Don't be so lazy, go read previous posts, that's why don't spam so got less page to read. hahahahaha

Well other banks giving 0% BT for 12 months are Maybank, AMbank and Alliance.

This post has been edited by Gen-X: Dec 29 2010, 02:07 AM

hahaha, you are right, AMbank not giving 0% for 12 months, my bad MBB and Alliance yes. And yes confirm Alliance got 12 months 0% BT, not in their website but in phamplet together with statement.

And by the way, on your earlier post on MBB 3 months 0% no more applicable.

This post has been edited by Gen-X: Dec 29 2010, 02:20 AM

I did post on 18th Dec 2010 Psot #618 at page 31 Click here, a table inrespect to RHB rate for my SG transactions, but that time this thread was like kopitiam so I guess you missed it.

You can read more about MBB Visa vs DAWMC vs OCBC MC vs RHB Visa vs UOB Visa at my blog:
http://creditcardsmalaysia.blogspot.com/

how come no free annual fees waiver? Are you sure you have to pay for the cards? If yes, there are so many card outs there which are free at least for the first year.

My Dad just applied a HLB Plat card last week to help out a branch staff to meet her quota and was told if he charge twice in the first month the GST will be waived. Also he got a booth organizer.

received the sms too but in the same sms it also states to look out for new offers. So I guess they will better the offer compared to this year.

Happy New Year guys!

This post has been edited by Gen-X: Dec 31 2010, 11:51 PM

I just checked out OCBC website and they waive GST for all type of cards as long as principal and supp cards spend RM10K and RM5K per year respectively.

For Alliance card members who shop at Subang Parade, spend RM88 and you will get 1 packet ang pow + 1 lucky draw entry + 1 Alliance Mug. I hope Alliance will continue to give free gifts at Subang Parade from now.

This post has been edited by Gen-X: Jan 2 2011, 12:54 AM

Well according to the website it looks like it is separate.

to be exact, as hye mentioned, payments must be made before due date to avoid interest. If payment made between due date and statement date then interest will be imposed and reflected in the next statement.

Why so susah so many options? Just charge the insurance to CIMB card and then opt for Smart i-Pay Plan where you get 10 equal installements 0% interest and no handling fees.

I can confirm that DA was not giving 2% as early as 2002 or 2003. I was using my AMEX Charged Card for many years as it gives points at petrol stations whereas CC no points. Started pumping with DA when they gave offer free watch which I did get one and then continue with DA when they offered 2% for petrol. Switch to AMEX Gold CC in Aug 2009 and since October 2010 using OCBC Titanium.

Yah, CIMB the best, separate statement for BT. Too bad they did not match MBB 12 months offer.

if one cannot pay the BT to Titanum card it also means he also cannot pay even if he did not do the BT. Better he don't use CC anymore until settle his/her debts.

Firstly, when is your anniversary date. If you not sure go check your statement. If your installement ends before your anniversary date then there is no benefit of you cancelling the card now and miight as well continue the installemts.

Secondly, do you use credit card for other transactions besides petrol? DA does have its benefits. What other cards you holding and what card are you thiniking of getting (if any).

This post has been edited by Gen-X: Jan 3 2011, 09:53 PM

As I have informed last month, applied for a MBB Plat MC about a month ago thru the phone @ 03-58914777. Last week I was wondering why it was taking MBB so long to issue my card so call CS and was told application pending. So this Monday called back to the MBB application canter and spoke to the same girl I applied the card with. She told me my application was approved 2 weeks ago but somehow it was withdrawn (maybe they could not contact me) and she'll forward a note to her supervisor. Well yesterday got the card by courier. Pretty efficient. I normally follow up on my CC application and if I had not, today I'll still be waitng for the card. By the way, MBB increased my CL with this new card which was a surprise to me.

I guess for Premier Customers it depends how much you have with HSBC. My dad Premier MC CL is less than his HSBC Visa Plat and my HSBC Visa Plat too (I don't have any depost with HSBC).

MilesAndMore have mentioned that even if you have a Premier HSBC account, it does not mean that you will automatically qualify for their normal Visa Plat.

those who have wave feature CC, see video below

http://www.wreg.com/news/wreg-electronic-p...6726,full.story

RM200K-RM300K in deposits nowadays is not much, you can't even get a double storey terrace house in 1U area. Bangsar single storey terrace house also cannot get.

There is a big difference between a person having annual income of RM200K vs a person having only RM300K in deposit and no regular income. The thing is when one deposit RM250K to RM300K, the amount is not pledge towards CC CL.

read my post in my blog below where I did do a comparison between different cards for SG transactions:
http://creditcardsmalaysia.blogspot.com/

MBB generally give lower conversion rate. If you do travel overseas frequently, recommend you apply MBB Plat MC where it gives 2X Treat Points (Petronas Plat 1X only).

How long did it take MBB/AMEX to approve your BT application and make payment to AMBank?

I know for a fact that CIMB / Direct Access Balance Transfer program vert efficient, within 7 working days approve and payment will be made 2-3 days after approval. Since I have no idea how long MBB takes to approve BT application, not willing to take the risk and do 12 months BT even they are offering 0%.

And as for the grace period, all banks are to give 3 days grace period as it is a BNM ruling.

Call Customer Service and ask for CL increase, and they will tell you waht to do. As for how to buy RM4K with RM3K CL, well simple maths - use both cards i.e.split the purchase into 2 transactions and you can buy up to RM6K As for RM10 to et GST waiver, well that's for a year lah, everymonth charge RM1K also enough lah.


Since you have only EON GSC and HSBC Amanah, I would recommend you go with AMEX Credit Card instead of PBB Esso Mobil. Why I say so is because you will also get 5X reward ponts for Utilities (DiGi, Maxis & CElcom) and Groceries besides Petrol.


No, they instead give you free gift. Better go for other cards BT with 0%.

School not yet start? Do you have HLB CC, if yes ask call them and ask them to transfer RM2K into your savings account for 6 months program where interest is only 0.5% per month. EON bank also have this thing call Cash On Call where interest 4.99% ofr 6 months. Save you hell a lot more than taking cash from ATM.

This post has been edited by Gen-X: Jan 10 2011, 10:01 PM

I remember you have like 5 cards approved recently that's why asked you to look into either HLB or EON.

As mentioned by chemistry, HLB "BT" is calculated on daily basis, so earlier you pay back you save on interest. However do take note that you will be imposed a penalty if settle in full before the program period. You can go for 3 months where interest 0.4%. If you go for 6 months and your dad pays you back RM600 for the next few months, then by the 4th-5th months you can settle it full but you should not, instead leave a balance of like RM100 for the 5th month and maintain RM10 in the 6th month. Nearing the 6th month check when is the exact day the plan expire (it does not expire on same day as Statement Date) and then pay on that day or the next.


CIMB Visa Signature benefit free tickets at GSC and free annual fees for life. Other than that go for CIMB Visa Infinte got same benefit and more (golf and dinning), If you ask me CIMB/ Direct Acccess World Master Card better benefits.

Comparing to EON Visa Signature, EON better as you get 1.5X points local spending, 2X overseas plus 1% cash back for overseas spending and you get Priority Pass.

On yes, CIMB/DA Eraman 15% discount extended for VI and WMC

7 working days reasonable for approval.

To all:
Anyway, I just posted a new write up on what's new for 2011 at my blog at http://creditcardsmalaysia.blogspot.com/

nothing much that have not been mentioned in this thread but did come across Alliance Flexi Payment Plan where they offering 0% installement for 6 and 12 months plan which have been extened to Feb 2011. Very good deal if you got Alliance as get cash back plus points and 0% installements for retail transactions.

This post has been edited by Gen-X: Jan 11 2011, 10:46 AM

If you have cancelled your card since 2008, did you not get statements between 2008 and Aug 2010? If you have, then I say it was your fault that you did not follow up on the cancellation.

Next time always follow up with a call to check what is in their system.

If you do not make payment, well the amount would be showing in HLB system and wonder if it will show up in CCRIS report which is not good.

To say that they cannot reverse the RM50 is not entirely true, Citibank did reverse my charges after GST was charged and then only I cancel my card.

Write another appeal letter stating why they should waive the GST and if they still not willing, IMHO, just pay the RM50 and move on and use your time and evergy on something else.

as for the 20 days interest free, it goes like this

1. Every month the bank wil on a specific date (called Statement Date) issue you a statement informing you of you account status. And usually you need to make payment before the 20th day (Due Date) after this said Statement Date. For example:

Your Statement Date is on the 8th of every month. Therefore payment is due on or before 28th of that particular month. No interest will be imposed if you make payment before or on the Due Date. That's why they say 20 days interest free.

Actually you can enjoy more than 20 days interest free. Once again will take 8th of every Janaury 2011 to be your Statement Date. Now you go make a purchase on the 10th of January which is pass your Statement Date and this transaction amount will only be shown in the 8th of February 2011 Statement Date and payment due on 28th February 2011. That means you actually got yourself more than 40 days interest free on your purchase if you pay in full on or before 28th Feb 2011.

To read more on credit card, click on my signature below - Intro to CC101

that CIMB guy is stupid for a bank officer (to be an officer nowadays one need a degree). Just pay in full whatever amount that is stated in the Statement before the Due Date and you won't be imposed a single sen of interest.