if want to use installment plan, then use normal credit card lah 

i dont think that there is person who have only charge card. coz not all place accept amex

Such as ? I mean besides EON Bank, Standard Chartered and Hong Leong Bank that we already know.

right after u swipe for that brand new ferrari, amex will check ur records - annual salary, payment history, etc2 - declined 

alliance is 0% per year 

can buy brand new car with credit card eh? last time i bought proton for my dad, they said only deposit rm500 can swipe, balance asked me to make a bankers cheque

You got rebate one whole year? Wat promo is that?
Sounds like you really spent a lot

IMHO, since OCBC Ti cashback is so generous, it is just small matter to pay that IBG fee. Convenience of repayment cannot be  an excuse anymore.

er, selangor gov is under PR now
waiting with ppl inside the car oso get saman

anyway, i agreed with "definitely won't be voting for BN"

tq..i wonder how bank can earn if give such high cash rebate.

er, but is someone in the car? i never heard can saman like that
and PDRM only saman for RM30? din ask for minum ka

If my memory serve me right, they dun offer any cashback to offset GST for this card.

too bad i don't have that card 

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Added on December 18, 2010, 10:44 pmguys, normally how many years u use the card and the chip starting gonna have problem?

now got

swipe 2x within 45days and get rm50 

http://www.hlb.com.my/promo/pfs/cc_win_maz...x.jsp?s=ccpromo

with chance to get mazda 3 

essentials got 10 entries

free for life with 2x swipe/month or rm8k/year 

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.

nops. my cc have their 'own' wallet.

my hsbc card - broken (not important), plastic swipe teared, 'dirty' black spot chip, but still can use!

[attachmentid=1946719] [attachmentid=1946720]

whatever it is, i'm using pbb mobil/esso.

3% rebate (i pump more than rm500/month - including my wife car) + now extra 3% till 31/3/2011.
also! 3% rebate from esso/mobil (promo at kajang, 2x points).

so, i pump rm600 at esso/mobil, already get back rm51

(rm36 from pbb + rm15 from smiles points) 

I switched to PBB Esso/ Mobil too. I pumps around RM200 of fuel/month. So, not much saving to me. I just don't like Petronas fuel.

I also noticed that smiles pts is based on the ringgit you spend while mesra point based on litres of fuel you pump.

So basically, you will get more points when you are using Esso/mobil fuel.

Smiles points redemption = 1000 pts = RM15 while,

Mesra points = 100 pts = RM1.

Lazy to do the maths but agak agak is PBB Esso/Mobil + Smiles Card >>> MBB Petronas + Mesra Card

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Added on December 18, 2010, 11:32 pm

You may check their website.

Treatpoint Website

I'm curious if you say its not in good condition, will they replace the card immediately?

hey i'm living in kajang.
grand saga both way got 1 each.
next to kpj / kompeks kota kajang got 1.
opposite tmn zamrud (heading to semenyih) got 1.
sungai chua also got 1.

somemore, grand saga and next to kpj offer 2x points!

no harm to go to the kompleks kota kajang/kpj there. 2x points!

esso at bangi (near plus exit kajang) also offer 2x points 

ah. I tried to apply online for my PBB Esso/Mobil but previously their online form no PB Esso/Mobil Visa Gold. So, i submit manually. Rugi the 8%. Today check got already!!

Anyone tried call the CS to waive the RM50 GST?

I'll do it on Monday then...
Am thinking maybe cancelling the card hoping they will offer me tax waiver as well as getting a brand new card...

Talking about big swipe, I had done enough survey before swiping a huge amount for partial downpayment of my recent property purchase. I needed to pay RM80,000 within 2 weeks and the developer accepted MC or Visa, but not Amex. During that time I only had Amex Gold cc, OCBC Titanium and SCB JustOne Titanium. I wanted a card which could give maximum rebate for the big swipe. I shortlised HLB Visa Essential, PBB Platinum and SCB WMC. HLB Visa Essential does not give cash back to offset the service tax for new card, while PBB Platinum's cash back and points are based on complicated tier system and PBB could not guarantee to deliver the card within 2 weeks. In the end, I applied for SCB WMC and received the card 14 days later. SCB gave me 30,000 points as a welcome gift. Soon after I received my SCB WMC, I paid the partial downpayment using SCB JustOne Titanium (RM10,000 for 5% cash back) and SCB WMC (RM70,000 for 2x points or 1% cash back). For those who are familiar witn SCB JustOne Titanium should know that this card gives 5% cash back for all types of purchases made on Fridays and the maximum cash back per year is capped at RM600 per month. The reason I swiped only RM10,000 on SCB JustOne Titanium was that I had already spent more than RM5,000 and SCB JustOne Titanium needs an annual spending of RM15,000 for AF waiver.

After the huge transaction was made, I immediately applied for DA VI which was given 1-hour instant approval in Pavilion. Thereafter I submitted the application for the 0% interest BT programme for 6 months from SCB to DA. By doing this, I could delay the payment but at the same time, the money that I had reserved for the payment to the developer could also keep growing in my deposit account.