The recent three cc of mine were applied through email. I always cross the IC & cc copy with 'XXX application only'.

instead, applying cc through card agents is even riskier, as you might not even have the chance to cross those docs especially when the kiosk is crowded.

Supp card also earns 5X TP as principal card does.
However, principal & supp cards will share a RM50 monthly cashback limit.
Yes, supp cards will be issued in pair just like principal cards. One RM25 GST, two supp cards. If you don't want to use Visa/MC, just keep it in drawer.

OK, better follow black&white T&C.
And, advice to whom it may concern, don't apply supp cards if cannot agree to T&C.

Yah, in fact I enjoy being asked many questions by CS. Lol. It tests my brain.

Can you suggest any bill payee accept Amex?
IINM PayOnline only accepts Visa/MC.
Neither can you pay bills via Amex Online, like OCBC Online, Citibank Online etc..

Despite getting satisfactory answer, he/she will then start to doubt its accuracy. LOL.
Only after experiencing the reality, he/she will then realize 'Oh I see...'

We will be glad to share our experience. However, sometimes experience is not certainly true.

For example, my basic savings account was charged an ATM Annual Fee. I wrote an email to the bank and carbon copy to BNM. They refund to me immediately. In the bank's website, indeed there isn't any clause stating that BSA doesn't have ATM Annual Fee. But I felt like being set up by the bank, so I voiced my dissatisfaction.

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.

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.

40k pts redeem vouchers worth RM200 , not bad. The 0.5% rate is still there.

If you happen to buy electrical appliances, don't miss the redemption fair at SenQ. Pay a visit to any SenQ to find out latest details.

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Added on January 24, 2011, 2:14 pmGreat! That is absolutely zero exit fee then. Lucky you.

This post has been edited by chemistry: Jan 24 2011, 02:14 PM

Most cashiers do not verify the signatures on the trxn slip with the one at the back of the card.
Many times I "cincai"sign but never encountered problem.

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)

I think these two are the most popular cards at the moment.


This post has been edited by chemistry: Jan 24 2011, 10:48 PM

There are very few classic card that gives rebate on petrol nowadays. Even DirectAccess (CIMB) mastercard also ceased their 2% petrol rebate recently. Now left only Shell Citi Classic gives 1.5% cashback on purchases at Shell.

What you can do is apply a DirectAccess (or Citi Shell Classic) card first. Or Citi Giant card (if you spend a lot at Giant).

After a year or so, go apply another bank's cc. That time, you may try to apply higher grade cc such as Maybankard 2 Gold. Fresh grad is like that one, everything starts from the ground.

Just my opinion. Please don't take it as financial advice.

This post has been edited by chemistry: Jan 24 2011, 11:17 PM

I beg to differ.
My friend transferred balance frm Citibank to OCBC. She continues to use the card as usual. When the statement comes, she just paid 5% minimum, there's absolutely zero finance charge. I saw the statement with my own eyes.

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Added on January 25, 2011, 2:01 pmYou have asked a question nobody can give definite answer. We are not banks, how do we know?
By the way, you don't need to worry. As long your application 'reached' the credit card processing department before 31Jan, you're entitled to welcome bonus once approved. That's why I encourage application through fax.

This post has been edited by chemistry: Jan 25 2011, 02:01 PM

I overlooked that.
My apology. I might have given inaccurate info.
Will update this if I get to see her latest statement.

What hye said might be true.
The statement I saw was for Dec2010. Hence 5% payment will continue to enjoy zero finance charge.
Now stepping in Jan 2011 already, maybe cannot 5% minimum anymore, must settle the retail in full, plus 5% of the BT amount (which is as advised by OCBC CS)

believe it or not, up to you.
you made no contribution but talk a lot here. No offense.

He is having UOB Plat wor, I think he will apply MBB2Plat as well . lol.

What you can do now is accept the fact that you do not fulfill MBB2 Plat card's requirement. The only way is Give Up the Plat and go for Gold.

For my case, I also hardly use my DA Plat. When I use it to apply SCB Biz Plat, it was successful.
Don't worry pal, go ahead. Gd luck.