, I applied for 3 and all approved, but when i print out my report, only the one I accepted is shown
however the other 2 banks have sent me letters to inform the offer has expired and has been withdrawn prior to the report being print out

Awesome information. I tried on my Visa.

All my cc pass the test
However, I still don't find any usefulness of the test.
It is very unlikely the bank will issue illegal cards.
I say very unlikely, I don't rule out the chances of crime OK.

haizz... so down, i just realised that my submission for the hsbc chinese new year rebate is from 10am to 10pm. if not then i shall get rm 98 out of rm 200!!! sien!!!

---

Added on January 23, 2011, 11:31 pmcan i send the sms tomorrow or have to send it by today only after i use my cc today? i understand that you need to answer some questions in order to get a rebate. anyone done that already? what kind of questions?

---

Added on January 24, 2011, 12:40 amcan get digi bill discount by using EON GSC card??

This post has been edited by PPZ: Jan 24 2011, 12:40 AM

RM98 ? Because the last two digits of your approval code are 9 and 8 respectively ?

Anyway, i swiped RM300+ on Friday around 11am. Sent the sms in around 1pm and received a reply that they got an overwhelming response and all the RM17k has been given out


No. You can't.


Yes. As long as you sign-up for auto bill.

Guys i'm a total CC noob(never owned one)..i plan to get the OCBC Titanium MC. is it better to get cash rebates or get reward points? i wont spend that much, mostly on petrols only. of course some shopping..groceries...etc.. Another question is, is there a installment plan for OCBC Titanium MC ? if so, what is the interest rate and how do you count it? hmm..

yes. digi give u rm5 rebate for auto-billing.

better with ocbc ti. extra 5% rebate of the amount.

or amex, 5x points for the amount if using amex autopay (for non maybankard 2 amex).
eon gsc only give u 1 point.

Hi, I have one question regarding the SCB's CC promotion scheme.
SCB's offer gurantee gift promotion with a mimuium spending of RM4000.00. On-going installment payment is excluded. How about new instalment scheme. Let say a transaction cost RM 3600.00 and divide into 12 instalments with each instalment RM 300.00 per month.
How to calculate the amount to be included into the min spending of RM4000.00? Is it RM3600.00 or RM300.00. Could someone confirm for this. Thanks.

This post has been edited by Nepo: Jan 24 2011, 08:49 AM

I'm pretty sure those ppl working at this number 1300 888 888 knows ~~

1st, rm3600 didnt meet the "Spending Criteria"

2nd, i'm asnwering this based on hsbc/DA coz i dont have scb card.

ok let say u make installment amount of rm5400, monthly is rm450. the amount that will be go into the contest is rm5400.

I requested a replacement card for my Visa Petronas. The card is physically damaged and it's going to be split into half soon. I didn't notice such defect till yesterday; perhaps it is damaged by the self-kiosk slot machine because my other card in the wallet is still intact.

Cash rewards and reward points are more or less the same actually. Just that some banks offer much higher cash rewards (OCBC Titanium MasterCard comes to mind) or reward points (Maybankard 2 AMEX comes to mind).

By the way guys, i just found out that we can settle our 0% IPP with HSBC early without incurring any penalty charges Guess i don't have to wait until next year to cut my HSBC MasterCard then.

strangely but the CS agent told me that i can send it tomorrow but i can try later if not then i really waste my RM 98 rebate!!! really down if i cannot send it out!!!

i see~ Thanks

According to my knowledge of BT, your method of avoiding early exit fee must be 'leaving certain months of minimum payment (RM50 or 5% whichever higher)', am I right?

Let say you purchased a DSLR for RM6000, installment 12months. Each month pay RM500.
After paying 9 months of installment (RM4500), you feel like wanna settle the installment. To avoid being charged early exit fee, you must leave a balance of RM6000*5%*3month=RM900 in the cc account. For simpler calculation, please avoid any retail trxn afterwards.

Above is just my case study. It does not make any financial advice.

Which bank have the fastest credit card application process?

CIMB WMC application - 1 hour processing only. Normal cc type - Citibank 2 hour but you need to apply at the Ampang branch.
Next time don't be lazy ... read to find out. This is not a spoon feeding thread, no excuses.

any recomendation wat to claim for citibank 40k reward points?
better claim gift or the cash vouccer?

i check 40k points can claim 2x giant rm100 voucher
worth it?

In the reply i got from their online support officer, he said that their won't be any charges whatsoever. The reason i want to settle the 0% IPP early is because i plan to cancel the card before its anniversary month.


If i'm not mistaken, you must send it in on the same day. Go to their website and download this promotion T&C PDF file.


I guess only you can answer this question ...

Currently at The Curve has a 1-hour Citibank CC application approval so that you can spend immediately.

How fast is the redemption of SCB ChoicePoints into RM25 cash with 5000 points ?

This post has been edited by ronnie: Jan 24 2011, 03:40 PM