Hi all,

I currently have a PB Gold and I plan to pledge a small amount of FD to increase my credit limit- I suppose that makes it a 'secured' credit card?
Can I apply for another banks card with a 'secured' card?

Thanks!

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)"

jonusless already wrote "graduate gold mastercard" - so confirm its normal graduate

btw me using DA normal graduate too.

at cimbclicks, i have both GRADUATE VISA GOLD and VISA PLATINUM.
i also have both GRADUATE GOLD MASTERCARD and GRADUATE PLATINUM MASTERCARD.
(gold outstanding and availability is 0.00 since i already terminated it after free upgrade to plat).

wondering, why visa after upgrade to platinum no more graduate word?
but nvm. not important at all!

This post has been edited by erry-: Dec 17 2010, 03:28 AM

If there's one thing I dont like about OCBC Titanium is the amount of rebate allocated for 1%. Always exceed. I forget and swipe over 2k for 1% and limited to RM20 nia. Still, Im surprised that they waived my wife supp card service tax. However, their calculation is a bit weird. Dont know why they charged RM25.67 n then waived RM25 therefore just need to pay 67cents for service tax. I got RM 83 for rebate and it has to be the best card ever since my last Shell card.

Hello anyone can explain the rebate for UOB One credit card?

I heard that the 2% rebate for puchase at giant or tesco and carefore is only applicable with minimum RM100 purchase. But if we dont hit the limit do we get 0.3% rebate applicable for all other puchase to giant or tesco and carefore ?

I am not even sure if you can do this. I mean to increase your existing credit card limit by pledging a FD account to it. Anyway, i don't think you can.

OCBC Titanium will be the best cashback card ever if it has yearly cap instead of monthly cap. But still one of the best cards available for now.

You do spam a lot, don't you?

This post has been edited by Marcian: Dec 17 2010, 10:15 AM

i just rcved my first OCBC mthly statement bill. i got charged the GST rm50. does this mean i will have to pay this one time? because
after this i will definitely have more than 12 swipes a year, so i can get free GST after that for every year? am i right?

GST will be charged every year on annivesary, it can be waived by spending RM10k
swipe 12 times will only waive the annual fee of the card

GST is different than Annual Fee...GST you need to pay...it is for Government

GST = Government
AF = Bank

Some bank can waive GST which you pay using points (Since you just rcvd your card, there's no points inside it)....AF normally easy, swipe more than 12 or more in a year, call the CS and ask for AF waive.

Sifus can rectify if my statement is wrong...hehehhee...

remember to swipe 1% for only rm1k. starting next month, rebate for 1% & 5% will be conbined together to rm50 only per month

i have uob one platinum. usually use only for bhp and carrefour, but rarely use.

refer to http://www1.uob.com.my/webpages/oneCard/pd...RebateTable.pdf

no cash rebate for below rm100

dont confuse gst and annual fee fren!

for ocbc:
gst = 1st year MUST pay, 2nd year waived if spend rm10k on 1st year.
annual fee = 1st year free. 2nd year waived if swipe 12x/year.

ok?

This post has been edited by erry-: Dec 17 2010, 10:33 AM

wah thank you sifus alexwsk and erry-! paiseh got confused with GST and annual fee
if like that means i think will have to pay first year lor, cos surely more than 12swipes and more
than 10k a year

welcome. make sure u swipe more than rm10k with more than 12x swipe.

if u swipe 2x rm6000 only per year then keep ur card, so next year only annual fee is free, gst still need to pay

but swipe 12x/year is not hard. if u pump petrol 4x/month, 3 months can already qualified

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Added on December 17, 2010, 11:07 ambtw, more info about ocbc annual fee & gst waiver here - http://www.ocbccards.com.my/bonus/promoAnn...e_coreCard.aspx

(already post before. u should search within the thread 1st b4 ask

This post has been edited by erry-: Dec 17 2010, 11:07 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!

next year onwards, cash rebate will be capped at rm50 a mth. so let's say i buy a TV from a supermarket, eg. Tesco, it will be billed under 'groceries shopping' so 5% lo rite? let's say TV is rm2k, 5% of rm2k is rm100!!! so i should choose to pay per installment lo, better ma like that rite? if not wasted cos capped at rm50 nia. correct?

platinum card have platinum privileges.

This post has been edited by erry-: Dec 17 2010, 11:50 AM

correct. and its up2u

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.

You got a problem with it?

This post has been edited by persistence85: Dec 17 2010, 01:24 PM

er, if swipe 2xrm6000, annual fee is not waived, GST is waived