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 Credit Card v13

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chemistry
post Dec 15 2010, 09:33 PM

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QUOTE(jonuslee @ Dec 15 2010, 09:15 PM)
icic. you also have the same situation when you apply for DA?The CS call you and get verification from you?
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No, I did not receive call from DA for verification. The card has been with me for three years.
chemistry
post Dec 15 2010, 09:35 PM

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QUOTE(persistence85 @ Dec 15 2010, 09:18 PM)
They upgrade my card to Gold card in 3 months period. I won't terminate because they give the free upgrade gold card to me  tongue.gif

I will terminate it only if there is something wrong with my transaction again  smile.gif
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I remember you mentioned EON Bank credited RM50 for you to offset GST. brows.gif
chemistry
post Dec 15 2010, 09:37 PM

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QUOTE(jonuslee @ Dec 15 2010, 09:34 PM)
icic.Last time DA still under souhthern bank when you apply your DA?
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No.
Three years ago it was already under CIMB.
chemistry
post Dec 15 2010, 09:42 PM

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QUOTE(jonuslee @ Dec 15 2010, 09:39 PM)
icic. So no one call you for verification regarding your DA application. They just call you that your card has been approved, issit?
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There were no calls at all. And I was not in hurry. It just arrived at my doorstep in 5 days.
chemistry
post Dec 15 2010, 09:47 PM

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QUOTE(persistence85 @ Dec 15 2010, 09:26 PM)
You mean the PIN for online shopping? If it is, buzz them 24 hours per week until you get it.
If it is for cash advance, forget about it because you don't need the cash advance, i'd assume  tongue.gif
LOL.. your pin number is lost in space  brows.gif
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Miles bro need the PIN to register internet banking --> monitor card trxn.
chemistry
post Dec 15 2010, 09:50 PM

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QUOTE(persistence85 @ Dec 15 2010, 09:45 PM)
I guess bank won't call if they trust you and will approve instantly and they will call u to collect card after it is ready
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Not always so.
DA, Citi, HSBC, OCBC did not call me.
But SCB rang me up tongue.gif

chemistry
post Dec 15 2010, 09:53 PM

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QUOTE(persistence85 @ Dec 15 2010, 09:50 PM)
Huh? how come the PIN is needed to register internet banking? I didn't encounter this for my credit card registration for Internet Banking?
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Of course PIn number is needed.
Most internet banking first-time registration require PIN number.
How to proceed without PIN? hmm.gif
chemistry
post Dec 16 2010, 12:06 AM

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QUOTE(erry- @ Dec 15 2010, 11:57 PM)
yes correct. in my case, it automatically link smile.gif
even before i received my plat card (previously) - auto upgrade from gold, the number already there biggrin.gif
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Same here nod.gif
chemistry
post Dec 16 2010, 12:27 PM

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QUOTE(ronnie @ Dec 16 2010, 11:30 AM)
Not true as I have received RM61.15 rebate (5% portion) before...
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Last two months bill I managed to get accurate estimate. But this month my calculation doesn't tally with actual rebate.
wonder how the bank calculates rebates, really wonder.
chemistry
post Dec 16 2010, 12:33 PM

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QUOTE(erry- @ Dec 16 2010, 11:36 AM)

btw, how u get tax relief?  hmm.gif
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Tax relief has no relationship with DA.
I think Ronnie just wanted to share the benefits of buying books which include TAX RELIEF.
chemistry
post Dec 17 2010, 12:42 AM

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QUOTE(jonuslee @ Dec 16 2010, 11:42 PM)
my frens just now online check his cimb account and found that there is a credit card number appear on its account and is shows graduate gold mastercard. Does that graduate mastercard is Direct access mastercard?

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Yes, it is a generic DA Mastercard.
If your friend is a graduate or member of any DA affinity partners (Alumni clubs/Professional bodies), he will get a Platinum instead.
chemistry
post Dec 17 2010, 02:49 AM

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QUOTE(erry- @ Dec 17 2010, 02:31 AM)
normal graduate get platinum is based on annual salary smile.gif

me previously using gold (since southern bank), then after 2 years they give free upgrade to plat
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yes i know that.
But what I told JonusLee just now was about DA affinity partners platinum cards, that is why I said "If your friend is a graduate or member of any DA affinity partners (Alumni clubs/Professional bodies)"
chemistry
post Dec 17 2010, 12:23 PM

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QUOTE(tzeling @ Dec 17 2010, 11:20 AM)
Hi, is there any extra/significant benefits of DA Platinum Master Card over DA Gold Master Card? From the way I read the features on DA website, both card seems to have the same benefits, seems like there is nothing in difference? Or is it credit limit difference only? Can anyone explain? Thanks!
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Generally they share the same basic features as written in website.
If you dig into PROMOTIONS, you'll find that some promos are exclusively for Plat cards & above.
chemistry
post Dec 17 2010, 01:33 PM

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QUOTE(persistence85 @ Dec 17 2010, 01:25 PM)
some merchant don't allow.

eg: DiGi when i wanna buy Iphone and my credit card exceeded credit limit, then i ask can use maybank debit card + my credit card.. she said can't ..

then i pay cash that day... lost 2090 points anyway  cry.gif
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Have you tried 'CC + cash' combination?
chemistry
post Dec 17 2010, 02:48 PM

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QUOTE(jensen_tidus @ Dec 17 2010, 02:33 PM)
Regarding this, the calculation is equivalent to rm10k x 0.005%

Let say if one use the titanium card for less than 10k, let say rm5k, will we get rm25 rebate instead?

Becoz not everyone spend that much in a single card if there is other card can be used for other promotion..
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I'm afraid it's impossible.
To entitle for the RM50 Usage bonus, Cardmembers must spend RM10k & above.
chemistry
post Dec 17 2010, 07:39 PM

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QUOTE(jensen_tidus @ Dec 17 2010, 07:11 PM)
Persistence85~~ I'm not that rich arr.. Hahaha...
My annual spending on bills only accounted for roughly 7k...
Guess I'll need to find other place to spend on...

Anyway, thanks a lot for the answers!!
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I assume all of your 7k spending is for dining/groceries/utilities/petrol.
RM7,000 * 5% = RM350
Would you be generous to pay just RM50 for GST?
chemistry
post Dec 17 2010, 08:19 PM

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QUOTE(MilesAndMore @ Dec 17 2010, 08:09 PM)
HSBC does give rewards points even under 0% installment plan. Not sure about other banks though.
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I have instalment plan using DA MC. I earned points from the IPP during the tenure.

Edit: it's not really an installment plan, but an i.Pay Plan. Sorry for mixing up.

This post has been edited by chemistry: Dec 17 2010, 08:38 PM
chemistry
post Dec 17 2010, 08:49 PM

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QUOTE(MilesAndMore @ Dec 17 2010, 08:43 PM)
HSBC gives the rewards points at one go on the first statement  biggrin.gif
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That is worth a compliment rclxms.gif

QUOTE(erry- @ Dec 17 2010, 08:44 PM)
DA too.
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Is the bonus point given in one go?
My i.Pay Plan gives me reward points in installment . sweat.gif
chemistry
post Dec 18 2010, 11:14 AM

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QUOTE(bingozero @ Dec 18 2010, 10:46 AM)
SCB which card are entire to get 2x points?
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It is SCB Preferred WMC
» Click to show Spoiler - click again to hide... «
chemistry
post Dec 18 2010, 11:32 AM

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QUOTE(jonuslee @ Dec 18 2010, 11:22 AM)
It seems like lots of promotion is for world mastercard for cimb.
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Yeah, quite a lot.
CIMB has got numerous ongoing promo with Mastercard, from Classic to World.
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