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 Credit Card v13

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chemistry
post Dec 19 2010, 12:11 AM

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QUOTE(erry- @ Dec 19 2010, 12:04 AM)
inside plus dont have.

but if exit kajang, go straight to bangi, esso is on the left after traffic light. there also offer 2x points.
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ah? must exit kajang?
Sigh, forget it. cool2.gif
chemistry
post Dec 19 2010, 12:23 AM

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QUOTE(erry- @ Dec 19 2010, 12:15 AM)
if u exit at sungai besi, then heading to jln tun razak, got esso on the left.
if u coming from kl to kajang, before sungai besi toll got mobil there (with mcd).
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ah! now I know!
But, do they have 2X Smiles Pts? sad.gif
chemistry
post Dec 19 2010, 01:09 AM

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QUOTE(erry- @ Dec 19 2010, 12:56 AM)
eh? pbb offer cashback rm50/rm60 (gold/plat) for new card. consider it as gst waiver la  laugh.gif
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HLB also got RM50 cash bonus with 2 swipes within 45 days. rclxms.gif
chemistry
post Dec 19 2010, 12:41 PM

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QUOTE(PPZ @ Dec 19 2010, 11:44 AM)
hmm.. so instead of sticking to hsbc amanah which give me nothing besides the 0.5% rebate, i think it is a better choice to go for PBB Esso CC? i am a loyal esso customer also. biggrin.gif
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Many cards are better than HSBC Amanah nowadays.
MBB Petronas, CIMB Petronas, PBB Esso cc, Amex Gold cc, HLB Essential, OCBC Titanium..etc for example. Any one of the abovementioned is far better than Amanah.
chemistry
post Dec 19 2010, 01:12 PM

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QUOTE(erry- @ Dec 19 2010, 01:01 PM)
oh i'm using cc for 7 years and never know about this! sweat.gif
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The "3 days grace period" is in force just recently only. Not even 1 year yet.
chemistry
post Dec 19 2010, 01:28 PM

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QUOTE(erry- @ Dec 19 2010, 01:13 PM)
its rm600 per year biggrin.gif
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'per month' & 'per year' is very big difference!
600 per year = average 50 per month.
He swiped 10k, 5%=500 already. Left only RM100 cashback quota.
chemistry
post Dec 19 2010, 01:40 PM

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QUOTE(erry- @ Dec 19 2010, 01:35 PM)
yes i got it.

but he wrote rm600 per month, seems like can have max cashback more than rm600 per year, or if x12 its rm7200 per year sweat.gif

nvm. the max is rm600 per year, but not rm50 per month  notworthy.gif
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If it is true, then doesn't he make a mistake to swipe JustOne too much?

if he already earned some cashback previously, the remaining quota must be less already. Hence this 10K swipe might not earn full 5% rebate but the remaining cashback limit.
chemistry
post Dec 19 2010, 01:50 PM

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winner bro, your previous 5k swipe was on what day? Was it 2% or 5% cashback?
chemistry
post Dec 19 2010, 03:40 PM

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QUOTE(erry- @ Dec 19 2010, 03:25 PM)
but the 1 time i missed my due date is last year -2009! sweat.gif
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That's possible.
Even though before the grace period is implemented, the bank reserves the right to waive/reverse late payment charge & resulting finance charge. a few years ago I once forgot to repay my DA , already late 2 weeks but I tried to appeal, and the bank was willing to do reversal.
chemistry
post Dec 19 2010, 03:57 PM

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QUOTE(winner @ Dec 19 2010, 03:43 PM)
Most of the developers in the Klang Valley nowadays accept booking fee via CCs. Some even allow you to use CCs paying the first 10% downpayment. If the developer does not allow you to pay the downpayment in full using CCs, you may pay partial downpayment (up to the maximum amount allowed by the developer) by CCs and it is such a good deal for you actually.
1. HLB Visa Essential does not give cash back to compensate the service tax.
And yes, SCB JustOne Titanium's maximum cash back per year is capped at RM600.
Yes, the last swipe of RM10,000 on Friday did not earn a full 5% cash back. It was done purposely as I wanted to hit the AF waiver requirement of RM15,000 spending per annum. Prior to the big swipe of RM10,000, I had already spent RM5,000++ on a combination of Fridays and other days (about RM180++ cash back received). The RM10,000 swipe actually gave me cash back value of approximately RM420. In total, I received the maximum cash back per year at RM600. At the same time, my card also hit the minimum spending requirement for AF waiver.
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I must say Winner bro you're such an intelligent consumer. :clap
Your 10K swipe also entitled you to guaranteed gift (Digital photo frame) am I correct? And stand a chance to win an iPad! Whoah!

I beg to differ on the issue of HLB cash bonus. I saw the promo with my own eyes, they really give RM50 after 2 swipes within 45 days frm approval date.
chemistry
post Dec 19 2010, 04:00 PM

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QUOTE(persistence85 @ Dec 19 2010, 03:52 PM)
maybe u hold their card for a long time already?  rclxms.gif  rclxms.gif
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At that time, my card was not enough 1 year old.
We just cannot guess what's in their mind, haha.
chemistry
post Dec 19 2010, 04:21 PM

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QUOTE(erry- @ Dec 19 2010, 04:11 PM)
even my mbb visa (not petronas), they offered 10k tp for me to offset the gst, still, i need to pay that rm50 1st and later they credit me 10k tp. now dunno what to redeem brows.gif
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Is there a RM50 cash voucher in the list?
I mean using the voucher to compensate outstanding balance, not that kind of KFC/Pizza Hut voucher.
chemistry
post Dec 19 2010, 04:29 PM

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QUOTE(kei18kun @ Dec 19 2010, 04:26 PM)
wow, good news indeed, even MB catch on the the trend of offering absorb gst
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Point-based cards will get free pts to redeem; rebate-based cards get what? Free cash straight away?
chemistry
post Dec 19 2010, 10:18 PM

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esso-Mobil smiles reward points program offer the best return in town!
For example, 3*RM10 vouchers can be redeemed with just 3,600 pts. That means 0.833% cashback. Of course, the most worthy item of all time is RM15 fuel for 1,000 pts, which implies 1.5% cashback.

Many people are not aware of this and keep on supporting BonusLink by pumping Shell fuel which pts is given on "per litre" basis. I think only Parkson loyal shoppers would love BonusLink because Parkson got 10X points promo.

esso-Mobil Smiles Program

This post has been edited by chemistry: Dec 19 2010, 10:19 PM
chemistry
post Dec 19 2010, 11:00 PM

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QUOTE(MilesAndMore @ Dec 19 2010, 10:52 PM)
Another problem with ESSO/Mobil is that there aren't many ESSO/Mobil stations around. Not to mention many ESSO/Mobil do not operate round the clock  sad.gif
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I think the management is aware of this, as I saw advertisement of ExxonMobil trying to attract potential station operators and hence maintain (if not increase) market share.
chemistry
post Dec 21 2010, 03:56 PM

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QUOTE(gerrardling @ Dec 21 2010, 03:17 PM)
anyone cancel your citibank card before ? heard that citibank wont let their customer to cancel their cc so easily, they will try to delay and delay. anyone experience this before ?
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That is true. I have experienced it.
I wrote them a secure mail (Citibank Online) ask them to expedite the process ASAP. "It is normal for banks to delay card cancellation but I do hope Citibank does not play this dirty trick."
chemistry
post Dec 22 2010, 12:32 AM

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QUOTE(ronnie @ Dec 21 2010, 11:29 PM)
For the SCB iPad giveaway, if we spend RM4000 on each Visa & Mastercard, do we get 2 Digital Photo Frames ?
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A cardholder is only eligible to win one (1) prize.
TnC
chemistry
post Dec 22 2010, 01:07 AM

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QUOTE(ronnie @ Dec 22 2010, 01:02 AM)
erry-: Thanks for the answers. The upon-approval RM50 GST cash back is up to max of RM250,000 (or first 5,000 cardmember only) :-(

Trying to compare the HLB Essential Visa with SCB Business Visa Platinum.
Which is better ?
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You only can benefit from SCB biz plat if you travel (and spend) overseas a lot, because of its Triple Choice Points.
With SCB Biz Plat, the cardholder earns 1X choice Point and 0.5% cashback at the same time. This makes up a total of 1% cashback, which is same with Essential's 1% cashback.

But SCB Biz Plat has got KLIA Premium Lounge unlimited access, Essential don't have.
SCB has Purchase Protect, HLB don't have.


This post has been edited by chemistry: Dec 22 2010, 01:10 AM
chemistry
post Dec 22 2010, 01:27 AM

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QUOTE(ronnie @ Dec 22 2010, 01:16 AM)
Based on your comparison, SCB Business Visa Platinum is much better choice ;-)
Are ChoicePoints earned from SCB Mastercard Platinum can be use for cash redemption (5000 ChoicePoints) against SCB Business Visa Platinum
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SCB will consolidate all your cards in one statement. The statement amount is actually the total amount of all cards you have.

Even the ChoicePoints you earn from different SCB Cards will be consolidated altogether too.
chemistry
post Dec 22 2010, 02:03 AM

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QUOTE(ronnie @ Dec 22 2010, 01:57 AM)
Do they actually print your company, you are working for, on the SCB Business Visa card ?
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I dare not put my employer's name on my card..Who knows what happen in future? I can't guarantee the job is permanent.

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