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Credit Card v13
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chemistry
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Dec 11 2010, 01:24 AM
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QUOTE(lung85 @ Dec 11 2010, 12:36 AM) I own a maybank pretonas gold card, limit is rm6k. I would like to purchase an item about 2k. I would like to do easy payment for 1 year, does maybank had any easy payment plan. I google a bit n found there are chargers of interest but my friend which using pbb credit card told me shd be 0% interest. Any expert of maybank cc? Go to the shop that you want to make purchase and ask for their advice which card(s) can do 0% interest installment. And don't forget to confirm with them is there any one-time or upfront charges.
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chemistry
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Dec 11 2010, 07:19 AM
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QUOTE(lung85 @ Dec 11 2010, 02:27 AM) I interested in purchasing HTC desire HD which is offer by digi, and i read the Q&A, it saying unable to pay installment. Q8. Can I pay for the device in installments? A8. Easy Payment Plan is not currently offered for the devices bundled with DG Smart Plan. If i wan to do installment, can i call out maybank customer support and ask them to make it as an installment plan for 1 year. Does they provide 0% interest or not? Do you own another cc other than MBB? Maybe you can swipe with MBB cc first, then do (0% or 1%)BT to another cc. Or vice versa. EzyPay is also an option, but can you accept the interest rate? Go check it out.
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chemistry
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Dec 11 2010, 09:03 AM
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QUOTE(hye @ Dec 11 2010, 08:19 AM) If you ask for a conversion for a purchase to installment plan from any bank, most of the time it'll be never be 0% ... Period. The only exception to this is CIMB installment plan for education and medical fees if I'm not mistaken. They are Education, Hospital, and Insurance premium which can be converted to 0% instalment plan. Subject to minimum RM1,000, and valid till 31-12-2010. Advice for lung85: If you have not prepared enough fund to buy DESIRE, you may want to put it on hold until you get prepared. If you already have raised enough fund, but wish to seek instalment plan (which only PBB cc can offer) , you better pay in full.
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chemistry
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Dec 11 2010, 11:36 AM
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QUOTE(persistence85 @ Dec 11 2010, 10:33 AM) redeem parkson voucher worth RM100 for 24, 000 bonus points. how come i get charged with RM8 for courier service? which bank are you talking about?
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chemistry
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Dec 11 2010, 02:10 PM
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QUOTE(ronnie @ Dec 11 2010, 01:50 PM) That's it... Going to convert my SCB Platinum Visa to SCB Business Visa Platinum.... let's hope can waive the GST :-) Is the 0.5% cash back creditted at the end of the statement date monthly ? The RM25 Cash-back is upon request, right ? Are the Choicepoints evergreen ? No it's not evergreen. Only SCB VI ChoicePts is evergrn. RM25 cashback is not a gift but a redemption item, you need 5,000 pts to redeem that.
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chemistry
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Dec 12 2010, 10:27 AM
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QUOTE(persistence85 @ Dec 12 2010, 09:57 AM) I think just pay your credit cards bill in full or just do balance transfer  Second that. Settle cc debt in full is top concern now. Somemore he said he has the money to cover. Added on December 12, 2010, 10:41 amQUOTE(Centurion Lee @ Dec 12 2010, 08:09 AM) Yes, most people were being conned into signing up for credit cards due to desperate promoters. I was at The Curve last October where I met this HSBC Senior Card Sales Executive. After listening to his explanation on the promotion of the HSBC Visa Platinum, such as cash bonus of RM50 on 1st swipe to cover the GST and 10% cash back on the 1st RM650 spend, I also signed up for the application. The promoter was so confidently told me that next year's GST will be cancelled. That was before the 2011 Budget was announced. When I received my new card on the same month itself, I did the necessary spending wait for the GST and other rebates to be credited back on the following month statement. Still no refund on first month. Tilll this month, there's no refund being given. So I called up the Customer Service and they are unaware about the promotions. I cancelled the card on the spot. My advice to all who wants to apply credit cards, please be careful when you meet this kind on unscrupulous promoters.  never listen to card sales. any promo pls refer to bank's website. This post has been edited by chemistry: Dec 12 2010, 10:41 AM
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chemistry
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Dec 12 2010, 11:16 AM
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QUOTE(winner @ Dec 12 2010, 10:45 AM) Yes, SCB Business VISA Platinum is one of the best Platinum cards in the market. This card offers many other benefits. I have already highlighted these in one of my previous postings. I have swiped my CCs for transactions less than RM10 at Parkson, Jusco, Sogo, Isetan and Coffee Bean. I won't use cash so long as the merchants accept payment via CCs regardless of whatever amount. However, most of the smaller merchants only accept CCs for a specific amount spent. Agreed. SCB Business Plat will be my secondary cc next to Ocbc Ti. FYI, all Econsave outlets accept cc for bill amount above RM80. In my hometown I see many hawkers sapu groceries as if no need money (LOL), and they pay CASH! (walao, wat a waste they don't use cc!)
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chemistry
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Dec 12 2010, 07:17 PM
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QUOTE(firee818 @ Dec 12 2010, 06:58 PM) I got CIMB Petro Gold Card, the card gives me 0.5% on retail purchase. Any point for the retail purchase as my statement don't appear any point for any purchase and just rebate of 0.5%. That rebate is all you get. No points for CIMB Petronas cards. AFAIK, SCB Business Plat and Alliance Plat give reward point and cashback together. Most point-based cards let you redeem RM50 cash voucher using 10,000 pts. That is actually equivalent to 0.5% cashback. Dont you agree?
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chemistry
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Dec 13 2010, 12:09 AM
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QUOTE(chemistry @ Dec 7 2010, 03:04 PM) The only strength of DA MC is that its rebate capping is based on ' per brand per card'. That means a DA MC cardmember can earn RM50 for fuel, RM50 for KFC, RM50 for Guardian, RM50 for Tesco, RM50 for Giant, etc... I must take back my words. Sorry guys. Please read the following email correspondence. Dear ______,
Thank you for your explanation. However, for better illustration, please allow me to assume a scenario. Let say I spent RM500 at KFC, RM1000 at Guardian and Tesco during a weekend, does it mean I can earn RM50 for purchase at KFC , RM 50 for purchase at Guardian and Tesco, thus making up a total of RM50+RM50+RM50 = RM150 ? This question is very important to me. Really appreciate your feedback then.
Thank you.
Regards,------------------------------------------------------------------------------------------------- Dear Sir/Madam,
Thank you for your email. Please be informed from the scenario given RM 50 (maximum rebate) will be credited to your credit card statement. Thank you for banking with us and have a pleasant day!
Regards,
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chemistry
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Dec 13 2010, 10:47 AM
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QUOTE(leozai @ Dec 13 2010, 10:36 AM) lol.. public bank CC seem not dat famous... coz nvr aw many holding it... btw... AMbank Allow 36month EPP... this da attract point i think. Added on December 13, 2010, 10:37 ambtw... did u guys experience applying SC , HL , Eon n UOB CC??? which 1 process faster??? about how long? i must say SCB is very efficient. Got their Business Plat within 5 days from sending out the application form.
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chemistry
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Dec 13 2010, 11:42 AM
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QUOTE(leozai @ Dec 13 2010, 11:04 AM) lol... u apply by document or 1yrs old CC??? XD i'm applying for SCB CC also... coz saw kinda many discount & promo for SCB card...XD... applied last wed... hope to get it asap... den go enjoy da jogoya rm1 for 2nd diner~~^^ I didn't attach payslip but a 3 years old DA Mastercard. @Persistence85, After 1 year will you still consider SCB even without welcome bonus??
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chemistry
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Dec 13 2010, 12:03 PM
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QUOTE(persistence85 @ Dec 13 2010, 11:46 AM) Nope, if no welcome bonus. Will definitely go for SCB if only the promotion welcome bonus is still valid. Well, nobody here can tell me either public bank or ambank credit card is better?  I realized that PBB & Ambank used to launch cashback promo which is subject to a maximum aggregated amount. Cardmembers will never know if they are entitled to bonus or not, and keep using the card. Sometimes the promo is only applicable to the first XXXX eligible cardmembers, which the ranking is unknown.
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chemistry
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Dec 13 2010, 12:17 PM
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QUOTE(romariotan82 @ Dec 13 2010, 12:05 PM) Hi , Wan to ask wthether have guys try out to pay the TNB and Syabas bill in advance ? Example. the current bill is Rm 80 .00 and wan to pay RM 500 . Will the RM 420 treated as the deposit or this money will be used to deduct the subsequent bill The reason i ask is to get the cash rebate 3 % from the OCBC Internet Banking which is going to end at 31 Dec 2010 I did that. Now my tunggakan is Negative (LOL). After making a prepayment of nearly 5 months electricity bill amount, I'll BT to CIMB. P/S: OCBC also offers extra 2% rebate for selected cardmembers who pay UTILITIES BILLS using OCBC Online. This translates to a total of 10% cashback for Titanium cardmembers.
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chemistry
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Dec 13 2010, 12:28 PM
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QUOTE(erry- @ Dec 13 2010, 12:19 PM) dont trust them! its better to have black&white (example they mail/fax u the offer regarding free upgrade to another card with no gst). so if they still charged u the gst u can fight back with that documents, rather than fight with "previously i called and the cs told me no gst" (no proof, unless u record the conversation)  yes u can. no problem. cannot. only for outstanding. or wait for ur next latest statement 1st before do the bt. Second that. Everything must have proof. Voice recording isn't strong evidence because Lingam had taught us all a great lesson. Btw, I'd like to share my experience of card upgrade. When I was still holding DA Gold, I inquired DA CS whether can upgrade to Plat without incurring Gst charge and migrate all the reward points to new card. I got an affirmative reply in B&W. And the things went on in order as advised by CS.
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chemistry
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Dec 13 2010, 01:27 PM
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QUOTE(erry- @ Dec 13 2010, 01:23 PM) previously at Petronas Saujana Kajang (near McD), i want to use my CREDIT card at pump but got message there "Please see the cashier.." at the screen. When I go inside and give the card to the cashier, she ask me to use at the pump! i told her cannot use at the pump, then she said cash only inside Same case with our friends here: BTW, Alliance You:nique, u can choose either want rates/rebates/rewards benefits. Cash term is only applicable to items in the mart. Only FUEL purchase allows CC payment, either at the pump or at counter.
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chemistry
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Dec 13 2010, 01:46 PM
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QUOTE(erry- @ Dec 13 2010, 01:36 PM) I CAN ALWAYS SWIPE INSIDE ESSO GRAND SAGA FOR NASI AYAM, RM4.60  Maybe ExxonMobil let the station operator decide the payment policy? I know many other stations can swipe inside but what can I do? I only pump Mobil.
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chemistry
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Dec 13 2010, 01:52 PM
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QUOTE(erry- @ Dec 13 2010, 01:48 PM) i also only pump esso/mobil. so far never had any issue to swipe all around malaysia  Maybe you will want to come to my lovely hometown and experience it. LOL. Just kidding~ To me it's OK lar. I go to Mobil to pump petrol only. Perhaps I should go to hypermarkets to buy engine oil, can earn 5% cashback too, haha. I only buy Engine oil from trusted source such as hypermarkets and stations. Never buy from workshops and spare part shops, it's too risky unless you know their suppliers personally very well. This post has been edited by chemistry: Dec 13 2010, 01:54 PM
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chemistry
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Dec 13 2010, 02:36 PM
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QUOTE(vinothrao84 @ Dec 13 2010, 02:21 PM) hi guys, i sign up for an SCB Platinum/Gold card almost a month back. in return, last week, i receive SCB Business Gold card in a envelop that says "You have receive a your Platinum card".... but there is no single details abt what are the benefits/privileges of the gold card. could any one please list out the benefits/privileges for Business Gold card? thx... For accurate results, please visit the bank's website at www.standardchartered.com.my
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chemistry
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Dec 13 2010, 06:27 PM
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QUOTE(tzeling @ Dec 13 2010, 04:55 PM) I don't understand the reply from the bank CS. Does she/he mean that RM50 is the maximum rebate for ALL (kfc/guardian/tesco/etc)? btw, for DA card right, 2% rebate during the weekend..isit 2% plus points or only the rebate itself? that means, the maximum rebate you can get in a month is RM50, no matter how much you have spent. The capping is applicable to petrol rebate as well. despite lose out to ocbc Ti, DA MC is still a good card to keep.
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chemistry
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Dec 13 2010, 07:34 PM
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QUOTE(erry- @ Dec 13 2010, 06:33 PM) but in my statement, each rebate is on different name. i got: 0038 REBATE-GIANT, 0038 CASH REBATE-TESCO PROMOTION, and 0041 REBATE-PURCHASES AT PETROL STN. but so far if i total all the rebate (within 1 month statement), never reach rm50  I got what you meant. I too never manage to achieve RM50 cashback using DA card.
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