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 Pumping Petrol with your Credit Cards, What cards reward you?

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K for Ketamine
post Jun 21 2018, 06:28 PM

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QUOTE(Nancy91 @ Jun 21 2018, 06:11 PM)
Guys i have a question, if i using a credit card and pay it inside the counter RM50, after that my car full tank at RM45, how do i get back the RM5? Go back to counter take back Rm5 in cash or they will automatically refund to my credit card? Dont say use at pump terminal easier, because i dont like RM200 floating, tqvm
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when fuel dispenser CC is offline

normal i deposit rm100 cash or less, will tell them i swipe CC once complete.

go in swipe my CC & collect back my rm100. (sometime CC offline both inside & outside) need to check with cashier

i don't recall there is anycash refund swipe CC rm50, but pump rm45. if yes please share with me

*20 years ago they allowed full tank with CC. pump 1st pay later


K for Ketamine
post Jun 21 2018, 06:36 PM

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QUOTE(David83 @ Jun 21 2018, 06:14 PM)
Just tell the cashier you want to pump full tank.
They'll authorize the pump for you to refill till the amount you wanted.
Of course, you need to leave your CC first till you come back to actually pay for it.
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i wonder which petrol station allowed it. credit/debit card can be fake & not enough credit. too many abuse

the cashier mention no more full tank, must state the amount pre-charged 1st.
K for Ketamine
post Jun 21 2018, 06:44 PM

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QUOTE(David83 @ Jun 21 2018, 06:37 PM)
I have been doing this almost every weekend.
I left my CC and loyalty card with them.
I'm wondering which station you patron.
*

shell and petronas
K for Ketamine
post Jun 22 2018, 07:04 PM

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Anyone using AmBank CARz Platinum MasterCard or AmBank CARz Gold Visa Card enjoying rebates 5% (Platinum) 3% (Gold).

Whoever have enjoying Ambank Carz rebates 5% or 3% have you check yr CCRIS score ?

This post has been edited by K for Ketamine: Jun 22 2018, 09:02 PM
K for Ketamine
post Jun 22 2018, 10:16 PM

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QUOTE(MNet @ Jun 22 2018, 09:59 PM)
Why its related with CCRIS score on the rebate?
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to enjoy maximum rebates 5% & 3%, you can't settle in full amount or overpaid that their TnC.

https://www.ambank.com.my/ambank/Documents/...kCARZTnCEng.pdf

Revolver means CARz Cardmember that did not make full
payment on or before Payment Due Date. In other
words, CARz Cardmember who makes partial payment
leaving an outstanding balance of more than RM5,
which will be carried forward to the following month;

https://www.imoney.my/articles/how-to-read-your-ccris-report

if fall under arrear, then effect CCRIS score

maybe some expert can advice me CCRIS.




K for Ketamine
post Jun 22 2018, 10:36 PM

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QUOTE(David83 @ Jun 22 2018, 10:19 PM)
I think somebody mentioned that if you pay the min amount, you won't be scarred in the CCRIS table.
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have screen thru Ambank/Petrol Topic, nothing mention CCRIS with Carz

if anyone enjoying rebates(Revolver) for 12 months, better check CCRIS safe side
K for Ketamine
post Jun 23 2018, 12:39 AM

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QUOTE(eddievh @ Jun 22 2018, 11:20 PM)
I'm a revolver, I keep rm5.01 every month.
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try to check CCRIS score, recommend registered e-ccris (check anytime)

Attached Image

This post has been edited by K for Ketamine: Jun 23 2018, 12:49 AM
K for Ketamine
post Jun 23 2018, 01:06 AM

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QUOTE(David83 @ Jun 23 2018, 12:46 AM)
To understand more:
https://ringgitplus.com/en/blog/Credit-Card...redit-Card.html

I believe this article is more important for those who is aiming to be a Revolver.

The First Thirty Days
Missing a payment for a month or being a couple of days late can happen to the best of paymasters, upon the first month of missing a payment, the bank's credit card department would call to remind you to make payment. You will be charged a late fee on top of the interest on the outstanding amount and a note will be added to your CCRIS (Central Credit Reference Information System) banking history showing an outstanding of one month.

Whilst it is fine to pay the minimum payment when you can’t manage the full sum, there may be times finances are so tight we are not able to pay even that. But what will happen then? Here’s a peek at what may likely happen.
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assumed every-month out standing RM5.01,

would it be 1,1,1,1,1,1,1,1,1,1,1,1 (Jan-Dec) always or 1,2,3,4,5,6,7,8,9,10,11,12 (Jan-Dec)

would it be 0,0,0,0,0,0,0,0,0,0,0,0 (Jan-Dec)

zero would be best.

even bnm ccris.

Attached File  getExplNotes_eng.pdf ( 203.35k ) Number of downloads: 25


Refers to the payment records of the credit facility, e.g. 0 (no arrears), 1 (1 month in arrears), 2 (2 months in arears) etc

sorry for off-topic
K for Ketamine
post Jun 28 2018, 02:12 AM

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QUOTE(eddievh @ Jun 27 2018, 11:44 AM)
Post 1368 got sample bill
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if possible can you try ask ambank cs for breakdown & calculation.

look like rm80 rebates is not possible hmm.gif

untested & unproven
based my calculation spending, assume spend rm400 per day
30,29,28,27days before yr BC 3rd Month = interest can be high RM2X.XX
4,3,2,1days before yr BC 3rd Month = interest can be as low RM2.XX

https://forum.lowyat.net/index.php?showtopi...post&p=89396466
if there negative interest, you paid upfront before you spent
4th May you paid RM400 to CC, then only you swipe CC on 6th May RM400 in theory should compensated the interest

This post has been edited by K for Ketamine: Jun 28 2018, 02:15 AM
K for Ketamine
post Jul 4 2018, 11:35 PM

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QUOTE(sg999 @ Jul 2 2018, 08:19 PM)
[attachmentid=9893195]

Status in CCRIS.
Still Pending.
*
under eccris pending does it show credit limit. let's said after approved, credit limit same, higher or lower.
K for Ketamine
post Jul 6 2018, 10:45 PM

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QUOTE(Leroi2x @ Jul 5 2018, 07:52 AM)
From my experience from others bank
The limit show in pending is useless
It could be lower or higher ,they just simply put a limit
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thank for info

 

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