Maybe just the policy of the credit card department, some are 3 months.

hi ronnie,

Why the maximum rebate is at RM170? I thought the maximum rebate we can get is RM120 (before 2011)? or am I overlook about this matter?

Thanks

my wife now further study - full time. so no payslip

well i'm not 

my previous experience with rhb:

1. my card got stolen at 12pm. the card accidently dropped at rhb kajang branch. but i'm not noticed
2. 230pm the card had been swiped rm2.5k, 3pm another rm3k, 4pm another rm4.3k (all at kajang).
3. after 430pm swiped rm4.3k, the bank called me to verify (this time i'm at kuantan, pahang).
4. i denied, and just notice the card is not with me. cs officer ask me to make police report, and card immediately cancel/declined.
5. make police report.
6. next day come back to kajang and submit police report together with fraud form to rhb kajang branch.
.....
7. my statement arrived. rhb ask me to pay 1st that rm9800 (which is not me who swipe it) while they investigating it.
ok la i pay coz if not then will be interest. and since my police report is at kuantan, so confirm i'm not at kajang!
8. rhb give me replacement card but i never use it.
9. after 3 months, rhb send letter will return back rm9800, credited to my credit card statement.
10. i ask rhb to pay me via cheque but they refuse
11. so my statement is negative, and i MUST use the card
12. use the card till finish the balance (took me about 6 months), then terminate the card.

this happen last year 2009, that time still no gst yet.

3 months

and i'm not getting back the money as 'a money'

at 1st i dont want to pay but the record is there so system will take it as oustanding and charge the interest. no choice, need to pay

luckily coz i have alibi?

as stated, the card swiped all at kajang. but i'm at kuantan. my police report is at kuantan police station.

i did ask bank to check the cctv at merchant where the card swiped, but the bank officer told me, there is a high probability that, the thief - and the cashier - are 'friend'

my card had been swiped at 1x mobilephone shop & 2x car accessories shop.

i dont know how and the result of their investigation, what i know is afer almost 10 months, i get back all my money 

nowadays, even i use my DA to purchase online at 1am for only RM34.xx (after convert), they will immediately call me to verify.
maybe bcoz online transaction, and at midnight.

same goes to HSBC, i swipe rm9k 1 shot and they immediately call me to verify too.
but if swipe 2k, 3k, they never call

even DA, previously i swipe (err, slot, actually?) my card twice at esso pump, they immediately blocked the card.

usually bcoz of smiles card cant be read (esso, credit card 1st then smiles card. shell, bonuslink 1st then credit card).

so at esso credit card already authorized, but smiles card cant read, so i cancel it.
when i swipe (slot) the DA card for 2nd time, declined!
i immediately call the bank and they told the card had been blocked (afraid for unauthorized use for petrol).
i verify it and ask them to unblocked it.

this happen to me 2x in a same day! i pump once at morning and again at night.
solution: redeem points till finish and apply new smiles card

(my 'damage' smiles card cant be read at petrol pump but no problem if swipe at cashier inside )

this story happen b4 pbb offer esso/mobil 

This is one of the few informative post on CC by you  the rest mostly spamming  I got no problems you and erry spamming but would appreciate if you two can kindly cut it down so I no need to read so many pages in this thread after coming back here in few hours time   

If you just started work, my suggestion is apply for 2 cards from different banks in case one of them turn you.
well, for my case they happily closed my account when I requested without any questions and credited back RM50 GST which was charged.

Yup ... I concur this information. So any smart applying too many cards (e.g. during fairs), banks will see all the application pending when they do the CCRIS check. This can be a reason for rejecting the cc application as well.

yes, CCRIS will show all approved and pending credit facilities in your name. So if applied to 5 different banks, after more than a week go check out your CCRIS report and you can see which banks are processing your application. The last time I checked my CCRIS, my EON bank was still pending and gave me a shocked when the CL stated was RM15K, but actual approved CL much higher.

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Added on December 21, 2010, 10:01 pm

if u apply all at the same day, CCRIS might not captured the info yet

you are right and also depends on when the individual banks "sent in"/update info to BNM which is usually end of the month.

Normally when you apply 5 cards at one shots and so happen all 5 approved. If you somehow have a change of mind and decided that you do not want it, does it incurs any RM50 GST cost to you that you must pay?

The reason I am asking this is that I can see that my newly collected PBB Esso/Mobil card's GST is based on their approved date. Not my collection date. I am planning to apply OCBC Titanium. This card is much better compared to PBB Esso/Mobil. Regret that I didn't know abt this card earlier.

scb should put this at their website:

annual fee: free if call and ask to waived it 1 month before annivesary

I would like to ask if i have a credit limit of 3k can i swipe till 4k? Will there be any charges or penalty for the excess credit?

Ah, thanks. I did not notice that. Any idea if our luggage is lost for more than 6 hours on a domestic flight, are we still eligible to make the claim ? I know it is not possible with many other credit cards from other banks such as HSBC and Standard Chartered as they only cover it if it happens when you're abroad.

if you put in 1k to your cc account b4 u swipe, then yes
else the bank might just block your transaction or even worse, charge you over limit fees