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 Credit Card v13

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chemistry
post Dec 30 2010, 09:34 PM

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QUOTE(TeraPox @ Dec 30 2010, 08:17 PM)
all of my cards are free.. dude... biggrin.gif
u can refuse to pay the bank... but u can never refuse to pay mr Najib... ohmy.gif
that's why I've reduce my card from 14 cards to 6 cards now, and 3 more to go... now 3 left~ biggrin.gif
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from 14 to 3, that must be a tough decision ! laugh.gif
chemistry
post Dec 30 2010, 09:58 PM

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QUOTE(winner @ Dec 30 2010, 09:42 PM)
How come? My house phone line (Telekom) with autodebit with OCBC Titanium MC only gives a monthly rebate of RM2.
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I have no idea. rclxub.gif
Maybe my phone line got huge deposit?

Added on December 30, 2010, 10:02 pm
QUOTE(bingozero @ Dec 30 2010, 09:54 PM)
My streamyx bill is stick together with TM bill, I think it is what you mention about  nod.gif
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If that RM4 rebate comprise of RM2 (phone line) and another RM2 (internet line), then i think I've got rebate from two service providers ie. TM and Axiata.

My house streamyx is not under TM but Celcom Combo package. I already got 5% autopay from Celcom, yet another RM2 from TM? Wow that's generous.

This post has been edited by chemistry: Dec 30 2010, 10:02 PM
chemistry
post Dec 31 2010, 01:41 AM

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QUOTE(TeraPox @ Dec 31 2010, 01:36 AM)
I tok the RM50 najib tax is unwaivable? u still need to pay them in some form... either in cash or in point... or in something else...
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It should not be called a waiver but ANNUAL USAGE BONUS, as mentioned by OCBC.
Cardmembers who spend more than 10k in a year will get RM50 credited into cc account for GST offset purpose.
chemistry
post Dec 31 2010, 01:45 AM

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QUOTE(TeraPox @ Dec 31 2010, 01:42 AM)
and i still get my 10k points?
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OCBC Titanium MC don't earn points but cashback.
You earned your full year cashback, plus an additional RM50 angpao from OCBC if you spent >10k.
chemistry
post Dec 31 2010, 04:01 PM

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QUOTE(erry- @ Dec 31 2010, 03:57 PM)
i'm using DA since southern bank years ago. always 2%. never increased  sweat.gif

thats ur current/recent transaction. no need to pay till next statement  notworthy.gif
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DA tightened its weekend rebate frm Sat&Sun to Sunday only. Petrol rebate has not yet been extended. I'm worried. I feel like not worthy to keep it. Angry!
chemistry
post Dec 31 2010, 04:22 PM

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QUOTE(de.crystal @ Dec 31 2010, 04:15 PM)
u stil can utilise the hospital , education bills and insurance 0% benefit
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In near future I don't have any appointment with hospitals. And my insurance policies are only due in July, just over the expiry date, OMG.
chemistry
post Jan 1 2011, 08:43 AM

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QUOTE(erry- @ Jan 1 2011, 04:34 AM)
full tank all the car b4 midnight with DA, total rm240.
feel like the fuel price will increased by midnight! hahaha laugh.gif

still,  get back rm4.80 biggrin.gif

Added on January 1, 2011, 4:36 amoh, besides flexi-pay plan, i-pay plan also extend to 30/6, same rate as before. maybe i wont use it.

so, its time to bye bye to DA? after 8 years? sad.gif
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Mr. Gen X said CIMB in the SMS said will enhance their offers & card benefits? smile.gif
Let's just hope CIMB cards won't sucks sweat.gif
chemistry
post Jan 1 2011, 04:23 PM

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QUOTE(kei18kun @ Jan 1 2011, 04:09 PM)
this card
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Maximum total rebate you can get from CIMB/DA card is RM50 per month.
chemistry
post Jan 1 2011, 04:50 PM

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QUOTE(erry- @ Jan 1 2011, 04:38 PM)
previously, DA capped RM50 per month. starting today no more fuel rebates  sweat.gif
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what u gonna do without fuel rebate? Would u go for PBB Esso card?
chemistry
post Jan 1 2011, 07:36 PM

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QUOTE(TeraPox @ Jan 1 2011, 07:32 PM)
blink.gif
2% isn't really that much discount right?
say if ur petrol around 1k/month, u only get like 20 bucks...
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20bucks can buy me breakfast for one week leh.. wink.gif
chemistry
post Jan 1 2011, 11:22 PM

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QUOTE(bryan_x00 @ Jan 1 2011, 11:03 PM)
Where can I find info on which card offering 0% installment? As I know CIMB offer this but with one time up front charges. Is it still available? How about other cards? Thanks.
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Ambank cc is doing 0% installment up to 36 months.
chemistry
post Jan 2 2011, 12:55 AM

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QUOTE(Gen-X @ Jan 2 2011, 12:53 AM)
I just checked out OCBC website and they waive GST for all type of cards as long as principal and supp cards spend RM10K and RM5K per year respectively.
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It should be "Annual Usage Bonus" smile.gif
chemistry
post Jan 2 2011, 02:22 PM

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QUOTE(kelvinlee1983 @ Jan 2 2011, 12:26 PM)
Next month, i propose to pay the insurance in one year in a time.
The insurance agent told me, I can save 4.35%
3 insurance amount total up will be estimated RM10k

Please advise which solutions for me are the best?

1) Pay the 10k insurance with CIMB credit card.

a) Then, use EPP, for 10 months 2 % handling fees on 10K , addition charges will be RM200.
Off set with 4.35%, i still earn 2.25%

b) Use EPP, for 20 months, 4% handling fees on 10K, addition charges will be RM400
then, i still got earn 0.35%
However, i can extend my money to 20 months. use the extra cash to invest in other places for 8 months ( 20 months -12 months )

2) go to apply new credit card, my target is Maybank
as the balance transfer is 0.435% for 36 months
Yes you'll save some money for paying premium of certain kind of insurance policies. However, Investment link insurance can be paid monthly or quarterly or yearly, without incurring any additional charge.

CIMB got smart flexi pay program which enables you to stretch your payment to 10 months, with zero interest. Do your homework. Only if you intend to stretch to longer period, then do consider i.Pay plan, which got upfront fee.

If you want a new cc, go for AMBANK, because they are doing 12 months 0% interest installment. URL

QUOTE(jurne @ Jan 2 2011, 01:33 PM)
hi, jz a simple question. Which card is best for overseas transaction and with govt tax waived promotion?
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Standard Chartered Business Platinum - for triple choice points + 0.5% cashback
Maybankard (non-Amex) credit cards - lower admin charge on foreign trxn
chemistry
post Jan 2 2011, 06:40 PM

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QUOTE(husseinpot @ Jan 2 2011, 06:36 PM)
hye all,

which CC that offer installment plan other than cimb?
are there any ?
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how many banks do you want?
CIMB not your cup of tea is it?
chemistry
post Jan 2 2011, 07:21 PM

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QUOTE(PPZ @ Jan 2 2011, 06:52 PM)
i think i need to cancel my EON GSC cc in exchange with OCBC titanium. or should i just cancel my hsbc amanah cc and BT to Eon bank card right? i really in dilemma now.. i started to think EON GSC is really better than hsbc amanah anyway.. sad.gif
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Apply OCBC Titanium, transfer all your balance from EON & HSBC to this new card.
OCBC is doing 6-month 0% BT for new cardmembers, valid till 31/3/2011.
chemistry
post Jan 2 2011, 08:20 PM

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QUOTE(winner @ Jan 2 2011, 08:10 PM)
As mentioned by some forummers who have done BT to OCBC Titanium, OCBC's BT programme share the same account with cc. For BT programme sharing same account with cc, it is not advisable to use the cc again until you fully settle the BT outstanding balance. This is to avoid interest being charged to your cc.
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I see..
Thanks for pointing out.
Then go for CIMB BT instead. smile.gif

Added on January 2, 2011, 8:22 pm
QUOTE(PPZ @ Jan 2 2011, 08:18 PM)
the bad thing is, if you unable to pay for the amount you transferred from my both cards to OCBC Titanium, they will count it as normal interest charges every month!! that is the bad thing.
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The best combination for you is OCBC TITANIUM + CIMB/DA MASTERCARD.
OCBC for great rebates.
CIMB/DA for insurance/education/hospital installment AND BT. wink.gif

This post has been edited by chemistry: Jan 2 2011, 08:22 PM
chemistry
post Jan 2 2011, 09:33 PM

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QUOTE(MilesAndMore @ Jan 2 2011, 09:25 PM)
Anyone can confirm if this offer is still valid ? My agent suggested me to apply for the INGIAFAM-EON Bank Business MasterCard so i can get 2% off my insurance premium every year.
Yes
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Do you pay premium to ING?
Is PB-ING Mastercard useful to you?
chemistry
post Jan 2 2011, 10:12 PM

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QUOTE(gastacopz @ Jan 2 2011, 10:01 PM)
what are current promotion for OCBC TI CC???

anyone knows?
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Check this out.
chemistry
post Jan 2 2011, 11:04 PM

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QUOTE(MilesAndMore @ Jan 2 2011, 10:51 PM)
No. Not at all. In order to get the rebate from this PB-ING MasterCard, one must buy the ING insurance via Public Bank branches.
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wah! must read the fine print then!
those ING policyholders go to apply PB-ING card end up get nothing but pay GST!
chemistry
post Jan 3 2011, 12:12 AM

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QUOTE(kelvinlee1983 @ Jan 2 2011, 11:54 PM)
You mean that this Smart I pay Plan  will be 0 % for 10 months installment
It is worth that EPP 2% by 10 months installment!
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I personally think that CIMB i.Pay Plan is a great program.

This post has been edited by chemistry: Jan 3 2011, 01:02 AM
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