err no idea. pls refer here - hsbc home and away privilege

This post has been edited by erry-: Dec 10 2010, 09:19 PM

dont continue with ur maybank cc! if u swipe full amount then call maybank to convert 0% installment monthly, u will be charged 9%!

as hye said, all bank that offer 0% installment after swipe full amount (then call/sms bank) got 1 time upfront fee, except for cimb/da smart flexi-pay plan (10months) and alliance bank epp (6/12 months - current promo till 31dec).

if u really want it, go find mobile shop that offer 0% installment for ur card (maybank), or go apply alliance bank.
cimb/da smart flexi-pay plan not applicable for mobilephone purchase ~

This post has been edited by erry-: Dec 11 2010, 01:49 PM

i'm in scenario 2 and my application for ocbc is rejected

btw i never applied for credit card actually. usually i got it bcoz joining something or opening bank account with them.

maybank & rhb (rhb terminated already) - join palace vacation club and they applied for me.

hsbc - open saving acc (closed already the acc, but continue using cc)

da - open saving acc. that time still southern bank, still using both bank acc (now cimb) & cc

ambank - opening current acc (closed already the cc, but continue using acc)

uob - they approach me

ocbc - this is 1st time applying cc, last oct.
1st time applied using current cc (da >3 years) rejected, 2nd time using all documents also rejected.

tell us ur result then ok?

This post has been edited by erry-: Dec 11 2010, 03:11 PM

this, u using credit card from other bank (not maybank) and have outstanding balance, then transfer it to maybank.
if u choose 12months, then no need to pay any 1 time upfront fee, and the balance will convert to 12months installment.

---

Added on December 11, 2010, 6:55 pmexample, using abc bank credit card and got rm7800 outstanding, transfer to maybank and u need to pay only rm650/month for 12 months.

This post has been edited by erry-: Dec 11 2010, 06:55 PM

the promoter just doing their sales ~

there is no way bank will waived gst for new card.
each time new card had been approved, it will be charged with the gst, no matter if not swipe yet.
but several bank offer cash back, so u can use it to cover ur gst.

make sure the free gift is worth more than rm50!

since the place u usually go ask for hsbc, then go apply hsbc ~

like me also, 1st 2 times go to baskin robbins paid via DA. the 3rd time paid via HSBC, and suprised - got 10% discount!
later always use HSBC to pay baskin robbins

more info here - http://www.homeandaway.hsbc.com

btw, yesterday (saturday) i go kfc buy only 1 snack box rm4.30 (rm4.50 after tax) then paid using DA (so later i get 10% discount on my bill). haha

yes u are.
once card issued, considered u want it, no matter if u dont want to activated it. so need to pay that gst rm50.

but, if u currently using gold card, then bank just send u platinum card (free upgrade), this 1 as long as u dont activated it, u wont be charged with gst (continue using gold). same goes to replacement card, wont be charged gst too.

cancelling wont get any penalty or charges. only if u still have outstanding amount, then it will continue with the interest (better do balance transfer).
but since u are going to pay gst rm50 for a year, so better cancel it on the 11th month.
unless, u already received enough cash back to cover the gst, so u can cancel it anytime (usually after 6 months).

see? i told u usually cancel on the / after 6 months

This post has been edited by erry-: Dec 12 2010, 03:11 AM

time for reply ~

always check with the bank website!

bank never give discount for full settlement. if yes then i would be rich now. haha

regarding paying the debt, u got 2 options - pay all ur credit card debt, or sign up new card from other bank that offer 0% for balance transfer. but dont use the new card. just pay the exact monthly payment till finish. so u get extra cash to spend/save

as long as the shop said no minimum amount to pay via credit card, then yes!
btw i swipe that rm4.50 at kfc sungai chua kajang

same. i also swipe at jusco for less than rm10. the lowest is rm1.10 ~!

conclusion - ocbc only give 1% for jusco.

so far the best rebates for jusco is ambank, on weekend got 20% (for rm100 block), but only valid till end of this year. still got 2 saturday and 1 sunday (excluding today) to go.

yes, and got 10% rebates (on bill) if swipe using da/cimb mc on weekend

This post has been edited by erry-: Dec 12 2010, 06:30 PM

no points. only rebates are what u get.

bcoz bank charge them for each transaction (example 2%) so they dont want to lose much. dats y also got shop that charge additional certain amount (1.8%, 2%, 3%) from total amount bcoz want to cover that charges. big company such as kfc / jusco might have a deal of that charge (maybe only 0.5%) coz their volume (total) sales per months. so if the shop u went stated min rm30 to swipe, then go add things to reach that min amount!

i'm using this card previously. maybank offered me 3 years free annual fee without any condition, within 3 years upgrade me to platinum then after 3 years offered me another free 3 years annual fee

but if they not offering annual fee waiver to u, then its NOT waivable ~

This post has been edited by erry-: Dec 12 2010, 09:33 PM

nops. just using it for monthly payment of palace vacation club for 3 years. now after 3 years i dont know what to do since got other cards with more benefits. will terminate it 1 month before expiry month next year.

this, better u set up new threade especially for ocbc titanium.
and no need to put petrol station coz confirm it will get 5%.

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.

This post has been edited by erry-: Dec 13 2010, 12:21 PM

it depends on where u spend, coz both got their advantages.

1. annual fee: both free for 1st year, 2nd year free with min 1swipe/month.

2. new application offer (consider this to waived gst) - spend certain amount within 1st 2 months:

ambg: free rm50 if spend rm350 (gold) / rm500 (platinum)
pbe: free rm50 if spend rm80 (gold) / free rm60 if spend rm80 (platinum)

3. extra new application offer: pbe apply online, get 8% cashback on 1st month bill (max rm80) / ambg - nill.

4. cashback promo (current):

ambg:
got rm12 annual fee.
sms to participate.
weekend only till 31/12/2010.
20% at all petrol station, block of rm50.
20% at selected hypermarket, block of rm100.
max rm80 per statement.
more info - http://www.ambg.com.my/ambank_webmedia/fil...K_GROCERIES.pdf

pbe:
no annual fee.
sms to participate.
till 28/2/2011.
15% weekdays, min rm50.
10% weekend, min rm50.
max rm100 per statement, rounded to nearest ringgit (cents wont count, example rm10.49 rebate will get rm10 only).
more info - http://www.pbebank.com/en/en_content/images/tc_db10.pdf

my conclusion: for now better go for pbe.
pbe got more cashback, extra 2 months than ambg, max cashback can get is rm300.
ambg only have 2 saturday & 1 sunday to go, max cashback can get is rm80 only.

or, just go apply both card!

This post has been edited by erry-: Dec 13 2010, 12:45 PM

if the debit card got visa/mastercard logo, then yes.
but must have enough balance inside it ok?

btw, some petrol station will 'hold' certain amount for certain time.
example if using maybankard visa debit at caltex, maybank will hold rm200 for max 48hours.
u got rm300 inside, u pump rm60, then ur balance will be rm40.
so dont go swipe something cost rm50 after that!
after 2 days, ur rm200 will be credited back.

This post has been edited by erry-: Dec 13 2010, 12:54 PM

here i help u

http://forum.lowyat.net/index.php?showtopic=1675041