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 Credit Card v13

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ck_tonny
post Dec 13 2010, 02:59 PM

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QUOTE(vinothrao84 @ Dec 13 2010, 02:50 PM)
@ronnie,

yeah that's what makes me goes thinking......

i was happy to see that i've getting a platinum card.....but in reality its a business gold card.....

i can't find any info abt that business gold card.....
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Same to my case, but i just let it be, only use the card to pay utilities bills.

This post has been edited by ck_tonny: Dec 13 2010, 03:27 PM
ck_tonny
post Dec 18 2010, 04:24 PM

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QUOTE(persistence85 @ Dec 18 2010, 03:07 PM)
I think overall PB is better than AM bank, but design layout for PB not that good in looking , right? might wanna apply for pbe... brows.gif
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The only good looking card of PB is Executive MasterCard, transparent looking and change colour in different angle.


Added on December 18, 2010, 4:29 pm
QUOTE(kei18kun @ Dec 18 2010, 02:48 PM)
anyone know what is the promotion for MBF cards that says can use RM2000 and no need to pay up to 3 year just the minimum amount
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I heard this promo before from the promoter in Tropicana City Mall, utilise not more than RM2000 credit limit will enjoy free interest charge if pay minimum amount for the period of 3 years, and RM50 cashback is given to offset GST for new applicant.

This post has been edited by ck_tonny: Dec 18 2010, 04:31 PM
ck_tonny
post Dec 18 2010, 04:35 PM

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QUOTE(chemistry @ Dec 18 2010, 02:50 PM)
Oh really. MC i have Ocbc Ti & DA. Visa I have SCB Business. Sometimes feel like wanna cancel DA but it has its own benefit which stop me to do so.

I like the design of SCB Plat MC, but Business Visa offers extra 0.5% rebate. What a dilemma.
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Previously I also plan to cancel my DA MasterCard but their privilege stop me to do so, and I am willing to fork out RM50 to retain the card in wallet, biggrin.gif


Added on December 18, 2010, 4:37 pm
QUOTE(persistence85 @ Dec 18 2010, 04:34 PM)
When you hold the real card, you will see the different, the image shown in website is different from real card.

This post has been edited by ck_tonny: Dec 18 2010, 04:37 PM
ck_tonny
post Dec 18 2010, 04:46 PM

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QUOTE(David83 @ Dec 18 2010, 04:40 PM)
Example of the DA MC privileges that so attractive?
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Petrol rebate, weekend rebates and restaurant discounts.
ck_tonny
post Dec 18 2010, 04:54 PM

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QUOTE(persistence85 @ Dec 18 2010, 04:48 PM)
you own the card? i read through the credit limit, minimum rm2k.. not so wise.. hows ur credit limit if u own the card and whats the real color of the card?
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I hold the card before and canceled it 2 weeks ago, limit given is RM6,000. There is 5 colours embedded in the card, and colour will change from different angle.

This card only enjoy reward points, thus no cash megabonus like other PB cards.


Added on December 18, 2010, 4:56 pm
QUOTE(David83 @ Dec 18 2010, 04:47 PM)
DA MC is not my primary card. Even they're lucrative, the only reason I'm still keeping my DA MC is their BT deal and the limit they offered to me compared to MBB.
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The limit given by DA to me is the highest among my other cards, so which is ur primary card?

This post has been edited by ck_tonny: Dec 18 2010, 04:56 PM
ck_tonny
post Dec 18 2010, 05:45 PM

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QUOTE(David83 @ Dec 18 2010, 05:06 PM)
MBB Ikhwan AMEX is primary CC for everything except petrol

MBB Petronas Visa is meant for petrol, autopay/auto-debit, installment and places which do no accept AMEX.
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I set my AMEX gold credit card as primary card before, after 1 year of usage I putted it into drawer due to low acceptance. Good news is 15% cashback is back again, and MR points that I earn can cover 2 years GST.

Now left only DA MC and HLB visa in my wallet.

Any new privilege from MBB Petronas Visa? (owned it before and canceled it in Feb this year)


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
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If my memory serve me right, they dun offer any cashback to offset GST for this card.
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
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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.
ck_tonny
post Dec 21 2010, 06:27 PM

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QUOTE(yhtan @ Dec 21 2010, 06:16 PM)
I notice they will monitor on your spending habit, for 1st time spending on internet transaction and huge amount, normally they will call and verify
it happen to my mum when she took Citibank CC to buy plane ticket, immediately called up and verify rclxms.gif
2nd time swipe in Thailand, didn't inform Citibank prior that and bought some jewelry and they immediately called up as well, lucky my mum phone was on that time thumbup.gif

Maybank? didn't call up to verify at all and my parent had been using for around 20 yrs
if i'm not mistaken is the Malaysia Airline Maybank credit card
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Malaysia Airline Maybank credit card? how it looks like?
ck_tonny
post Dec 24 2010, 12:21 PM

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QUOTE(jeff_v2 @ Dec 24 2010, 12:15 PM)
hi,
how can i check my SC cc application?
if not mistaken already 3week but no news from SC?
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Call 1300-888-888, there is an option to check application status, or speak to CS directly.
ck_tonny
post Jan 5 2011, 07:44 PM

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QUOTE(roy918 @ Jan 5 2011, 06:39 PM)
Yeah, you are right if the monthly purchases is more than 5% of your BT amount.
CIMB BT doesn't not charge early exit fee as well.
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Huh really? i tot RM50 will be charged for CIMB?
ck_tonny
post Jan 7 2011, 06:39 PM

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QUOTE(MilesAndMore @ Jan 7 2011, 05:06 PM)
How troublesome ! Last time when i applied for a secured credit card from HSBC, i did not have to pay any stamp duty at all. I only had to sign on a few documents and that was it.
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Maybe OCBC has a strict internal control, they want all documents legalised, if not court will not recognised their documents, haha.
ck_tonny
post Jan 10 2011, 07:45 PM

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QUOTE(erry- @ Jan 10 2011, 04:25 PM)
if u take the cashback to cover gst
me, i signup express auto pay for tm x2 + maxis, so get 10k bonus already and can offset gst for 1st year.
and min amount for all those 3 is rm215/month which is rm2580/year.
rm2580 can get 12,900 points and can offset the gst for next year already (10k for gst).

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How nice american express nowadays, last time 10k reward points for express autopay was not applicable to gold credit card.

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