because I got mine via postlaju and as for number behind the card to update my post on CS numbers in my blog, but that number is already stated as MBB General CS line because I remembered that I commented that 886688 very nice.

Click here to read my post on CS contact numbers

Yes, you can for Maybankard 2 Amex - 1800889559. But FYI, some of the Amex CS have been transferred to MBB and vice versa. But I still find AMEX CS "better" even if I press 2 for Gold Card.

mine too, issued in 2009. The two that got excited over the strip is new to AMEX, hahaha

This post has been edited by Gen-X: Mar 8 2011, 10:41 PM

it might be true. In the case on Clear Card, the max CL is RM30. Click on my link below, there a table from RHB stating Minimum and Max CL. For RHB, Classic card maximum CL RM8K.

http://creditcardsmalaysia.blogspot.com/20...ource=BP_recent

Thank you. Aiyah the posting dates different for Amex and Visa/MC.

Card Type, Transaction Date, Posting Date and conversion rate (round up to 4 decimal)

MBB 2 Visa, 4/3, 6/3, 0.1044
AMEX 2, 4/3, 5/3, 0.1055
Diff 1.05%
With 5X points MBB 2 AMEX still better because you get about 2% difference in terms of voucher; thus actual diff about 1%


MBB 2 Visa, 6/3, 8/3, 0.1043
AMEX 2, 6/3, 7/3, 0.1055
Diff 1.15%
With 5X points MBB 2 AMEX still better because you get about 2% difference in terms of voucher

How about MBB Plat and MBB WMC?
With 5X points MBB 2 AMEX still better than MBB Plat 2XTP because in terms of voucher diff 1.5%, so you gain about 0.5% with MBB 2 AMEX.
With MBB WMC, MBB 2 AMEX can go fly kite, hahaha.

like zenquix mentioned, you want save money upfront or wait until you redeem voucher and gain a more? I will go with my MBB Plat and get lower conversion rate upfront.

MBB 2 Visa, 4/3, 6/3, 0.1044
CIMB MC, 4/3, 6/3, 0.1052
Diff 0.766%
No brainer, use MBB2 Visa unless you got CIMB WMC where it gives you 2X points or CIMB VI where it gives you 1% upfront for overseas making the diff about 0.3% only.

why you so sibuk and you no need to work ar always here? hahaha

This post has been edited by Gen-X: Mar 9 2011, 11:29 AM

very good answer

You are the person that deserved to be thanked for taking the trouble to go use your cards and post it here.
However must note, if you use Maybankard 2 Amex on weekend and amount less than RM1K, Maybankard 2 Amex better than any other card with 7.5% returns.
Excellent idea on getting the Guardian voucher on a Sunday with DA if you do spend RM1K with MBB 2 Amex.

thank you for posting the link. And young man I prefer you call me Bro like chemistry

This post has been edited by Gen-X: Mar 9 2011, 01:45 PM

Yeap, I agree with you on UOB Debit Card for withdrawal of cash. When I used it in 2009 in US, the exchange rate was the same as the one quoted in the internet but there is a RM12 admin fee which works out to be 1.2% for every RM1000K withdrawal. Withdraw RM500 and the rate becomes 2.4%.

click below link to see my table prepared in 2009 for various transactions with various credit cards vs UOB Debit card where the conversion was 1:1. UOB Debit card rate the best without considering the RM12 fee. To note that Alliance rate no longer competitive as of date.

http://creditcardsmalaysia.blogspot.com/20...-cc-to-use.html

ronnie also said something similar. Maybe it is because you guys read it at original size? I will zoom in to read it even on my 23" LED monitor. Use Ctrl + and see if it helps it easier to read.

"Comprehensive" yah, someone even asked me if I am a lawyer, haha.

The thing is LYN forum is a great place for info when I want to buy something, but it can take me hours to read all the posts in a particular thread e.g. I want to buy a particular Plasma TV so I go to thread on LCD/Plasma and read like page 1 to page 80 and it takes me hours. Some of the post not even related to the topic like what I am doing now.

Then for example, wshoh mentioned about UOB Debit Card above, with my post at my blog, it is so easy for me to find the info and just paste the link here. And if you read my latest post on Fortune card, I just copied some of my comments here and post in at my blog instead of me going to look for it when we are in V88 when someone ask about it. So I can understand why some come and post and want quick answer on a particular CC, and that's where my post in my blog comes in. What I cannot tahan is the same person asking same question over and over again.

Maybe LYN should start an entire section or sub-section just for CC and we can then have a topic for each credit card like in Phone section where each phone has its own thread. Any Mod reading this?

Of course, I do most of my propriety research here at LYN and learn from everyone's posts here and put in wrtting to share with all Malaysians. So here I go again

click here on OCBC versus other cash back credit card.

Is the card shown already in M2U? Your gift did not state free GST waiver like others?

for me being half blind no problems reading it woh. Ok lah, noted your suggestion, when I got time I go see what can do. But I like Black lah, then only got class mah

then no diff lah, got to pay GST. Call CS and ask if you don't collect got GST or not and can convert to Plat? If you waiting for MC, then no diff lah since no GST waiver.

odd that they did not call you after you fax. Well, after the 4th, only 6 days to get approved, good what. Lesson - follow up after a week after you submit application and kiasu call back CS frequently to check (get CS name and follow up with same CS best). For those who want to check, call Toll Free 1800 88 9559.

This post has been edited by Gen-X: Mar 9 2011, 06:04 PM

I doubt you will qualify for the GST waiver. Only a selected people got the offer and many I didn't including me.

well, you have two options Debit Cards from Public Bank which does give rebate for petrol or Ambank Gold Carz card ( annual salary RM24K) for any brand petrol 2% cash back but rebate capped at RM20/month if you settle in full (which you should).

revolving credit means you use the credit i.e. you don't settle in full. No point because instead of getting some thing in return, you working for the bank paying them interest.

just pay in full and get 2% cash back

You are right, you are stupid IF you don't pay in full as you'll be utilizing the revolving credit and pay interest on new transactions. That's what greed does to you, hahaha Just do as you always have been, don't have credit card debt.

To all: Most important thing as far as credit card is concerned - always pay in full before Due Date to avoid any interest and penalty charges to you account. As PJusa said, use it as FREE credit tool.

This post has been edited by Gen-X: Mar 10 2011, 10:44 PM

Wah, still thinking of Ambank Carz card ar?

First of all since you don't have the card yet, your interest charges is 17.5% being a new card holder.

Secondly, the 20 days interest free is only applicable if you don't have a single sen outstanding balance and this period mentioned is between Statement Date and Payment Due Date.

Like zenquix said, it has escalating effect. Once you have outstanding balance, the 20 days interest free period is no longer applicable and interest will be imposed onto your previous transactions and new transactions immediately until payment in full is made (for new transactions can be up to 50 days or more until next payment Due Date) but new interest charges after Statement Date not reflected in statement so if you only pay what is stated in the Statement, you still utilizing the credit and interest still imposed and it just continue until you settle every single sen.

I know you are posting merely for discussion but and many greedy people may read your post thinking they be making money and just follow what you say without studying the matter further unlike you. You yourself I believe have been using CC for long time but don't understand how interest is charged.

You may be right, if you use the card just for petrol, you may make a "profit" from making use of the credit to gain the RM80 or whatever but you should deduct RM20 (max rebate if settle in full) to see final gain (or loss).

The only reason why AMbank Carz card was mentioned in the first place was because beyond wanted to know what card gives points for people who can only qualify based on annual income for RM24K. If this card was so good, everybody would be rushing to get it. The smart ones here go for MBB Dua

If you want more rebate for petrol, you and your wife (if applicable) can get principal cards from OCBC Titanium and also Maybankard 2 Amex and with 4 cards, you can get RM200 a month cash back plus 5X TP with MBB Dua.

To add - assuming you use CC for petrol only. Best combination MBB 2 Amex (2.5% + 5%) + Esso Smiles (1.5%) = 9%

This post has been edited by Gen-X: Mar 11 2011, 08:39 AM

Just like I said, I know you posting for discussion purposes but this thread is unlike other threads in this section where forumers do actually discuss in detail about pros and cons on a particular subject. Many who come here are noob and don't bother to check further when someone post a reply. And when people like hye and me point out a fact, they think we flaming them

Maybe hye and myself must learn how to be less direct and be less helpful and learn how to use when we don't mean it, haha. JK

There are cards that have unlimited cash back like SCB Plat Business, HLB Fortune, OCBC platinum, CIMB VI and many debit cards but the cash back for general transactions is 1% or less. I use to use my AMEX Gold Charged Card a lot where I get 3X MR with turbo (= 1.5% cash back) for whatever transaction BUT with MBB 2 AMEX 5X TP, the charge card can put in drawer.

Since boon is back, can you like look into my suggestion where we can have a sub-section like Stocks where we can have a thread for a specific card and from there we can discuss the pro and cons in detail. E.g. would be great for OCBC Titanium where ronnie can list all the places he visit giving 1% or 5%; thread for overseas transactions; thread on pay pal; thread on free movie tickets; thread on travel insurance; thread on forever ending question on CL and etc.

This post has been edited by Gen-X: Mar 11 2011, 10:21 AM

Yah, we can learn a lot too as in the example of pay pal + AMEX and thank you for highlighting UOB Debit Card.

And you are absolutely right on earlier about payment using online. Wanted to pay my MBB CC bills yesterday bit the stupid cheque deposit machine can only input 1 account number whereas I wrote the cheque for multiple accounts. Today wrote 3 different cheque but the machine offline! Thinking of using online to pay MBB credit cards since I have 6 accounts with them.

Maybe the section should be Titled Credit Debit, Charge and Reward Cards where we can talk about all types of cards that benefit us.

As for adding read Gen-X post first to title, thank you but not appropriate. Good enough that link to my blog is posted in first page. But if got got sub-section, then I can have my own thread listing my posts, haha if approved by Mod lah.

As for Degree holder, I suggest go for CIMB instead of DA, because some merchants don't know DA=CIMB. Got to tell them see behind of card.

This post has been edited by Gen-X: Mar 11 2011, 11:55 AM

Just to add, Diff between the rates 0.4242% Pretty good.

I already mentioned based on zenquix's and wshoh's transactions, MBB 2 AMEX better when considering the returns in voucher but you have to pay upfront. Those of us who use the card for personal expenses would rather go with MBB Visa/MC to enjoy the lower conversion rate. However if you are using the card overseas on a weekend and spending less than RM1K and assuming you will benefit from the 5% cash back, then MBB 2 Amex better. Actually I am just about to finish my article on this for my blog and should post it tomorrow.

Do you ever read your statements or look behind your card where to the CS number is stated? Anyway, click below link for most credit cards CS contact numbers.

http://creditcardsmalaysia.blogspot.com/20...ource=BP_recent

As for installment plan, I guess you asking about CIMB i-plan, when youcall CS tell them you want to convert your transaction amounting to RMXXX on DD/MM/YY to installment and they will check if your transaction is in the sydtem and if yes they will convert it for you. And you have to do it before your statement date.

This post has been edited by Gen-X: Mar 11 2011, 10:52 PM

Done. guys go to link below and post your comments to support or reject a new section or subsection for Cards.

http://forum.lowyat.net/index.php?showtopic=1788138

Can use at RedBox ar?