Currently plan to buy electrical products also some computer related items.

Got few questions here:

If I using easy payment for items above, still got points or cash rebate for MBB 2 Amex? and I also heard Amex not offer easy payment...

Or I need to pay full first then BT to others cards? can show out what is the benefit I can get from the translation?

Btw, I asked most of the computer shops in low yatt, only 4th floor offering 0% for full card payment.

and Most of the electrical shop like SenQ also charge some fees for the easy payment.

Just wish to get "most benefit" solution from all the translation above...

Thank you!

I wish to apply BT for my citi statement RM 1,335.69 but the due date will be 7th Feb 11. If say that's only 5 days process then should be ok.

But I haven get any card from CIMB, OCBC, PBB, HSBC and also Alliance...

For the card approval need around 2 weeks, sure cannot apply now right?

as u said, amex dont offer installment. so u must pay full amount, and of coz u get the rebates.

i have no idea regarding swipe full amount then BT to other card (sorry).

0% installment offer by shop depends on which bank merchant terminal they are using.
if using PBB merchant terminal, then they can offer installment only for PBB card.
some hop have more than 1, thats why they can offer installment to multiple bank.
and usually the shop will charged additional fee on top of the full amount, example 2%.

ok, no harm getting most out of your card but for only  RM1K+ you want to do BT and then buy some more stuff with installment I think you really leaving beyond your means, not flaming you or anything but just don't fall into the banks' "trap" if you are financially tight. This easy credit given by banks are means to make you spend more.

But to answer your question on how to get installment for electrical goods, tell me what card you have and maybe then I can assist you. And do go to Harvey Norman and check out their price as they offer 0% without any surcharge for almost all cards. Also they do give discount if you pay in full, just ask, buta buta get discount like I did last time bought stuff from them.

**Edited**
in regards to MBB 2 Cards AMEX no installment, well it comes with Visa or MAsterCard which allows you to do installment plans at many merchants.
in BT thread, someone did mentioned he managed to BT for BT but I can't remember from which bank.

apply mbb2 amex, swipe, then do BT? not recommended la

applying new card then want to do BT will take times.
as long as the BT is not successful, u will be charged with interest!

From above, here's what I think

1)if you want do try 0% BT fast and now, you already have MBB Petronas which you can try out by doing your BT to MBB. But this may result in you keeping the card longer if you opt for the 12 months 0% BT. if you got no intention to cancel your Petronas card then no probs.

2) MBB, EON and Citibank are accepted at many places for 0% installment plans.

3) as for your question on MBB 2, yes you still get the 5X TP  and 5% cash when you BT to another bank using printed E statement. And once you BT to another bank, yes you got available credit again in your MBB 2 Cards (you don't do  BT and pay it off also same thing i.e got available credit).

4) go apply for new cards and then only cancel the Citi after you get the new cards just in case your application got problems (kiasu a bit lah). As for the AEON and EON, go cancel it if you don't need it (minimum 2 months before GST due, kiasu again to allow enough time to follow up). But just to let you know, your MBB 2 Card credit limit will be shared with your MBB Petronas.

As for you refering to my blog on JJ, please note I am not saying you must go buy at JJ, what I am saying is that you get points with your J card AND credit card at JJ. I only buy at JJ if the thing is cheaper than elsewhere. However, I wil say this, JJ card members day is the best day to shop at JJ but for big item, go compare price elsewhere a day or two before the JJ card members day so you can conclude where you get a better price.

Last but not least, do know that if you want to "try" BT, you are asking for "work". You have to plan in such a way that the BT payment is paid before your Due Date and need to follow (I kiasu wan, always follow up on application, approval and paytment) and it be shown in your CCRIS report (as mentioned by some here). If the BT payment is made after your due date, you may end up paying more in the end. Seriously IMHO, for RM1K not worth the effort.

1. Cut the number of credit cards you have. Paying too much GST & what are you thinking ?
2. Move away from getting yourself into EZ installment plans. EZ to get into but hard to pay monthly.

What you waiting, fast fast go apply another card if you want to cancel the EON and AEON cards.

I guess in Melaka you don't have much choices compared to Klang Valley for electrical goods with 0% installments and that's why you thinking of using BT. Just go survey what card is best in Melaka. By the way, if you buying TV, LYN garage sale sometime got very good offer, so go checkit out.

insurance no 5% cash back with OCBC Titanium, only 1%.

not necessary, I bought the tv using CC but went to his shop at PJ.

again, MBB will follow federal weekends, means Saturday & Sunday only

and yes, max rebate is rm50/month only per card (amex mbb2 only, visa wont get rebate).

if, u want more, go apply PBB Esso/Mobil for your petrol.

Now have promo extra 3% till 31/3 and max cashback is rm80/month.

Since u using >rm500 per month, u will get 6% (extra 1% than OCBC Ti).

So u can use ur OCBC Ti for another 5% category

u sms 10:30 am? i sms at 10:19 already overhelm. coz only rm17,000/day

rayfoo/winner:
The 3% Rebate for OCBC Titanium for Internet Banking's actual value is 5%, based on my calculation on all OCBC Internet Banking transactions. Basically that's the 3%+2% special offer period. I get 5% even I didn't get the special email invite.
 

The description a bit confusing   

OCBC really rocks !!!! Managed to save 10% on my utility bills !!!   

If there is no transaction after your RM50 GST is charged to your card (means visible in your transaction history already), you can op to not pay the GST when you ask for a cancellation of that card.

I've done that twice with MBB.

yes thats the way ur OCBC should be.

the PBB esso, i spend about rm520/month, 1 year can get back rm187.20 already (exluded extra 3% promo).
minus gst rm50, still got profit rm137.20 ~ not bad

mbb still ok since they told me to swipe RM3k for 6 months then they will waive it

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Added on January 29, 2011, 10:53 ami mean within 6 months

Everybody is pretty aware and also at the same time worried about the less acceptance of AMEX. If the merchant accepts AMEX, they'll display a logo at their entrance or at their cashier desk.

Hypermarkets have no problem of accepting AMEX. Major petrol stations as well except Petronas.

My May2 card approved!! My first credit card in my life~   Signed up last sunday at 1u with a free umbrella~~ 

Jusco, guardian pharmacy should be able to use amex too

Ah ? Really got such thing ? I opened the Air Asia Savers Account at a former Southern Bank branch last year with more than RM5,000 of cash and all i got was a cimbclicks car sticker 

It is in my blog lah, go read again    and I have already revised my post on Maybankard 2 Cards to say that AMEX can be used at phamarcy after someone asked about it here few days back. As for JJ, I always mentioned that AMEX can be used there.

My wife MBB 2 cards application got rejected even tho her income is more than RM60K    She only got her first CC an Alliance MC Plat in Oct last year. Asked her to appiled at 1U last week as we were there and I read ronnie's posting here that they taking applications there. I faxed over EPF and Borong BE to proof her income somemore. Must go check her CCRIS report to see what's in there.

Just to add, the reason why I started blogging in 2009 was because people coming here keep asking same question. Now easy for me, just ask them click here to my blog 

There is already an existing AMEX thread.

additional info - if autopay express, all accept amex (even tnb).

but if paid at kiosk, only visa and master accepted.

while pay at counter, here in kajang, only digi accept it. maxis and celcom didnt.

where do u mean?

if at petrol station, AFAIK they wont accept credit card, only cash.
the terminal is only for paying petrol and their store/mini-market things.

finally my ocbc titanium got approved:
- applied online on monday 17th jan
- got rejected on 20th jan
- appeal & submit supporting docs on 26th jan
- 30th jan receive sms from ocbc saying approved

now planning the best time to 'convert' amex gold to maybank2 amex. still got 15% cashback & BT havent clear yet.

that you need to find out on your own. If everyone come and ask "does merchant XXX accept AMEX?", I cant imagine that congestion...

whohoo! just get rebate using ambank for dining RM168 get back 20% is RM20 since counted on RM100 block

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Added on February 4, 2011, 7:06 amPromotion starts from  21 January 2011 – 31 May 2011 for ambank

When will I receive the Free Canon Photo Printer?
The Canon Printer PIXMA iP277 will be delivered to cardmember’s mailing address within 6 – 8 weeks
upon achieving the minimum retail spend requirement of RM1,000 within 2 months from the card approval
date. (include supplementary spending) No delivery will be made to a P.O Box address or any address
outside Malaysia
30,000 units of Canon Photo Printers are allocated for this campaign and will be awarded to cardmembers
on a first come first serve basis
Q11  When will I received the RM 50 Cash Reward? 
RM50 cash reward will be credited into the Principal card account within 4 to 6 weeks upon achieving the
minimum retail spend requirement stated below (exclude supplementary spending) 
• Platinum Card – Minimum retail spending of RM 500
• Gold Card – Minimum retail spending of RM 350\

wow. the fight is getting serious now. good for consumers!
http://www.ambg.com.my/ambank_webmedia/fil...it_card_FAQ.pdf