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 Credit Card v14, Please read the 1st post before posting

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erry-
post Jan 24 2011, 07:15 PM

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QUOTE(MilesAndMore @ Jan 24 2011, 06:43 PM)
Guys, she was asking if a transaction is valid if one did not sign on the credit card transaction receipt. Anyway, the bank requires us to sign on the receipt as a way to prove that we are indeed the ones who made the purchase (in case you dispute the transaction).
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QUOTE(lil`pumpkinz @ Jan 24 2011, 04:24 PM)
Is the transaction considered valid if one did not sign on the credit card transaction receipt?
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oh ok. at the transaction receipt (slip). its so rare after slip come out then u dont want to sign. why give card at 1st to be swipe? laugh.gif
if wrong amount, the merchant terminal can reversed it back. (note: not all cashier know how to do this).

QUOTE(MGM @ Jan 24 2011, 05:53 PM)
Cash rebate from retail transactions exclude those done online.
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QUOTE(MilesAndMore @ Jan 24 2011, 06:43 PM)
What ? This is bad if true  doh.gif
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refer to my HSBC example above sweat.gif

QUOTE(MilesAndMore @ Jan 24 2011, 06:43 PM)
Most banks in Malaysia still operate their own call centre in their head office usually.
*
i have friends working at 'bank' call center. the building, door, wall inside, all got bank logo.
but their payslip is from call center company, not the bank (dont have bank logo) notworthy.gif

This post has been edited by erry-: Jan 24 2011, 07:20 PM
erry-
post Jan 24 2011, 11:20 PM

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QUOTE(hazairi @ Jan 24 2011, 10:31 PM)
guys, a question, let's say we exceeded the credit card usage.
For example, the credit limit is 5k.
Spent until 5.2k.If we pay the bank rm700 and the credit drops to 4.5k, can we still use the card?
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wondering how can u swipe 5.2k if ur CL is 5k? maybe u get temp CL increase.

anyway the answer is, u can still swipe rm500 (since recent is 4.5k out of 5k).

next time, pay 1st before swipe (to increase the CL).

notworthy.gif

This post has been edited by erry-: Jan 24 2011, 11:32 PM
erry-
post Jan 24 2011, 11:33 PM

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QUOTE(cyril85 @ Jan 24 2011, 10:36 PM)
hi, i would like to ask whether worth to apply for shell city bank card.
mostly my expense is on petrol(shell) only. but i check their calculation actually didn't save up much.
by using shell city(classsic), i put rm300 per month, anual only save roughly rm50..
any recommend card for me to apply ?
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QUOTE(chemistry @ Jan 24 2011, 10:44 PM)
OCBC Titanium : 5% on fuel/dining/groceries/utilities, subject to maximum RM50 monthly.
Maybankard 2 Amex (Gold or Platinum) : 5X points everyday, 5% cashback on weekends (also limit to RM50 monthly)
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QUOTE(cyril85 @ Jan 24 2011, 11:01 PM)
i fresh and my salary only around 2k++.. how to apply titatum sad.gif
any good card to apply within my range?
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so now both ocbc ti and mbb 2 u cant apply.

i already post in previous thread - best petrol card for classic card sweat.gif

u can try rhb travel money. got annual fee rm70.
5% cash back on the 1st weekend and 2% cash back on other days at ANY petrol station nationwide.
cash back is based on 20% of total monthly retail spend. maximum cash back is RM60 per month.
min req is rm18k/year.

ambank carz - free for life. 2% at ANY petrol station. max rm20/month.
min req is rm24k/year.

or change to esso/mobil with pbb. free for life. rebate 2% for rm200-rm500 at esso/mobil.
max cashback is rm50/month (currently rm80/month till 31/3).
min req is just rm18k/year.
erry-
post Jan 24 2011, 11:41 PM

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BTW MilesAndMore, why at 1st page link for v13 is not usable?

pls update the link - http://forum.lowyat.net/topic/1671920 thumbup.gif

Added on January 24, 2011, 11:42 pmalso, pls update those below:

3. Credit Card linked to Petrol

- UOB <> BHP Petrol = 2% cash back (UOB One only), 1% cash back (others)
- Public Bank <> ESSO/MOBIL = 0.5 - 5% (tier-based), for Esso/Mobil co-brand card only

notworthy.gif

This post has been edited by erry-: Jan 24 2011, 11:42 PM
erry-
post Jan 24 2011, 11:54 PM

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QUOTE(MilesAndMore @ Jan 24 2011, 11:47 PM)
I posted the wrong link  sweat.gif
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oh okay.

QUOTE(MilesAndMore @ Jan 24 2011, 11:47 PM)
Done. Have also added Maybankard 2 AmEx to this category  smile.gif
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err.... u accidently duplicate UOB there sweat.gif
erry-
post Jan 25 2011, 12:51 AM

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QUOTE(BeChong @ Jan 25 2011, 12:46 AM)
Ya, i plan to try apply CIMB since i am degree holder smile.gif

But still got what bank provided cc for graduates? MayBank also got right? Just scare failed from CIMB only, that's why i need ask how long can know result? Because it take time to go bank do this stuff again and again..tired sad.gif

I get rejected by Alliance and EON bank before this sad.gif
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1st, pls differentiate CIMB and DA.

DA do offer card for degree holder, while CIMB dont.

CIMB, like other bank - u can apply without degree, just the salary slip. the req is based on the salary.

ok?

notworthy.gif

This post has been edited by erry-: Jan 25 2011, 12:56 AM
erry-
post Jan 25 2011, 12:57 AM

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QUOTE(BeChong @ Jan 25 2011, 12:55 AM)
This is CIMB Direct Access Credit Card : http://www.directaccess.com.my/index.php?c...=2&tpt=cimb_da#

I'm not sure sorry smile.gif
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its ok. maybe u confused.

Direct Access previously owned by Southern Bank. but now is under CIMB.
ok that is graduate card offered by DA.

while CIMB (http://www.cimbbank.com.my) didnt offer any graduate card.

btw, try to apply card with lowest requirement, and apply it with salesman doing promo at (example is) hypermarket (not apply at the bank).
usually they will help u to get the card (to achieve their sales target).
after u get the card, use it wisely. next year, u can use the card to apply for another card.

thumbup.gif


erry-
post Jan 25 2011, 01:09 AM

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QUOTE(BeChong @ Jan 25 2011, 01:01 AM)
after u get the card, use it wisely. next year, u can use the card to apply for another card. what another card do u mean?
can you tell more? i can use it to apply another application you means? but do i need to keep use it and make the payment record good? How if i just use once or twice a year?
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yes.

example with PBB (Public Bank Berhad), they only need 6 months card to apply with them:

If you have been a Principal credit cardholder for at least 6 months with a credit card that is issued in Malaysia and valid worldwide, just enclose
* Photostat copy of your NRIC (both sides) or Passport and Work Permit for Non-Malaysians; and
* Photostat copy of your Credit Card (front only).

its best if u make the payment record good.
besides, that is what credit card supposed to be.
if u plan to have debt and bad payment record, then sorry, u are planning to failed sweat.gif

so back to ur question, yes, u can use it to apply for another card thumbup.gif
erry-
post Jan 25 2011, 01:12 AM

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QUOTE(BeChong @ Jan 25 2011, 01:09 AM)
Can i apply Maybankard 2 Gold Card now?
*
pls read the requirement 1st before apply ok?

Minimum annual income:RM30,000

Required documents
* Copy of NRIC (both sides) or Passport, including that of supplementary applicant's
* Latest BE form with official tax receipt
* Latest 2 months' salary slips
* Latest 3 months' savings account activity/current account statement

since u dont have a '1 year credit card', so u need to submit all those documents.
if u dont have BE form with official tax receipt, no need to apply then sweat.gif
erry-
post Jan 25 2011, 01:18 AM

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QUOTE(BeChong @ Jan 25 2011, 01:12 AM)
If i just use once or twice a year ? Still can apply another card after 6 months or not?
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still. but not sure if it will be approved or not laugh.gif

u will pay rm50 gst for 1 year for credit card. why just want to use once or twice a year?
use it wisely. pay all the statement balance.

just convert all ur cash-flow now to the card.

example is for ur telco.
using postpaid, pay the bill with credit card.
using prepaid, go topup at tesco/giant then pay with credit card.

with that u wont use once or twice a year ~
erry-
post Jan 25 2011, 01:20 AM

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QUOTE(BeChong @ Jan 25 2011, 01:16 AM)
Thanks for your info smile.gif really helpful !!!

One question, what is BE form with official tax receipt ? Sorry,i really stupid sad.gif
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ur welcome.

BE form is LHDN form.

in other word, borang cukai pendapatan ~
erry-
post Jan 25 2011, 01:23 AM

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QUOTE(BeChong @ Jan 25 2011, 01:22 AM)
Ya, what i can do is pay my mobile phone bill by credit card every month and convert some cash-flow by using the card. I really stupid tongue.gif
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dont say stupid.

u just need to learn notworthy.gif

we use credit card to get the rewards (cash back / points to redeem).

while using cash wont get rewards.

thumbup.gif

This post has been edited by erry-: Jan 25 2011, 01:24 AM
erry-
post Jan 25 2011, 08:53 AM

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QUOTE(BeChong @ Jan 25 2011, 01:23 AM)
When i need to fill this form? anytime if i want?
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pls read more here - http://www.hasil.org.my/pdf/pdfam/Issuance...xReturn2010.pdf

for me, no need for u to trouble urself to apply for the maybankard 2.
just apply another card and use the card approved to apply for maybankard 2 after 1 year later.

QUOTE(BeChong @ Jan 25 2011, 01:25 AM)
so for now, i try to apply direct access first. how if it fail? haha smile.gif
*

never heard DA reject application so far (from my friends and also here). so good luck to u! thumbup.gif

QUOTE(BeChong @ Jan 25 2011, 01:28 AM)
- but there is a lot of credit cards, make me (newbie) confused and blur +_+

- i need to learn use the credit card wisely tongue.gif

- after i get DA, what can i do for the next? use it around 6-12month and look for another cards? wish u can give some advise smile.gif

Thanks a lot  rclxm9.gif
*
- if u confused, u can call the bank directly to ask, or just ask it here smile.gif

- yes, once u have credit card, try to use it wisely. dont overspend.

- yes, use the DA for for 6 months with clean record (always pay full, even this is what it should be),
and apply another card that accept 6 months card example PBB.
erry-
post Jan 25 2011, 09:00 AM

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QUOTE(ghoss @ Jan 25 2011, 06:36 AM)
Anyone know the Eon Bank GSC Credit cards that gives 1 movie ticket on the birthday month ?

Anyone know how to redeem it ?? I deleted the sms then forgot how to redeem it already.
*
call CS and request them to send the sms to u again laugh.gif

QUOTE(jensen_tidus @ Jan 25 2011, 08:45 AM)
Just a quick question as i can't find anything related to this is the few versions back.. Hope someone can help to clarify ~

Everyone knows banks look at our ccris when we use a card to apply for another card.

But will the ccris shows all the history of our record if the credit card is automatically upgraded from classic to gold? My suspicious arise when i notice my application for a new card was rejected and out of surprise my gold card number is different from the classic...
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sorry i dont know much about ccris.

but, of coz gold card number is different from classic?

Added on January 25, 2011, 9:03 am
QUOTE(Titan_Gunners @ Jan 25 2011, 08:20 AM)
I got this from OCBC FAQ.

What types of transactions are excluded from the ‘Retail Spend Rebate’?
Recurring Payment/Auto Debit transactions, Flexi Payment Plan (FPP), Savvy Saver Plan (SSP), Balance Transfers, Cash Advance, Call-for-Cash, Dial-a-Cash, Dial-a-Cheque, Outstanding Balance, Finance Charges, Annual Fees, Late Charges, Reversals, Fraudulent Retail Transactions and other fees and charges are not eligible for the Spend Rebate.

Recurring Payment/Auto Debit transactions cant get cash rebate??
*
so far at OCBC website also didnt mention that 5% for auto-billing, just 5% for bills (for MC Ti) sweat.gif

while for amex gold credit card, 5x MR for telco bill, only with autopay (auto debit).
if just pay manually then only get 2x MR.

notworthy.gif

This post has been edited by erry-: Jan 25 2011, 09:03 AM
erry-
post Jan 25 2011, 09:09 AM

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QUOTE(lil`pumpkinz @ Jan 25 2011, 09:07 AM)
So it is still a valid transaction, dangerous weii  sweat.gif
*
pls avoid give the card to the waiter (to pay ur bill) when finish dining.
i will to go to counter myself and give my card there.

the best way is, always login to online banking and check recent transaction. this is what i'm doing laugh.gif


erry-
post Jan 25 2011, 09:15 AM

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QUOTE(hye @ Jan 25 2011, 09:08 AM)
they are many reasons your cc application being rejected. Without a complete information of your own financial background, we'll be giving you wrong advise as well. I know may have been helpful (e.g. erry and the rest) but please be realistic ... there're things which require more background information.
*
thanks.

sorry for repeating, but my ccris is clean and yet ocbc titanium reject my application. haha.
i dont bother. just use current 4 cards i already have laugh.gif



erry-
post Jan 25 2011, 10:06 AM

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QUOTE(lil`pumpkinz @ Jan 25 2011, 09:19 AM)
I do that too, hehe, but trying not to swipe for dining purpose. The other day my colleague used her card to pay for stuffs she bought at Watsons, then the cashier took her card and MIA for some time. Then he informed that her card can't be used. She's just afraid if the cashier did swipe her card or something. Now she's waiting for her statement in order to check.
*
advise her to make online banking then check recent transaction ~

QUOTE(jensen_tidus @ Jan 25 2011, 09:23 AM)
no offence on the way i replied, just feel some people would take the opportunity to blast when there is a 'opening'~
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relax. here is not /k/ brows.gif
erry-
post Jan 25 2011, 10:24 AM

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QUOTE(MilesAndMore @ Jan 25 2011, 10:17 AM)
This is news !!!
*
hsbc premier, need to 'give' them rm200k.

if not, they 'take another' rm150/month sweat.gif
erry-
post Jan 25 2011, 12:12 PM

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QUOTE(prempenang @ Jan 25 2011, 11:36 AM)
so for ocbc titanium 0% 6 months
we have to pay the full balance on the 6th month rite?
*
right.
erry-
post Jan 25 2011, 04:17 PM

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QUOTE(siutimtim @ Jan 25 2011, 03:10 PM)
i think now also not difficult to get world or infinite card dy.. yesterday I go to watson and 3 ppl infront me all use master world card..  blink.gif
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as long as u meet the min req, why not? certain bank give this card free upgrade for selected plat member notworthy.gif

QUOTE(BeChong @ Jan 25 2011, 03:22 PM)
thanks for ur info  tongue.gif but i am not clear with it  sad.gif 

And before this i saw it about rebate from kfc,burger king,watson and so on ? no more start from this year ? and also no more petrol rebate???? The benefit will keep changing year by year? confused  rclxub.gif

Actually, this DA purpose is for what?
*
» Click to show Spoiler - click again to hide... «


the most important thing is, DA or CIMB, for fresh grade, apply for Mastercard, not Visa!
those rebates at kfc, burger king, teso, giant, etc. is only applicable for Mastercard ~

and yes, the promo will keep changing. u need to visit DA/CIMB website at least once in 6 months.

notworthy.gif

Added on January 25, 2011, 4:19 pmoh another advantage for DA/CIMB (no matter visa or mc), it give u free 10 months installment for insurance, hospital bil, and education.

example if u renew ur car insurance for rm1200, after 3 days just sms to convert it into installment.
so u just need to pay rm120 for 10 months. no fee at all, and no interest for remaining balance of the installment~

thumbup.gif

Added on January 25, 2011, 4:24 pmand previously, DA give 2% rebate at ALL petrol station. but no more starting this year sweat.gif

This post has been edited by erry-: Jan 25 2011, 04:24 PM
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