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 Credit Card v13

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yhtan
post Dec 13 2010, 09:59 PM

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QUOTE(MilesAndMore @ Dec 13 2010, 06:07 PM)
It's for DiGi.

[attachmentid=1936446]
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u misinterpret the meaning behind it

tax - enforce by government
charge - widely use on business

service tax of 5% is enforce by government for those who provide professional services, therefore telco services is subject to that 5% tax, Read here

Example:-
Iphone RM1999 spread to 24 months = RM83.30 (No service tax on this)
Plan package each month RM63 plus 5% service tax = RM66.15
wongpeter
post Dec 13 2010, 10:00 PM

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QUOTE(leozai @ Dec 13 2010, 11:04 AM)
lol... u apply by document or 1yrs old CC??? XD i'm applying for SCB CC also... coz saw kinda many discount & promo for SCB card...XD... applied last wed... hope to get it asap... den go enjoy da jogoya rm1 for 2nd diner~~^^
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faster apply scb card.... can win Apple iPad. rclxms.gif
Shinichi
post Dec 13 2010, 10:01 PM

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QUOTE(Phelddagriff @ Dec 13 2010, 04:59 PM)
Jusco Supermarket One Utama gave me the 5x points.
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I bought sports equipment from Jusco Queensbay and got 5x points too...
erry-
post Dec 13 2010, 10:03 PM

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which SUPP plat card can get free access to airport lounge besides rhb?

This post has been edited by erry-: Dec 13 2010, 10:03 PM
charymsylyn
post Dec 13 2010, 10:04 PM

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QUOTE(MilesAndMore @ Dec 13 2010, 06:07 PM)
It's for DiGi.

[attachmentid=1936446]
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Sales tax is not charged on the phone portion for Digi iPhone EPP, only on the monthly charges portion.
yhtan
post Dec 13 2010, 10:04 PM

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QUOTE(Gen-X @ Dec 13 2010, 09:56 PM)
for DiGi iPhone, well I sign up for the 24 months plan earlier this year for the iPhone 3GS where the amount is charged to my DA. The iPhone is used mainly for internet and calls never exceed the allocated minutes. Then few months back was at DiGi and I asked the can I sign up auto debit for my iPhone account eventho the bill is RM0 (since I know that I get RM5 discount for my BB RM58 plan) and was informed sure. So signed up for auto debit with my AMEX Gold CC and now the iphone account has more RM26 credit thumbup.gif   

yah, EPP and other installement plans kind make us spend more and buy stuff we would otherwise cannot afford. I have mentioned before, sometimes we get discount if we were to swipe in full instead of going for EP with merchant. Last year Harvey Norman gave me RM100 discount for a HP tablet and more than RM300 for a cloth dryer on condition I don't do 0% installements with them. Was also given discount for furniture shop at Subang Parade if don't go for installments.  
just sharing on the cash on call thingy. I just checked EON bank's cash on call. Pretty good if need cash, with the 1% cash back the interest is 3.99% for 12 months as mentioned by the telemarketer. The rate is even lower than my OD facilities. I can even make some money out of it - only if I can still get FD  with interest paying 5%. Or if want to buy car and just need loan for 1 year tenure, this may be an option as car loans minimum tenure 3 years.
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I love Digi plan because of the data plan, no charges after u exceed the quota, Maxis on the other hand tend to charge those who exceed the data limit, a lot of my friend kena few hundred because of Maxis stupid policy

they have to pay a certain rate of charges to Bank on the EPP they provide, bank will never do "rugi" business laugh.gif

This post has been edited by yhtan: Dec 13 2010, 10:05 PM
chemistry
post Dec 13 2010, 10:05 PM

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QUOTE(Gen-X @ Dec 13 2010, 09:56 PM)

for fusion food with Japanese flavour, Pasta Zamai cheaper. I just love the garlic fried rice with chicken.
Ok so far I have got following by using MC, note must be a single swipe:

(1) Subang Parade - RM100 gets you 2 pop up christmas greetings card. Also qualify you for lucky draw.
(2) Pavillion RM500 gets you a small pouch, good for ladies to keep make up I suppose. [EON bank CC - RM300 get you a better gift, my EON card still not in my hands so didn't get anything from EON. CIMB giving hampers].
(3) Midvalley - RM250 get 1 token for 5 hours carpark. RM400 2 tokens get a mug. Applies to any HSBC too.
1U - nothing with MC and yesterday free calendar already finished for that day and it wasn't even noon time.
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Add this:

Tropicana Mall: Spend RM80 using MC and get a mug.
winner
post Dec 13 2010, 10:06 PM

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QUOTE(erry- @ Dec 13 2010, 10:03 PM)
which SUPP plat card can get free access to airport lounge besides rhb?
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Amex Platinum Charge Card and Amex Platinum Credit Card.
erry-
post Dec 13 2010, 10:09 PM

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QUOTE(winner @ Dec 13 2010, 10:06 PM)
Amex Platinum Charge Card and Amex Platinum Credit Card.
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thanks. alliance supp cannot?

btw, show the plat card and only 1 can enter right? or 2?
if 1, planning to get supp card for my wife to enter the lounge too
SUSrockefeller
post Dec 13 2010, 10:09 PM

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QUOTE(chemistry @ Dec 13 2010, 09:38 PM)
I was saying the Isetan in The Gardens.  biggrin.gif
Platinum cardmembers just need to produce any Platinum card to the "staff" there and get to enter FOC. thumbup.gif
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serious?
Gen-X
post Dec 13 2010, 10:22 PM

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QUOTE(rockefeller @ Dec 13 2010, 10:09 PM)
serious?
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yes, at Ground Floor. But if you have Isetan or Robinson card also can.
TSMilesAndMore
post Dec 13 2010, 10:52 PM

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QUOTE(yhtan @ Dec 13 2010, 09:59 PM)
u misinterpret the meaning behind it

tax - enforce by government
charge - widely use on business

Iphone RM1999 spread to 24 months = RM83.30 (No service tax on this)
Plan package each month RM63 plus 5% service tax = RM66.15
QUOTE(charymsylyn @ Dec 13 2010, 10:04 PM)
Sales tax is not charged on the phone portion for Digi iPhone EPP, only on the monthly charges portion.
Argh ... my bad. When i saw "EPP 24 months: includes the iPhone + 24 months monthly fee + 5% service tax, over 24 months" in their T&C, i just assume they will tax the iPhone EPP too.


QUOTE(chemistry @ Dec 13 2010, 09:48 PM)
The interior design is excellent. Gentle lightings, soft music, premium facial care products, everything top class. brows.gif Feel like not gonna leave the washroom tongue.gif
I think the redesigned restroom at KLIA main terminal building is fancier. There is no branded toiletries though sweat.gif


QUOTE(erry- @ Dec 13 2010, 09:50 PM)
1st page, at 3. Credit Card linked to Petrol Giants

change to linked to Petrol only? biggrin.gif

i think, should add them too:

OCBC Titanium - all petrol station 5%
RHB Travel Money - all petrol station 2% (1st weekend 5%)
CIMB Direct Access Mastercard - all petrol station 2%
AMBG Carz - all petrol station 2% (3% if got outstanding for gold, 5% for plat)

smile.gif


Added on December 13, 2010, 9:52 pmand at 12. RM50 Government Service Tax - Currently STILL IN FORCE

pls edit/add:

The service tax will be collected on the date the card is issued (except HSBC, 1 month after)
Done.

chemistry
post Dec 14 2010, 12:51 AM

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I signed up for TM Phone bill autopay and got RM4 rebate. What a great saving.

QUOTE
TAHNIAH! ANDA TELAH MENDAPAT PENJIMATAN 
- DISKAUN AUTOPAY (PAKEJ C) 4.00


Here's another message for TM fixed line users.
QUOTE
Pelanggan yang dihormati,
  Adalah dimaklumkan bahawa berkuatkuasa 1 April 2010 , Kementerian Penerangan,
  Komunikasi dan Kebudayaan telah menetapkan bahawa kadar rebet tahunan yang
  dibayar oleh semua Pembekal Perkhidmatan Talian Tetap ke atas deposit pelanggan
  ialah sebanyak 2.5%
. Oleh yang demikian, kadar tahunan baru ini akan mula
  dimasukkan di dalam bil anda untuk bulan Januari 2011.

I got RM375 cash deposit inside, that means I will get RM9.37 cashback starting from 1st Jan rclxm9.gif
jack2
post Dec 14 2010, 05:58 AM

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QUOTE(chemistry @ Dec 14 2010, 12:51 AM)
I signed up for TM Phone bill autopay and got RM4 rebate. What a great saving.
Here's another message for TM fixed line users.
You got this message from bill?
erry-
post Dec 14 2010, 06:58 AM

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QUOTE(chemistry @ Dec 14 2010, 12:51 AM)
I signed up for TM Phone bill autopay and got RM4 rebate. What a great saving.
*
only direct debit with MC. if with visa, RM2. i've done this since 2008 laugh.gif
winner
post Dec 14 2010, 07:18 AM

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QUOTE(erry- @ Dec 13 2010, 10:09 PM)
thanks. alliance supp cannot?

btw, show the plat card and only 1 can enter right? or 2?
if 1, planning to get supp card for my wife to enter the lounge too
*
Normally free access is only given to principal cardholder only.


QUOTE(erry- @ Dec 14 2010, 06:58 AM)
only direct debit with MC. if with visa, RM2. i've done this since 2008  laugh.gif
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After changing the direct debit to OCBC Titanium MC, my TM account no longer gets the monthly RM2 rebate that I enjoyed before.
Marcian
post Dec 14 2010, 08:13 AM

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QUOTE(chemistry @ Dec 14 2010, 12:51 AM)
I signed up for TM Phone bill autopay and got RM4 rebate. What a great saving.
Where do we sign up for autopay? Need to go to TM or can do it online?
Robin Liew
post Dec 14 2010, 08:13 AM

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just want to ask about OCBC titanium

i have done BT to this card for rm5k, paying min for 6 months... this is going to be my second month

since new i have not used this card because i did bt.... if i use the card, how to make payment since the BT and spending is same account? if i pay min, i am afraid they will charge interest for the purchases i swipe?
or best just dont use the card for 6 month until settle all the bt amount
SUSpersistence85
post Dec 14 2010, 09:45 AM

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QUOTE(Robin Liew @ Dec 14 2010, 08:13 AM)
just want to ask about OCBC titanium

i have done BT to this card for rm5k, paying min for 6 months... this is going to be my second month

since new i have not used this card because i did bt.... if i use the card, how to make payment since the BT and spending is same account? if i pay min, i am afraid they will charge interest for the purchases i swipe?
or best just dont use the card for 6 month until settle all the bt amount
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Settle your BT amount first fully smile.gif
chemistry
post Dec 14 2010, 10:48 AM

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QUOTE(Marcian @ Dec 14 2010, 08:13 AM)
Where do we sign up for autopay?  Need to go to TM or can do it online?
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You may sign up by dialing 100 using TM fixed line and talk to CS, or download the relevant form and return it to TM (usually by fax).

I was told by CS that subscription through phone is faster.


Added on December 14, 2010, 10:50 am
QUOTE(jack2 @ Dec 14 2010, 05:58 AM)
You got this message from bill?
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Yes it is printed in the bill.
You may also view the bill online by signing up TM ONLINE. Must use the bill owner's name to sign up.

This post has been edited by chemistry: Dec 14 2010, 10:50 AM

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