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 Credit Card v13

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alexwsk
post Jan 11 2011, 12:14 PM

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QUOTE(prempenang @ Jan 11 2011, 11:06 AM)
6 months only?

i have been keeping my statement from 1999

its it safe to dispose the old statements? later bank say never pay back in  yr 2000

???????????????????
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as long as the current statement is continuation from the previous statement, there's no need even to keep the previous statement
siutimtim
post Jan 11 2011, 12:28 PM

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QUOTE(alexwsk @ Jan 11 2011, 12:14 PM)
as long as the current statement is continuation from the previous statement, there's no need even to keep the previous statement
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do you guys know whether the gsc buy 1 free 1 promotion valid for visa signature only or also apply to visa infinite and other cimb visa cards leee
chemistry
post Jan 11 2011, 01:23 PM

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QUOTE(siutimtim @ Jan 11 2011, 12:28 PM)
do you guys know whether the gsc buy 1 free 1 promotion valid for visa signature only or also apply to visa infinite and other cimb visa cards leee
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Strictly say, that is not a buy1free1 promo but 'a complimentary movie ticket' no matter how many tickets purchased.

Visa Signature/infinite/Platinum cardmembers are entitled to this promo. V.Signature cardmembers can buy ticket of any class and still get free ticket of the same class; but Infinite/Plat can only buy normal class tickets and get 1 free normal class ticket.
siutimtim
post Jan 11 2011, 01:27 PM

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QUOTE(chemistry @ Jan 11 2011, 01:23 PM)
Strictly say, that is not a buy1free1 promo but 'a complimentary movie ticket' no matter how many tickets purchased.

Visa Signature/infinite/Platinum cardmembers are entitled to this promo. V.Signature cardmembers can buy ticket of any class and still get free ticket of the same class; but Infinite/Plat can only buy normal class tickets and get 1 free normal class ticket.
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why cimb or direct access website no show this promotion one le... infinite got higher class than signature y same promo like plat one.. haha
chemistry
post Jan 11 2011, 01:28 PM

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QUOTE(erry- @ Jan 11 2011, 03:27 AM)
2x if swipe oversea, not local whistling.gif

in comparison, amex gold give 2x to 5x for local spend laugh.gif
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yup, i meant Overseas Spending, otherwise I won't compare it with SCB.


Added on January 11, 2011, 1:38 pm
QUOTE(WhiteWing @ Jan 11 2011, 09:37 AM)
No problem chemistry,your 1 word alr knock my head and gave me the knowledge smile.gif
Got 7 card now sweat.gif , I must terminate someee, ROARR !
Yeah,I do note the early settlement penalty,I won't really go it since charge RM 100 shakehead.gif , according to him is like this but I don't know my dad word are trustworthy or not  doh.gif , you know leh .. son and dad relationship .. of course dad will take his son advantage and son cannot really voice up so much. True,by 4th or 5th can settle it by full,better keep some balance inside. Haha ..

Abit updates, just called up HLB and ask them to do the balance transfer from my HLB CC to my HLB personal saving acc,been approved. So easy approve one laugh.gif , its will take at least 3 workings day to get into my saving account , last time only need 1 day. Now need 3 days.  sweat.gif
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To avoid early exit fee, you just need to leave certain month's of minimum payment in your account.

for example, you signed up a BT of RM6k, tenure 3 months , 0.6% monthly. Your minimum payment is therefore 6000*0.6%=36, but you must pay RM50 as minimum. If you immediately cover HLB's BT using another BT, you must keep 3 months' minimum payment ie. RM150 in the account to avoid early exit fee. That means, you can only BT (6000-150=5850) to another bank.


Added on January 11, 2011, 1:44 pm
QUOTE(siutimtim @ Jan 11 2011, 01:27 PM)
why cimb or direct access website no show this promotion one le... infinite got higher class than signature y same promo like plat one.. haha
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No idea. Don't know what's in their mind.
People who fulfill income requirement of VS do not bother about these benefits, I think.

This post has been edited by chemistry: Jan 11 2011, 01:44 PM
WhiteWing
post Jan 11 2011, 01:52 PM

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Already full of commitment,cannot afford to pay another one. Now have to fork out RM50 to pay the GST first for newly approved card.
chemistry
post Jan 11 2011, 02:04 PM

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QUOTE(WhiteWing @ Jan 11 2011, 01:52 PM)
Already full of commitment,cannot afford to pay another one. Now have to fork out RM50 to pay the GST first for newly approved card.
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You are not paying extra but just transfer your debt in HLB to another bank to save interest. After doing BT frm HLB to another bank (must offer 0% BT), you don't owe HLB anymore but owe the new bank.
Unless all your cards' CL cannot contain the new BT.
WhiteWing
post Jan 11 2011, 02:17 PM

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QUOTE(chemistry @ Jan 11 2011, 02:04 PM)
You are not paying extra but just transfer your debt in HLB to another bank to save interest. After doing BT frm HLB to another bank (must offer 0% BT), you don't owe HLB anymore but owe the new bank.
Unless all your cards' CL cannot contain the new BT.
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Others card cannot touch ph34r.gif , got installment plan inside =/. * looking into my wallet now,still got UOB,PBB,EON,SCB,CIMB, in my wallet. ALl also got 3k++ available balance. Let me check website first * biggrin.gif

This post has been edited by WhiteWing: Jan 11 2011, 02:20 PM
WhiteWing
post Jan 11 2011, 02:25 PM

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CIMB offer 0% BT for 6 months and 1% BT for 12 months. Seem CIMB is my choice to transfer out the money hmm.gif , is it correct Chemistry ?
chemistry
post Jan 11 2011, 02:47 PM

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QUOTE(WhiteWing @ Jan 11 2011, 02:25 PM)
CIMB offer 0% BT for 6 months and 1% BT for 12 months. Seem CIMB is my choice to transfer out the money  hmm.gif , is it correct Chemistry ?
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Yup, when your hlb BT is approved is viewable in HLB Online, printscreen & use it as your proof of outstanding amount.

I am just suggesting one of many solutions. Pls consult financial expert for better advice.
WhiteWing
post Jan 11 2011, 02:59 PM

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QUOTE(chemistry @ Jan 11 2011, 02:47 PM)
Yup, when your hlb BT is approved is viewable in HLB Online, printscreen & use it as your proof of outstanding amount.

I am just suggesting one of many solutions. Pls consult financial expert for better advice.
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I don't have access on HLB Online blush.gif
erry-
post Jan 11 2011, 03:01 PM

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QUOTE(lucas_podolski @ Jan 11 2011, 10:50 AM)
Hi is that possible to apply Maybank Credit card through email?
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afaik, cannot. u need to download the pdf form, print, fill up, then mail/fax to them.

QUOTE(PPZ @ Jan 11 2011, 11:52 AM)
i want to ask if i want to apply for AMEX, do i must have a Maybank account?
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no need. but almost all amex user have maybank acc.

QUOTE(siutimtim @ Jan 11 2011, 01:27 PM)
why cimb or direct access website no show this promotion one le... infinite got higher class than signature y same promo like plat one.. haha
*
last year got. this year maybe the promo staff not finish editing the file yet sweat.gif

QUOTE(WhiteWing @ Jan 11 2011, 02:25 PM)
CIMB offer 0% BT for 6 months and 1% BT for 12 months. Seem CIMB is my choice to transfer out the money  hmm.gif , is it correct Chemistry ?
*
maybank (and amex too) offer 0% BT for 12 months notworthy.gif





WhiteWing
post Jan 11 2011, 03:03 PM

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QUOTE(erry- @ Jan 11 2011, 03:01 PM)
maybank (and amex too) offer 0% BT for 12 months notworthy.gif
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Maybank rejected me when I apply their card vmad.gif vmad.gif
erry-
post Jan 11 2011, 03:06 PM

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QUOTE(WhiteWing @ Jan 11 2011, 03:03 PM)
Maybank rejected me when I apply their card vmad.gif  vmad.gif
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wah? u submit using current cc? try to apply with supporting docs? go try amex gold credit?

but then, ocbc also reject my application for titanium mc - twice ~
1st time with current cc, 2nd time with all supporting docs sweat.gif

wish DA will come out with 5% rebate at all petrol! haha laugh.gif

ronnie
post Jan 11 2011, 03:09 PM

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QUOTE(erry- @ Jan 11 2011, 03:06 PM)
wish DA will come out with 5% rebate at all petrol! haha laugh.gif
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We wish DA to offer 6% cash back on Petrol + Grocery + Utility + Dining (no max cap)
erry-
post Jan 11 2011, 03:12 PM

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QUOTE(ronnie @ Jan 11 2011, 03:09 PM)
We wish DA to offer 6% cash back on Petrol + Grocery + Utility + Dining (no max cap)
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wow! 6% biggrin.gif

no max cap seems a little bit imposibble. later all will pump petrol and keep stock. lol! laugh.gif

maybe cap at each category - petrol, groceries, utility, dining ~

brows.gif
WhiteWing
post Jan 11 2011, 03:21 PM

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QUOTE(erry- @ Jan 11 2011, 03:06 PM)
wah? u submit using current cc? try to apply with supporting docs? go try amex gold credit?

but then, ocbc also reject my application for titanium mc - twice ~
1st time with current cc, 2nd time with all supporting docs sweat.gif

wish DA will come out with 5% rebate at all petrol! haha laugh.gif
*
Haha , don't really care maybank. 1 of the bank that I don't like ... rolleyes.gif
HaoYuan
post Jan 11 2011, 04:16 PM

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Hey i wondering how long for citibank to approve clear card ?
dopp
post Jan 11 2011, 04:26 PM

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Yea, but seriously... who actually pay the annual fees..
They are all waive anyway...

QUOTE(erry- @ Jan 10 2011, 03:22 PM)
if in big shopping mall, yes, common already.

...and dont forget, 2nd year onwards, annual fee is rm600! sweat.gif
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HaoYuan
post Jan 11 2011, 04:28 PM

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QUOTE(HaoYuan @ Jan 11 2011, 04:16 PM)
Hey i wondering how long for citibank to approve clear card ?
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no people reply me one

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