Oic.. thanks for the info..so everytime b4 i pay, i ask accept cc or not first la..can earn points ma..before this i thought >RM 50 only can use cc. I did ask Mc Donald b4, but they say cash only..haha... and i found out that 1point= approx RM 0.005 for DA...

I don't need EPP 

i see public bank offer 15% cash back and AMbank 20% cash back.. 

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Added on December 13, 2010, 10:51 am

Will try SCB after my EON credit card is 1 year 

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~~^^

lol... but atleast i feel its better den tenji XD

btw... haih... i 've been wanna apply 1 more credit card since last month 14th til now... summit apps to few bank d... but til now even 1 bank also nvr receive my apps yet... wat r those ppl doing???

any1 have quite way to get CC??? need it b4 xmas .

haha... dunno consider shopping or not ... need it for IPHONE 4 EPP XD... planning to gift it to my GF

lol~~ TAO~~ i wanna try also... after jogoya...XD

i know it need 5-10 working days~~~ but ... now da problem its... i summit all stuff to da agent d..... da lastest apps i summit to da agent by last tues.... told her urgent d... but til now i call to da bank... haven't reveice my apps... once if my agent had help me to pass up da apps... it sud b on da system by 1-2 day to wait for process rite.... but til now haven't da card center receive~~~~ZzZZzzzzzZZz 1st time i apply ambank let me wait jor 3 week haven't summit... so this time i apply 4 bank at once... but 4 also haven't receive~~ZZzzzZZZ

haha.. no car no hse... 1 phone only .. ok leh... summore da phone bill pay by herself... so only iphone not really expensive lah... just short of cash right now... summore plan for EPP... so need a CC XD

just hope that you are not investing on someone else wife in the future 

I have yet to receive my EON Signature card, not free today to go branch and check if arrived but already got another telemarketer calling me to ask if want do Cash On Call or something like that where interest 3.99% upfront. But they offering only up to 50% of CL whereas HLB also calls me time to time offering cash loan for 6.99% (i think should be 6 months period) but up to 90% of my CL.

3-4K QUITE HIGH?
that is peanuts

By the way, they claim it is 0% interest but that is not entirely true. This is because they will charge 5% tax (7% next year) not only to the postpaid plan you sign up for but also to the iPhone.
You are looking for credit card with lower points needed for shopping voucher redemption right ? This is why i suggested these cards in the first place.

Would suggest you to go for Alliance Younique MasterCard as this card gives you both cash back and point (if you choose the rebate option).

It's for DiGi.

[attachmentid=1936446]

for DiGi iPhone, well I sign up for the 24 months plan earlier this year for the iPhone 3GS where the amount is charged to my DA. The iPhone is used mainly for internet and calls never exceed the allocated minutes. Then few months back was at DiGi and I asked the can I sign up auto debit for my iPhone account eventho the bill is RM0 (since I know that I get RM5 discount for my BB RM58 plan) and was informed sure. So signed up for auto debit with my AMEX Gold CC and now the iphone account has more RM26 credit    

yah, EPP and other installement plans kind make us spend more and buy stuff we would otherwise cannot afford. I have mentioned before, sometimes we get discount if we were to swipe in full instead of going for EP with merchant. Last year Harvey Norman gave me RM100 discount for a HP tablet and more than RM300 for a cloth dryer on condition I don't do 0% installements with them. Was also given discount for furniture shop at Subang Parade if don't go for installments.  
just sharing on the cash on call thingy. I just checked EON bank's cash on call. Pretty good if need cash, with the 1% cash back the interest is 3.99% for 12 months as mentioned by the telemarketer. The rate is even lower than my OD facilities. I can even make some money out of it - only if I can still get FD  with interest paying 5%. Or if want to buy car and just need loan for 1 year tenure, this may be an option as car loans minimum tenure 3 years.

By the way, you may want to wait until next month before buying an iPhone. The government is scrapping the 10% tax on cellphone (already added to the price). It means all cellphones will be 10% cheaper if you buy it next year 

Guys,now I'm pumping Esso & Mobil petrol because I feel it more convienence for me because it just near my house and BHP quite far. Shall I apply PBB Esso CC ?

next year onwards, cash rebate will be capped at rm50 a mth. so let's say i buy a TV from a supermarket, eg. Tesco, it will be billed under 'groceries shopping' so 5% lo rite? let's say TV is rm2k, 5% of rm2k is rm100!!! so i should choose to pay per installment lo, better ma like that rite? if not wasted cos capped at rm50 nia. correct? 

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?

eh? pbb offer cashback rm50/rm60 (gold/plat) for new card. consider it as gst waiver la 

go apply online to get 8% cashback on 1st statement

http://www.pbebank.com/en/features/applyCCard.jsp

actually i got one hsbc amanah card and i feel useless for this card. only 0.5% cash back which is damn small amount. if i apply pbb esso/mobil only can get 8% cash back for the 1st month right? and also they provide 0.5% for all usage?

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.

oh i'm using cc for 7 years and never know about this!

err my annual income more than this but still being rejected twice dont ask me why. go read previous thread 

since u using esso, then go apply!

its free for life with no condition. apply online so u can get 8% cashback (max rm80) on 1st statement. take it as to cover gst

I am not exactly sure where to post this. Anyhow, you can also make credit card payment using your Citibank VISA debit card at any local banks' and Al-Rajhi's ATM when they introduce this service next year.

Add Public Bank to the list. This is why they have the lowest NPL in Malaysia 

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

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!
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

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

this story happen b4 pbb offer esso/mobil 

Malaysia Airline Maybank credit card? how it looks like?

my basic pay is around 1.6k and commission maybe few hundred, I jz want to know which bank I shud go for. I wanted to go for HSBC, dunno whether it is posible.