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 Credit Card v13

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chemistry
post Jan 5 2011, 01:24 AM

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QUOTE(ronnie @ Jan 5 2011, 12:56 AM)
SCB Internet Banking data not really up to date.... so char
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What's wrong with SCB online banking?
chemistry
post Jan 5 2011, 01:44 AM

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I cancelled my mum's DA supp card and turned to OCBC Ti.

I am not able to maximize rm50 cashback, so hopefully my mum could help on it.
chemistry
post Jan 5 2011, 01:49 AM

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QUOTE(jonuslee @ Jan 5 2011, 01:45 AM)
Guys, i want to ask that does any maybank visa petronas CC user pay GST once their card activated? But when i check my online account since i have maybank account, it shows the credit card number as xxxx-xxxx-xxxx-number and there is no statement balance of RM50.00 of the GST. But Under the account it say payment Due 03-01-2011 and statement date 14 december 2010. But when i want online pay the CC GST, it says the amount pay is more than the statement balance. Can i know what is going on?I collect my cc at Maybank branch. Can any maybank CC user share ur experience?Thanks
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If the statement balance is zero, why pay?

This post has been edited by chemistry: Jan 5 2011, 01:55 AM
chemistry
post Jan 5 2011, 02:06 AM

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QUOTE(erry- @ Jan 5 2011, 01:56 AM)
he afraid gst already being charged? sweat.gif

ur statement balance is zero, means the gst is not charged yet. no need to pay anything.
just wait statement of 14-jan, should have gst on it. then pay by 3-feb.

btw, i'm using mbb normal (not petronas). its expired on oct last year. but maybank send new card 1 month before.
my oct statement (28th), gst is being charged on 20-oct, then annual fee on 27-oct.
then 8-nov waived back the annual fee (they offered me another 3 years free).

(why not same date i also dont know) rclxub.gif
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perhaps that 3-year fee waiver was tailor-made for you as valued customer.

So, you will not need to call MBB for waiver until three years later. Glad to hear that.
chemistry
post Jan 5 2011, 02:19 AM

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QUOTE(erry- @ Jan 5 2011, 02:12 AM)
yes no need to call until card expired.

previously also free for 3 years. then offer another 3 years. plus 10k tp to cover the gst.

but plan to terminate it this year. not using it much ~
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MBB cards do not offer very attractive benefits and privileges though. The only thing I like is its TreatsPoint Redemption Fair, where cardmembers get to redeem items with lower points at SenQ.
chemistry
post Jan 5 2011, 09:52 AM

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QUOTE(ronnie @ Jan 5 2011, 08:40 AM)
CC Trasaction Details is refreshed every 24 hours.
I will see the SAME info if logon at 10am or 10pm.... that's like so offline  rolleyes.gif
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You are so observant wink.gif
Did you keep logging in to SCB Online to view trxn? O.o


Added on January 5, 2011, 9:57 am
QUOTE(hAnn @ Jan 5 2011, 09:52 AM)
i hav a question guys, how does a cc firm define 'groceries'?

do they determine by products or the merchandiser selling them?

scenario: i buy a water heater rm500 from tesco/giant/jusco, any 5% rebate incurred?
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You must buy from the hypermarkets itself, not the shops inside hypermarkets.

besides, some Jusco are categorized as DEPARTMENTAL STORES which MCC code is not in 5% list. Anyway, you don't buy an item from hypermart just because of the rebate, do you?

This post has been edited by chemistry: Jan 5 2011, 09:57 AM
chemistry
post Jan 5 2011, 11:05 AM

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QUOTE(hAnn @ Jan 5 2011, 09:52 AM)
scenario: i buy a water heater rm500 from tesco/giant/jusco, any 5% rebate incurred?
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where do you stay? maybe i can recommend you a dealer.
I guarantee the price is as competitive as hypermarts, perhaps even cheaper.

This post has been edited by chemistry: Jan 5 2011, 11:43 AM
chemistry
post Jan 5 2011, 03:52 PM

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I learnt frm other forum that an OCBC cardmember was informed by OCBC CS that as long as cardmember settles the retail spending in full, then the BT amount will remain zero interest until the 1st day of 7th statement.

I think this kind of BT is better than those separate BT account which requires the cardmember to pay 5% minimum in order to continue enjoying 0% BT interest.
chemistry
post Jan 5 2011, 04:46 PM

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QUOTE(roy918 @ Jan 5 2011, 04:13 PM)
The T&C in the OCBC balance transfer form are contradicting itself.
At the same of the balance transfer form (not T&C but just some note), it is stated payment will be allocated to purchase first before going to balance transfer.
At the back of the form (which is T&C), it is stated clearly your payment will be allocated to previous month purchases before going to balance transfer and lastly to current month purchases.
So, the CS might be wrong if OCBC system charging interest based on the T&C.

May be we need someone who have done BT to OCBC to confirm this (I did BT to OCBC but have to wait another 2 statements to check out the interest).
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I do not see any contradiction between your statement and my statement just now.

Yes, payment will firstly be allocated to retail spending then only BT. That said, your BT remain 0% as long as you settle retail purchase amount in full. So what's the contradiction?
chemistry
post Jan 5 2011, 05:12 PM

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QUOTE(roy918 @ Jan 5 2011, 04:53 PM)
Let me copy the T&C for reference.
Do note (see highlighted parts), the payment will be allocated to BT first before CURRENT MONTH purchases.
If you are talking one doesn't settle previous statement outstanding purchases, then you are right.
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I do not see a word 'Balance transfer' from (a) to (f).
chemistry
post Jan 5 2011, 05:29 PM

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Let's not argue the statement anymore. I've already consulted three CS in a day regarding the same issue. All replies from CS are the same.

Even my sister also settled retail purchase only, never heard of her complaint about interest charge. She'll never pay interest except homeloan and auto loan.
chemistry
post Jan 5 2011, 05:40 PM

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QUOTE(roy918 @ Jan 5 2011, 05:36 PM)
Alright, just some discussion to find out what those T&C mean.
So, OCBC BT is as good as CIMB separated account BT. thumbup.gif
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In my opinion, OCBC BT is 'slightly' better than CIMB BT. Not only because of no need pay 5%, but also without early exit fee. You may fully settle the BT at any time you like within the BT period.
chemistry
post Jan 5 2011, 11:00 PM

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QUOTE(PPZ @ Jan 5 2011, 10:37 PM)
i once tried to ask HSBC agent for the BT services. i want to BT my current installment/outstanding balance to my other card and they told me that there is no charges for that. not sure it is true or not. anyone tried it before?

hey guys, i found out one more thing. i am a Eon GSC card holder. Eon are offering smartphone which is quite good but are they overpriced?

here is the link.

http://www.eonbank.com.my/personal_banking...senq/senq.shtml
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Are you gonna buy at one go or installment ?
Is your mobile phone very old and defective?
Think twice, bro.
chemistry
post Jan 5 2011, 11:10 PM

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QUOTE(PPZ @ Jan 5 2011, 11:02 PM)
maybe planning to get one for gf's birthday. in my mind, i think if i go for installment not a good choice as you have to pay for 36 months!! which is a long long way to go right?
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What a precious gift! A Smartphone?!
I think a holiday trip will do better for both of you.
chemistry
post Jan 5 2011, 11:30 PM

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QUOTE(PPZ @ Jan 5 2011, 11:22 PM)
hmm.. yeah.. will think about that. tomorrow will be the 4th day after i applied for the OCBC titanium.. don know can approve or not le. hope can approve.. usually they said need 8 workings day to know if they are approve? or tomorrow i can call them and ask?
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4th day is still too early man...
Next week lar..
Dial 1300-88-5000, followed by 2-1-2-4, then your IC number.
chemistry
post Jan 5 2011, 11:45 PM

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Hi everyone, good news for CIMB/DA Visa Platinum cardmembers!
The GSC treat is extended till end of 2011 thumbup.gif
Anyway, I don't own any DA Visa Plat but Mastercard Plat cry.gif
» Click to show Spoiler - click again to hide... «

chemistry
post Jan 6 2011, 02:02 AM

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QUOTE(TeraPox @ Jan 6 2011, 01:43 AM)
hahaha.. found this pix...
I think I posted this @ ver 3.

memories~

90% of these cards had been cut ... thanks to mr. najib... smile.gif
» Click to show Spoiler - click again to hide... «

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That is impressive rclxms.gif
All are Platinums brows.gif
chemistry
post Jan 6 2011, 02:51 AM

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QUOTE(TeraPox @ Jan 6 2011, 02:08 AM)
icon_rolleyes.gif
... actually after all these years... few more members joined in...
and they ... r not Angmo anymore...
they r from afrika....  cool.gif
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are you talking about Black cards?
chemistry
post Jan 6 2011, 02:14 PM

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QUOTE(erry- @ Jan 6 2011, 04:57 AM)
same here.
but i'm not going to movie often. then no need la ~
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Smart people will utilize the privilege to earn money. Got what I mean? brows.gif

QUOTE(winner @ Jan 6 2011, 07:46 AM)
An important thing to note that CIMB accepts BT amount up to 100% of the available CL of your CIMB cc, whereas OCBC only allows 60% of your available CL.
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Thanks for the reminder.
To me, 60% CL of my OCBC Ti is already quite sufficient to do BT.

QUOTE(TeraPox @ Jan 6 2011, 08:04 AM)
Yupe.  biggrin.gif
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which banks in Malaysia do issue Black Cards?
chemistry
post Jan 6 2011, 02:49 PM

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QUOTE(erry- @ Jan 6 2011, 02:22 PM)
haha got it got it brows.gif
so i should re-apply the visa plat? laugh.gif
If you think you can earn much much more than the GST, go ahead.
But you might need to visit cinema very often to make offer laugh.gif

QUOTE(hye @ Jan 6 2011, 02:37 PM)
My prediction is that petrol rebate would not be sustainable by the cc providers in the long run. Petrol prices looks to go up again in the short to medium term.
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Agree. OCBC Ti must have started to feel the heat tongue.gif

QUOTE(erry- @ Jan 6 2011, 02:41 PM)
except for the co-brand card like cimb-petronas, pbb-esso/mobil, citibank-shell, etc.
coz if they also terminate the fuel rebates, then the card also need to terminate  laugh.gif
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Most of these cards' rebate rate is at around 2%, perhaps the banks are still able to hold it.

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