The rm50 GST is quite a pain.
Can offset with loyalty points, mostly 10,000 points for rm50

Most of my points this year are going towards redeeming for GST waiver.

sigh...

Or with MBB2 AMEX, you can sign up for 3 autopays and get 10k to waive your gst (until 15 Mar 2011 only, hurry!)

Is this a promotion or something ? Didn't know about this at all 
Great info. Thanks !

hi need a suggestion here...
it's my first time apply for CC
my salary was RM1800 (basic+fixed allowance)
which bank should i apply??

p/s: for my salary...my company giving in cheque

Now the problem is that you have to assume worst case scenario.
Likely they have the transaction recorded and you have consented to the charge - if not how do they get your cc information ?
This means even if you file for dispute ... there's a possibility the case will not favor you. Go to the police and the bank and they will produce the recording of you consenting to the charge. I'm using the term consenting as it does not necessarily require you to verbally absolutely say "Yes".

Last hope is that there might be a cooling off period. You can initiate the cooling off period and say no/cancel the transaction. If you have their contact info then please call back. (I am almost sure you don't have their contact no to cancel ... but if you do then please go all out to cancel) Now this will not definitely assure you of a resolution or solve the problem for sure. Likely ... they will create a hassle/fuss before you are able to cancel. (you might be even lucky if you get to cancel)

Next time please be smart ... never say yes right away to such products/services which they cold call you.
The problem has nothing to do whether you are a cc noob or not ... it's purely you are not thinking before you purchase anything. These guys capitalise of people's weakness on greed (discount, VIP status, etc) and impulse buying / lack of second thoughts before buying. The training to place the cold calls (even the script used when they call you) actually targets and capitalise on these weakness.

I don't mind getting blasted due to my statement above as ... let's face it. It's more or less the truth.

They will always say ... "I'm representing/calling on behalf of VISA/Mastercard International ... etc" They will proceed to ask for your credit card and you should say ... if you are my bank ... you know what card I am holding, what type and also my cc no. If they don't know all these information or feel you are on to them, they will drop the call by now. They are also trained to drop the call when the ball is not in their court and move on to the next number to cold call.

Hear the words they use "Representing .... VISA/Mastercard International". They can't say "I'm from VISA/Mastercard International" because then it is constituted as fraud and VISA/Mastercard can take legal / criminal actions against them. Next time anyone receives the call ... just compare notes with me and you'll understanda what am I talking about.

Anyone reading this  ... please take it as lesson learnt.

** The only info the bank CS would not see is your CVV. They will also never ever ask you this question because they are not allowed to ask the customer.

Yes. Will do 

I want to share something that just happen recently. My brother call me just now to ask me whether he received a credit card or some point card. When I ask about the detail, I can confirm that it is credit card since the letter wrote Kad Kredit.

He said some salesman open up a counter at econ save taiping and promote their card to him and tell him this is a loyalty card. They only required his ic.

problem now:
1. He is not eligible for a credit since he only earn less than rm1k as security guard.
2. He doesn't submit his salary slip.

so what the use of the increase of minimum salary when the agent can just adjust your salary or something.

another thing, how do i go about cancelling the card without incurring that rm50 tax. mind you, my brother is an old fashioned and not very educated.

thanks.

Today at The Gardens's HSBC booth (direct from bank) says that their HSBC Platinum card has zero annual fee and zero GST for lifetime.

Can they be trusted ???

That is absolutely damn hard! 

Just received a cheque from MBB by post yesterday. I didn't request for it. 0% interest for 6 months but come with handling fee.

So for the new rule, we must keep only two cards by the end of 2011 huh? "Cardholders can only hold credit cards from a maximum of two issuers. for cardholders earning RM36,000 per annum and less." <---is it like if i get AMEX, VISA & Master fr X Bank it's consider from 1 issuer? Sigh, i wish they demolish the GST!

I have shredded the cheque. If I am not mistaken, it is around RM70++. I used to receive cheques from MBB 2-3 times a year. Probably, I didn't spend enough with the CC. It's their tactic to entice me to spend more. 

You meant RM10mil?  The cheque amount is RM2K only.  Enough to sign up a premium car care package.

this is vey confusing, Gen-X. So means MBB, i can get Amex then CIMB i can get Visa & Master. Does it work this way?

But then you will need to pay GST for each card that you have with the same credit limit. Fulfil the fetish for credit cards eh? 

There are cases where people have multiple cards to separate out the expenditures or to take advantage of promotions. If the benefits outweigh the GST then who cares about the GST anymore ?

Fetish for cards ... ? Right now with GST it is an expensive hobby.
Sure to beat any fella flashing their Platinums!

But not many people are aware what's a Premier card yet.

didnt use the word fetish call u crazy coz of the amount of credit cards you have    maybe it's time for u to find a new job and stop collecting cards 

Anyone knows what is the min amount we need to reload TouchN Go card by manually go to PLUS office using CC? Rm50 or Rm100?

Wow! Esso allow us to use CC to reload TnG? good news indeed.

---

Added on March 22, 2011, 11:09 pm
Better than reload it at Plus,reload at Plus only entitle 1%

Esso (NKVE Damansara exit)
Esso Jalan Gasing (nearby EPF)

Difference of reloading TnG RM50 using OCBC Ti at gas station and at PLUS:

Gas station:
- Service charge RM0.50
- Cashback from OCBC , RM2.50
NET = +RM2.00

PLUS HIghway office:
- Service charge : ZERO
- Cashback from OCBC, RM0.50
NET = +RM0.50

The difference is obvious