HLB Fortune is even worse than HLB Essential. You can refer to bro gen-x blog if u want to know why. Seriously, study carefully, not follow everything what they said in their website. HLB is really very good in making tricks

This post has been edited by gerrardling: Aug 11 2011, 03:27 PM

Hmm, my fren recommended.Looks he got fool by ads also.Cost never c the comparison, nvm.

I ll maintain spending if possible for 1K, then slowly divert to UOB la....

Only use for 2 mths....actually like to use the BT, convenient...


Is there other bank just by call? I know citibank got but I do not want use that card.....

Maybe next cancel HSBC, need to maintain 200 to get rebate 6%....

and cancel AMB after promotion end or kenot get the cash back.....

By the way, opt for Maybank lo....

cash on call - HLB, citibank, RHB, MBB, alliance. Spending of 1k, better get OCBC TMC and MBB 2 cards

This post has been edited by gerrardling: Aug 11 2011, 03:41 PM

Insurance, phone bills,petrol and etc easily 1K....

I know HLB and Citi really cash on call however RHB still need to fax back form so is not cash on call. Others did not try...

If have I would not have cancel my Tesco RHB yesterday....

After cancel, the rest of the cards 1st then go for MBB lo. HSBC on the way, AM bank waiting to get the GST back, CIMB kumpul a point bout maybe another 1500 till April 2012...

HLB will cancel if good cash on call la. I tried CitiBank, I still prefer HLB cash on call and the last CSR does a good job ....

how much is your cash back? don't thk the interest is much
and where u see the 3 months FD is 3.9%

is base on their bank FD rate which fluctuate, tat time was 3.9%....

if rate goes up then better lo....

ok, cancel my just approved HSBC.....

2 more to go which is AMB CC and CIMB DA CC....

after this go MBB, i come....

This post has been edited by NewGUY: Aug 11 2011, 10:30 PM

should keep CIMB DA for insurance, edu and hospital 0% instalment

thanks for your advice....
no points d, if they wave me, i consider la.

Need to pay GST and card expire also.....

But that promotion not permanent, I think.....

---

Added on August 12, 2011, 4:10 pmRHB call and waive GST and annual fee and ask me the RHB Tesco for 1 more 1 yr....

@gerrardling
RHB do not have cash on call. It is call easy cash, interest 8% per yr 1 time charge.

Still expensive than HLB is 0.5% per month for 6 mths and reducing balance...
Normally, before the due, I already settle left less than RM 10....

Got lower than tat tell me.....

This post has been edited by NewGUY: Aug 12 2011, 04:10 PM

I have 47k SCB points need to use by end of next month. I browse through their website to redeem items seem not many choice. If to redeem cash need to use many points compare to other bank like MBB, e.g. RM 50- 14000 points. the same goes for shopping voucher RM 50 voucher- 13 000

Which is more value for the points to redeem? cash, voucher or items? Retain the card just because of the 0.5% cash back

If you are Business Plat holder, you can try these:

Do share if you are able to get what you want.

I think the best is buy it and then redeem cash back lor. Their point requirement is quite high as well. Buying also can ask for discount, but redeem is based on RRP.

cash back 14000 for RM 50 + 0.5% to the purchase price if shopping voucher in between 12500-13500

i will try to contact SCB as human nature said

I usually would redeem RM50 Shopping Vouchers (Isetan or Giant) for 12000 ChoicePoints.

The delivery of the voucher is very very fast... always within a week.

i have called about platinum wish list, they said just mention what you want and the department will look into it. however looking at their points vs item I doubt will be expensive as well. maybe should try for known price item and compare. but i more into redeem parkson voucher

10% off the bill total amount in Burger King.

Avoid fast food

SCB got 10% for burger king? Most BK outlets don't accept credit cards and also touchngo.

Many of the outlets hide their cc machine somewhere, so you need to ask.

The Burger King at 1U accepts credit card transactions... Maybe you can show the SCB to get 10% discount and pay via cash.



This post has been edited by ronnie: Aug 18 2011, 09:26 AM

RM50 GST charged to my SCB Mastercard Platinum...
CS will give 11000 ChoicePoints upon performing 3 transactions within the month.

Now looking for cheap coupons to buy ;-)
Or should I just pump RM1.00 worth of petrol ?