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 Credit Card v13

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chemistry
post Jan 6 2011, 03:25 PM

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QUOTE(erry- @ Jan 6 2011, 02:55 PM)
pbb esso/mobil got tier, more pump more rebates (max 5%).
also promo extra 3% till 31/3 thumbup.gif

rhb travel money give 5% on 1st weekend at all petrol station (cons: rm70 annual fee un-waivable).
ambg-carz also give 5% at all petrol station everyday but must have outstanding (cons: u will be charged with interest ~).
shell-citi also give 5% at shell everyday but must have outstanding too (cons: annual fee, and outstanding will be charged with interest ~).
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We don't talk about high rebate on the condition of outstanding balance smile.gif
We talk about permanent feature, not promotion rate.
chemistry
post Jan 6 2011, 04:04 PM

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QUOTE(PPZ @ Jan 6 2011, 03:42 PM)
haiya.. i just get to know that my OCBC Titanium kena rejected. cry.gif what is the percentage for success if i apply again???

Added on January 6, 2011, 3:59 pmhey guys, i think no choice but to apply for the PBB Esso card but can i fax to them for my application??
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If u reapply immediately with the same docs, very likely get declined again.
I advise you walk in OCBC Bank and get an FD-pledged cc.

Added on January 6, 2011, 4:06 pm
QUOTE(PPZ @ Jan 6 2011, 03:42 PM)
haiya.. i just get to know that my OCBC Titanium kena rejected. cry.gif what is the percentage for success if i apply again???

Added on January 6, 2011, 3:59 pmhey guys, i think no choice but to apply for the PBB Esso card but can i fax to them for my application??
*
If u reapply immediately with the same docs, very likely get declined again.
I advise you walk in OCBC Bank and get an FD-pledged cc.

This post has been edited by chemistry: Jan 6 2011, 04:06 PM
chemistry
post Jan 6 2011, 04:12 PM

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QUOTE(PPZ @ Jan 6 2011, 04:08 PM)
too bad.. sad.gif i think i will choose PBB Esso then.. can i fax to them? do you guys know what is their fax number? i try to call their customer center but until now nobody pick up my call. sad.gif
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Assume you spend RM200 on petrol each month, the rebate tier is 2%. You get RM4 per month. OCBC Ti gives you RM10 per month.

The difference of RM6 multiply by 12 months = RM72
more than gst.
chemistry
post Jan 6 2011, 05:13 PM

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QUOTE(PPZ @ Jan 6 2011, 05:06 PM)
but they reject my application.. what to do??
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didn't u read my reply??!
I said FD-pledged credit card.
chemistry
post Jan 6 2011, 08:00 PM

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QUOTE(TeraPox @ Jan 6 2011, 07:31 PM)
HSBC CIMB and MBB

Master World...  laugh.gif
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Are these cards still with you now?
chemistry
post Jan 6 2011, 09:47 PM

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QUOTE(TeraPox @ Jan 6 2011, 09:42 PM)
SCB got WMC?
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yes there is SCB preferred WMC.
Refer this.
chemistry
post Jan 7 2011, 01:01 PM

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QUOTE(WhiteWing @ Jan 7 2011, 12:14 PM)
My PBB Esso-Mobil CC reach alr. Just collected it from PBB branch. Quite card but the bank still approve me. On my hand already got 5 cards now and now got 6 cards already. sweat.gif
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How much do you spend on fuel every month?
Do you know PBB-esso cc cash rebate rate is by tier basis? Just a friendly reminder.
Total Monthly Retail Purchase at Esso or Mobil Service Stations
(RM)

Cash Rebate Tier
(%)
< = 100 0.5
>100 - 200 1.0
>200 - 500 2.0
>500 - 800 3.0
>800 5.0
chemistry
post Jan 7 2011, 01:10 PM

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QUOTE(viknes36 @ Jan 7 2011, 01:07 PM)
hi guyz,

what is the different between OCBC Platinum and Titanium? Seems like Titanium better or both same?

thx in advance
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very very big difference.
Titanium offers the most generous permanent cashback rate in town. It has a monthly capping of RM50.

Guys pls do not mention Amex 15% cashback as it is a limited period promotio.
chemistry
post Jan 7 2011, 01:28 PM

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QUOTE(roy918 @ Jan 7 2011, 01:22 PM)
If one happens to hold OCBC Titanium and Amex, do you think OCBC Titanium better than Amex?
There is no right or wrong answer but this is purely discussion. There is no point to discuss here if you are limiting what can be discussed.
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Will you really stop mentioning Amex just because I said "Guys pls don't mention Amex"? Wow you are so obedient. thumbup.gif

Are you in a bad mood today? oops.gif
Calm down man, today is Friday, let's cheer.
chemistry
post Jan 7 2011, 01:29 PM

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QUOTE(WhiteWing @ Jan 7 2011, 01:23 PM)
Funny PBB Esso Card, expiry date is after 2 years from today .. LOL !
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What's so funny with the 2 years expiry?
chemistry
post Jan 7 2011, 01:39 PM

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QUOTE(WhiteWing @ Jan 7 2011, 01:37 PM)
It give me a feeling that this card not gonna so usefull after 2 years laugh.gif , that all I feel. Preparing to cut card alr ... CIMB & HLB gonna reach their anniversary soon. Gonna cut both of them. Bye bye to these 2 cc that been with me for more than 3 years. If not because of GST.. I also won't cut them up sad.gif  cry.gif
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by the time all your cards have reach their own anniversary month, you cut them all to avoid GST? sweat.gif
chemistry
post Jan 7 2011, 02:15 PM

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QUOTE(dr2k3 @ Jan 7 2011, 02:12 PM)
anyone have maybank credit card cancellation form?
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in the first post there is a template.

» Click to show Spoiler - click again to hide... «
chemistry
post Jan 7 2011, 02:20 PM

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QUOTE(dr2k3 @ Jan 7 2011, 02:17 PM)
i want official one...
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I don't think it is available online.
Card cancellation can be done by just an endorsed letter with signature, official letter is not necessary.
chemistry
post Jan 7 2011, 02:43 PM

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QUOTE(dr2k3 @ Jan 7 2011, 02:30 PM)
will do~ just hoping i can get it from here faster....
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no need official one lar, trust me.
As long the letter states your intention of cancelling the card, usually the bank can accept it.
chemistry
post Jan 8 2011, 08:51 PM

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QUOTE(jonuslee @ Jan 8 2011, 08:38 PM)
Guys, my maybank petronas cc until there is no GST charge . I saw my online CC number is XXXX-XXXX_XXXX-number. The front 12 number is only X and in the balance statement, it shows 0. meaning that my CC does not have any GST charge.very weird.Cos normally CC will be charged GST but does anyone out there has the same issue as me?
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Maybe when you see those X become numbers, that zero will become RM50. Just wait & see.
chemistry
post Jan 9 2011, 01:53 AM

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QUOTE(erry- @ Jan 9 2011, 12:57 AM)
maybank2u will always put XXXX sweat.gif
*
Oops, I'm sorry. I never have an MBB card, so don't know such thing. Sorry for acting like a noob...
chemistry
post Jan 10 2011, 01:09 AM

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I over hit RM50 rebate capping already.
As of 10/1/2011 my spreadsheet shows total rebate as RM50.50. .
I cannot use this card anymore until 11/1/2011 (new statement month)
chemistry
post Jan 10 2011, 04:25 PM

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Just realized that I can easily approach (if not hit) RM50 rebate capping of ocbc Ti. I'll have to retain my DA Mastercard for Tesco/Giant purchase. Last week bought a lot at Giant. Maxxed out its RM50 capping as well. This is a record in my cc history.
chemistry
post Jan 10 2011, 10:20 PM

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QUOTE(WhiteWing @ Jan 10 2011, 10:13 PM)
Omg,you just remind me their Call on Cash stuff. Thank you so much bro. With 0.5 interest,not only save the withdraw fee and also the daily interest fee. I forgot I hold the card and I got such benefit. Hehe..
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I remember u have SCB platinum.
Few weeks ago scb offered me cheque on call,interest 0.42% per month.
You may BT this to another cc that offers 0% BT to avoid interest charge.
chemistry
post Jan 10 2011, 11:51 PM

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QUOTE(WhiteWing @ Jan 10 2011, 10:57 PM)
I think I do HLB Call for Cash will be better. It's still better than I withdraw money and get daily interest  blush.gif  ~ chemistry .. don't so loud .... shhh  sweat.gif
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HLB call for cash is indeed an excellent product which has been receiving great response. OK OK, silence.:-P
FYI,interest charge of HLB call for cash is calculated on daily basis.

This post has been edited by chemistry: Jan 10 2011, 11:55 PM
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