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 Credit Card v13

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kei18kun
post Dec 19 2010, 04:26 PM

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QUOTE(erry- @ Dec 19 2010, 04:11 PM)
even my mbb visa (not petronas), they offered 10k tp for me to offset the gst, still, i need to pay that rm50 1st and later they credit me 10k tp. now dunno what to redeem brows.gif
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wow, good news indeed, even MB catch on the the trend of offering absorb gst
kei18kun
post Dec 19 2010, 05:02 PM

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QUOTE(erry- @ Dec 19 2010, 04:27 PM)
no different, i'm not earning that rm50, coz i need to pay gst, which is rm50 too.

so better use another card that give cashback so i can earn more smile.gif

nops. but hsbc got biggrin.gif

oh in august. its ok. hlb essential give 1% only while ur scb justone give 2% & 5% notworthy.gif
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good point since MBB card doesn't any benefits
kei18kun
post Dec 19 2010, 05:11 PM

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QUOTE(erry- @ Dec 19 2010, 04:31 PM)
mbb NOT offering this to any1!  doh.gif

my card not petronas so got annual fee. they give 3 years free af before.
this year finish, but 1 month before expired they send new card.
i want to cancel. but they offering me another 3 years af and that 10k tp.
dunno why.
BUT, previously i use about rm30k/year and always pay in full.
starting this year (from october, new card issued), no more high spending on this card.
so i wil lterminate it next year, no matter if they offering another 10k tp.
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lol, mine is in between cancelled card and still exist since i cancel it last year bcos heard of gst. then i called to reinstate it bcos hv installment in it since i hv to pay 1 lump sum if i cancel. So wat i think Maybank do is just maintain the card in database so i finish paying the installment but i never get the gst until now. of cos i don't hold the card anymore
kei18kun
post Dec 19 2010, 05:30 PM

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QUOTE(alexwsk @ Dec 19 2010, 05:15 PM)
coz too many ppl applied, so scb decided to do damage control laugh.gif
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haiya, just do like PBB limit it to payout of 800k or 1mil each month loh

QUOTE(erry- @ Dec 19 2010, 05:19 PM)
u should do BT b4 cancel the card  brows.gif

or just, pay 1 lump sum biggrin.gif


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don't hv the money lah, if not just pay everything already tongue.gif
kei18kun
post Dec 19 2010, 07:29 PM

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it means its already approved


Added on December 19, 2010, 7:29 pmjust waiting for u whether u want it or not

This post has been edited by kei18kun: Dec 19 2010, 07:29 PM
kei18kun
post Dec 19 2010, 07:34 PM

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of cos i think u still need to submit the application, not sure. my dad get alot of pre-approved card, just didin't ask him abt it
kei18kun
post Dec 20 2010, 10:48 PM

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QUOTE(teoanne @ Dec 20 2010, 10:24 PM)
Lets just make it easier. Is it possible to do partial BT from one credit card to another?

I want to keep my hsbc because i love the card and use it all the time but also want to take advantage of AMEX's 0% BT for a large purchase.

I've never done BT in my life, so not too sure
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is it wat u mean is this situation?

wat i did is just do bt to a card which owe nothing. so i hv extra cash at hand


Added on December 20, 2010, 10:51 pm
QUOTE(rickkywong @ Dec 20 2010, 10:26 PM)
Existing installment plan cannot do BT to another card while the new transaction as you mentioned going to swipe 10k tomorrow can be BT to another card (for new transaction, must wait it appear on the statement b4 apply for BT). This is not consider partial BT.

Partial BT eg:
Any existing outstanding balance without installment plan = RM25000
Apply BT to another card = RM15000
Balance outstanding on existing card = RM10000

Full BT eg:
Any existing outstanding balance without installment plan = RM25000
Apply BT to another card = RM25000
Balance outstanding on existing card = RM0

Hope that this will answer your question... icon_idea.gif
P/S: Amex & Maybank CC is offering the best BT in town. 0% for 12mths.
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actually i did do a bt on a card which owe nothing since the bt doesn't require statement, just provide the a/c info


Added on December 20, 2010, 10:54 pmif not mistaken its cimb card to maybank card
anyway, who can swipe for me 2k and gv me the cash? i'll pay for the 2% charged by the bank
the reason is MBF card is offering 3 years of free interest if u make minimum payment rite? if i take the 2k and put into FD i still earn 2.75% rite?
so the question is whether its worth the effort or not since i still need to make minimum payment each month
the same can be said abt 0% interest for 12 months since u need to pay the monthly installment

This post has been edited by kei18kun: Dec 20 2010, 11:02 PM
kei18kun
post Dec 20 2010, 11:03 PM

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QUOTE(persistence85 @ Dec 20 2010, 10:58 PM)
what u mean swipe for u rm2k and give u the cash?  rclxub.gif
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sry, just refresh and reread my post since i edited it
kei18kun
post Dec 21 2010, 08:59 PM

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QUOTE(ronnie @ Dec 21 2010, 10:09 AM)
OT: If you have children (<18 years), then you could open HLB Junior FD which gives 5% p.a. for up to 5 years tenure (interest credited monthly)
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that promotion over already

QUOTE(persistence85 @ Dec 21 2010, 10:25 AM)
Yeap, but my daughter just 1 year 4 months on tomorrow  tongue.gif
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still can join although the rate is different already

http://www.hlb.com.my/qa/ir/irfd.jsp?flag=irfd

Hong Leong Junior Fixed Deposit (wef 01/12/2010)
Duration
Interest Rates p.a.
12 Months 3.50% #
24 Months 3.30%
36 Months 3.50%
48 Months 3.90%
60 Months 3.90%
# Hurry! Open and deposit a minimum of RM20,000 into Hong Leong Junior Fixed Deposit Account and RM5,000 into Hong Leong Junior Savings Account to enjoy higher FD rate of 3.5%p.a. for 12 months tenure. Also, you stand a chance to win an all-new Nissan Teana 2.0L. The promotion is valid until 31 March 2011. Terms and conditions apply. Click here to find out more details about the promotion.
The FD placement will be renewed at the prevailing board rate upon maturity. Hong Leong Bank ("Bank") reserves the absolute discretion to vary the rates and tenures at anytime or from time to time.


Added on December 21, 2010, 9:10 pm
QUOTE(Gen-X @ Dec 21 2010, 07:40 PM)
If you just started work, my suggestion is apply for 2 cards from different banks in case one of them turn you.
well, for my case they happily closed my account when I requested without any questions and credited back RM50 GST which was charged.
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wah, nice they even give back the gst

my experience with citibank is good since they cancel my card after 1 call back also. will cancel it again after i apply to get the free gift GPS tongue.gif

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

This post has been edited by kei18kun: Dec 21 2010, 09:10 PM
kei18kun
post Dec 21 2010, 09:29 PM

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no lah, they will just ur ctos/ccris record only mah
kei18kun
post Dec 21 2010, 09:49 PM

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QUOTE(cuebiz @ Dec 21 2010, 09:32 PM)
Yes. CCRIS will shows the type of credits that you are applying.
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ic, learn something new today, but who will apply so many cards at 1 time? unless hv free gift of cos cool2.gif
kei18kun
post Dec 21 2010, 10:03 PM

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QUOTE(alexwsk @ Dec 21 2010, 09:58 PM)
where are u looking rolleyes.gif
it's here


Added on December 21, 2010, 10:01 pm

if u apply all at the same day, CCRIS might not captured the info yet tongue.gif
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only mention zing card, nothing about the smart tag
maybe i misunderstood abt the advert on tvlah


Added on December 21, 2010, 10:04 pmhow does the cash rebate works anyway? just spend 5k for 3 months and get it?

This post has been edited by kei18kun: Dec 21 2010, 10:04 PM
kei18kun
post Dec 22 2010, 02:16 PM

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QUOTE(chemistry @ Dec 22 2010, 12:13 PM)
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
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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
kei18kun
post Dec 22 2010, 02:22 PM

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kind of dangerous for mesra card to be so simple to use just by swiping the card at the machine. will not collect so many points just in case i drop it and didn't realise it

abt the insurance coverage for plane tickets, does it cover only me and my family members such as what? parents/siblings/kids? or just anyone i buy tickets for?
kei18kun
post Dec 22 2010, 02:32 PM

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its not voucher anymore, just need to swipe at the machine for instant petrol redemption, of cos i won't be able to collect much points anyway tongue.gif
just a reminder just redeem a.s.a.p loh...don't collect few thousand then lost the card and other people use it

i just redeem RM10 petrol last week utilising 1000 point


Added on December 22, 2010, 2:33 pm
QUOTE(ronnie @ Dec 22 2010, 02:30 PM)
1 Mesra point = RM1 worth of Petrol lah...
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funny they gv 26 points for RM50 petrol


Added on December 22, 2010, 2:59 pmany t&c to get the smartag from hlb or cimb?

This post has been edited by kei18kun: Dec 22 2010, 02:59 PM
kei18kun
post Dec 22 2010, 05:23 PM

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oklah, but still they charge GST, plus no extra benefit, don't recommend it at all
kei18kun
post Dec 23 2010, 06:16 AM

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any t&c to get the smartag from hlb or cimb?

abt the insurance coverage for plane tickets, does it cover only me and my family members such as what? parents/siblings/kids? or just anyone i buy tickets for?


Added on December 23, 2010, 6:17 am
QUOTE(staind @ Dec 22 2010, 11:55 PM)
Off topic.
Persistence85, seems like you are in the headline.click here
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just be careful when dealing with these kind of ppl...sadly kena b4 cry.gif

This post has been edited by kei18kun: Dec 23 2010, 06:17 AM
kei18kun
post Dec 23 2010, 11:50 AM

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any t&c to get the smartag from hlb or cimb?
kei18kun
post Dec 23 2010, 12:50 PM

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QUOTE(erry- @ Dec 23 2010, 12:00 PM)
yes.

hsbc amanah fixed rm5.
normal hsbc min rm50, max rm70.
mbb 1% min rm5, max rm50, which1 higher.

notworthy.gif


Added on December 23, 2010, 12:04 pmfor hlb, i think the promo is end already, somewhere around 30/11/2010 sweat.gif

cimb - free smart tag if swipe rm5k combined on visa t-n-g and mc petronas between 11/10-31/12

http://www.cimbbank.com.my/images/st_q2g_700.png
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lol, too late for it already, next time then. since there is no way i can swipe 5k in 1 week left

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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can repeatingly win RM30? since its every minute, sounds great like christmas gift thumbup.gif


Added on December 23, 2010, 12:52 pmthis morning just won RM200 from 2good2betrue from CIMB. great!

This post has been edited by kei18kun: Dec 23 2010, 12:52 PM
kei18kun
post Dec 23 2010, 02:02 PM

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or alliance/hlb essential/RM100 from PBB...the list go on

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