your application approval and CL in not just based on above, the banks will also take into consideration of your income and total credit facilities approved by other banks e.g. housing loan, car loan personal loan, OD, etc. Different banks have different evaluation criteria, In the last thread, one guy applied many cards one go and some banks rejected his application and another bank giving him Platinum.

I was replying to vanderbilt post, how come pulak you implying I answering your question

This post has been edited by Gen-X: Dec 11 2010, 09:53 PM

for HSBC visa platinum is it now free as long as you swipe 12 times a year. Amanah is free also. Today at Midvalley, the HSBC told me that Amanah give cash back and even GST, but I was not interested so didn't bother to ask further. Go check it out.

Amanah as the name implies is based on Islamic principles. So you can't use it for clubbing and non-halal transactions.

Anyway, please note that HSBC overseas transaction is high, read the last few pages of the previous thread.

This post has been edited by Gen-X: Dec 11 2010, 10:54 PM

it depends on the exchange rate of the currency at the time of purchase. For example, if you exchange US at money changer a week before you went overseas and while you were there, US currency weaken and then by using the card you will most probably pay less. However if the rate was constant, using card you will end up paying more as there is an admin charge. Do note that some cards do give more points for overseas transactions e.g. RHB Travel & most Plat cards.

Dont' know about HK, but was in SG 2 weeks ago and didn't notice any HSBC promotion but Citibank many shop giving extra 10% discount on top of sale price.

yah, noticed that vanderbilt and rockefeller postings are similar (always mentioning enrich points) and both also rich. rockefeller has MBB WMC and vanderbilt dad has RM300K CL for CIMB Enrich card. But the funny thing is vanderbilt started a thread asking where can "cash" out from merchant in KL or something like that How come vanderbilt no ATM card?

so rockefeller care to explain?

opjust: your statement that you want to settle all and forget about credit card is good. As for your friend, he is not the one being imposed interest nor is he the one paying the bills. The only reason that can justify you paying off the debt later is that you now at this moment can use the money to invest and earn more than the CC interest charges but I doubt that (unless you can do BT as David mentioned and get 0% installement, but you need to have anther card on hand and it takes time to get a new one approved, if you posted before you purchase the stuffs, many here can give you ways to prolong your payment with 0% interest).

Go read the thread on how long it takes to pay up your debt if you only pay the minimum. It takes years, Don't start owing people money, moreover you just married and your lifestyle will change tremendously once you have children.

Just pay off the debt since you got the money and start saving all over again.

burger king do accept CC. However once at Midvalley, their terminal was down but they still gave me 10% discount with CIMB WMC.

Today was at 1U GSC, use my DA VI to get 2 free tickets as my wife has a supp from me too. If I were to go there 3 times a year then it will breakeven the GST cost.

1U is the best place for shopping as besides getting rewards point or cash back with CC, we get free gifts from 1U shopping centre and/or MBB centre and OneCard points that can be used as payment. Also at 1U MBB card members can redeem 210 treatPOINTS for RM1 cash equivalent to pay merchants with RCUBE Programme.

This post has been edited by Gen-X: Dec 12 2010, 10:13 PM

just hope that you are not investing on someone else wife in the future

well, we can start to update on OCBC Titanum oulets giving 5% rebate and the next person who open V14 post it on the second post. Do what people do at garage sale and specific phone thread, reserve the 2nd and 3rd post.

I have yet to receive my EON Signature card, not free today to go branch and check if arrived but already got another telemarketer calling me to ask if want do Cash On Call or something like that where interest 3.99% upfront. But they offering only up to 50% of CL whereas HLB also calls me time to time offering cash loan for 6.99% (i think should be 6 months period) but up to 90% of my CL.

for DiGi iPhone, well I sign up for the 24 months plan earlier this year for the iPhone 3GS where the amount is charged to my DA. The iPhone is used mainly for internet and calls never exceed the allocated minutes. Then few months back was at DiGi and I asked the can I sign up auto debit for my iPhone account eventho the bill is RM0 (since I know that I get RM5 discount for my BB RM58 plan) and was informed sure. So signed up for auto debit with my AMEX Gold CC and now the iphone account has more RM26 credit

yah, EPP and other installement plans kind make us spend more and buy stuff we would otherwise cannot afford. I have mentioned before, sometimes we get discount if we were to swipe in full instead of going for EP with merchant. Last year Harvey Norman gave me RM100 discount for a HP tablet and more than RM300 for a cloth dryer on condition I don't do 0% installements with them. Was also given discount for furniture shop at Subang Parade if don't go for installments.

just sharing on the cash on call thingy. I just checked EON bank's cash on call. Pretty good if need cash, with the 1% cash back the interest is 3.99% for 12 months as mentioned by the telemarketer. The rate is even lower than my OD facilities. I can even make some money out of it - only if I can still get FD with interest paying 5%. Or if want to buy car and just need loan for 1 year tenure, this may be an option as car loans minimum tenure 3 years.

http://www.eonbank.com.my/personal_banking...llforcash.shtml

for fusion food with Japanese flavour, Pasta Zamai cheaper. I just love the garlic fried rice with chicken.


Ok so far I have got following by using MC, note must be a single swipe:

(1) Subang Parade - RM100 gets you 2 pop up christmas greetings card. Also qualify you for lucky draw.
(2) Pavillion RM500 gets you a small pouch, good for ladies to keep make up I suppose. [EON bank CC - RM300 get you a better gift, my EON card still not in my hands so didn't get anything from EON. CIMB giving hampers].
(3) Midvalley - RM250 get 1 token for 5 hours carpark. RM400 2 tokens get a mug. Applies to any HSBC too.
1U - nothing with MC and yesterday free calendar already finished for that day and it wasn't even noon time.

yes, at Ground Floor. But if you have Isetan or Robinson card also can.

OT - If want get iPhone, make sure sign up for DiGi Plan where the price for internet usage is fixed. If sign up with Maxis do note you will be charged for every additional 10kb used once you reach the allocated GB. Same applies to BlackBerry plans, go with DiGi for unlimited internet usage with fixed monthly cost and don't forget to sign up for autodebit with CC or AMEX and get RM5 discount.

Collected my Eon Visa Signature today. There's no EON Bank logo in the front and the card is not pure white but more of biege color. Card looks very plain and don't look like a Premier Card. Click here to view my card at my blog at credit cards malaysia blogspot.

normal lah, must be something to do with our education system where the students are spoon feed. Sometimes got Uni students asking about their assignment too in this section.

This post has been edited by Gen-X: Dec 14 2010, 06:04 PM

No, only credit facilities given by banks. However if you pledge FD as collateral for credit facility then there will be a code/note.

It will be cool if can get a report on our deposits in all banks.

This post has been edited by Gen-X: Dec 14 2010, 06:09 PM

Well, you be surprised that SB knows your networth.

and got people like us here got nothing better to do and answer their questions

This post has been edited by Gen-X: Dec 14 2010, 06:36 PM

SB = Special Branch

who cares about post counts. does not benefit us but allow one to have global unlimited attachments

As for you, I would say that you are one of the most informative person in this section as far as cards and banking accounts are concerned.

Just read, up to October this year, 4651 people declared bankrupt due to CC. Article from The Edge

just keep posting your comments. sometimes we do get senso people who don't know how to read (or don't read) what was posted and think we attacking them whereas we are only stating facts.

Just got my Alliance statement enclosing a pamphlet where they offering 12 months BT 0% interest minimum amount RM2000 up to 80% of CL. No mention of admin/handling fees. However there is a 5% charge for early exit.

Good, more banks offering 12 months 0% BT. Hopefully next year CIMB/DA will match this offer instead of 0% for 6 months. I like DA BT, separate statement for BT and very fast approval and application can fax in.

This post has been edited by Gen-X: Dec 15 2010, 05:10 PM

well if you don't settle in full by the 6th payment then you just have to pay higher interest.

Better to call CS and confirm when dateline to settle in full somewhere on the 5th month to avoid interest charges.

This post has been edited by Gen-X: Dec 15 2010, 05:48 PM

AMEX Gold CC also 9.9%

Step 1 - You must have outstanding balance (except for HLB they can give you cash without you owing anybody any money) in your existing card (in your case Affin card and we call it Card A);

Step 2 - You must have another credit card from another bank, say Card B (if want to do BT and no 2nd card, plan in advance because applying for a card may take up to 3 to 4 weeks before you can actually do BT) and choose wisely as not all cards give 0% interest;

Step 3 - Get BT application form for Card B (usually can download it from bank website) and fill in the amount you want to transfer from Card A, all other details required, tick where applicable and sign the application form. Failing to do one or the other may delay in your application being approved;

Step 4 - Post or fax (recommend you fax instead of post) application form to Bank B togeher with Card A Statement. Also important that you immediately take action and fax the form after you got statement for Card A to allow Card B to process, approve and make payment before Card A due date;

Step 5 - not necessary but recommended, pay at least the minimum payment card A and never BT 100% just in case application got problem. This is to avoid bad credit records; and

Step 6 - check with Bank B 3-5 days after you faxed application to check status. Then after few days again to see if approved. If approved find out when they paid for card A and after 2 days check with card A to confirm. You can wait for letter from Card B to inform you that your application have been approved, however if your application was rejected and you found out after Card A due date, you'll be imposed interest on Card A balance.

Click more on BT at my sign.

MileAndMore - e.g. of nothing better to do - quick manual for BT

This post has been edited by Gen-X: Dec 15 2010, 08:18 PM

the offer until 31 Dec and you did get RM5 vouchers too from MPH using DA/CIMB MC?

In the first post, Best WMC for frequent flyers = MBB WMC but for non frequent flyers, best is CIMB/DA WMC where got many offers and free coffee.