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 Credit Card v13

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staind
post Dec 18 2010, 10:53 PM

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Added on December 18, 2010, 10:54 pm
QUOTE(erry- @ Dec 18 2010, 06:15 PM)
if really looking for petronas rebates, told already.

mbb petronas = swipe rm2200 can get rm10 only!
cimb petronas = swipe rm2200 can get rm44
da mastercard = swipe rm2200 can get rm44
ocbc titanium = swipe rm2200 can get rm100 / rm50 next year (based on max capped)

so, why mbb? tongue.gif
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Correct me if I am wrong. for MBB Petronas card, you will get 5X points. This means that RM2000 = 10000 pts = RM50.

It is better than CIMB Petronas, no?

This post has been edited by staind: Dec 18 2010, 10:54 PM
staind
post Dec 18 2010, 11:24 PM

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QUOTE(erry- @ Dec 18 2010, 11:00 PM)
1st, apologize coz i put petronas voucher rm10, it should be rm50notworthy.gif  notworthy.gif  notworthy.gif

but, to redeem rm50 petronas u need 11000 tp.
to get 11000 tp, u need to swipe rm2200.

cimb, swipe rm2200 get rm44.
but, cimb swipe on 1st day is 5%.

if u swipe rm100 on 1st day, u already get back rm5.

so +/-, for me, cimb win smile.gif
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I checked their website, it seems that I can redeem RM50 voucher using 10000 pts or less depending on the outlets that I am interested to. smile.gif
staind
post Dec 18 2010, 11:30 PM

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QUOTE(erry- @ Dec 18 2010, 11:10 PM)
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 whistling.gif

(rm36 from pbb + rm15 from smiles points)  thumbup.gif
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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


Added on December 18, 2010, 11:32 pm
QUOTE(persistence85 @ Dec 18 2010, 11:26 PM)
lol  laugh.gif


Added on December 18, 2010, 11:27 pm

confusing, which one is correct?  rclxub.gif
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You may check their website.

Treatpoint Website

This post has been edited by staind: Dec 18 2010, 11:32 PM
staind
post Dec 18 2010, 11:56 PM

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QUOTE(erry- @ Dec 18 2010, 11:46 PM)
oh again my mistake. typo error notworthy.gif

should press 2 but 1 so become 15/1/2011 then i just calculate till january sweat.gif

so got 9 more tuesday.

but again, i'm not using petronas whistling.gif

we talking about fuel rebates not other vouchers! sweat.gif

btw, funny, there is no petronas voucher at https://www.maybankard.net.my/index.php
why eh? correct me if i'm wrong

but at http://www.maybank2u.com.my/mbb_info/m2u/p...=null&pageNum=1 got rm10x5 for 11000 tp sweat.gif

yes u are correct regarding the reward points given by the petrol station (smiles & mesra).

to get rm10 petronas from mesra card, u need to pump 1000 litres which for ron95, its rm1900 sweat.gif
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Ohh.. paiseh paiseh on the fuel rebate. wink.gif
staind
post Dec 19 2010, 12:17 AM

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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?

This post has been edited by staind: Dec 19 2010, 12:18 AM
staind
post Dec 19 2010, 12:27 AM

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QUOTE(erry- @ Dec 19 2010, 12:19 AM)
i noticed it since early december.

u cant ask to waived gst. even if u are current customer. what bank can offer is give free points to redeem the gst.
if new card, dont ever dare to dream ~ tongue.gif
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Before Dec, their online form no option to select PBB Esso/Mobil Visa Gold right? Really rugi the 8%. I hope not mah eyes that is having problem, causing me to miss that.

staind
post Dec 19 2010, 05:07 PM

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Regarding PBB Esso/Mobil, may i know if the additional 3% cash rebate on top of the tier is applicable for retail purchase?
staind
post Dec 21 2010, 09:46 PM

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QUOTE(erry- @ Dec 21 2010, 06:08 PM)
nowadays, even i use my DA to purchase online at 1am for only RM34.xx (after convert), they will immediately call me to verify.
maybe bcoz online transaction, and at midnight.

same goes to HSBC, i swipe rm9k 1 shot and they immediately call me to verify too.
but if swipe 2k, 3k, they never call sweat.gif

even DA, previously i swipe (err, slot, actually?) my card twice at esso pump, they immediately blocked the card.

usually bcoz of smiles card cant be read (esso, credit card 1st then smiles card. shell, bonuslink 1st then credit card).

so at esso credit card already authorized, but smiles card cant read, so i cancel it.
when i swipe (slot) the DA card for 2nd time, declined! sad.gif
i immediately call the bank and they told the card had been blocked (afraid for unauthorized use for petrol).
i verify it and ask them to unblocked it.

this happen to me 2x in a same day! i pump once at morning and again at night.
solution: redeem points till finish and apply new smiles card laugh.gif

(my 'damage' smiles card cant be read at petrol pump but no problem if swipe at cashier inside sweat.gif)

this story happen b4 pbb offer esso/mobil  blush.gif
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I want to share my experience with MBB card as well since so many ppl sharing biggrin.gif . This event does not incurred any loss to me but I feel that their the way their system work does not offer any security to us.
I used my MBB CC to purchase a 2K DELL laptop for my gf. The purchase made under her name but paid using my card. That was the first time i made an online transaction. The purchase went off successfully and MBB did not call me to verify the transaction. A few days after receiving the laptop, I found that my card was blocked. So, I call their CS and was told that they blocked my card as they can't verified that I made the purchase. Reason given, they can't reach me through my cell but in actual, there was no call from them. Another few days later, I received a mail from them saying that my card was blocked due to unauthorized online transaction.

The thing here is that they blocked my card after the laptop had already been received and payment being charged to my card. Just imagine if someone misused my card.
staind
post Dec 21 2010, 11:16 PM

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Normally when you apply 5 cards at one shots and so happen all 5 approved. If you somehow have a change of mind and decided that you do not want it, does it incurs any RM50 GST cost to you that you must pay?

The reason I am asking this is that I can see that my newly collected PBB Esso/Mobil card's GST is based on their approved date. Not my collection date. I am planning to apply OCBC Titanium. This card is much better compared to PBB Esso/Mobil. Regret that I didn't know abt this card earlier.

This post has been edited by staind: Dec 21 2010, 11:20 PM
staind
post Dec 22 2010, 11:55 PM

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Off topic.
Persistence85, seems like you are in the headline.click here

This post has been edited by staind: Dec 22 2010, 11:55 PM

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