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 Credit Card v13

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SUSpersistence85
post Dec 22 2010, 08:28 PM

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QUOTE(s3norit4 @ Dec 22 2010, 08:17 PM)
already got rejected by mbb last week.

maybe should try ocbc.

thanks guys btw~
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wish you good luck in attempting applying @ OCBC smile.gif
SUSpersistence85
post Dec 22 2010, 09:12 PM

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QUOTE(kanethesun @ Dec 22 2010, 09:10 PM)
just got my HSBC Amanah Gold today biggrin.gif

CL same with my CIMB which I used to apply.
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but amanah card can't use to buy any liquor and non-halal such as pork, etc..

congratulations anyway rclxms.gif
SUSpersistence85
post Dec 22 2010, 11:14 PM

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QUOTE(jonuslee @ Dec 22 2010, 11:03 PM)
hi. GUys. My fren last week DA CC already appear in his CIMB clicks account. But till now he still hasn't receive the card. How is the card delivered? Pos laju? normal post?
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normally take 1 week to receive the card, normally by PosLaju
SUSpersistence85
post Dec 22 2010, 11:55 PM

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QUOTE(jonuslee @ Dec 22 2010, 11:49 PM)
oh.yours one also one week? by pos laju also?
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Yes
SUSpersistence85
post Dec 23 2010, 08:22 AM

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QUOTE(cannavaro @ Dec 22 2010, 11:55 PM)
In my case the BT was approved on the 3rd day (appeared in online statement), the actual transfer (deposit to other CC account) took another 3 days.
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So, in less than 1 week it will get approved rclxms.gif

SUSpersistence85
post Dec 23 2010, 09:21 AM

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QUOTE(erry- @ Dec 23 2010, 09:15 AM)
news update:

AMBG also joining alliance to give 12 months 0% installment WITHOUT any fee! thumbup.gif

promo till 31/3/2011 ~ (alliance so far till 31/12/2010 only).

http://www.ambg.com.my/promotions.asp?sc=p..._creditcard_020
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with minimum amount Rm2,500

i wonder what bank profits when there is 0% on BT charges?
SUSpersistence85
post Dec 23 2010, 10:49 AM

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QUOTE(cannavaro @ Dec 23 2010, 10:46 AM)
Nice... any other banks with such offer?
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Maybank , Alliance
SUSpersistence85
post Dec 23 2010, 10:57 AM

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QUOTE(cannavaro @ Dec 23 2010, 10:53 AM)
Just checked Maybank's but there's no 0%.
http://www.maybank2u.com.my/cms_upload/Web...f251110_img.jpg
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http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards
SUSpersistence85
post Dec 23 2010, 11:01 AM

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QUOTE(b00n @ Dec 23 2010, 10:23 AM)
@Persistence85,
Until you explain yourself in that topic; this topic would forever be spammed by someone asking you to explain as this is the only way to get to you.
Also someone claimed got your LYN PM that says the bank account you gave is same as published. So it doesn't matter whether or not the person in facebook or friendster is not you or your husband; but your nick is at risk and also account number.
So pls do the courtesy of explaining yourself there. Or contact the TS.
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I wonder why you removed my explanation for everyone instead of going into PM(s). Is there anything that cannot let public know?

I hope my explanation won't get deleted by you again as this is for public to know more.

1. The fs/fb profile is not mine, judging from the pic, i can doubt she is a girl while they say he is a guy, no doubts thats a photoshop-ed.

2. The account is not mine, why should i care? I'd sincerely advise them go for a police report lodge. Trolling in lyn won't help.

3. My profile nick in lyn is at risk? it is not important for me as i have done nothing wrong at the first place.

4. Being a keyboard warrior doesn't means they're great, isn't it? They just want attention only.

I don't have to explain things that i have not done. If that was my husband name, then i will defend. If it is not, what for?

This post has been edited by persistence85: Dec 23 2010, 11:08 AM
SUSpersistence85
post Dec 23 2010, 11:10 AM

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QUOTE(erry- @ Dec 23 2010, 10:56 AM)
maybank didnt offer 0% purchase installment with no upfront fee!  doh.gif

the 1 that maybank offer is Balance Transfer ~
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Sorry, sir. I was busy replying admin's private messages for things i've not done at the first place whistling.gif whistling.gif doh.gif
SUSpersistence85
post Dec 23 2010, 12:16 PM

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QUOTE(kanethesun @ Dec 23 2010, 12:10 PM)
wondering any promo on HSBC now?
only the contest of RM30 to be won in every minute?

Saw in today newspaper.
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It's been quite a while already

SUSpersistence85
post Dec 23 2010, 03:47 PM

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QUOTE(gastacopz @ Dec 23 2010, 02:58 PM)
makes me thinking to get one OCBC Tit... drool.gif

btw, how should i go with my service tax which i claimed in advanced, and they did rebate me in advanced..and now they asked me to pay the service tax yet again..seems like my rewards points forfeit like that...dont you think guys???
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OCBC is the best cash back card wink.gif
SUSpersistence85
post Dec 23 2010, 05:20 PM

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QUOTE(de.crystal @ Dec 23 2010, 04:02 PM)

Citi cash back is not bad too..
you mean citi cash back plat?
SUSpersistence85
post Dec 23 2010, 05:36 PM

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QUOTE(de.crystal @ Dec 23 2010, 05:22 PM)
yeah it gives 5% on petrol too maa...
so i think 1st is ocbc tit, 2nd is citi cash back plat..
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agree @ 1. OCBC 2. citi cash back plat smile.gif

SUSpersistence85
post Dec 23 2010, 06:49 PM

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QUOTE(MilesAndMore @ Dec 23 2010, 06:43 PM)
That thought did cross my mind before but i quickly dropped it. I think it is quite a hassle to open yet another savings account with another bank. I simply am too lazy too keep track of my accounts from a few different banks. Never mind. I'll wait for a few more months and reapply for it. Credit line i am seeking is RM10,000 only and i will write this request down in the application form next time i apply for their card. I have the tendency only to pay up my credit card bill on the last day of my due date. So i will need RM10,000 of credit line from OCBC to make sure the card still can go through despite there is an outstanding  biggrin.gif
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if you swipe Rm10,000, you also will get only Rm50 max? rclxub.gif

SUSpersistence85
post Dec 23 2010, 07:17 PM

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QUOTE(chemistry @ Dec 23 2010, 07:00 PM)
You did not catch his meaning.
There are 20 days interest-free period after the statement comes out. So, within this period you will still spend, and it'll deduct your CL accordingly which will eventually exceed RM5,000. Only when you settle the statement amount, then only the bank wil restore your used limit.
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Now i understand, thanks thumbup.gif

Added on December 23, 2010, 7:18 pm
QUOTE(erry- @ Dec 23 2010, 07:16 PM)
coz some1 else swipe RM5,900.10 in the same minutes with u! sweat.gif

same here. dont want to open too much bank account. and same style too, wait for last day of due date to pay smile.gif
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try on monday or tuesday, guess more people working, btw, HSBC got a lot of "big fish" brows.gif


This post has been edited by persistence85: Dec 23 2010, 07:18 PM
SUSpersistence85
post Dec 23 2010, 08:56 PM

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QUOTE(erry- @ Dec 23 2010, 08:53 PM)
set reminder in phone smile.gif

besides lot of people here said bnm now give 3-days grace period after due date to make settlement notworthy.gif
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how if ur phone suddenly gone crazy? i tried that before and the last minute meeting gone~
SUSpersistence85
post Dec 23 2010, 09:02 PM

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QUOTE(erry- @ Dec 23 2010, 08:57 PM)
make more than 1 reminder. put sticky notes on ur desktop screen, write it at whiteboard at living room, etc.

and when u urself usually go to cdm to pay credit card let say on each 18 day of the month, then u will make that as a habit whistling.gif
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wow, u pay every month for the same exact date?

good paymaster rclxms.gif rclxms.gif

This post has been edited by persistence85: Dec 23 2010, 09:03 PM
SUSpersistence85
post Dec 23 2010, 09:21 PM

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QUOTE(winner @ Dec 23 2010, 09:19 PM)
The easiest way is to request the banks to change the statement date and subsequently adjust the due date to first day of every month, if the banks are willing to do so. I have done this to my Amex and Alliance CCs before. And now, all my CCs and housing loans have the same due date, i.e, either on the first or last day of every month. As far as I am concerned, my accounts have only one date, that's the last day of every month.
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due date of CC statement can be changed?

I learn new things on today smile.gif

SUSpersistence85
post Dec 23 2010, 09:43 PM

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QUOTE(winner @ Dec 23 2010, 09:25 PM)
If your banks are willing to change the statement dates, the due dates will be changed accordingly.
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Guess will give a shot to a bank brows.gif

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