go to CIMB to get the form?

or, can try using old form - http://www.cimbbank.com.my/index.php?ch=43...7&tpt=cimb_bank

stated there till 31/12/2010 only, but the rate is same, can go try

nowadays in malaysia, almost all place that accept visa can accept mastercard too. so yes, no significant diff.

the diff usually on their promo, example mastercard got promo with giant.

cimb petronas mastercard only good if u pump with petronas (2% rebate) and for others, 0.5% rebate.

if u earned rm3k/month then better go with ocbc titanium mastercard, 5% rebate at all petrol, 1% for others.

another card is maybankard 2 amex, which give 5x points everywhere and extra 5% rebate on weekend.
but this card (amex) acceptance at petronas is very2 low

look at ur statement date.

if ur statement date is 19 each month, so u need to pay that RM200 before somewhere around 6/7/8 February.

if ur statement date is 13/2, then the longer time u can take to pay it (coz the due date will be 2/3 March).

same goes to Gold. the diff are plat priviledges only, such as free golf.

u mean 1 GST for 2 card? no. other than maybankard 2, all card will be charged with GST. so u have 2 GSTs...

1. gst will be charge upon CC approval, once u received the CC, then u will be charged with GST.
2. No offer from HSBC for new card application. If you not using it yet, u can request to cancel it.
3. HSBC give 2.5% rebate at Caltex (min accumulate is rm200 within statement date, get back rm5).

OCBC Titanium MC is the best petrol rebate card, 5% at all station.

the simple answer is NO.

u cant BT more than outstanding (debt) of the card.

yes, dont create more debt!

---

Added on February 9, 2011, 1:18 pm
min salary p.a means for 12 months.

actually bank just need ur 1 month salary amount. so when it is said 30k/year means need min rm2.5k/month.

so if u can supply 3 months latest payslip with rm2.5k/month, u are qualified already

This post has been edited by erry-: Feb 9 2011, 01:18 PM

for me, CPP is insurance, but for ur credit card protection only, with 1 time payment.

its up2u actually want to subscribe or not.
if u, are the type of always checking ur wallet and credit card (physical and online banking), then no need.
means, if u noticed ur card is missing, u can call the bank immediately to block the card (before the card can be swipe out there).

it is better not to give credit card number when receiving call.
(ambank got case their cust received call from their helpline number 603-2178888, which is their real number, but that number only for receiving call, not calling! the caller actually is a scammer/thief).

---

Added on February 9, 2011, 1:29 pmmy advise is to tell the CS that give u a few minutes then u will call him/her back (ask their name or extension number).

call back using confirm real number (in ur example, as stated at the URL), not from the number they called u, and ask to talk with the agent that just called u (tell the name or extension number).



This post has been edited by erry-: Feb 9 2011, 01:29 PM

what do u mean with 'some credit card only provide BT for fresh application'?

some1 here mentioned he/she did CIMB BT for more than once.

btw for ur question, yes, when amount paid is higher than statement balance, the new balance will be negative.

This post has been edited by erry-: Feb 9 2011, 01:34 PM

to make u feel better, its ok actually

u can try to contact him back (just to verify) using the phone num and extenstion.

now, u need to always check ur credit card transaction (via online banking) and see if got unknown transaction.

to answer ur question about scam... yes possible, but rare

This post has been edited by erry-: Feb 9 2011, 01:46 PM

never heard like this

---

Added on February 9, 2011, 7:17 pmAFAIK, u cant cashout advanced payment?

example, just example, if ur RHB debt now is rm5.1k, u do BT to CIMB and HSBC, both 6 months.
and just let say, both bank approved ur BT, ur RHB will received rm10.2k, and new balance will be negative rm5.1k (-rm5.1k).
u cant cashout that rm5.1k, u need to swipe till the negative become positive amount.
in the end u still need to pay rm1700/month (rm850 x 2 = bank).

again, above is just example!
but RHB is CONFIRMED cant cashout negative balance (i had experienced regarding fraud, do search my old post).

This post has been edited by erry-: Feb 9 2011, 07:17 PM

oh OCBC. i dont have the card and never planned to do BT

yes i have DA but never know the BT is for new applicant only.

and yes i admit i also dont know much about Alliance BT.
but for me, mostly people do BT (example are my sis-in-law and my 5 friends, i replied based on their experience - with PBB) coz want to pay monthly without interest. so why want to finished early?

---

Added on February 10, 2011, 1:43 amOT: i never mean to spam. i also dont care about my post count increasing. it doesnt effecting me at all ~

This post has been edited by erry-: Feb 10 2011, 01:43 AM

here - http://www.americanexpress.com.my/cms_uplo...0Sept_final.pdf

no u cannot, as minimum salary to apply credit card is rm1.5k/month.

1 option u can choose is - go to BSN and purchase sijil simpanan premium (ssp) worth rm4000, and bsn will give u classic card.
pls do mind that u cant cashout/sell back that ssp for a period (1 year if not mistaken).

by default, no. but u can try, and probably in the end they give u gold card ~

do remember, OCBC give free annual fee and annual usage bonus!

for Great Eastern, principal must swiped RM24k/year for platinum, or RM18k/year for titanium,
then both principal and supplementary annual fee will be waived!

upon achieving above condition, free annual fee and also free annual usage bonus RM50!

source - http://www.ocbccards.com.my/bonus/promoAnnualFee_geCard.aspx

---

Added on February 11, 2011, 2:42 pmwhile for supplementary, swiped RM5k/year, free annual usage bonus RM25.

can use the annual usage bonus to offset the gst

source - http://www.ocbccards.com.my/bonus/

This post has been edited by erry-: Feb 11 2011, 02:42 PM

wah the requirement for hsbc amanah plat is very low now eh?

normal hsbc plat now need rm100k/year salary or other credit card that have same requirement with it.
better submit latest 3 months payslip with at least rm10k/month ~

1st, there are hsbc and also hsbc amanah.

hsbc give points while hsbc amanah give rebates.

the diff of gold and plat are the amount of points and rebates.

example for hsbc amanah, plat can get back 1% cashback if swipe oversea, while gold only 0.5%.

another diff is usually the amount of cashback can get from contest/promo.

like now got CNY SMS campaign, gold can only received cashback max rm400, while plat is rm500.

i give u 1 idea.

ur CL now is 3k right. just swipe till reach the CL and pay it immediately.
example current unbilled transaction is rm1k, tomorrow (saturday) go swipe rm1.8k, then go pay (deposit) rm2.8k.
so ur available CL will be rm3k again.
do it again and again before ur statement date! if u do it 4x, means u already swipe ± rm11k/month!
when bank see u are capable of swipe then pay to use within CL, bank probably will increase ur CL automatically

(this happened to me with my DA and also HSBC).

only AMEX.

it depends on bank, either 2x, 2.5x or 3x ~

PBB only give me equal to my 1 month salary. but its ok for me. coz i used it to pump esso/mobil only

my sis-in-law MBB ikhwan islamic, CL only rm1k! not even half her salary ~

same like me, cant use mbb visa at esso pump - declined, but swipe inside no prob
my available CL is 5-figures and current bill is negative (mbb owned me). dunno la why cant swipe at pump

read at their website, yes for credit card!

"Get monthly cash rebates up to 2% on all retail purchases, without any restrictions on petrol, groceries or specific merchants. This is truly a one-of-a-kind rebate card for anything, anytime, anywhere"

edited: but the alliance younique card rebates are tier-based. better use another card?

This post has been edited by erry-: Feb 14 2011, 07:01 AM

as replied by jensen_tidus, interest rate applied only to oustanding balance.

if u always pay full amount of statement balance each month, then 1000% interest also wont be any problem

u swipe rm1000, the bill come next month, u pay full amount of that rm1000 before due date, then no need to care about the interest rate ~

1. mbb charged rm50 gst on exactly date of annivesary.

ur card shows 02/13, thats mean somewhere in february. check ur previous statement, it will shows when the gst will be charged.
if it is 25/2, then u still have time to cancel it! if 13/2, then u are late already

2. yes u are correct, u need to pay rm50 gst for new card.

1 simple rule - if u not paying full statement balance, u will be charged with interest!

so the answer for ur question is - YES u still being charged with interest even u still pay 5% from ur statement balance.

if u not pay that 5% by the due date, u will be charged with late fee (usually 1% from the balance or rm5 - rm75, whichever is higher, depends on the bank).

ur example of 100 is too low. i give u example of 1000.
a. if u pay 5% (50) by due date, balance 950 will be charged with interest.
b. if u not pay that 5% by due date, all 1000 will be charged with interest + late fee (rm5 / rm10 / 50 / rm75)

for case a or b, another swipe before next bill will be also charged with interest!

bottom line - always pay full statement balance by due date!