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 Credit Card v13

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SUSpersistence85
post Dec 14 2010, 08:39 PM

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QUOTE(erry- @ Dec 14 2010, 07:08 PM)
LOL. some1 here have more than 6x than u but just using gold card  whistling.gif

1 card got 8k limit, and he/she have 4 cards and all use full limit then never pay in full. u do the math
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How do you know they have RM8k limit per card? whistling.gif

SUSpersistence85
post Dec 14 2010, 09:07 PM

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QUOTE(erry- @ Dec 14 2010, 09:04 PM)
yes, rm4 mc & rm2 visa for residential only.

1 of my friend have this situation  sweat.gif
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and he is declared bankruptcy now? shakehead.gif

SUSpersistence85
post Dec 15 2010, 09:49 AM

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QUOTE(erry- @ Dec 15 2010, 12:22 AM)
nops. he just have 2 cards so far. so total outstanding 16k. i ask him to do bt but he still not doing it yet  sweat.gif
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Yeap, i agree BT is a good idea tongue.gif


Added on December 15, 2010, 9:51 am
QUOTE(MilesAndMore @ Dec 15 2010, 12:35 AM)
OCBC does offer Verified by VISA and MasterCard SecureCode.
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Yeap

This post has been edited by persistence85: Dec 15 2010, 09:51 AM
SUSpersistence85
post Dec 15 2010, 02:23 PM

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QUOTE(Robin Liew @ Dec 15 2010, 02:22 PM)
IC....mine is cimb mc

meaning cimb visa have annual fees?
funny ehh
anyways wats the diff of mastercard n visa?
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i think mastercard and visa is the same? no?

SUSpersistence85
post Dec 15 2010, 05:25 PM

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Redeem a RM100 parkson voucher from my Credit card Bonus point and get charged RM8 in my saving accounts/Debit Card.

Just cancelled my Debit card with them and waiting for the normal ATM card to reach me mad.gif

This post has been edited by persistence85: Dec 15 2010, 05:25 PM
SUSpersistence85
post Dec 15 2010, 05:55 PM

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QUOTE(MilesAndMore @ Dec 15 2010, 05:43 PM)
Which bank are you talking about ? EON Bank ?
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Yes

SUSpersistence85
post Dec 15 2010, 07:53 PM

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QUOTE(chemistry @ Dec 15 2010, 07:40 PM)
Are you sure the RM8 fee is incurred by gift redemption? I guess it might be debit card annual fee instead.
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Yeap, gift redemption, confirm with staff of my home branch bank & which is why they advised me to cancel my Debit card and switch to normal ATM card. vmad.gif

SUSpersistence85
post Dec 15 2010, 08:43 PM

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QUOTE(chemistry @ Dec 15 2010, 08:35 PM)
Swt~
They did say so? sweat.gif
Do you use Debit Card very frequently? I thought you already have cc (s).
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I never use my Debit Card since the day i open my saving account with EON bank. The purpose i open a saving account is because i always pay my CC via internet banking.

In the first place when i open my account with them, i did asked them for a normal ATM card, till now they still don't have it. They say no stock for few months wub.gif

SUSpersistence85
post Dec 15 2010, 08:46 PM

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QUOTE(MilesAndMore @ Dec 15 2010, 08:37 PM)
I don't get it. What difference does it make ? CIMB Bank for example, will charge the shipping fee to your credit card account. So i'd assume it is the same for EON Bank as well as any other banks that charge shipping fee for credit card rewards redemption. Besides, the shipping fee for EON Bank credit card rewards redemption to East Malaysia is only RM4 and not RM8. Therefore, i am 99% sure that the RM8 is actually the annual fee of your debit card.
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RM50 Vouchers X 2 pieces = RM4 x 2 = RM8

Yes, the redemption for the voucher charge should be in my credit card statement, not debit card/saving account statement. vmad.gif

"E-Debit purchases (ATM)" - that was the transcation details and i am explained by Customer Service and EON bank's staff that was for the voucher.

The Reason they charged into my Debit card is because i open my saving account together with my debit card first.

It was a weird reason, thus i make a decision to terminate my debit card with immediate effect to prevent any un-authorized transcations in future. Prefer a normal ATM card anyway.


Added on December 15, 2010, 8:47 pm
QUOTE(chemistry @ Dec 15 2010, 08:38 PM)
Most of the time when a cc applicant gets call from the bank to verify some details, there's good chance of approval.
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HSBC call me for verification few years back ago, and guess what.. they denied my application sad.gif


Added on December 15, 2010, 8:48 pm
QUOTE(MilesAndMore @ Dec 15 2010, 08:39 PM)
EON Bank also has a debit card that is linked to the savings/current account. The annual fee is the same as the regular MEPS ATM card.
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Yeap, i do know about that.


Added on December 15, 2010, 8:49 pm
QUOTE(chemistry @ Dec 15 2010, 08:43 PM)
I converted all my savings account to basic type to avoid annual fees.  smile.gif And I do not hold any debit card but regular ATM card.
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Er... what is mean by basic type?


Added on December 15, 2010, 8:51 pm
QUOTE(chemistry @ Dec 15 2010, 08:45 PM)
So you opened a savings account at EON Bank just to make cc repayment easier, am I right?
Yes smile.gif


This post has been edited by persistence85: Dec 15 2010, 08:51 PM
SUSpersistence85
post Dec 15 2010, 08:53 PM

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QUOTE(chemistry @ Dec 15 2010, 08:45 PM)

Added on December 15, 2010, 8:46 pm

Credit card and PIN number are delivered separately for security reasons.
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I didn't receive my PIN number for my second upgrade to Gold card. Anyway, i don't need cash withdrawal from credit card tongue.gif


Added on December 15, 2010, 8:53 pm
QUOTE(Banek @ Dec 15 2010, 08:51 PM)
[
ok thank you, so does that mean i have to wait for my pin number arrive before i can use it for shopping?  sorry i am noob.. rclxub.gif
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Definitely

This post has been edited by persistence85: Dec 15 2010, 08:53 PM
SUSpersistence85
post Dec 15 2010, 08:56 PM

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Oh, we misunderstood, i thought he type "online shopping"... i need to wear spectacle ...
SUSpersistence85
post Dec 15 2010, 09:01 PM

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QUOTE(zenquix @ Dec 15 2010, 08:59 PM)
even online shopping dun need PIN tongue.gif
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That is for certain banks only like EON bank. They just changed their system.

You need the pin for online shopping, then u can change the pin through "secure code verified by visa&mastercard"
SUSpersistence85
post Dec 15 2010, 09:09 PM

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QUOTE(MilesAndMore @ Dec 15 2010, 09:02 PM)
I had a basic savings account with EON Bank last time and they didn't offer us the annual fee free ATM card then. They only started giving this option a few months back. There is a short notice in their website about this change.
What ? If i am not mistaken, you will only be charged RM8 if the vouchers are shipped separately. Otherwise, it should just be RM4. Anyway, may be EON Bank is just different ...  rclxub.gif
They really told you so ? What a weird reason  doh.gif   Somehow, it doesn't make sense.
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Agree with you.

RM4 per voucher x 2 vouchers = RM8 (totally insane) - Shipment at one go vmad.gif vmad.gif

Maybe they don't know what reasons to give anymore since it's system failure, i told them i want to file a dispute, then the staff at bank also call customer service and spoke in the phone for half hours... mad.gif That is why i terminate the Debit card, somehow the debit card doesn't have any benefits for me as i didn't use it, not even for once i used it. whistling.gif

This post has been edited by persistence85: Dec 15 2010, 09:10 PM
SUSpersistence85
post Dec 15 2010, 09:18 PM

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QUOTE(chemistry @ Dec 15 2010, 09:14 PM)
Perhaps you may want to terminate the EON cc as well to avoid any future disappointment/dispute.
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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
SUSpersistence85
post Dec 15 2010, 09:26 PM

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QUOTE(MilesAndMore @ Dec 15 2010, 09:22 PM)
Speaking of needing the PIN number for the registration of online banking access. It's been more than 2 months since i received my first credit card from Citibank but there is still no sign of my PIN number. I requested a new PIN number to be sent to me twice already (because i assumed the first and second got lost in the mail) but it is still the same. I made the last request 2 weeks ago at their main branch in Jalan Ampang but still, i have not received the PIN number until today. It's driving me mad !!!  vmad.gif
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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



SUSpersistence85
post Dec 15 2010, 09:36 PM

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QUOTE(chemistry @ Dec 15 2010, 09:35 PM)
I remember you mentioned EON Bank credited RM50 for you to offset GST. brows.gif
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Yeap, that is for the classic card when i first get it.

Second card, classic ---> Gold = FOC brows.gif

This post has been edited by persistence85: Dec 15 2010, 09:37 PM
SUSpersistence85
post Dec 15 2010, 09:45 PM

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QUOTE(chemistry @ Dec 15 2010, 09:42 PM)
There were no calls at all. And I was not in hurry. It just arrived at my doorstep in 5 days.
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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

SUSpersistence85
post Dec 15 2010, 09:50 PM

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QUOTE(chemistry @ Dec 15 2010, 09:47 PM)
Miles bro need the PIN to register internet banking --> monitor card trxn.
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Huh? how come the PIN is needed to register internet banking? I didn't encounter this for my credit card registration for Internet Banking?

SUSpersistence85
post Dec 15 2010, 09:55 PM

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QUOTE(chemistry @ Dec 15 2010, 09:53 PM)
Of course PIn number is needed.
Most internet banking first-time registration require PIN number.
How to proceed without PIN? hmm.gif
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My PIN is sent VIA mobile number that i registered in the registration credit card form.
SUSpersistence85
post Dec 15 2010, 11:16 PM

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QUOTE(cannavaro @ Dec 15 2010, 11:12 PM)
I registered Verified For Visa  for my GSC EONBank cc. When using the eticketing system, you'd be prompted to enter the VFV password.

For my latest online ticket purchase however, I was surprised to find out that they no longer use the VFV system; instead a new code will be sent to the registered phone number via some sort of SMS. The message didn't go into the inbox (at least in my case), it just popped out on the screen with no sounds. If you're not looking at the phone screen you won't know that it's there. I don't know what it's called.  hmm.gif
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Hope this explains: http://www.eonbank.com.my/personal_banking...p/otp_faq.shtml

What is USSD?
USSD is Unstructured Supplementary Services Data. Unlike SMS (Short Message Service), USSD has no store-and-forward capability, which is typical of other short-message protocols like SMS. It is a flash message sent by network service provider which will flash on your mobile phone. Once you click any button on your mobile phone, the message will disappear.


This post has been edited by persistence85: Dec 15 2010, 11:16 PM

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