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 Credit Card v13

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SUSDavid83
post Dec 22 2010, 12:42 PM

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I thought at Petronas, it should be CC first and then Mesra card.

I always do that.
yhtan
post Dec 22 2010, 12:48 PM

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QUOTE(Chuckiekey @ Dec 22 2010, 12:11 PM)
my basic pay is around 1.6k and commission maybe few hundred, I jz want to know which bank I shud go for. I wanted to go for HSBC, dunno whether it is posible.
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u can apply for HSBC classic card, minimum requirement only RM18k per annum

I normally insert CC then only smile card, follow the instruction and u will never go wrong
chemistry
post Dec 22 2010, 12:50 PM

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QUOTE(persistence85 @ Dec 22 2010, 12:39 PM)
CC first, mesra card second, cannot..
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QUOTE(David83 @ Dec 22 2010, 12:42 PM)
I thought at Petronas, it should be CC first and then Mesra card.
I always do that.
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LOL. How contradictory!


Added on December 22, 2010, 12:54 pm
QUOTE(yhtan @ Dec 22 2010, 12:48 PM)
u can apply for HSBC classic card, minimum requirement only RM18k per annum
I normally insert CC then only smile card, follow the instruction and u will never go wrong
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Why not HLB Essential? confirm 1% cashback, 12 swipes get annual fee waiver. Just the GST can't waive la.

QUOTE
follow the instruction and u will never go wrong

Second that biggrin.gif

This post has been edited by chemistry: Dec 22 2010, 12:54 PM
roy918
post Dec 22 2010, 01:17 PM

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QUOTE(chemistry @ Dec 22 2010, 11:47 AM)
Too bad.
All my insurance policies are usually due on 1st or 2nd of July! doh.gif
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You can always do early payment?
Pay few days in advance enable you to convert to 10 months interest free installment. tongue.gif
ronnie
post Dec 22 2010, 01:30 PM

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Petronas need to put in the CC first, select language, followed by the Mesra card.
Exactly what's shown on the screen at the pump.
chemistry
post Dec 22 2010, 01:31 PM

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QUOTE(roy918 @ Dec 22 2010, 01:17 PM)
You can always do early payment?
Pay few days in advance enable you to convert to 10 months interest free installment.  tongue.gif
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My place don't have Great eastern office. Agents cannot process payment but act as middleman only.
I use autopay only.
de.crystal
post Dec 22 2010, 01:33 PM

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QUOTE(roy918 @ Dec 22 2010, 01:17 PM)
You can always do early payment?
Pay few days in advance enable you to convert to 10 months interest free installment.  tongue.gif
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i think that cannot be done
as monies will only be credited once it is due for payment
TSMilesAndMore
post Dec 22 2010, 01:41 PM

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QUOTE(persistence85 @ Dec 22 2010, 09:15 AM)
what is the max amount we can claim if our luggage is lost? Say, my trip Kuching to KL.
The problem is now we do not even know if that incident took place in Malaysia, are we still covered ?


QUOTE(persistence85 @ Dec 22 2010, 10:21 AM)
i thought if ur CL is Rm3k, then u want swipe Rm3.1k, even RM100 more your transaction will be rejected?? or in what case, the transaction will over limit? call CS to for the over limit transaction?
No. The transaction can still go through. I tried this a few times before with CIMB Gold MasterCard and Maybankard Gold AMEX 2 years ago.


QUOTE(chemistry @ Dec 22 2010, 12:02 PM)
I think he meant "Even though the bank let you through, there is an over-limit fee awaiting you".
A permanent CL increase is the best solution.
CIMB Bank and Maybank will not charge you over-limit fee if you do it as such. I mean deposit some money into your credit card account first before swiping it to make sure you have enough limit.

By the way, last time CIMB Bank rejected my transaction when i did not have sufficient credit line. Tried it twice and just about 2 minutes later, a CIMB Bank officer called my mom telling her she had only RMxxxx of credit line left in the card. So i guess certain banks will just not let the payment to go through if you have insufficient credit line which is better in my opinion. I do not want to be shocked with RMxx for over-limit fee sweat.gif


QUOTE(alexwsk @ Dec 22 2010, 12:02 PM)
no, the transaction will not go thru
Yes. The transaction will still go through. Tried it with Maybankard Gold AMEX and CIMB Bank Gold MasterCard.


QUOTE(alexwsk @ Dec 22 2010, 12:02 PM)
but the bank will charge you let say RM50 for trying to swipe beyond ur CL
No. At least i know Maybank and CIMB Bank won't.


QUOTE(alexwsk @ Dec 22 2010, 12:02 PM)
if the bank let the transaction go thru, you might also need to pay the above fee
No. Not with Maybank and CIMB Bank.


QUOTE(Chuckiekey @ Dec 22 2010, 12:11 PM)
my basic pay is around 1.6k and commission maybe few hundred, I jz want to know which bank I shud go for. I wanted to go for HSBC, dunno whether it is posible.
You do meet HSBC's requirement for a Classic Card but the chance may be slim as you had no other credit card. HSBC is known to be very reluctant to approve the first card to people that are still new to credit card. May be you can try CIMB Bank ? They do have many offers going on thumbup.gif



SUSpersistence85
post Dec 22 2010, 01:44 PM

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QUOTE(David83 @ Dec 22 2010, 12:42 PM)
I thought at Petronas, it should be CC first and then Mesra card.

I always do that.
*
for my petronas here, mesra first, then CC

even if i go to counter, also mesra first, then CC
ronnie
post Dec 22 2010, 01:46 PM

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QUOTE(persistence85 @ Dec 22 2010, 01:44 PM)
for my petronas here, mesra first, then CC

even if i go to counter, also mesra first, then CC
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Special pump machines.. which Petronas ?
If you insert the Mesra card first, that means it will use the Mesra points to pay for the petrol, right ?
SUSpersistence85
post Dec 22 2010, 01:47 PM

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QUOTE(MilesAndMore @ Dec 22 2010, 01:41 PM)
The problem is now we do not even know if that incident took place in Malaysia, are we still covered ?
No. The transaction can still go through. I tried this a few times before with CIMB Gold MasterCard and Maybankard Gold AMEX 2 years ago.
CIMB Bank and Maybank will not charge you over-limit fee if you do it as such. I mean deposit some money into your credit card account first before swiping it to make sure you have enough limit.
Apply for all Maybank credit cards? woah, such a good maybank, wan apply, coz sometime over limit i also dunno, then it's good that this bank allow the transaction goes through~


Added on December 22, 2010, 1:48 pm
QUOTE(ronnie @ Dec 22 2010, 01:46 PM)
Special pump machines.. which Petronas ?
If you insert the Mesra card first, that means it will use the Mesra points to pay for the petrol, right ?
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Sorry, i mean at the counter..

if pump, mesra first, then cc...

sorry, i confused sad.gif


This post has been edited by persistence85: Dec 22 2010, 01:48 PM
TSMilesAndMore
post Dec 22 2010, 01:54 PM

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QUOTE(persistence85 @ Dec 22 2010, 01:47 PM)
Apply for all Maybank credit cards? woah, such a good maybank, wan apply, coz sometime over limit i also dunno, then it's good that this bank allow the transaction goes through~
I guess so.

SUSpersistence85
post Dec 22 2010, 01:56 PM

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QUOTE(MilesAndMore @ Dec 22 2010, 01:54 PM)
I guess so.
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Alright, will go and apply for next year rclxms.gif

chemistry
post Dec 22 2010, 01:59 PM

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QUOTE(persistence85 @ Dec 22 2010, 01:56 PM)
Alright, will go and apply for next year  rclxms.gif
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Amex Gold CC is the best Maybank cc i think.
TSMilesAndMore
post Dec 22 2010, 02:05 PM

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QUOTE(chemistry @ Dec 22 2010, 01:59 PM)
Amex Gold CC is the best Maybank cc  i think.
By the way, two years ago i was using the Maybankard Gold AMEX. The one with the ugly Maybankard logo on the front and blue color AMEX logo on the bottom right.

bingozero
post Dec 22 2010, 02:11 PM

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QUOTE(persistence85 @ Dec 22 2010, 11:15 AM)
Thanks for pointing out.

I just noticed that, maybe some people hate me for "spamming", thus, creating a insane thread.

Just ignored trolls, and that name looks like a "guy" name, no idea why they link me to that guy's name for some unknown reason?

Anyone can create a dispute thread, anyone can say whatever they like - included you&me, but if thats the real name/action of mine, i will definitely defend back. If that's not my name, who cares? Let the kids troll, remember, its a "school-holiday-season" for them now. Let them enjoy.

Till here, i rest my case.  smile.gif
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I think you better report to mod according to someone pointed your nickname at lowyat. So that mod can carry up this case.
SUSpersistence85
post Dec 22 2010, 02:14 PM

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QUOTE(chemistry @ Dec 22 2010, 01:59 PM)
Amex Gold CC is the best Maybank cc  i think.
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Noted with thanks smile.gif

kei18kun
post Dec 22 2010, 02:16 PM

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QUOTE(chemistry @ Dec 22 2010, 12:13 PM)
Next time you try to put CC first, then only Mesra, see can work or not? smile.gif  If yes, that pump is intelligent  biggrin.gif
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it works for since everytime i put in mesra then cc
i only put mesra card in only when i want to claim it as petrol
SUSpersistence85
post Dec 22 2010, 02:17 PM

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QUOTE(bingozero @ Dec 22 2010, 02:11 PM)
I think you better report to mod according to someone pointed your nickname at lowyat. So that mod can carry up this case.
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Why would i care so much why this case has nothing to do with me, agree? tongue.gif Btw, If they have an evidences, they would head to police report already? why troll at lowyat? answer is easy, because this is the virtual world for the trolls rclxms.gif

Faithfully, i wouldn't care so much about these things done by trolls because;

1. The name is not mine
2. The friendster / facebook profile is not mine
3. Everything is not mine

How do i report to a mod while everything has nothing to do with me? sweat.gif sweat.gif


Added on December 22, 2010, 2:18 pm
QUOTE(kei18kun @ Dec 22 2010, 02:16 PM)
it works for since everytime i put in mesra then cc
i only put mesra card in only when i want to claim it as petrol
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yeah, thats for petronas only, for Esso/mobil, its different..

This post has been edited by persistence85: Dec 22 2010, 02:18 PM
kei18kun
post Dec 22 2010, 02:22 PM

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kind of dangerous for mesra card to be so simple to use just by swiping the card at the machine. will not collect so many points just in case i drop it and didn't realise it

abt the insurance coverage for plane tickets, does it cover only me and my family members such as what? parents/siblings/kids? or just anyone i buy tickets for?

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