I currently have a PB Gold and I plan to pledge a small amount of FD to increase my credit limit- I suppose that makes it a 'secured' credit card?
Can I apply for another banks card with a 'secured' card?

Is it actually possible for the cashier to charge a single receipt/bill with multiple cards? Cos I always paid full with a single card.

..and it's not hard to spend RM10k in a single card per year 

DA MC is not my primary card. Even they're lucrative, the only reason I'm still keeping my DA MC is their BT deal and the limit they offered to me compared to MBB.

Last few months I went to Room18 Restaurant a few times, DA card helped me save RM70 (10% discount). Dragon-i's 20x Reward Pts is equivalent to 10% cashback as well.

u should use MC only to purchase the universal studios ticket. buy 4 get sgd$25 voucher free!

if u done it already, congrats 

going out to hsbc now! cdm cdm! my hsbc due date is today! got another 30mins only! haha
statement balance rm10,981.01
so bringing rm11k cash with me. dont rompak!
need to do cdm more than 7 times coz hsbc kajang cdm only accept rm1500 at 1 time
luckily hsbc and my house only 3mins drive

why dont open bank saving acc and pay online? 

just came back from Mid Valley, bought a washing machine @ Harvey Norman, but then was told by HSBC staff that we're not entitled for the gift redemption

but what i hare about pb cards is their CL
always lowest aong the banks

my PB gold is 1/3 Cl compared to my other cards

if your annual income got at least 36k per annum, just apply OCBC Titanium
the rebate is the top among all card

But MBB has on-the-spot redemption for items/vouchers at participating partners.

sorry.. can someone help me answering the above?

really?

if look @ http://www.hsbc.com.my/1/2/personal-bankin...alance-transfer
it shows 5.99% per year.

aiya guys, i just forgot that i use the installment for HSBC CC.. that means i can't cancel them yet.

not sure it is a good idea to cancel my HSBC and change to PBB Esso CC?

The limit of your liability for a lost or stolen credit card is RM250.00 only under Rule 13.2 of the Bank Negara rules on credit card if it has been fraudulently used.

Please note this limit and ensure that your bank does not overcharge you should your card have been used illegally.

Most are unaware of RM250 limited liability �C PLEASE READ AND BE INFORMED! CARDHOLDERS need not pay more than RM250 whenever their lost or stolen credit cards are used by others. Yet, often times, they end up paying much more.

This is because Bank Negara has not informed cardholders that they do not have to pay more than RM250 for fraudulent transactions carried out using their lost or stolen cards, when they had not acted fraudulently and had informed the banks about the lost or stolen cards as soon as possible.

This protection is given under Clause 13.2 of Bank Negara's Credit Card Guideline:

"The cardholder's maximum liability for unauthorised transactions as a consequence of a lost or stolen credit card shall be confined to a limit specified by the issuer of credit cards, which shall not exceed RM250 provided the cardholder has not acted fraudulently or has not failed to inform the issuer of credit cards as soon as reasonably practicable after having found that his credit card is lost or stolen."

Banks know about Clause 13.2 but have chosen to ignore it. Instead they pursue cardholders for the fraudulent transactions.

They will tell cardholders that a clause in the credit card contracts states that all transactions carried out before the loss of the cards are reported to the banks, are deemed to be carried out by the cardholders.

Many cardholders then pay up because they are unaware of the RM250 limited liability. "

no one knows what are the evaluation criteria for OCBC cc. my friend's application was rejected too. they sent a letter to his house. probably coz he is owning too many cards ?

Please let know best credit card out there with following that give rewards back / cash back / travel rewards etc with zero anual fee...

i am new to credit cards but need it quite urgently....appreciate your inputs here...thanks

anyone cancel your citibank card before ? heard that citibank wont let their customer to cancel their cc so easily, they will try to delay and delay. anyone experience this before ?

can i do BT partially for amex cc ? how long does it take to approve ? thanks

so which one is correct?
i mean at the time i apply at 5 different bank, CCRIS will also show which bank u re applying?

I want to share my experience with MBB card as well since so many ppl sharing . This event does not incurred any loss to me but I feel that their the way their system work does not offer any security to us.
I used my MBB CC to purchase a 2K DELL laptop for my gf. The purchase made under her name but paid using my card. That was the first time i made an online transaction. The purchase went off successfully and MBB did not call me to verify the transaction. A few days after receiving the laptop, I found that my card was blocked. So, I call their CS and was told that they blocked my card as they can't verified that I made the purchase. Reason given, they can't reach me through my cell but in actual, there was no call from them. Another few days later, I received a mail from them saying that my card was blocked due to unauthorized online transaction.

The thing here is that they blocked my card after the laptop had already been received and payment being charged to my card. Just imagine if someone misused my card.

where are u looking
it's here

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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

My application for OCBC Titanium MasterCard was rejected. I have not given up on it though. Will definitely reapply next year. This card is simply too good to let it pass by 

My experience of applying the OCBC branch only requires my existing credit card and nothing else. I walk in to the Masjid Jamek branch, in which, I think that's the HQ of OCBC Malaysia? The process of application takes up 5 minutes. After 3 weeks, the card was mailed to me. My income is merely RM3k before deductions, but well, they don't check for my pay slips. I have taken a joint-loan with OCBC too. But that makes me wonder if that helps.

Any RHB platinum card holder here?

hi guys, want to ask is it worth it to use malaysia cc overseas?
i am staying in singapore but i only own malaysia cc. i heard there will be some charge for using cc overseas. anyone can advise on this? thanks

Although holding Maybank cards, my income is not at World Mastercard level, yet I receive mailer and calls from Maybank persuading to accept WMC. The latest catch was to pay RM1000 fee upfront, but will be reimbursed in full if spend RM100K.

Guys, Merry X'mas! Have a quick question to CIMB Direct Access card holders. The i.Pay Plan that gives installments to all retail purchases will expire on 31st Dec 2010. I'm a new card holder since July 2010, from your past experience, does this promotion will come again next year? Or this is its first and last time doing this? As far as I know they had once in 2009 too right? Please enlighten me.

Do I need to call them or send in the flexi pay form although at the website stated it can be done by sms.

The 3x HSBC Rewards Points for overseas spending are given on a first come first served basis with limited 3x HSBC Rewards Points to be given away. HSBC has so many big fish using their card. I am sure it has reached its quota many months ago.

CIMB Direct Access extended the BT program till 30 June 2011! Yey!