Are you having more than one SCB card? If you have 2 SCB CCs, then having 2x free 11,000 points would make sense.

Yes, sometimes I do feel that SCB JustOne Titanium is better than OCBC Titanium.

SCB JustOne Titanium is for big spender? and ocbc is for small spender? is the comparison i do correct? 

Lucky you! It ended up with free 12,000 points after minusing 10,000 points for service tax.

RHB bank is charging the overlimit charge for me RM50, is this normal ?

i dont know much about BT, never done it, and perhaps wont need it.

but can we do BT for current cc that have no oustanding but have installment remaining?

this is the case for PPZ here

3 months

and i'm not getting back the money as 'a money'

at 1st i dont want to pay but the record is there so system will take it as oustanding and charge the interest. no choice, need to pay

wanna ask abt the HLB offer shown on 8tv news on 8.30pm got free smart tag...any terms and condition since i can't find it at their website. only mention about contest win mazda 3

yes, CCRIS will show all approved and pending credit facilities in your name. So if applied to 5 different banks, after more than a week go check out your CCRIS report and you can see which banks are processing your application. The last time I checked my CCRIS, my EON bank was still pending and gave me a shocked when the CL stated was RM15K, but actual approved CL much higher.

Do they actually print your company, you are working for, on the SCB Business Visa card ?

I would like to ask if i have a credit limit of 3k can i swipe till 4k? Will there be any charges or penalty for the excess credit?

i thought if ur CL is Rm3k, then u want swipe Rm3.1k, even RM100 more your transaction will be rejected?? or in what case, the transaction will over limit? call CS to for the over limit transaction?

you mean pay the bank for the over limit charges then only the over limit transaction can go through?

(1) classic card - hlb essential should not considered as classic card, since the requirement for annual salary is 30k?
classic card salary should be 18k/year only (even hlb classic also need only rm18k/year)!

why need to wait for last minute to pay? might forget and then charge this and that, then hv to call cs to waive. too troublesome. i just pay earlier if i pass by, save alot of hassle

I want to share something about CIMB cc points expiry. Pls read the following reply from DA Customer Exec.

PBB told me that they have to charge fees on the BT. 6 months for 0% interest, 12 months for 1.5% and 24 months for 5% if not wrong. i not sure if HSBC got charges or not but normally they will charge you if they BT to another credit card?

hmm.. might charge me ah? do you know how much they normally charge?

agree! 

later before midnight i will go full tank 3 cars + 1 van! hahaha 

2011 - DA will lost cust. maybe including loyal cust like me after 7-8 years!

Is it safe to pay online using credit card. I m afraid of hijacking. Visa or mastercard, which one is more safe on internet payment.

i did fd pledge & got my ocbc titanium, there are plenty of document to sign & got it stamp duty
however, bank still have the right to reject the application
btw, the min fd to pledge is RM3k

It is issued for SCB Preferred Banking customers. However, its benefits are just normal, such as Starwood's special promotion and golfing privileges, not as many as benefits offered by MBB and CIMB/DA WMC.

don't know how LHDN calculate but for my 3k i paid RM15

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Added on January 7, 2011, 3:30 pm
yup the cs in masjid jamek gave me the whole stack of document & i went to LHDN stamp office to got it stamp

Maybe when you see those X become numbers, that zero will become RM50. Just wait & see.

how do i ask for a higher limit for my credit card? I applied my cards 2 years ago with RM1.8k basic salary and i only get RM3k limit for my cards. Now i wanna cancel all my cards and stick to only 1 card with RM7 or 8k limit, izzit possible? currently i am holding 3 cards. RM3k each. Now My basic salary is 2.3k SGD which is equivalent to RM5.5k. Seriously RM3k means nothing to me now coz its less than 1 month of my salary. I can just simply buy a Macbook for around RM4k++ and i can't use the card to swipe. Worst thing is the bank ask me to use RM10k a year so waive the gov tax, how am i suppose to hit that amount when my card's limit doesn't allow me to do so.