currently yes.

before, scb also got - justone titanium (but not offering anymore).

2x if swipe oversea, not local

in comparison, amex gold give 2x to 5x for local spend

afaik, cannot. u need to download the pdf form, print, fill up, then mail/fax to them.

no need. but almost all amex user have maybank acc.

last year got. this year maybe the promo staff not finish editing the file yet

maybank (and amex too) offer 0% BT for 12 months

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

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

wow! 6%

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

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

really? all waive anyway?

dont think so

as long as not free for life or free with condition (such as 36 swipe/year or spend rm30k/year), then its not guarantee waived!

This post has been edited by erry-: Jan 11 2011, 04:51 PM

well, seems almost all ur card can get free for life with condition such as pbb, alliance, eon, citibank (assume its choice) and hlb.

also cards that are really free for life without condition such as ambg, mbb amex, and cimb.

others, usually need to call to waived.
unless, they already make it free for life for u.

my mbb (not petronas) free for life with no condition (should have annual fee).
my hsbc also free for life with no condition (should swipe 12x/year).

This post has been edited by erry-: Jan 11 2011, 05:14 PM

thats why. go call bank is faster than ask here

usually bank only called to verify transaction, and this procedure not even asking for ur credit card number.

and afaik, bank never call people to offer credit card?



This post has been edited by erry-: Jan 11 2011, 06:18 PM

ok removed the number already in my previous post.

btw, the number shows up in our screen sometimes is not real.

like ambank case, they never call their cust, but their helpline number is being used by scammer to call people

This post has been edited by erry-: Jan 11 2011, 06:22 PM

VI have more benefits than VS on dining and golf.

but it depends where u go/spend more, then up2u to choose.

like David83 mention, VI requirement is 2x than VS.


This post has been edited by erry-: Jan 11 2011, 11:37 PM

never heard DA give points to offset gst? any1 here?

so no 1 here ask DA to waived their gst right? including me. hehe.

same

other bank offer access to plaza lounge for plat, no need signature

consider shop at tesco rm200/month on sunday, can get back rm10/month.
so 1 year can get back rm120. take it to cover gst. still get profit rm70

this:and me, i had transaction appear online 12 days later. but my limit yes decreased (cimbclicks).

ur OCBC use for petrol la ~

its not DA fast, but it depends on the merchant (same bank merchant or when do they claim from the bank).

once approved, gst charged, there is no way to cancel. just use the card, get as much rebate to cover the gst back, and cancel it on 11th month.

This post has been edited by erry-: Jan 12 2011, 12:30 AM

u not received statement bcoz u didnt swipe the card.
thats why bank dont send any statement, untill got govt tax rm50 imposed on june 2010, then there u have a statement on august 2010.

try to appeal to waived the gst and cancel the card.
if unsuccessful, just pay that rm50 and cancel the card. make sure this time confirm cancel.
its better to go to bank to cancel, and the bank officer cut the card in front of ur eyes.

then try to get rm50 (or more) from other cards rebates (to cover that rm50).

This post has been edited by erry-: Jan 12 2011, 03:28 PM

when u have credit card, look at statement date, due date and statement balance.

i give u my hsbc bill, statement date is 28/12/2010 and due date is 17/01/2011.

so, statement date 28/12/2011 are usually swipes 1 month before (29/11/2010 till 28/12/2010), and i must pay it by 17/01/2011.
my statement balance is rm13,531.96

meanwhile, between 29/12/2010 till today, i already swipe rm3,671.94 (called as current/unbilled/recent transaction).

here, if i want 20 days interest-free period,
i must pay rm13,531.96 (full statement balance) on 17/01/2011!
so my current rm3,671.94 wont be charged with interest ~
this is what its mean with 20 days interest-free period (28/12/2010 - 17/01/2011 wont be charged with interest).

but like Gen-X mentioned, its actually more than 20 days.
let say i swipe rm3,000 on 29/12/2001, it will be billed on 28/01/2011, and i need to pay it on 17/02/2011.
if calculated exactly, its 51 days~

the bank officer should tell u in easy word, which is:
pay statement balance (NOT minimum balance) on due date and u wont be charged with any interest

full statement balance ok! like my statement, must pay exactly 96 cents (at the back) or just pay extra such as rm13,540 (if using CDM).
if i pay rm13,530 and leave even just rm1.96, that rm1.96 and my current rm3,671.94, plus any swipe before 28/1/2011 all will have interest!



This post has been edited by erry-: Jan 12 2011, 05:02 PM

depends on bank, some bank like hsbc, u pay more, it will deduct the installment. some other bank, it will deduct unbilled / recent transaction.

HSBC will deduct the installment, while CIMB & DA will deduct recent transaction and will increased CL.

what stupid system? that is their system, their right
have u fully read their t&c before using installment?

and, why need to pay more than statement balance? usually 'that more' is below rm10 if using CDM?
want to increase CL to swipe again? well, HSBC wont work like that ~

HSBC, if have installment, the best is pay full statement balance. no need to pay for ur unbilled / recent transaction.
paying unbilled transaction wont increase CL. just wait for the next statement.

not all bank. HSBC yes, but DA & CIMB not (refer my reply to PPZ above).

again, if HSBC, yes will deduct the installment.

but CIMB/DA will deduct recent transaction and will increased CL.



This post has been edited by erry-: Jan 12 2011, 08:15 PM

ur welcome ~

installment plan amount will be included in the statement balance.
as long as u pay full amount of statement balance by due date, ur installment balance wont be charged with interest

This post has been edited by erry-: Jan 12 2011, 08:22 PM