go call their helpline and ask which branch accept it. or ask if got autodebit with amex


This post has been edited by erry-: Jan 31 2011, 10:07 AM

sms at 10:01, delivered, sms replied 10:03 (all maxis time, not my phone time).
maybe yesterday got so many hsbc spender

yes, the form is available here.
enrol min 3 services and get 10k MR / 10k TP

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Added on January 31, 2011, 10:52 am10k TP/ MR bonus offer valid till 15 March 2011 only ~

This post has been edited by erry-: Jan 31 2011, 10:52 AM

oh Amex Gold Credit also get Access to Plaza Premium Lounge.
but got terms like ambank, only can access if charge above RM2,000 for air tickets or travel packages booked through AMEX Gold Travel Service partners ~

oh ok. my mistake. yes its AMEX Gold Card (not Credit)

during last year promo i did get cashback of total rm60.
that time swipe min rm100, sms, and get back rm10.
but current promo limited to rm17k/day. thats why so fast overwhelm

why not going to ambank carz?
also 2% for all petrol station.
but its free for life (no conditions attached). so u save rm70/year. min salary is rm24k/year (u qualified).
and ambg give rm50 cash to new cust (must spend rm350 within 2 months) - so can take this to cover gst.



he did mention shell

This post has been edited by erry-: Jan 31 2011, 04:39 PM

if i'm not mistaken, OCBC did have Flexi Payment Plan. call them for more info.

but then, ur understanding regarding min payment and no interest are wrong!
IF U NOT PAYING FULL BALANCE STATEMENT, U WILL BE CHARGED WITH INTEREST!
even pay less than 1sen! remember, always pay full!

1st, if ur card is new or less than 1 year, then its 17.5% interest p.a, not 13.5% ~!

13.5% is for card user who never missed min payment on due date for whole previous year (12 months).
if u consistantly paying more than min 5%, then u will get 13.5% starting from SECOND year.

another thing, the interest is NOT ONLY charged to statement balance, but also for current/recent/unbilled transaction!

let say ur 1st bill is rm1000 and u pay only rm50, and before next statement u also swipe another rm1500.
so, not just rm950 balance will be charged with interest, but also the 'new swipe' of rm1500!
total rm2450 will be charged with interest!

2nd, 0% installment by merchant is really 0%, u just need to pay fixed monthly amount divided by period of installment.
but, some shop do charge additional 1 time fee from the total amount, example 2%.
let say, u want to buy rm1000, but swipe amount is rm1020 (after 2% charge), then monthy will be rm85.

This post has been edited by erry-: Jan 31 2011, 04:44 PM

sorry about that. already edit.

its bcoz i want to separately reply for ultra_nyamuk. if combined then it will be a very long post.
but accidently replied u 1st. opening too many reply tabs

ur welcome.

read at OCBC website, yes, their Flexi Payment Plan only offer for selected merchant.

if for Flexi Payment Plan, yes its nto commonly accepted.
but if u swipe full amount, then u can swipe at anywhere that accept Mastercard (hypermarket, petrol station, utility bill, restaurant, etc.)

This post has been edited by erry-: Jan 31 2011, 05:12 PM

not sure if can redeem at toyota center or not. last time i call ambg helpline the agent also dont know

no need another card since that ambank carz can use at bali too.
for <rm30k/year salary, there is no card that can give more points / rebates for oversea spending

correct me if i'm wrong

carry many cards but pay in full amount is good

etiqa 10% rebate is only applicable if u apply online via motortakaful.com but online only accept visa and mc.

AMEX Gold Credit Card is offered by maybank, but dont carry the maybank logo.

if u refer to here, then ur answer is yes.

It give u 5x MR points on petrol, so equal to 2.5% cashback (200 MR = RM1)
but the minimum income is RM30k/year.

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Added on January 31, 2011, 6:18 pmgo apply credit card that need only 3 months salary slip without EPF, such as CIMB.
after 1 year, use that card to apply for another card ~

This post has been edited by erry-: Jan 31 2011, 06:18 PM

student which is at least 21 years old and have income at least rm18k/year, then no problem to apply.
if dont meet both requirement, then just use debit card.

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Added on January 31, 2011, 7:58 pmu can try to apply. no harm.
next time they call u, just agree

This post has been edited by erry-: Jan 31 2011, 07:58 PM

yes etiqa accept AMEX.
i point out about 10% discount from etiqa, which is only given for online renewal, but their online system only accept visa and master for credit card payment.
to use AMEX, either go to etiqa office or by phone, will get 5% weekend rebate and 5x point,
but wont get the 10% online discount. ok?



This post has been edited by erry-: Jan 31 2011, 09:47 PM

i'm using etiqa on more than 1 car.
regarding 10% rebate, 1 car renew by phone didnt get it, while other cars renew online yes

This post has been edited by erry-: Feb 1 2011, 02:59 AM

ur welcome ~

PBB Executive (points) / PBB Classic (cashback)

This post has been edited by erry-: Feb 1 2011, 11:43 AM

welcome. yes it is shared.
from PBB website: "Where the Cardmember operates two or more cards with the Bank, a total Combined Credit Line will be extended to cover the use of all cards".

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Added on February 1, 2011, 12:12 pmoh u can also try AMBG RealRewards Gold MasterCard. Free-For-Life (no conditions attached).

PBB card need to swipe 1x/month for 12months to get annual fee waiver on 2nd year (1st year free).

This post has been edited by erry-: Feb 1 2011, 12:12 PM

he didnt mean to get master from the same bank.
he asking about mastercard with 18k/year income. then i reply pbb.
dunno that he already have visa from pbb.
then i also suggest ambank realrewards~

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Added on February 1, 2011, 12:57 pmmaybe he want to join mastercard promo

This post has been edited by erry-: Feb 1 2011, 12:57 PM

aiyork. he already stated rm18k/year.

DA min req is rm30k/year (for graduate) or rm24k/year (for affinity / joint marketing partners)

ok. fulfill requirement and bank still reject - thats me, again! haha

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Added on February 1, 2011, 3:03 pm"Top 300 Cardmembers of the highest spend with a minimum of RM15,000 till 31/5 will receive one 16GB Samsung Galaxy Tab"

got 4 months from now, need to spend at least rm3,750/month to qualify

but, i believe, there are more than 300 people who are willing to swipe more than that amount

This post has been edited by erry-: Feb 1 2011, 03:03 PM

in terms of cashback, yes amex beat visa.

thats why MBK2 offering amex + visa/mc

30k should try to apply MBK2 Gold.
better cash rebate, 5% on weekend (max rm50/month). other day, 5x points (equal to 2-2.5% cashback via voucher)



This post has been edited by erry-: Feb 1 2011, 06:19 PM

its not applicable for amex!
but my advise, dont use that. why u want to pay additional 9% interest p.a?

zenquix, i think what ronnie want to tell with "few days before 1-Feb 2011" is:

if some1 statement date is 14th each month, then swipes between 15-31 jan will be posted on feb statement, so its qualified already.
coz the terms - "must be posted on the Maybankard 2 American Express Card within the Campaign Period".
not must be swiped. ok?

so, some1 who swipe rm15k after jan statement date will get more chance to win it.
coz if he/she swipe another rm5k only this month (feb) then accumulated amount already rm20k.

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Added on February 2, 2011, 12:44 amno. it will be 1 time charges only and no current interest.

what i mean if u swipe rm5000 then just pay rm5000 on next due date.
why do u want to add rm450 or rm900 just to pay monthly (12 / 24) installment?

if u really want to do installment, then go find merchant/shop that offer installment for maybank.
no need to pay that extra 9% ~!

we use credit card to get extra money from bank (cashback / rebate), not give extra money (interest) to them!

This post has been edited by erry-: Feb 2 2011, 12:54 AM