Ah that explains it. Thanks. Sounds like a new system.

then u should never apply for the card. use online banking or OTC

the bank just make a reason and opt u to debit card so they can charged u rm8

credit limit wise but annual fee rm600, no meaning

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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Added on December 16, 2010, 11:42 pmmy 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?

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? 

Is it actually possible for the cashier to charge a single receipt/bill with multiple cards? Cos I always paid full with a single card.

Have you tried 'CC + cash' combination?

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 ?

I'm afraid it's impossible.
To entitle for the RM50 Usage bonus, Cardmembers must spend RM10k & above.

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.

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

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

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

For new SCB cards, you need not do anything. Soon after your application is approved, you account will be granted RM88 for Gold card or RM188 for Platinum card and the service tax is also charged almost simultaneously. At that point in time, your account will have a surplus of RM38 or RM138. Currently, this is one of the best deals for cc application.

Charge card is convenient for those who always spend beyond the CL of their other CCs. They do not need to "beg" the banks to increase their CLs.

choose 10x mr points then 3.5% or just 1 point but no %? 

btw like i told previously, some places (in spore and medan) only accept visa. no mastercard, no amex. so really headache to pay if no cash and no visa 

nops. here in malaysia usually when visa is accepted, mastercard is accepted too.

the diff is their promo.
example is tm auto bill.
direct debit with mc got discount rm4.
direct debit with visa discount rm2.

so, rm48/year or rm24/year only?

pbb promo usually post with statement. no sms to customer, no ads in paper. must go to their website frequently

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Added on December 18, 2010, 3:06 pmSo, this prove Mastercard is more important than Visa? What say you?