I don't have the intention of changing the statement date. That's why I don't worry about that, and I don't need to ask CS about this

thanks for your input.
The due date of my OCBC and DA cards are the same, ie. 1st of each month. I already get used to it.
If want to change date, it is my SCB card that needs to change

IMHO cc due date should not be influenced by salary date. Unless the cardholder always use up the fund in salary account.

And then at the end of the month you fork out your own portion to pay cc lar?

Alliance timeless bonus pts is good. No need to worry about points expiry date.

Citibank reward pts is also evergreen. The drawback is that there is no B&W annual fee waiver condition.

SCB still has RM25 cash voucher to be redeemed using 5000 pts. Not bad.

I want to share something about CIMB cc points expiry. Pls read the following reply from DA Customer Exec.

Better news is that redemption can be made by combining Choice Points of several SCB cardmembers. No more worries of insufficient points

Hi ronnie, please take a look at screenshot below.
Please note that only SCB Platinum/Biz Plat cardmembers can combine/transfer among their Choice Points. However, I think SCB Plat is not too difficult to apply now

I am not sure. I have not done any Choice Point transferring

You may also consider getting an AmBank Carz credit card.[URL]
• 2% rebate, capped at RM20 rebate per card per month
• 12 months 0% easy payment plan for road tax and AmG insurance renewal
• Earn 1 CARz Point for every RM1 retail spending on CARz Credit Card
• CARz Points accumulated can be used to redeem auto-related goods and services
• Special package of AmDrive Care Personal Accident (PA) coverage
• Auto-related privileges vouchers worth more than RM300 upon card approval
• eStatement via email for monthly spending reconciliation

Fees & Charges
Annual fee :
• Principal Card : Free-for-Life (no conditions attached)
• Supplementary Card : first 3 supplementary cards are Free-for-Life

Requirement
Minimum age
• Principal applicant must be at least 21 years of age
• Supplementary applicant must be at least 18 years of age

Minimum annual income
• Platinum MasterCard = RM90,000
• Gold VISA = RM24,000

Other ongoing promotions include:
Buy 1 free 1 ticket at Cathay Cineplexes [URL]
0% flexi payment up to 36 months [URL]

AmBank never impressed me, neither bad nor good. I think one of their advantage is ATM at 7-11, ha ha.

Now many banks are doing 0% BT, but AmBank still keep quiet. However, its 36months 0% flexi pay is indeed appealing to shoppers.

My friend paid his phone bill at Maxis Centre (IOI Mall), he didn't get 5% cashback but only 1%. Not sure about U-Mobile.

If you have kids and like to bring them out, you may like HLB essential because of its "Kids Eat For Free" promotion.

Citibank Air Asia
SCB Business Gold

will HSBC charge any fee for early settlement of instalment plan? How is the calculation of the fee?
you gotta understand the fee.

Coming Feb 2011 your HSBC card will be charged RM50 for GST. If you feel like cancelling the card, and you think the early settlement fee is acceptable, then go ahead, BT to PBB card.

You need to:
1. Ask HSBC Customer Service about instalment plan early settlement.
2. Ask PBB whether 0% BT is also applicable to PBB Esso/Mobil credit card.

This is a creative form of LOVE
If you love her, let her spend

After swiped an LV and a Cartier, time to run
However, I supp to my beloved mother and sister. This way can half the GST charges.

Guaranteed gift after spent 4k is a Philips 7" Digital Photo Frame.
The iPad is the big prize which everybody stands a chance to win. It all depends on luck because SCB selects winner by 1000th sms, 2000th sms, 3000th sms, until 100,000th sms...

I wonder is there really that many qualifying spenders

The female CS are so gentle and polite
And their Mandarin is accurate too

the 2 years annual fee waiver is written in their cards application form. Don't worry, it's true.
Subsequent years waiver is however not guaranteed.

My autopay is using OCBC Ti Mastercard to pay a residential phone line and a business phone line. The home line got RM4 rebate from TM, but shop line got only RM2.

I must at least retain a free-for-life Platinum card for sake.
DA MC is my choice.