read my articles about My Credit Cards at my blog click here and here and also at my blog click on UOB at Label column on the right.

UOB Platinum (without the Privilege Banking) can access to KLIA & LCCT Plaza Premium Lounge once a month but both times I was there quota habis. Also UOB Plat no longer provide Travel Insurance. But is you want buy Rolex watch with UOB then click here to read my article.

This post has been edited by Gen-X: Mar 24 2011, 07:13 PM

3rd week Jan at KLIA and 15 March at LCCT.

This post has been edited by Gen-X: Mar 24 2011, 08:16 PM

OT

Recently we have people like from non serious forumers like kopitiam type coming here to this new Sub-Section under Finance Section and suka suka post.

seriously see pattern below, 1 or 2 post from newly joined members and then disappear.

Below quote taken from another thread

yah, yah make me Mod so I can suka suka delete/close threads/posts and issue warnings (can Mod do that?) to all that is not to my liking and have them complaining to Admin, hahaha

I fully support cannavaro suggestion to appoint MilesAndMore and or hye as Mod as both well verse in CC matters. I even propose zenquix.



Attached thumbnail(s)

another one http://forum.lowyat.net/topic/1805805

Yah, thanks to max_cjs0101 something great did happened, we have pinned thread

The new mod should also pin bingzero thread on BNM ruling as he was the one who informed us first. But maybe the tiltle grammar should be better, haha

Well if you dine at places that give you cash back up to 30% with the RHB Platinum, then RHB better. RHB Plat allows you to enter KLIA and LCCT 4 times a year whereas MBB2 no. Also RHB to qualify for auto annual fee waiver, you got to spend RM36K with it where as MBB 2 Free For Life
Click below link to read me blah blah blah on my 20 years ago credit cards and my present credit cards and how I benefit from them.
Click here to read my article CreditCard No.8 Fool

This post has been edited by Gen-X: Mar 26 2011, 06:26 PM

yah yah, I must go and point out to Admin urgency of another MOD. By the way, I myself just spamed at the newest thread on best credit. Maybe I should open a new thread too on "Best Credit Card" and the only thing posted is "There is No Best Credit Card. Anyone opening a thread on this subject shall be banned for 3 days" ahaha

after I posted this and posted at Front Desk, another best credit card thread was created http://forum.lowyat.net/topic/1811371/+0#entry41097701



This post has been edited by Gen-X: Mar 28 2011, 09:20 PM

Congrats, finally. Now your headache starts, got to keep track not spend above RM1000

just show card

This post has been edited by Gen-X: Mar 29 2011, 07:07 AM

hahaha, write to HSBC and complain lah.

anyway, I think it is a good marketing move by HSBC to rename their Plat to VS as Plat too common and the "signature" makes it sound like a Premier card.

Wah, on the other hand, since my VS better that your HSBC CC, maybe you shouldn't complain so that I can tell Premier Card holder like you - "your card useless lah" hahaha


Well, we do have a member here in LYN that have the black card.

Me too, with 5X, no diff compared to MBB2 AMEX. Only need to swipe RM2000 to get 10,000 points so can waive GST for my HSBC. However the list is places with 5X not out yet.

Yeap, that's right. 0.5% in terms of voucher redemption.

CONGRATS to MilesAndMore and Hye for being made Moderators

This post has been edited by Gen-X: Mar 31 2011, 06:57 AM

hye, where got tembak people, many people like his no nonsense reply until he got fan club

I received sms on CIMB offer at Kinokuniya yesterday.

Not really, once in a blue moon. You don't know how to use search ar? Now that is hye, promoted, someone got to remind others of the search function, hahaha. Miles did mentioned yes before, click below
https://forum.lowyat.net/topic/547867/+2340


thanks bro for the info. Malaysia boleh. Actually I read a post, can't remember who mentioned it. It goes something like this, our government flip flop on policies. So first the flip on the new ruling, next to wait for the flop (reverse the ruling), haha

Actually I am not bothered, come end of year only worry about proofing to the banks on my income.

yah since it is the bank's responsibility to implement the guidelines, every bank will have different approach to it. I give you ideas and you share it at ABM meetings.

1. Ask card members to email their latest BE form. Those who email will get RM10 credited into their account. Benefits:
a. BNM cannot dispute this.
b. Save the banks money on paper, filing space, manpower (running to the fax, office boy moving files, fax misplaced, lines being congested as you mentioned, headaches when want to review or reconfirm as fax/letter cannot be traced).
c. Banks will also get credit where less paper are being used and show that they the bank do care for the environment.
d. Consumers can email at their free time and all will email because of the RM10.

2. To make sure all email, those who submit proof of income via fax, branch or post , an admin fee of RM2 will be imposed and make known to customers it may take up to six months to evaluate and pending confirmation credit limit will be automatically reduced to RM6K, hahaha.

3. ABM should appeal to BNM that people above age 40 ( retirees and pensioners) are not subjected to this ruling if they don't have 12 months consecutive outstanding balance. This is for my benefit Or even extend this to all, so people that are responsible in their spending are not penalized.

4. Maybe all the banks contribute to form a new company that only specialize in evaluating customers for credit cards initially, after few years, extend the service for loans, etc. Consumers want a CC, got to even pay this company a nominal sum so that this company can be self-reliant.

If you guys implement my ideas, please do not hesitate to make donation to me I am also available for consultation, hahaha.

This post has been edited by Gen-X: Mar 31 2011, 02:48 PM

that's where item 3 comes into play. If a person who does not have outstanding balance, he/she should not be penalized or needing the banks to go waste time checking on hm/her.

First stage is to evaluate all customers that have outstanding balance.
as for linking to IRB, no lah, it will cause havoc to IRB system and giving reason to update system i.e. waste taxpayers' money.

This post has been edited by Gen-X: Mar 31 2011, 03:02 PM

why you so lazy go check yourself at Citi website, link below
http://www.citibank.com.my/clear/?utm_sour...paign=clearcard

Want more info, call CS.

you must be blur, click on Clearly Rewarding --> Click Coffee Bean Icon --> Click T&C and read it.

This post has been edited by Gen-X: Mar 31 2011, 04:38 PM

Just posted my article on HSBC Visa Signature at my blog, click link below:
http://creditcardsmalaysia.blogspot.com/20...re-gone-is.html

the 5X points is capped up to spending of RM1K locally and RM1.5K for hotel and dining overseas

Anyway, I only use my CIMB MC at places I get benefit/discount with it, so I guess I'll still be benefiting with it. I guess this will encourage more to use the CIMB Visa Infinite that gives 0.5% cash back for local transactions.

Yah lah, since it is targeting customers who spend their money at The Gardens Mall.


I am not fussy, any CC company will do. Oh yah J Card members do enjoy 10% but flashing my HSBC Plat more classy for a RM10 coffee

This post has been edited by Gen-X: Apr 1 2011, 05:53 AM

It has indeed been a while since we last saw your post at Finance section. Good to have you back as you tend to make the forum more lively.


You as usual will get your annual fees waived and now GST too

Citibank did not even bothered to offer me anything when I wanted cancelled my Clear Card, but then again yours is the highest ranking Citibank CC. So what is the other card?

This post has been edited by Gen-X: Apr 1 2011, 08:23 PM