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 Credit Card v13

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chemistry
post Jan 3 2011, 01:01 AM

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QUOTE(hye @ Jan 3 2011, 12:51 AM)
Don't push the idea. If anything goes wrong and does not go his way, he may blame us. We are talking about decisions that involves money.
The guy need to decide for himself.
*
OK i got it.
I shall change the sentence to sound more like an advice rather than an instruction.
chemistry
post Jan 3 2011, 01:56 AM

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QUOTE(MaxWealth @ Jan 3 2011, 01:07 AM)
Just want to know, anyone using DA master here? Is the 2% rebates on petrol still on? No info from the net..
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Seem like discontinued. But who knows, it might be still valid.
Gotta ask CS then.
chemistry
post Jan 3 2011, 12:40 PM

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QUOTE(erry- @ Jan 3 2011, 06:18 AM)
if for 30 months, yes i agree with u, coz its 5%.
but for 10 months (2%) and 20 months (4%), err... not so great tongue.gif
coz ambank and alliance doing free (no charge at all) for 12 months (promo till 31/3 & 28/2).
while pbb also doing free for 6 months (promo till 28/2).
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oops, i actually wanted to mention Smart Flexi Pay. My bad.
chemistry
post Jan 3 2011, 12:45 PM

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QUOTE(ronnie @ Jan 3 2011, 11:23 AM)
Tesco - RM50 per month per card
Giant - RM50 per month per card
Guardian - RM50 per month per card
:
:
Principal gets RM50, supplementary gets RM50 per month (not shared basis)
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The maximum cash rebate you can get from CIMB Card is RM50 per month, as mentioned by a CS.
It's not RM50 from each participating brand in fact.

» Click to show Spoiler - click again to hide... «
chemistry
post Jan 3 2011, 01:50 PM

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QUOTE(ronnie @ Jan 3 2011, 01:44 PM)
Then it's wrong to say "2. Rebates are subject to a maximum of RM50 per participating group brand per card per month." "
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I did dispute with the CS previously.
He insisted on max RM50 per card.
He neglected "per participating group brand" on purpose.
chemistry
post Jan 3 2011, 05:05 PM

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QUOTE(PPZ @ Jan 3 2011, 05:00 PM)
my one is Sdn Bhd but she didnt ask me that. she ask me is it multinational company and i said yes.
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Maybe only card agent will need to ask that question.
I applied directly thru email. No questions at all.
I work in a small retail shop, FYI.

Added on January 3, 2011, 5:07 pm
QUOTE(MilesAndMore @ Jan 3 2011, 04:38 PM)
Can sue them if they do not honor what is written black and white.
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Can I bring this matter to the attention of Kementerian Hal Ehwal Pengguna?

This post has been edited by chemistry: Jan 3 2011, 05:07 PM
chemistry
post Jan 3 2011, 05:34 PM

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QUOTE(jensen_tidus @ Jan 3 2011, 05:29 PM)
So far I only use it when I visit sushi king for the 10% rebate and San Francisco coffee... As well as GSC ticket purchase over the fast lane since I'm cutting my EON GSC card~

I got the card when I applied my personal loan..
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Do u patronize SushiKing & San Fran Coffee purposely because you have discount privilege? Or are u their existing frequent customer before getting UOB card?

Anyway, if the card gives you the most reward based on your spending behaviour, then the card is a good card to you.
chemistry
post Jan 3 2011, 06:02 PM

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QUOTE(jensen_tidus @ Jan 3 2011, 05:46 PM)
For San Fran coffee, yes..
Changed after knowing their coffee is not as sweet as starbucks!!
Which is 10% smartcash rebate including the 6% gov tax~

I visit sushi king quite often. with my sushi king member card, and uob's rebate, I can get near to 20% discount (10% on the spot and 10% for Uob smartcash) provided I spend more then rm50 there ~~

And other will goes to my ocbc titanium.

Uob one card series isn't really the best around, just that I happen to visit the supported merchant frequently. ( in my case: sushi king and GSC )
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You dine at Sushi King quite often huh. What's ur favourite dish? wink.gif
And what coffee do u recommend at San Fran? Maybe will give it a try if I pass by.

Added on January 3, 2011, 6:04 pm
QUOTE(ronnie @ Jan 3 2011, 06:00 PM)
FYI...when you apply UOB at 1U, you can win a Canon Digital Camera.
They are absorbing the RM50 GST for the very first time.
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It is a 'can win', not 'sure win' ? Hehe..
Btw UOB Smart Privileges does not fit to my lifestyle.

This post has been edited by chemistry: Jan 3 2011, 06:04 PM
chemistry
post Jan 3 2011, 07:34 PM

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QUOTE(kei18kun @ Jan 3 2011, 07:21 PM)
citibank rite? since i applied through email also. do update us abt the case
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it's not citibank. I was talking about OCBC titanium. The card is already in my wallet.
chemistry
post Jan 4 2011, 01:02 PM

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QUOTE(kurtkantoi @ Jan 4 2011, 10:03 AM)
I have 2 cc right now. One for shopping & another one for petrol. Now Im scouting for 3rd credit card that offer high CL that have 0% installment easy payment scheme. any suggestion?
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AmBank card.
Up to 36 months installment for purchase at participating hypermarkets.

QUOTE(ronnie @ Jan 4 2011, 10:58 AM)
SCB gave very high CL (double DA's CL) even i'm new to them.
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We share the same situation.

QUOTE(MilesAndMore @ Jan 4 2011, 11:21 AM)
Too bad there is no more discount at Starbucks since a few days ago. Only HSBC still gives 10% discount at Starbucks.
Or HSBC ATM card. The best would be one having the Standard Chartered Priority Banking ATM card though. This card gives fee-free cash withdrawals at all ATMs overseas as long as the ATM is on the PLUS network.
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Do you like San Francisco Coffee? Public Bank debit/credit cardmember get 25% off on beverages, valid till 31/3/2011, 4pm to 9pm daily. (Swt, drink coffee also need to look at the time)

ATM cardholder of OCBC Malaysia may withdraw at OCBC Singapore ATM with a fee of RM2. Yeah, there is a fee, but I'm just sharing information on cross border cash withdrawal.

QUOTE(TeraPox @ Jan 4 2011, 11:35 AM)
I said... I'm glad to inform u as well... I decided to cut ur card... smile.gif
yeah.. i really need this... I drink around 10 cups of starbucks per week!
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So how did the CS respond to you?

QUOTE(MilesAndMore @ Jan 4 2011, 11:57 AM)
I think someone canceled his Citibank credit card a while ago because Citibank wasn't willing to waive his credit card annual fee unless he enroll in Citibank Autopay with 3 different bills but the problem was, he didn't have so many bills to sign up for Citibank Autopay and Citibank wasn't really helpful either. So he ended up canceling his card.
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That sounds like me! tongue.gif
Not 3 bills but only 1 bill needed. Too bad I didn't have a single one bill to register AUTOPAY at that moment.
chemistry
post Jan 4 2011, 01:07 PM

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QUOTE(jensen_tidus @ Jan 4 2011, 12:49 PM)
oh yea, thats true... i do have some bank which doesn't shows the interest rate that we are entitled to on that point of time...
never the less, if there is any finance charges charged on the statement which are not supposed to be there, even it's rm0.15 for my case, better ring the bank up for clarification...  flex.gif  having a "no payment" record spoils CCRIS~

i know my parents don't look at their statement breakdown at all, they only look at the outstanding, giving me the money and i do the GIRO for them ~
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I manage all the cards of my parents smile.gif
I checked all the statements thoroughly.
chemistry
post Jan 4 2011, 01:13 PM

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QUOTE(TeraPox @ Jan 4 2011, 01:05 PM)
I can't really remember... it was years ago...but i cut the card anyway...  smile.gif
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The time I told Citibank CS that I couldn't produce any bill for AUTOPAY purpose, I knew annual fee waiver was no hope already so I asked her to cancel my card. She didn't even persuade or what, straight away cancel my card already sweat.gif

Added on January 4, 2011, 1:17 pm
QUOTE(hye @ Jan 4 2011, 01:13 PM)
I totally agree on this point. Freebies are 2 way ... you gotta give some and get something back.
Even if you go supermarket, the food samples are incredibly small. You can't fill yourself up unless you go like 10-20 times. (or more) Not to mention where to put your face.  sweat.gif
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There was a time I was in Klang Parade, doing my groceries shopping. Met a girl promoting Malta (non-alcoholic), what a coincidence I am a Malta lover. She begged me to help her finish some Malta biggrin.gif I said I was a bit full but I will try my best. End up finished 5 cans only. She appreciated my help anyway.

This post has been edited by chemistry: Jan 4 2011, 01:17 PM
chemistry
post Jan 4 2011, 02:00 PM

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Hi everyone,

I am not sure which topic should I put this information. If moderator thinks this is not the right place, kindly move it to appropriate place. Thanks.

I just want to share the ATM Operating Hours of a few banks. After the compilation then only I realize MAYBANK and PUBLIC BANK do not provide ATM services after 12am.

Attached Image
chemistry
post Jan 4 2011, 02:07 PM

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QUOTE(kurtkantoi @ Jan 4 2011, 02:04 PM)
Tried before. They gave CL around 1.2xsalary only.
How to prevent rm50 gst? mind to elaborate more..
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1.2X salary is indeed at the lower side.
Best way to prevent GST is cancel the card.

Added on January 4, 2011, 2:08 pm
QUOTE(MilesAndMore @ Jan 4 2011, 02:05 PM)
AMBank ATM operates only 22 hours a day (offline between 0000 - 0200). Alliance Bank ATM claims their ATM go offline around 11.45pm everyday but usually it is already gone offline around 11.30pm. RHB Bank and Hong Leong Bank ATM are not totally 24 hours either. I once tried to withdraw cash from both banks around 1am and none of their ATM worked.
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So, the information found at their websites is not reliable and not true at all mad.gif

This post has been edited by chemistry: Jan 4 2011, 02:08 PM
chemistry
post Jan 4 2011, 02:22 PM

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QUOTE(erry- @ Jan 4 2011, 02:15 PM)
well, maybank give me cl equal to my salary and pbb give lower but i dont mind biggrin.gif
just use mbb to pay autopay (direct debit) and pbb at esso/mobil so no need for high cl laugh.gif
want to shopping, use another plat card cool2.gif
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High CL is important to me, because my colleagues always need me to purchase air tickets. They don't mind paying cc convenience fee. I am more than happy to earn rebate/points depending on which card I use.
chemistry
post Jan 4 2011, 02:33 PM

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QUOTE(erry- @ Jan 4 2011, 02:26 PM)
wah same here. my colleagues also always need me to buy airline tickets. they pay the convenience fee, i get the rebates thumbup.gif

yes high cl is important. but only mbb & pbb that give me low cl. but still, 5-figure cl. can consider it as 'low'? laugh.gif
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5 figure CL is very sufficient already biggrin.gif
Unless all my colleagues want to fly to Abu Dhabi in emirates Business Class tongue.gif
chemistry
post Jan 4 2011, 03:04 PM

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QUOTE(erry- @ Jan 4 2011, 02:53 PM)
cimb-petronas plat req is rm80k/year.

but da/cimb plat dont have so many privileges like plat from other bank, not even free entrance to klia/lcct lounge! sweat.gif
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DA Visa Platinum get free GSC ticket, valid till 30-6-2011.
Saw in CIMB branches, but cant find it in website.
chemistry
post Jan 4 2011, 03:17 PM

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QUOTE(erry- @ Jan 4 2011, 03:08 PM)
too bad coz mine is MC sweat.gif
*
you can go for Citibank Clear Card.
buy 1 drink free 1 drink at Coffee Bean.
buy 1 free 1 ticket at GSC (friday only).
chemistry
post Jan 4 2011, 08:02 PM

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QUOTE(erry- @ Jan 4 2011, 07:31 PM)
as i said previously, this card rewards is points, but only in block of rm50.
so swipe less than rm50 wont get any point. swipe rm99.90 only get 50 points.
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Are you sure?

I saw this just now :
Attached Image
chemistry
post Jan 4 2011, 08:33 PM

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QUOTE(TeraPox @ Jan 4 2011, 08:23 PM)
sometimes i feel that citibank gives more benefit for Clear Card more than higher end cards like Plat and Signature...  mad.gif

should change their promotion manager...
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that buy1free1 promo at GSC already can match Direct Access Visa Platinum privileges tongue.gif
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