, I paid the partial downpayment using SCB JustOne Titanium (RM10,000 for 5% cash back) and SCB WMC (RM70,000 for 2x points or 1% cash back). For those who are familiar witn SCB JustOne Titanium should know that this card gives 5% cash back for all types of purchases made on Fridays and the maximum cash back per year is capped at RM600 per month. The reason I swiped only RM10,000 on SCB JustOne Titanium was that I had already spent more than RM5,000 and SCB JustOne Titanium needs an annual spending of RM15,000 for AF waiver.

After the huge transaction was made, I immediately applied for DA VI which was given 1-hour instant approval in Pavilion. Thereafter I submitted the application for the 0% interest BT programme for 6 months from SCB to DA. By doing this, I could delay the payment but at the same time, the money that I had reserved for the payment to the developer could also keep growing in my deposit account.

Many cards are better than HSBC Amanah nowadays.
MBB Petronas, CIMB Petronas, PBB Esso cc, Amex Gold cc, HLB Essential, OCBC Titanium..etc for example. Any one of the abovementioned is far better than Amanah.

No. You can't.

That's possible.
Even though before the grace period is implemented, the bank reserves the right to waive/reverse late payment charge & resulting finance charge. a few years ago I once forgot to repay my DA , already late 2 weeks but I tried to appeal, and the bank was willing to do reversal.

At that time, my card was not enough 1 year old.
We just cannot guess what's in their mind, haha.

even my mbb visa (not petronas), they offered 10k tp for me to offset the gst, still, i need to pay that rm50 1st and later they credit me 10k tp. now dunno what to redeem

i know. but better redeem things which worth more than rm50.
planning to redeem 1 month before next year expiry month then cancel the card 

next year i dont care. they offer me 10k tp or whatsoever, i will definately terminate it! 

no different, i'm not earning that rm50, coz i need to pay gst, which is rm50 too.

so better use another card that give cashback so i can earn more

new card, yes cashback.
anniversary, u calculate how much u earn the rebate in previous year and take it to cover the gst.
like winner, already get rm600 for his scb justone. paying tax rm50 still earned rm550

i'm not high spender so not care much about CL.
my current DA plat is double than this mbb. enough already