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 Credit Card v13

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erry-
post Dec 18 2010, 10:36 PM

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QUOTE(persistence85 @ Dec 18 2010, 10:34 PM)
one time put Rm10k and save u hassle  brows.gif
*
dont have that money blush.gif

chemistry
post Dec 18 2010, 10:37 PM

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QUOTE(erry- @ Dec 18 2010, 10:21 PM)
if u really want to swipe rm10k with 1 card, go for pbb esso/mobil (free for life).
it give 0.5% so swipe 10k u will get rm50 too, but this card rebate is unlimited!

or if more than 10k, go for pbb visa plat (free for life with conditions), >10k rebate is 0.55%.
other cashback card that offer rebate unlimited are cimb petronas (free for life) & std chartered buss plat (both 0.5%).

*
Add one more HL essential (unlimited 1% cashback) biggrin.gif
SCB launching "Spend RM4k and win a guaranteed gift and stand a chance to win iPad". iPad is abit difficult lar, but the guaranteed gift (Philips digital photo frame) is not bad.
erry-
post Dec 18 2010, 10:37 PM

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QUOTE(Shinichi @ Dec 18 2010, 10:35 PM)
Hi all, my credit card chip starting to have problem now, sometimes I need to get it swiped few times only can go through... can I get free replacement by going to the branch?

Thanks.
*
Da charged me rm10 then waived back on next statement (still need to pay that rm10 1st).

other bank, no idea.

SUSDavid83
post Dec 18 2010, 10:38 PM

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QUOTE(kanethesun @ Dec 18 2010, 10:34 PM)
just came back from Mid Valley, bought a washing machine @ Harvey Norman, but then was told by HSBC staff that we're not entitled for the gift redemption sad.gif

then I feel sad, and go to Carrefour bought 6 can of Heineken, surprisingly, the cashier actually use the Maybank Visa Paywave for my GSC-EON card, and it able to go through yawn.gif yawn.gif
*
Why are you surprised? Unless your card or the wave terminal got problem.

QUOTE(Shinichi @ Dec 18 2010, 10:35 PM)
Hi all, my credit card chip starting to have problem now, sometimes I need to get it swiped few times only can go through... can I get free replacement by going to the branch?

Thanks.
*
Not on the spot replacement.
erry-
post Dec 18 2010, 10:38 PM

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QUOTE(chemistry @ Dec 18 2010, 10:37 PM)
Add one more HL essential (unlimited 1% cashback)  biggrin.gif
*

oh yea forgot the Essential Card from HLB. i did thinking to sign up for the card previously laugh.gif

ck_tonny
post Dec 18 2010, 10:41 PM

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QUOTE(erry- @ Dec 18 2010, 10:38 PM)
oh yea forgot the Essential Card from HLB. i did thinking to sign up for the card previously  laugh.gif
*
If my memory serve me right, they dun offer any cashback to offset GST for this card.
SUSpersistence85
post Dec 18 2010, 10:42 PM

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QUOTE(chemistry @ Dec 18 2010, 10:37 PM)
Add one more HL essential (unlimited 1% cashback)  biggrin.gif
SCB launching "Spend RM4k and win a guaranteed gift and stand a chance to win iPad". iPad is abit difficult lar, but the guaranteed gift (Philips digital photo frame) is not bad.
*
too bad i don't have that card cry.gif


Added on December 18, 2010, 10:44 pmguys, normally how many years u use the card and the chip starting gonna have problem?

This post has been edited by persistence85: Dec 18 2010, 10:44 PM
kei18kun
post Dec 18 2010, 10:45 PM

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QUOTE(alexwsk @ Dec 18 2010, 10:09 PM)
er, but is someone in the car? i never heard can saman like that
and PDRM only saman for RM30? din ask for minum ka brows.gif
*
thats why im shocked, these are normal policeman, not white ones. Even white ones will ask u to leave, kena buta-buta


Added on December 18, 2010, 10:47 pm
QUOTE(ck_tonny @ Dec 18 2010, 10:41 PM)
If my memory serve me right, they dun offer any cashback to offset GST for this card.
*
ur correct, only normal cards they offer to absorb GST

QUOTE(persistence85 @ Dec 18 2010, 10:42 PM)
too bad i don't have that card  cry.gif


Added on December 18, 2010, 10:44 pmguys, normally how many years u use the card and the chip starting gonna have problem?
*
mine 2 years, i think most likely its bcos of we sit on or wallet and it breaks

This post has been edited by kei18kun: Dec 18 2010, 10:47 PM
erry-
post Dec 18 2010, 10:48 PM

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QUOTE(ck_tonny @ Dec 18 2010, 10:41 PM)
If my memory serve me right, they dun offer any cashback to offset GST for this card.
*
now got smile.gif

swipe 2x within 45days and get rm50 thumbup.gif

http://www.hlb.com.my/promo/pfs/cc_win_maz...x.jsp?s=ccpromo

with chance to get mazda 3 drool.gif

essentials got 10 entries icon_rolleyes.gif

free for life with 2x swipe/month or rm8k/year laugh.gif

This post has been edited by erry-: Dec 18 2010, 10:50 PM
SUSpersistence85
post Dec 18 2010, 10:49 PM

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QUOTE(kei18kun @ Dec 18 2010, 10:45 PM)

mine 2 years, i think most likely its bcos of we sit on or wallet and it breaks
true.. put the card in a separate wallet then smile.gif

chemistry
post Dec 18 2010, 10:50 PM

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QUOTE(ck_tonny @ Dec 18 2010, 10:41 PM)
If my memory serve me right, they dun offer any cashback to offset GST for this card.
*
Promo kiosk in shopping malls might offer cash bonus to offset GST. I say PERHAPS smile.gif
Edit: Now no need to seek kiosks already biggrin.gif Read this.

QUOTE(persistence85 @ Dec 18 2010, 10:42 PM)
too bad i don't have that card  cry.gif


Added on December 18, 2010, 10:44 pmguys, normally how many years u use the card and the chip starting gonna have problem?
*
I never encounter chip problem.

This post has been edited by chemistry: Dec 18 2010, 10:56 PM
erry-
post Dec 18 2010, 10:51 PM

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my latest da, 6 months chip error. thats y i ask for free replacement.

but the system need to charge 1st then refund later sweat.gif

my hsbc, very2 in bad condition. still can use notworthy.gif
SUSpersistence85
post Dec 18 2010, 10:52 PM

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QUOTE(erry- @ Dec 18 2010, 10:51 PM)
my latest da, 6 months chip error. thats y i ask for free replacement.

but the system need to charge 1st then refund later sweat.gif

my hsbc, very2 in bad condition. still can use notworthy.gif
*
er.. u always sit on ur wallet? maybe the sweat make it become faulty

ck_tonny
post Dec 18 2010, 10:52 PM

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QUOTE(erry- @ Dec 18 2010, 10:48 PM)
now got smile.gif

swipe 2x within 45days and get rm50  thumbup.gif

http://www.hlb.com.my/promo/pfs/cc_win_maz...x.jsp?s=ccpromo

with chance to get mazda 3  drool.gif

essentials got 10 entries icon_rolleyes.gif
*
Not bad, last time i had to swipe at least RM50 at the first time to get RM50 cashback, now just make 2 swipe within 45 days to get the cashback.
staind
post Dec 18 2010, 10:53 PM

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Added on December 18, 2010, 10:54 pm
QUOTE(erry- @ Dec 18 2010, 06:15 PM)
if really looking for petronas rebates, told already.

mbb petronas = swipe rm2200 can get rm10 only!
cimb petronas = swipe rm2200 can get rm44
da mastercard = swipe rm2200 can get rm44
ocbc titanium = swipe rm2200 can get rm100 / rm50 next year (based on max capped)

so, why mbb? tongue.gif
*
Correct me if I am wrong. for MBB Petronas card, you will get 5X points. This means that RM2000 = 10000 pts = RM50.

It is better than CIMB Petronas, no?

This post has been edited by staind: Dec 18 2010, 10:54 PM
SUSpersistence85
post Dec 18 2010, 10:58 PM

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I just go through Hong Leong website, existing 1 year cardholder can't use the card to apply for hlb cc?


Added on December 18, 2010, 10:59 pm
QUOTE(staind @ Dec 18 2010, 10:53 PM)

Added on December 18, 2010, 10:54 pm
Correct me if I am wrong. for MBB Petronas card, you will get 5X points. This means that RM2000 = 10000 pts = RM50.

It is better than CIMB Petronas, no?
*
oh.. true also hor..


This post has been edited by persistence85: Dec 18 2010, 10:59 PM
erry-
post Dec 18 2010, 11:00 PM

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QUOTE(staind @ Dec 18 2010, 10:53 PM)
Correct me if I am wrong. for MBB Petronas card, you will get 5X points. This means that RM2000 = 10000 pts = RM50.

It is better than CIMB Petronas, no?
*


1st, apologize coz i put petronas voucher rm10, it should be rm50. notworthy.gif notworthy.gif notworthy.gif

but, to redeem rm50 petronas u need 11000 tp.
to get 11000 tp, u need to swipe rm2200.

cimb, swipe rm2200 get rm44.
but, cimb swipe on 1st day is 5%.

if u swipe rm100 on 1st day, u already get back rm5.

so +/-, for me, cimb win smile.gif


chemistry
post Dec 18 2010, 11:01 PM

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QUOTE(persistence85 @ Dec 18 2010, 10:58 PM)
I just go through Hong Leong website, existing 1 year cardholder can't use the card to apply for hlb cc?
*
what makes you say so ? hmm.gif


Added on December 18, 2010, 11:04 pm
QUOTE(erry- @ Dec 18 2010, 11:00 PM)
1st, apologize coz i put petronas voucher rm10, it should be rm50notworthy.gif  notworthy.gif  notworthy.gif

but, to redeem rm50 petronas u need 11000 tp.
to get 11000 tp, u need to swipe rm2200.

cimb, swipe rm2200 get rm44.
but, cimb swipe on 1st day is 5%.

if u swipe rm100 on 1st day, u already get back rm5.

so +/-, for me, cimb win smile.gif
*
If I recall correctly, MBB Petronas gets 10X TP on first day of the month. That means a swipe of RM100 gets 1,000 pts, equivalent to RM4.54, still OK not too bad.

This post has been edited by chemistry: Dec 18 2010, 11:04 PM
erry-
post Dec 18 2010, 11:04 PM

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QUOTE(persistence85 @ Dec 18 2010, 10:52 PM)
er..  u always sit on ur wallet? maybe the sweat make it become faulty
*
nops. my cc have their 'own' wallet.

my hsbc card - broken (not important), plastic swipe teared, 'dirty' black spot chip, but still can use! thumbup.gif

Attached Image Attached Image





SUSDavid83
post Dec 18 2010, 11:08 PM

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QUOTE(chemistry @ Dec 18 2010, 11:01 PM)
what makes you say so ? hmm.gif


Added on December 18, 2010, 11:04 pm
If I recall correctly, MBB Petronas gets 10X TP on first day of the month.  That means a swipe of RM100 gets 1,000 pts, equivalent to RM4.54, still OK not too bad.
*
10x TP, are you sure? I'm not aware of this. Where you get this info?

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