hehe

regarding the winners, i disagree. coz there will be other people who will swipe more on feb, march and april.

swipe till reached CL, then pay those recent transaction, so CL will be increased back and can swipe more

example CL is rm30k, on this month february swipe rm25k, pay immediately, swipe another rm25k, so total for this month statement is rm50k already

This post has been edited by erry-: Feb 2 2011, 12:57 AM

yes and no.

yes = item price + 9% then divide 12/24 months is what u need to pay monthly.
no = if u pay min payment only, then the installment balance will be charged with interest like other purchases!

u swipe rm5000, then convert to 24 months, u will be charged additional rm900 then monthly will be rm245.83.
meanwhile, u also swipe rm450 so ur total bill will be rm695.83 and u must pay this in full!

if u just pay rm50 (min payment), then not just rm645.83 will be charged with interest, but the installment remaining balance (rm5654.17) will be charged too!

u at 1st seems like want to 'save interest' on rm5000, but u already 'pay extra' rm900.
then, if u dont pay full, u will 'pay another extra' for the balance of that rm5900 (also for other purchases).



so, again, pay all amount of statement balance. ok?

This post has been edited by erry-: Feb 2 2011, 01:20 AM

ok. good

but, if u looking for convert-to-installment plan, better use other bank.
PBB give free for 6 months, or 1.5% for 12 months, or 5% for 24 months.
AMBG give free for 6 & 12 months (limited promo till 31/3).
Alliance also give free for 6 & 12 months (limited promo till 28/2).

far lower rate than mbb ~

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Added on February 2, 2011, 1:42 amoh another 1 is CIMB, 4% (20 months) / 5% (30 months) - till 30/6.

This post has been edited by erry-: Feb 2 2011, 01:42 AM

petronas, not all station accept amex at pump. u need to swipe inside.

oh yea. sorry i not using petronas.
but what i mean is not all petronas station accept amex

yes u can cancel it.
but rather than ikhwan petronas, better go for ocbc titanium mastercard, 5% cashback for ur petronas

This post has been edited by erry-: Feb 2 2011, 10:27 PM

err... esso/mobil smiles only 1.5%

dont say unfair. still the same AMEX

just cancel ur card after received the cashback. if let say need to renew 1st, only rm50 gst.
that rm50 can be covered by the 15% cashback, or by the new amex mbk2

since cant convert, just apply new lah.

so u will have current amex + mbk2 amex + mbk2 visa.
whats the prob?

again, ignore that gst already paid, coz the new mbk2 amex can cover it back.



This post has been edited by erry-: Feb 3 2011, 03:34 PM

current amex without maybank logo of coz cant convert to new mbk2.

amex without mbb logo using MR, while amex with mbb logo using TP.

the points now is u can convert.

now, go just the new mbk2 plat.

for ur current amex plat, wait till u get all ur cashback, redeem all ur MR, then just cancel it.

done ~

This post has been edited by erry-: Feb 3 2011, 05:18 PM

wah plat CL only 12k? 3 years ago my HSBC and DA gold card get 2x than u

nvm. now if u want to apply for this mbk2, apply with supporting docs:

# Latest BE form with official tax receipt
# Latest 2 months' salary slips (must be at least rm5k/month)
# Latest 3 months' savings account activity/current account statements

yes. but visa only 1 point while amex is 5. plus amex got 5% rebate if using it on weekend.

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Added on February 3, 2011, 7:25 pmbetter go to petrol station that accept amex.

using amex for pump rm80 can get 400 points + rm4 cashback (if on weekend).
using visa just get 80 points.



This post has been edited by erry-: Feb 3 2011, 07:25 PM

swipe then convert will be charged 9% annum!

if BT then yes its no interest.

welcome to maybank

YES there are other bank that offer convert to installment (flexi payment) for free, such as pbb (6 months), ambg & alliance (6 & 12 months)

but then, amex dont have this flexi payment plan features, and also dont have installment purchase plan (IPP) offered by merchant.
so, u need to find merchant that offer IPP for maybank then can only use ur mbk2 visa there (1 point only)

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Added on February 4, 2011, 12:22 ambut if refer to https://www.maybankard.net.my/terms.html (#7) - it didnt stated that using card at petrol station wont get points.

while hsbc, it clearly stated that no points for transactions at petrol stations - http://www.hsbc.com.my/1/2/miscellaneous/h...-and-conditions (#4)



This post has been edited by erry-: Feb 4 2011, 12:22 AM

i like more on last year promo 20% for groceries and petrol

regarding the esso/mobil, that time i did wrote complete details - only selected esso/mobil at kajang area from oct-dec offer 2x points, which equal to 3%, not 2.5%

ok tomorrow i will go to kuantan, so i will pump using my mbb visa (non-petronas) and let u guys know later ~

This post has been edited by erry-: Feb 4 2011, 07:27 PM

my mbb visa now is -rm22 (since maybank give rm50 to cover gst which i already paid 1st before due date).

so i will pump rm30 at esso. at least got 30 smiles points and a chance to win perodua myvi

my normal mbb visa, GST had been charged early than annual fee!

how can GST being charged if not even the date of annivessary yet?

nvm actually, coz both i get the waiver (annual fee free for 3 years, gst will be given 10k TP).
but, annual fee waived within same statement, but GST credited back (auto redeem TP) after 4 months ~
now my mbb got negative balance (GST credited minus recent/unbilled transaction)

oh how can i renew etiqa thru the same num dont get that 10% rebate last dec?

nvm regarding the etiqa. will check later.

btw,

very weird today. 1st time using mbb visa at esso.

swipe (slot) at pump, declined! try again, same - declined!
(my available credit limit is 5 digits and current bill is negative, why declined? )

then go inside and try swipe rm30 at counter - approved!

now just arrived at home, check m2u online, no recent transaction, still -rm22.70
so need to wait till the esso transaction appear and will see the TP ~

OT = traffic jammed very bad from bentong to genting sempah! usually 15mins but tonight 7pm need 90mins!

This post has been edited by erry-: Feb 5 2011, 10:40 PM

not sure yet. have u done it before?

thats why i go try rm30. hopefully can get 30 TP. haha

of coz OCBC Titianum MC can pay Maxis bill, and get 5% cashback.

Its not recommend basic salary amount, but minimum basic salary amount, which is RM3000 per month.

yes also applicable for UOB ONE Card, except Harvey Norman, and for UOB ONE Card, BHP is 2%.

previously, San Francisco Coffee 10% and GSC 5% are only for ONE Card

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Added on February 7, 2011, 2:54 pmcomplete details here - http://www1.uob.com.my/webpages/SmartCash/merchant.htm

This post has been edited by erry-: Feb 7 2011, 02:54 PM