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!!

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!!

hi every one. need help on this. i once own a cc. 3 of them previously.  first is CIMB mastercard. 2nd is MBF and 3rd is Alliance.  now all 3 got cancelled.  the cimb i defaulted but settle before go to court, same with MBF.  The Alliance got suspended and terminated by the bank but i managed to pay off all the debts.  on September i applied for citibank but decline. when ask them why they say they don't know, its not theirs department.  ok, on 15th dec i applied for hongleong (online) yesterday check they put the status decline.  just email to them asking the reason.  do anybody know what is the possible explaination why i'm being decline for it? my annual pay got no problem. and got no more default payment with any bank.

any installment plan will not receive any cash reward or point for every bank credit card if i'm not mistaken

HSBC does give rewards points even under 0% installment plan. Not sure about other banks though.

It should be RM2,000. Before 1/1/11, maximum cash back per month for the 1% category is RM20.
You can split your payment by using 2 cards. Assuming that it is your first swipe on OCBC Titanium MC during the statement month, you can use your OCBC Titanium MC to pay the first RM1,000 in order to enjoy the full RM50 cash back. The balance can be settled by another card, i.e, Amex Platinum cc or Amex Gold cc for the 5x MR points.

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..

..and it's not hard to spend RM10k in a single card per year 

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?

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.

Guys,now I'm pumping Esso & Mobil petrol because I feel it more convienence for me because it just near my house and BHP quite far. Shall I apply PBB Esso CC ?

u may try, there is a tier rate of rebate plus the special rebate of 3%

if your petrol bill per month is more than RM200, is 5% rebate plus smile card rebate 1.5%

HSBC does give rewards points even under 0% installment plan. Not sure about other banks though.

HSBC gives the rewards points at one go on the first statement 

DA too.

Is the bonus point given in one go?
My i.Pay Plan gives me reward points in installment . 

Because you've been blacklisted. You should only try again 1 year later.

er.. after 1 year, the blacklisted name will get auto removed?

Anyone knows what is the sms no to check my current Citibank outstanding balance ? I saw it in their website before but i can't seem to find it now.

usually after 6months. for now, just using debit card.

if u using esso/mobil, go for pbe esso/mobil debit card, get 1% fuel rebate (max rm30) and 0.5% cashback unlimited

er.. after 1 year, the blacklisted name will get auto removed?

http://www.citibank.com.my/english/citi-on...line-alerts.htm

i thought CTOS still will put a remark although you settle all default payment? no?

I guess it won't be clean totally. Guess you'll get the answer in the dedicated thread regarding this issue