sh1t lor!! i gave him de, coz he gave me his fullname, and also phone number (hotline shown on maybank website) along with extension to get back to him.

but giving 16 digit number + valid date also can get scammed one ah? coz i asked and he said, "dont worry, the only thing u shudnt give out is ur mother's maiden name and security number"

what should i do now bro? i kan chiong d -.-..i think ill call the hotline now ....pffft

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

certain bank only offer 0% BT for new credit card applicant.

if they send tru poslaju in my case is not a problem la? since my mother at home.

Poslaju have several categories of delivery. In the event they mark that only the intended recipient can signature then your mother also cannot receive it on your behalf.

Guys ... appreciate all the contributors to this thread but for questions which you want to maneuver the cc system to create more debts (or anything basically could pose problems) then appreciate to just PM the senior guys here. It'll be horrifying if anyone use the information on this thread and dig a deeper financial problem.

owh ok, if like that, i'll need to take it by myself at the poslaju office if they mark as you mention above.

Not exactly CC-specific but just found out when I paid via MasterCard online today that prompt payment of quit rent through online payment for Kuala Lumpur property is rewarded with a 5% discount.

Payment is possible through either Visa or MasterCard, in addition to internet banking. May as well pay through CC to earn some points/cashback.

Googled about the discount and found the following link: Five Per Cent Discount for Online Payment of Quit Rent in the Federal Territory

This post has been edited by wshoh: Feb 9 2011, 04:19 PM

A guy claimed that a simple call to HSBC call centre will already be able to get the RM50 GST waived but i believe that guy was just bullshitting because i tried to find out with several different HSBC employees and was told there is no such thing.


Yes. Please !


I did not receive such sms from HSBC either. I also rarely use my HSBC MasterCard since i received my Citibank VISA in December last year as the points required to redeem a RM100 shopping voucher from Citibank is lower than HSBC.

Oh by the way, do take note that HSBC does give a better exchange rate than Citibank in Taiwan.


Actually, this is possible with HSBC 0% BT. I however do not recommend their 0% BT. Why ? Please search for my old post. It is here somewhere ...


Or whoever starts the next version of the credit card thread


It is indeed possible with HSBC BT. You do not have to give them the statement of your credit card from another bank that you intend to do a BT to. Just give them the numbers and they will transfer the money out to the account. And yes, negative balance will be shown in your the other credit card account statement.


From my experience is that credit card package sent out by both Maybank and American Express via Poslaju can be accepted by other people too. At least this was the case with my mom's AMEX Green Charge Card, Maybank Ikhwan Gold VISA and Maybankard Gold AMEX (the original Maybankard Gold AMEX).


Not sure exactly if the discount given to quit rent in other states is different than Sabah's. Anyway, i get something like 5% or 10% discount every time i pay mine over the counter. Discount will only be given if i pay in full at lump sum.

This post has been edited by MilesAndMore: Feb 9 2011, 04:35 PM

enlighten me, i plan to perform 2 BT to 1 of my credit card and additional payment will be the advance payment. with the advance payment, i will cash it out. it is better a lot than personal loan.

RM30,000 p.a. means whatever income you get in a year. So yes, bonus is included and so are dividen, rental, allowances and OT etc. Easiest way to confirm your income per year is the amount in your BE form which is taxable. Or for people where their only source of income is from salary, the amount in Borang E.


yes, my second and third post in my blog on BT was to share with other how to make more money from BT. I even mentioned doing BT for less than RM5K is a hassle and the interest you get from FD is negligible. As for 0% installment, I have mentioned many times (including here) that it is a trap by banks to make you spend more (when one don't even have the money on hand) and try not to recommend installment plan that have upfront interest because if you annualized it, the rate is damn high, better pay cash instead. And usually with installement plan you'll pay more where I have mentioned here and in my blog. When I go shopping, if the shop have 0% installment plan, next thing I ask is there further discount (speak to the supervisor the best) and sometimes the merchant will say yes but need swipe 1 go which is better as you will save money and this also applies to Harvey Norman for items costing more than RM2-3K.

it is saddening that many young people have debt problems arising from having credit cards. Wonder how many people actually read the link to Daljit Dhesi article in The Star which I posted in my blog on my 1st post on BT click here.. The article was in 2009 but it is a good read and if people actually absord the contents of the article and learn from others, they won't be in the sh*t hole now. I even mentioned that time is one does BT, it means he/she is living beyond his/her means as that time no 0% BT so need to pay interest.

The best advise for young people is by Dreamer - to have at least 6 months of expenses in savings for emergency. Well, if you don't have this, better not go get a credit card or even go for 0% installment plans as you never know in the future you may just need the few hundred ringgit you have committed to the bank.

Can anyone login to Citibank Online? It failed for me, m using their credit card service.

never heard like this

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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

yes there is.
OCBC offers 0% BT to new Titanium cardmembers only.
Almost every OCBC Ti cardholder is new-to-bank because OCBC is not popular in cc market.

I think the key word in the relevant portion of MilesAndMore's reply is "Please search for my old post. It is here somewhere ..."

Anyway, I will indulge you simply because Miles' experience with HSBC which he shared in the BT thread was beneficial to my brother who took up HSBC's offer - only to realise after I explained HSBC's BT mechanics to him, that if he continues using his HSBC card, he will need to make full payment of the statement balance (of the month wherein the BT sum is reflected) as well as the BT sum if he is to avoid the interest trap on purchases made in the aforesaid statement month.

The relevant post is Post #378 as below:

See also:

In fact, YJC having corresponded with you personally by PM here, I would think that you already know how HSBC's BT works. You really take the cake...!

The long and short of it, for BT (as of 9.2.2011), best to take up DA/CIMB 0% offer where a separate a/c is created for the BT sum in which you only need to pay the 5% min payment for the 1st 5 months until the final (6th) month where you will need to pay in full. Before the MBB 12 months BT plan questions flood in, allow me to pre-empt the same by answering that the MBB BT plan divides the BT sum into 12 equal instalments

Gen-X's example is here

To illustrate why Gen-X said it is too much of a hassle to do a 'small' BT to make money through FD placement, well, I just placed a FD with AmBank today for RM5,000.00 on a month to month basis. The interest rate is only 2.75% and that means for RM5,000.00, you will only get RM137.50 (simple calculation only here, no compounding effect etc) provided the interest rate remains. That translates to only RM11.45 per month. IMHO, it is only worth it if you get at least RM50.00 for your time to fax the BT application form and follow up by telephone (to ensure that the BT sum is paid promptly).

Again, thank you Miles (on behalf of my brother).

This post has been edited by wshoh: Feb 9 2011, 07:45 PM

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

I assume you never get any sms from HSBC about their 0% BT offer ? Then there is no point to consider it as you are not eligible for their 0% BT offer. Only those who have received sms from HSBC are entitled for it.


Yes. I can.

Anyway, anyone knows how does the point system for Citibank regular credit card works ? I just got a regular Citibank VISA in December last year. The first statement came out in early January. The total outstanding was RM2820.89 and got 2770 CitiRewards points. However, i actually received 5096 (points earned) + 10888 (bonus points) this month, much to my surprise. Any idea what is it so ? Only RM5096.78 was charged to my Citibank VISA last month and i did not shop at any of the stores that Citibank is giving 5x CitiRewards Points last month. Where did all these bonus points came from ?




There are/were indeed such deals. Besides the one mentioned by chemistry, HSBC is the other bank that had such deal.


No problem !

i didn't receive sms from hsbc coz i'm not hsbc consumer ma. however for new application, they offer 0% BT. so the hassle thing u refer is hsbc will debit 1/6 of the amount to ur account and this 1/6 are the min. repayment of the month?

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Added on February 9, 2011, 9:04 pmactually i made 2 application at 2 different bank. so in case 2 of them approved, then the 2 BT may run concurrently.

This post has been edited by timetravelller: Feb 9 2011, 09:04 PM

I think the 0% BT for newly approved cards promotion had expired last year.


What ? Sorry. I don't really understand what you're trying to ask.

MBB2 cards currently have problem with Verified by visa... I can't make payment to merchant who requires 3d secure code..

I had registered my verified by visa pin, however, when I try to make payment, I am not able to get to the page to enter VBV pin. (the page was skipped automatically)

On the other hand, my visa petronas works perfectly, no problem.


Called up MBB just now. THis has been confirmed by MBB Platinum customer service..
"It affects 3d secure transaction, but for merchant without 3d secure, the transactions are not affected. our IT team is rectifying it, we expect it to be on the track soon"


Not happy with it.

Any people here experiencing the same thing?

i want to know about citibank cc

i have a 0% easy payment scheme for dell computers. got a remaining 4 months installments

can i settle all at one go? how?
because card annivesary coming in 3 months an i wan cancel it