Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed
123 Pages « < 45 46 47 48 49 > » Bottom

Outline · [ Standard ] · Linear+

 Credit Card v13

views
     
PPZ
post Dec 20 2010, 03:46 PM

Enthusiast
*****
Senior Member
736 posts

Joined: Sep 2010
QUOTE(erry- @ Dec 20 2010, 03:03 PM)
how many months remaining in ur hsbc installment?

just go apply pbb esso/mobil coz u always pump at esso/mobil.

for ur hsbc, if remaining balance is more than 1 year, then just swipe 12x/year so no annual fee on next year.

for next year gst,
swipe rm9.5k local (exclude petrol) so can get 9500 points to redeem gst next year, or
enroll in hsbc promo for cashback to cover gst next year, or
get as much rebates from pbb esso/mobil so it can cover the gst for hsbc too

biggrin.gif

my hsbc annivessary is on september. this year i redeem points.
next year, maybe redeem points too, but from september to now i already get rm80 cashback from hsbc smile.gif
*
yeah.. the remaining balance is more than 1 year still. sad.gif

my one is HSBC Amanah so i cannot redeem any points!! damn it!!
SUSpersistence85
post Dec 20 2010, 03:47 PM

Casual
***
Junior Member
343 posts

Joined: Oct 2010
QUOTE(erry- @ Dec 20 2010, 03:44 PM)
he already said he loyal to esso  laugh.gif
*
Oh doh.gif
erry-
post Dec 20 2010, 03:48 PM

Custom Member Title
*******
Senior Member
2,323 posts

Joined: Nov 2004
From: Smallville
QUOTE(PPZ @ Dec 20 2010, 03:46 PM)
yeah.. the remaining balance is more than 1 year still. sad.gif

my one is HSBC Amanah so i cannot redeem any points!! damn it!!
*
oh hsbc amanah.

then, u need to swipe rm10k/year to cover gst. same as pbb sweat.gif
erry-
post Dec 20 2010, 03:50 PM

Custom Member Title
*******
Senior Member
2,323 posts

Joined: Nov 2004
From: Smallville
i dont know much about BT, never done it, and perhaps wont need it.

but can we do BT for current cc that have no oustanding but have installment remaining? hmm.gif

this is the case for PPZ here sweat.gif
SUSpersistence85
post Dec 20 2010, 03:55 PM

Casual
***
Junior Member
343 posts

Joined: Oct 2010
call for CS to get more info ?
PPZ
post Dec 20 2010, 03:57 PM

Enthusiast
*****
Senior Member
736 posts

Joined: Sep 2010
QUOTE(erry- @ Dec 20 2010, 03:50 PM)
i dont know much about BT, never done it, and perhaps wont need it.

but can we do BT for current cc that have no oustanding but have installment remaining? hmm.gif

this is the case for PPZ here sweat.gif
*
what you mean is transfer the remaining installment to the new PBB Esso/Mobil CC??
erry-
post Dec 20 2010, 04:00 PM

Custom Member Title
*******
Senior Member
2,323 posts

Joined: Nov 2004
From: Smallville
QUOTE(PPZ @ Dec 20 2010, 03:57 PM)
what you mean is transfer the remaining installment to the new PBB Esso/Mobil CC??
*
yes smile.gif

QUOTE(persistence85 @ Dec 20 2010, 03:55 PM)
call for CS to get more info ?
*
not me tongue.gif

Robin Liew
post Dec 20 2010, 04:51 PM

Getting Started
**
Junior Member
290 posts

Joined: Oct 2010
QUOTE
u need to swipe rm10k/year to cover gst. same as pbb



meaning pbb will waive the gst>?


kinda surprised pbb never charged me the gst on the card anniversary
SUSpersistence85
post Dec 20 2010, 04:57 PM

Casual
***
Junior Member
343 posts

Joined: Oct 2010
QUOTE(Robin Liew @ Dec 20 2010, 04:51 PM)
meaning pbb will waive the gst>?
kinda surprised pbb never charged me the gst on the card anniversary
*
amazing rclxms.gif

alexwsk
post Dec 20 2010, 05:05 PM

Look at all my stars!!
*******
Senior Member
4,094 posts

Joined: Jan 2003
From: USJ
QUOTE(erry- @ Dec 20 2010, 03:50 PM)
i dont know much about BT, never done it, and perhaps wont need it.

but can we do BT for current cc that have no oustanding but have installment remaining? hmm.gif

this is the case for PPZ here sweat.gif
*
some banks can
Robin Liew
post Dec 20 2010, 05:11 PM

Getting Started
**
Junior Member
290 posts

Joined: Oct 2010
anyone familiar with citibank rewards claim?

is the b&d car polisher still on the list?
TSMilesAndMore
post Dec 20 2010, 05:21 PM

Look at all my stars!!
Group Icon
Moderator
9,301 posts

Joined: Mar 2008
QUOTE(erry- @ Dec 20 2010, 03:50 PM)
i dont know much about BT, never done it, and perhaps wont need it.
QUOTE(erry- @ Dec 20 2010, 02:50 PM)
icc. why hsbc not sms me? haha.

but i dont have any outstanding. so cannot do OT laugh.gif
You have DA MasterCard right ? When the bill comes next time, do not pay it. Instead, apply for BT with HSBC. HSBC will pay for you and you will pay HSBC back in installment for 6 months. Assume if you apply for the 0% HSBC BT before 15 Jan 2011.


erry-
post Dec 20 2010, 06:53 PM

Custom Member Title
*******
Senior Member
2,323 posts

Joined: Nov 2004
From: Smallville
QUOTE(Robin Liew @ Dec 20 2010, 04:51 PM)
meaning pbb will waive the gst>?
kinda surprised pbb never charged me the gst on the card anniversary
*
some bank charge 1 month after the anniversary, like hsbc.

pbb dont automatically waived. need to redeem 10k points for gst50. 10k points = rm10k swipe.
or for cash rebate like esso/mobil, swipe rm10k the cashback is rm50 so use that to pay for gst.

QUOTE(MilesAndMore @ Dec 20 2010, 05:21 PM)
You have DA MasterCard right ? When the bill comes next time, do not pay it. Instead, apply for BT with HSBC. HSBC will pay for you and you will pay HSBC back in installment for 6 months. Assume if you apply for the 0% HSBC BT before 15 Jan 2011.
*
yes i do have DA MC and also hsbc.

but then, whats the benefits for me to do the BT? sweat.gif
even hsbc didnt sms me the promo laugh.gif


SUSpersistence85
post Dec 20 2010, 07:33 PM

Casual
***
Junior Member
343 posts

Joined: Oct 2010
QUOTE(erry- @ Dec 20 2010, 06:53 PM)
some bank charge 1 month after the anniversary, like hsbc.

pbb dont automatically waived. need to redeem 10k points for gst50. 10k points = rm10k swipe.
or for cash rebate like esso/mobil, swipe rm10k the cashback is rm50 so use that to pay for gst.

yes i do have DA MC and also hsbc.

but then, whats the benefits for me to do the BT? sweat.gif
even hsbc didnt sms me the promo  laugh.gif
*
swipe Rm10k , do the BT, use RM10k for FD smile.gif
Robin Liew
post Dec 20 2010, 07:55 PM

Getting Started
**
Junior Member
290 posts

Joined: Oct 2010
nope mine tada
just cheked again

maybe they forgot?

or my card was given because of housing loan so no gst?
SUSrockefeller
post Dec 20 2010, 08:23 PM

On my way
****
Senior Member
522 posts

Joined: Dec 2008
Hi. I would like to ask if you guys have heard of this ruling where a Principal cardmember can not be the Suplemantary cardmember of the same bank?

Situation:
A (Husband) holds a principal Visa card from Bank XXX. He provided his wife, B, with a supplementary card Visa card from Bank XXX.

A few years later, the wife (B) has steady income of her own and applied for the same card type, Visa card from Bank XXX as her own principal card. She then gives her husband (A) a supplentary Visa card from the same bank.

The bank wrote to both husband and wives to cancel each other's supplementary as they have their own principal card. Is this really the case? It doesn't make sense to me.
SUSpersistence85
post Dec 20 2010, 08:37 PM

Casual
***
Junior Member
343 posts

Joined: Oct 2010
QUOTE(rockefeller @ Dec 20 2010, 08:23 PM)
Hi. I would like to ask if you guys have heard of this ruling where a Principal cardmember can not be the Suplemantary cardmember of the same bank?

Situation:
A (Husband) holds a principal Visa card from Bank XXX. He provided his wife, B, with a supplementary card Visa card from Bank XXX.

A few years later, the wife (B) has steady income of her own and applied for the same card type, Visa card from Bank XXX as her own principal card. She then gives her husband (A) a supplentary Visa card from the same bank.

The bank wrote to both husband and wives to cancel each other's supplementary as they have their own principal card. Is this really the case? It doesn't make sense to me.
*
bank earn more from principal (P) card brows.gif

TSMilesAndMore
post Dec 20 2010, 08:41 PM

Look at all my stars!!
Group Icon
Moderator
9,301 posts

Joined: Mar 2008
QUOTE(erry- @ Dec 20 2010, 06:53 PM)
yes i do have DA MC and also hsbc.

but then, whats the benefits for me to do the BT? sweat.gif
even hsbc didnt sms me the promo  laugh.gif
So you don't have to pay so soon. You can keep your funds in FD earning interest first. After all, it is not like you will have to pay more to the bank later on.

Alternatively, use your HSBC credit card more and do a BT to DA. DA offer a longer interest free repayment period after all smile.gif

rickkywong
post Dec 20 2010, 08:54 PM

Getting Started
**
Junior Member
178 posts

Joined: Mar 2008
From: Selangor
QUOTE(MilesAndMore @ Dec 20 2010, 08:41 PM)
So you don't have to pay so soon. You can keep your funds in FD earning interest first. After all, it is not like you will have to pay more to the bank later on.

Alternatively, use your HSBC credit card more and do a BT to DA. DA offer a longer interest free repayment period after all  smile.gif
*
Maybank Card & Amex is offering the longest interest free BT program. 0% for 12 mths. icon_idea.gif

SUSpersistence85
post Dec 20 2010, 08:58 PM

Casual
***
Junior Member
343 posts

Joined: Oct 2010
QUOTE(MilesAndMore @ Dec 20 2010, 08:41 PM)
So you don't have to pay so soon. You can keep your funds in FD earning interest first. After all, it is not like you will have to pay more to the bank later on.

Alternatively, use your HSBC credit card more and do a BT to DA. DA offer a longer interest free repayment period after all  smile.gif
*
rclxms.gif rclxms.gif

« Next Oldest · Finance, Business and Investment House · Next Newest »
 

123 Pages « < 45 46 47 48 49 > » Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
 0.0176sec    0.64    6 queries    GZIP Disabled
Time is now: 7th December 2025 - 08:04 AM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.