Information updated ! Do point out any other errors as i have not been following the last thread for close to a week already and the information in the first post was copy and paste from the previous version of credit card thread.

I have to agree with you. I was a "victim" before.
Every block of RM20 will need cumulative spending of RM400 (assume 5% cashback).
I don't like this.

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Added on January 18, 2011, 12:10 am
What time do you think is the first 1000th sms?
Are there really so many RM4k SCB spenders ?

you are right on.

Don't know if you guys remember, when the GST was first announced a high ranking officer at MBB said they not waiving it and something like they want "quality" customers. Guess they learned their lesson when many good customer cancel their  cards as Malaysians in general always look out for things that is value for money (in other words kedekut). They have started to waive the GST and now 2 cards for price on 1. I guess the 1 statement is a loop hole to go about this ruling.

i never find merchants that dont accept credit card for large transaction.
i swipe almost rm35k for 1 time at proton no problem.

or, how LARGE amount do u mean? rm100k?
possible they dont accept bcoz the discount rate (or we called it as fee/surcharge for credit card transaction), normal is around 0.5% - 3%.
so if u want to swipe rm100,000 and their rate is 3%, they will received only rm97,000.
rm3000 is a huge amount to 'loss'!
or, if u dont care, offer them to pay the surcharge ~
but usually merchant will tell if pay via card got surcharge or not? so why they dont want to accept if u pay the surcharge? 
card dropped or get robbed, report bank and police immediately.

for fraud, bank usually call immediately to verify large amount. cimb even called me for rm60 swipe at shell previously!
(maybe bcoz the card never been swiped at shell).
and of coz my rm2k, rm9k also been verified by the bank.

leave the card at home, then how if the home get robbed while u outside?
by the time u at home, the card already been swiped somewhere, u call bank to suspend the card but its too late?

u can search previous thread, i already had experience.
my card had been fraud at kajang while i'm at kuantan (alibi by police report). bank absord the loss.
but let say if u leave ur card at home (kl), u also at kl, then ur house get robbed and ur card also been fraud at kl, how?