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 Credit Card v13

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SUSpersistence85
post Dec 22 2010, 11:49 AM

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QUOTE(chemistry @ Dec 22 2010 @ 11:25 AM)
That attendant is simply incompetent. Maybe he was a bit HIGH already.
LOL @ HIGH tongue.gif

This post has been edited by persistence85: Dec 22 2010, 11:51 AM
SUSpersistence85
post Dec 22 2010, 12:00 PM

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QUOTE(alexwsk @ Dec 22 2010, 11:58 AM)
yes, it will be rejected most of the time bcoz of over credit limit
and for some bank such as RHB, there is a over limit charge once this happens

meaning your transaction won't go thru and you hv to pay the bank
*
you mean pay the bank for the over limit charges then only the over limit transaction can go through?

SUSpersistence85
post Dec 22 2010, 12:04 PM

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QUOTE(alexwsk @ Dec 22 2010, 12:02 PM)
no, the transaction will not go thru
but the bank will charge you let say RM50 for trying to swipe beyond ur CL

if the bank let the transaction go thru, you might also need to pay the above fee
*
RM50 gone even though the transaction not go through.. wow....

Added on December 22, 2010, 12:06 pm
QUOTE(chemistry @ Dec 22 2010, 12:03 PM)
Maybe EssoMobil in Klang Valley/bigger cities have upgraded the pumps to become more "flexible".
*
At petronas, also same.. need to put mesra card first then only credit card at pump itself.


This post has been edited by persistence85: Dec 22 2010, 12:06 PM
SUSpersistence85
post Dec 22 2010, 12:39 PM

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QUOTE(Chuckiekey @ Dec 22 2010, 12:11 PM)
my basic pay is around 1.6k and commission maybe few hundred, I jz want to know which bank I shud go for. I wanted to go for HSBC, dunno whether it is posible.
*
u can try to apply, no harm

Added on December 22, 2010, 12:40 pm
QUOTE(chemistry @ Dec 22 2010, 12:13 PM)

You're talking about petronas. Shell also BonusLink first, i know.
Next time you try to put CC first, then only Mesra, see can work or not? smile.gif  If yes, that pump is intelligent  biggrin.gif
CC first, mesra card second, cannot..


This post has been edited by persistence85: Dec 22 2010, 12:40 PM
SUSpersistence85
post Dec 22 2010, 01:44 PM

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QUOTE(David83 @ Dec 22 2010, 12:42 PM)
I thought at Petronas, it should be CC first and then Mesra card.

I always do that.
*
for my petronas here, mesra first, then CC

even if i go to counter, also mesra first, then CC
SUSpersistence85
post Dec 22 2010, 01:47 PM

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QUOTE(MilesAndMore @ Dec 22 2010, 01:41 PM)
The problem is now we do not even know if that incident took place in Malaysia, are we still covered ?
No. The transaction can still go through. I tried this a few times before with CIMB Gold MasterCard and Maybankard Gold AMEX 2 years ago.
CIMB Bank and Maybank will not charge you over-limit fee if you do it as such. I mean deposit some money into your credit card account first before swiping it to make sure you have enough limit.
Apply for all Maybank credit cards? woah, such a good maybank, wan apply, coz sometime over limit i also dunno, then it's good that this bank allow the transaction goes through~

Added on December 22, 2010, 1:48 pm
QUOTE(ronnie @ Dec 22 2010, 01:46 PM)
Special pump machines.. which Petronas ?
If you insert the Mesra card first, that means it will use the Mesra points to pay for the petrol, right ?
*
Sorry, i mean at the counter..

if pump, mesra first, then cc...

sorry, i confused sad.gif


This post has been edited by persistence85: Dec 22 2010, 01:48 PM
SUSpersistence85
post Dec 22 2010, 01:56 PM

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QUOTE(MilesAndMore @ Dec 22 2010, 01:54 PM)
I guess so.
*
Alright, will go and apply for next year rclxms.gif

SUSpersistence85
post Dec 22 2010, 02:14 PM

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QUOTE(chemistry @ Dec 22 2010, 01:59 PM)
Amex Gold CC is the best Maybank cc  i think.
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Noted with thanks smile.gif

SUSpersistence85
post Dec 22 2010, 02:17 PM

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QUOTE(bingozero @ Dec 22 2010, 02:11 PM)
I think you better report to mod according to someone pointed your nickname at lowyat. So that mod can carry up this case.
*
Why would i care so much why this case has nothing to do with me, agree? tongue.gif Btw, If they have an evidences, they would head to police report already? why troll at lowyat? answer is easy, because this is the virtual world for the trolls rclxms.gif

Faithfully, i wouldn't care so much about these things done by trolls because;

1. The name is not mine
2. The friendster / facebook profile is not mine
3. Everything is not mine

How do i report to a mod while everything has nothing to do with me? sweat.gif sweat.gif

Added on December 22, 2010, 2:18 pm
QUOTE(kei18kun @ Dec 22 2010, 02:16 PM)
it works for since everytime i put in mesra then cc
i only put mesra card in only when i want to claim it as petrol
*
yeah, thats for petronas only, for Esso/mobil, its different..

This post has been edited by persistence85: Dec 22 2010, 02:18 PM
SUSpersistence85
post Dec 22 2010, 02:26 PM

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it's not dangerous, because you have to accumulate many many points then can only redeem for Rm10 voucher, i have one before, but i dump it already.. lol..
SUSpersistence85
post Dec 22 2010, 03:12 PM

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QUOTE(ronnie @ Dec 22 2010, 02:30 PM)
1 Mesra point = RM1 worth of Petrol lah...
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Are you sure Mesra point 1 worth RM 1??????

If i pump RM50 = 26 litres , meaning worth Rm26? sweat.gif sweat.gif sweat.gif
SUSpersistence85
post Dec 22 2010, 03:28 PM

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QUOTE(erry- @ Dec 22 2010, 03:14 PM)
agree  thumbup.gif

ok i wil ltry it later smile.gif

bcoz mesra points calculate based on litre! not rm like esso/mobil smiles! u pump rm50 for ron95, its 26.13 litres, thats y u get 26 points only!  doh.gif

correction! 1000 mesra points = rm1 petronas petrol sweat.gif

and to get 1000 mesra points, u need to swipe rm1900 ron95 ~!!! laugh.gif
*
True rclxms.gif

SUSpersistence85
post Dec 22 2010, 04:00 PM

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QUOTE(chemistry @ Dec 22 2010, 03:54 PM)
I see. However, no harm trying to apply. It's a good card smile.gif
*
why hlb essential is good among all the classic? hmm.gif

SUSpersistence85
post Dec 22 2010, 04:15 PM

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QUOTE(erry- @ Dec 22 2010, 04:05 PM)
hlb essential cannot considered as classic?! rclxub.gif

hlb got their own classic card wih rm18k/year salary requirement.
essential need rm30k/year.

sweat.gif

btw, hlb essential give free annual fee if swipe 2x/month + 1% cashback on all transaction.
new applicant can get rm50 cashback (limited to a number of people) to cover the gst with 2x swipe within 45 days.

Added on December 22, 2010, 4:06 pmgood for u sweat.gif
*
er, other bank also waive annual fee provided u swipe 2x within 2 months.. brows.gif

SUSpersistence85
post Dec 22 2010, 04:21 PM

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QUOTE(erry- @ Dec 22 2010, 04:17 PM)
DA, mbb petronas, amex gold credit, cimb petronas, pbb esso/mobil - all free for life with no condition  whistling.gif

but u ask about hlb essential? doh.gif doh.gif doh.gif
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er, i ask why hlb essential is good as u mentioned among all the classic card? whats its benefits? hmm.gif

SUSpersistence85
post Dec 22 2010, 04:27 PM

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QUOTE(erry- @ Dec 22 2010, 04:24 PM)
not me! doh.gif

read it again whistling.gif

the benefits = 1% cashback sweat.gif
*
doh.gif doh.gif rclxub.gif

SUSpersistence85
post Dec 22 2010, 04:34 PM

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QUOTE(maxguy @ Dec 22 2010, 04:33 PM)
any latest balance transfer offer from maybank card? thanks
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0% for 12 months
SUSpersistence85
post Dec 22 2010, 04:46 PM

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QUOTE(maxguy @ Dec 22 2010, 04:45 PM)
thank you very much for the reply, i shall sent in the application soon. cheers
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Welcome~
SUSpersistence85
post Dec 22 2010, 04:57 PM

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QUOTE(chemistry @ Dec 22 2010, 04:54 PM)
Maybank Credit Cards (non Amex), SCB Business Platinum, OCBC Titanium.

MBB: low admin rate, 0.5% compared to other banks' 1%
SCB Biz: Triple Choice Points plus 0.5% uncapped cashback
OCBC Ti: 5% cashback on petrol/dining/groceries/utilities

make your decision.
*
For me, MBB and SCB is good for overseas transaction icon_idea.gif

SUSpersistence85
post Dec 22 2010, 05:43 PM

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QUOTE(s3norit4 @ Dec 22 2010, 05:38 PM)
oh, really?

then, what's the best cc for below than 28k annual income, oversea transaction?  hmm.gif

4 weeks to go before my winter backpacking. cry.gif
is it enough time to apply the new one?
*
try MBB and ocbc (maybe they will let u pass eventho ur annual salary din meet their requirement)

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