can split the payment into RM4000 for SCB and RM1900 for OCBC .
SCB swipe RM4k win guaranteed gift and STAND to win iPad.
While the rest RM1,900 swipe on OCBC gets RM19. 

Btw, Miles bro, why did you use HSBC card? (RM30+5900pts)/RM5900 is just 0.9X% cashback. doesn't your Citibank card offer better benefit?

Its not exactly last day.
There is another 1 month grace period.

Its my real senario.
Statement Date : 13-02-2010
Bonus Point : 7061
Bonus Point Expiry Date : 14-02-2010 (Another day from statement date)
Last Day To Redeem : 14-03-2010 (Another month)

In order for me to redeem for GST settlement
I go and spend another RM2940 to get 2940 points.

Statement Date : 13-03-2010
Bonus Point : 2940
Bonus Point Expiry Date : 14-02-2013 (Another day from statement date)
Last Day To Redeem : 14-03-2013 (Another month)

Even the new 2940 points going to expired on 14-02-2013, I still can use this points + the old 7061 points which is already expired one month ago to settle my GST on 14-03-2010.

After GST redemption, I still have 1 point to be brought forword to the followings month.
At the same time, I can see RM50 credited to my credit card account.

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Added on December 24, 2010, 9:42 pmBoth the "Bonus points expiry date" and also the "Last day to redeeem date" are stated clearly at your CIMB credit card statement.

I have been offered with 50% of salary increment, when can I request for an increase in CL? Thank you in advance for answering to my questions!

I'd have you known that I have just managed to pay off 2 of my credit cards and close them after 10 years. Now I only have one. Considering that I just made minimum or miss my payments previously, the amount of interest and late charges accumulated is shocking, which was about close to 15k.

Started to manage my finances since they suspended and cancelled those 2 cards, which was actually a good thing. Started to pay almost everything by cash. I have a 3rd credit card but I;m working on it to reduce it. (It's still a necessity to have one I believe).

My credit rating on CTOS and CKris almost back to normal and I have np getting a car loan and housing loan.

It;s been a long and hard journey. Thought I;d just share this with you guys.

It is in this page. But something is wrong with their website now.

i usually will pay full amount and i got friend who ask for increase of their credit limit but the bank refuse to do so. i think maybe because my friend always pay on time with full amount and they got nothing from him..

I'll ask for CL increase when Feb approaches with my latest pay slip. I'll get 50% increment with effective from tomorrow (Jan 1st, 2011).

normally the CL is 3 times of our salary
i applied for and got once increased
dare not apply for another once knowing that my current CL is way more than the reasonable CL

hmmmm  is my statement CL is 3 times of our salary accurate ? 

Just received sms from CIMB Bank, stating that the 2% petrol rebate for Direct Access Master Card  is no longer available from 1 Jan 2011 onwards, OMG!!!

Actually it is much easier to be amongst the "top 100 spenders" than to be one of the "100 lucky spenders" 

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Added on January 1, 2011, 11:21 pm
Erh, sorry to burst your bubble but RM30K will get you no where if you ever do want to hit the top spenders category 

2) go to apply new credit card, my target is Maybank
as the balance transfer is 0.435% for 36 months

Extra charges will be RM50 GST and 0.435%,
Could anyone advise is it the balance transfer handling fees is only 0.435%? so low? so worth?
Any risk?

i have just applied the OCBC Titanium cc, let's see if they can approve me their card.

fax to them.

before i send to them, actually i call their call center and ask what they needed and strangely, they asked me whether i work in what kind of company. i said it is a IT company and they ask me if the company consider multinational company then i said yes it is. then she just told me to fax them my IC, the application form and my 2 months payslip. no need bank statement. i wonder why.. any ideas??

Maybe only card agent will need to ask that question.
I applied directly thru email. No questions at all.
I work in a small retail shop, FYI.

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Added on January 3, 2011, 5:07 pm
Can I bring this matter to the attention of Kementerian Hal Ehwal Pengguna?

Yes. You can. CIMB Bank can't get away from this as everything is written in black and white. What a way to shoot themselves on the feet 

Anyway, as we all know. Sometimes customer service officer is not the most reliable person for information about their credit cards, promotions and any other banking products. This customer service officer that replied your email could be one of the misinformed and ignorant officer.

you mean AMEX is not acceptable everywhere???

Guys,
i have cancelled my HLB cc since 2008. But in august 2010 they send a statement stating tat i have an overdue payment. After several emails, this is what HLB officer have to say:

"As per our previous email, we would like to advise that there is no record of your cancellation request received at our end prior to service tax imposition. We wish to take this opportunity to advise that for each credit card issued the bank is authorize to charge a service tax of RM50-00 which is then make payable to the Royal Customs Department. The bank has indicated that with effective 1 January 2010, all individual holding credit cards will be imposed a service tax of RM 50-00 per principal card.

In view of the above, it is with regret that we are unable to reverse the service tax of RM50-00 which was levied in the Visa card on June 30, 2010. Nevertheless, we are pleased to advise that we have since reversed the annual fee and finance charges derived from the service tax on goodwill basis. We would appreciate if you could make the necessary arrangement to remit payment i.e. RM 50-00 before your  statement due date."

I do not intend to pay for the service tax as my card was cancelled before the implementation of the tax.

Guys, would like to know what should i do?
1) do i really need to pay for the service tax?
2) if i do not make the payment, what is the consequences?