extend to 30/6 already.

some1 post already before

go to cimb website, click on all promotions >> then credit cards >> sunday rebates

or just click here - http://www.cimbbank.com.my/index.php?ch=43...k&tpt=cimb_bank

either way, continue or cancel, u still need to pay rm50 (gst or penalty).

besides, if u want to do BT to amex, it have minimum amount to proceed.
is the remaining balance of the 2 months qualified?

u go shop at tesco & giant every sunday, get 5% rebate.

1 month max rebate rm50. so u still have 4 months, which u can get max rm200.

take rm50 from that, then choose to pay penalty or gst

This post has been edited by erry-: Jan 3 2011, 11:41 PM

foong_14, 1st u said u want to cancel DA coz no purpose for using da anymore and already get amex. now want to continue (gst)? but its up2u

alliance dont show it on the website. the ads is printed and given together with billing statement for current card holder only

yes.

not only that. starbucks also had been excluded

citibank should be 1 of the 2. coz its have annual fee (except for choice)

but then, choice rewards is only applicable for block of rm50. swipe rm49.90 wont get anything!

uob and cimb, both free for life (uob with condition). and u need to ask urself which card u nee the features most.

example, if u shop at tesco/giant on sunday only, then stay with cimb (5%).

if u pump at bhp then stay with uob (2%) - assume u on uob one card.

so its up2

yes. posted at their website too ~

i prefer free for life, or auto free waiver with condition (example 36x swipe/year), rather than need to ask for waiver

keep at least 1 MC & 1 Visa. bcoz they have their own advantages and promo sometimes.

me - 2 visa, 1 amex, 1 mc

my cards: DA, Maybank, HSBC

DA - increased CL 4x within 8 years. also free from gold to plat.

HSBC - increased CL 2x within 3 years.

both cards really high spending
but full paymet

MBB - never increased CL. but then, this card previously use for monthly payment of vacation club (and swipe sometimes, statement around rm500 only). now not using it anymore. statement balance = RM0

will terminate it this year before renewal date.

CL is depends on bank.

even if u apply using currect plat card the bank still have the right to not give the same high CL.

apply with ur payslip, so bank can see how much they can give u CL. usually 2.5x.

me - DA give 2.2x, HSBC 1.2x only, while MBB & PBB equal to my salary (or can i say less? ).
all plat card except PBB, gold (coz esso/mobil dont have plat card ~).
but its ok. enough CL already.

regarding easy payment plan, all card provide this service.

the diff is only their 1 time charges.

example PBB is FREE for 6 months, 1.5% for 12 months, 5% for 24 months.

while CIMB/DA is FREE 10 months for education, hospital and insurance only.
others than those 3 are 2% for 10 months, 4% for 20 months, 5% for 30 months.

Alliance FREE for 6 & 12 months (promo till 28/2).

AMBG FREE for 6 & 12 months (promo till 31/3).

and so on...

This post has been edited by erry-: Jan 4 2011, 11:02 AM

ur DA is gold or plat? and the SCB is plat?

if i'm not mistaken, SCB min salary for plat is the lowest in the market (even classic & gold req are same?) ~

my fren have SCB plat but my gold card have higher CL

but then, whats the use of high CL if not paying in full amount? high interest charges too?

This post has been edited by erry-: Jan 4 2011, 11:10 AM

cust that always pay full amount also want to keep calling? even already told at oversea?

i missed my DA due date also few years back. no call from them (that time still Southern Bank) then paid in full, and no charges at all

if SCB give card free for life (even with condition), i might consider

my experience with ambg, that time they only give free 3 years, so i request to cancel, but they begging me dont cancel and will give more CL.
i like LOL. i dont want more CL but need to pay for annual fee!

and now ambg already give cards free for life (with and also without condition)

yeah!

but, still have people who willing to pay rm1k for the annual fee
thats why bank still charge the annual fee

lazy to do this.
besides, its not guarantee.
so better use guarantee free for life card (either with or without conditions).

the promo is called - pay 1 year annual fee and get free another year! haha

but by next year they will offer same promo again

good coz u cut it already ~

if i'm not succeed, u pay for me ok?

so u call before the annual fee appear on the statement? or after?

sorry i dont have experience call-for-free_annual_fee

my experience is just i want to cancel mbb last year 2010, but they offer me another 3 years free annual fee + 10k tp to offset the gst, no increased cl ~ so i just accept it (but plan to terminate it this year 2011).

---

Added on January 4, 2011, 11:54 amwondering why mbb normal plat got annual fee but petronas plat dont. is petronas pay to mbb?

(same goes to classic & gold card)

luckily mbb give me free another 3 years with black&white




This post has been edited by erry-: Jan 4 2011, 11:54 AM

j-card not only give 10% for starbucks, but also discount for many other shops too.

its a great card actually. and aeon do offer credit card + j-card too. lazy to apply. another gst rm50? no!

just use normal j-card rm12/year + free supp card. can consider it as parking fee @ jusco

---

Added on January 4, 2011, 12:04 pmput card in wallet for display? rm50 gst/year? no way!


This post has been edited by erry-: Jan 4 2011, 12:04 PM

my hsbc statement never shows the interest rate. i thought bcoz i'm always paying in full amount.
but my mbb statement shows the interest rate even i'm paying in full amount.

but then my sis-in-law also using hsbc and not paying full, same like me, there is no interest rate shows in the statement, even she got interest charges on outstanding

u dont read the t&c? dont be lazy

On-going installment payment, and any other fees howsoever called, including but not limited to annual fees, Cash Advance fees, Cash Advance, Balance Transfers, Debit Card, Interest and late fees are not eligible for this Promotion.

maybank as far as i know most of their atm will be out of service from 12am to 6am since long time ago already

This post has been edited by erry-: Jan 4 2011, 02:03 PM

err... meaning