Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Card v16, Ask general questions here, Please read the 1st post before posting!
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 Jun 5 2011, 12:28 PM
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Junior Member
428 posts Joined: May 2006 From: JB--Cyber  
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QUOTE(Human Nature @ Jun 5 2011, 12:16 PM) better request for black and white for this GST waiver..never heard such thing before hmmm... dont think they will provide any black and white for all these. Even i request the brochure of the 8% discount promotion, he said i can only get this in internet. I only got his name card. |
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Jun 5 2011, 10:44 PM
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Senior Member
2,323 posts Joined: Nov 2004 From: Smallville
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QUOTE(Gen-X @ Jun 4 2011, 11:32 PM) OT: wah wife threaten you. Not good. Maybe ask you wife to join the Obedient Wife Club and then she'll obey you, hahaha OT: she did obey me. she just dont want us to have any debt  QUOTE(David83 @ Jun 5 2011, 11:33 AM) CIMB always extends their promotional plans. except for petrol rebate, ended last year  but this Smart Flexi-Pay Plan is good!  QUOTE(UltraConductor_41 @ Jun 5 2011, 02:12 AM) i came across a roadshow that held in my nearby shopping center today. The sales person told me HSBC is offering 8% cash rebate discount in grocery, petrol and dining. Its valid until the end of this year. Anyone can confirm this?? The card he intro is HSBC Gold. NEVER heard such thing.He also told me they will waive the annual fees and government fees for the 1st year with only 3 swipes. Is this true?  QUOTE(UltraConductor_41 @ Jun 5 2011, 12:28 PM) hmmm... dont think they will provide any black and white for all these. Even i request the brochure of the 8% discount promotion, he said i can only get this in internet. I only got his name card. of coz no brochure, coz its not true for gold card, hsbc website stated - free annual fee if swipe 12x/year . unless u got black & white saying free annual fee for life w/o any condition (i did, 3 years ago). |
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Jun 5 2011, 11:03 PM
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Junior Member
143 posts Joined: Sep 2006
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I have a question, if my credit limit is rm4000k, I have already used up to rm3600, will I still able to swipe for rm600?
Is there any charges and how will it affect my scores? |
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Jun 5 2011, 11:18 PM
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Senior Member
712 posts Joined: Sep 2010
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QUOTE(nemesis86 @ Jun 5 2011, 11:03 PM) I have a question, if my credit limit is rm4000k, I have already used up to rm3600, will I still able to swipe for rm600? Your transaction will fail.Is there any charges and how will it affect my scores? |
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Jun 5 2011, 11:35 PM
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Senior Member
2,323 posts Joined: Nov 2004 From: Smallville
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QUOTE(nemesis86 @ Jun 5 2011, 11:03 PM) I have a question, if my credit limit is rm4000k, I have already used up to rm3600, will I still able to swipe for rm600? NO. ur transaction will be rejected.Is there any charges and how will it affect my scores? go pay rm300 at least or more first into your card account. it will free up the balance of the CL. CL = 4000, recent = 3600, available = 400 pay = 300, available = 700 |
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Jun 5 2011, 11:37 PM
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Moderator
3,395 posts Joined: Dec 2007 From: 서울, South Korea
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QUOTE(nemesis86 @ Jun 5 2011, 11:03 PM) I have a question, if my credit limit is rm4000k, I have already used up to rm3600, will I still able to swipe for rm600? It is very obvious that your transaction will be declined / rejected by the bank. Is there any charges and how will it affect my scores? What are you trying to do ? It seems your action is intentional and deliberate by yourself. |
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Jun 5 2011, 11:57 PM
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Senior Member
1,488 posts Joined: Oct 2009
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QUOTE(erry- @ Jun 5 2011, 11:35 PM) NO. ur transaction will be rejected. I do have experience on this. go pay rm300 at least or more first into your card account. it will free up the balance of the CL. CL = 4000, recent = 3600, available = 400 pay = 300, available = 700 Few years ago, my spending reached my CL, however, i m still can use my card up to RM2K, which exceed my CL. So, i guess it's depending on which bank, not all bank allow this? Luckly that bank didn't charge me overlimit fee.. |
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Jun 6 2011, 12:23 AM
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Moderator
3,395 posts Joined: Dec 2007 From: 서울, South Korea
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QUOTE(Alec.Yong @ Jun 5 2011, 11:57 PM) I do have experience on this. Yes ... not all bank allow this and yes ... there's that overlimit fee (varies from bank to bank) you need to worry about. Plus the amount overlimit must be paid in full, the 5% rules does not apply for the overlimit amount. If it is accidental then it is OK since most people don't keep track of the CL utilization, however the person who asked the question was aware of his current CL standing but (seems) wants to intentionally exceed his CL.Few years ago, my spending reached my CL, however, i m still can use my card up to RM2K, which exceed my CL. So, i guess it's depending on which bank, not all bank allow this? Luckly that bank didn't charge me overlimit fee.. The T&C for most banks have changed since then. Last year SCB, immediately blocked my card the moment an overlimit occurs. Need to clear CL before card is unblocked by the bank which took a few days after payment is done. |
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Jun 6 2011, 12:49 AM
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Senior Member
5,155 posts Joined: Jan 2003
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QUOTE(nemesis86 @ Jun 5 2011, 11:03 PM) I have a question, if my credit limit is rm4000k, I have already used up to rm3600, will I still able to swipe for rm600? You wont be able to swipe.Is there any charges and how will it affect my scores? QUOTE(hye @ Jun 6 2011, 12:23 AM) Yes ... not all bank allow this and yes ... there's that overlimit fee (varies from bank to bank) you need to worry about. Plus the amount overlimit must be paid in full, the 5% rules does not apply for the overlimit amount. If it is accidental then it is OK since most people don't keep track of the CL utilization, however the person who asked the question was aware of his current CL standing but (seems) wants to intentionally exceed his CL. This also varies from bank to bank. AFAIK, most banks dont block your card if you over swipe it. It just reject that particular transaction. They will call you and verify if it was you that did the transaction.The T&C for most banks have changed since then. Last year SCB, immediately blocked my card the moment an overlimit occurs. Need to clear CL before card is unblocked by the bank which took a few days after payment is done. Recently I tried to swipe 1.6k into my PBB card but it was rejected because I didnt know it hit the CL already. Immediately, 2 calls (both different officer called and verify whether if I was the person that did the transaction or not). Hours later, I used the same card and swipe for something that was within my credit limit and it went through without any hiccup. This post has been edited by tifosi: Jun 6 2011, 12:49 AM |
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Jun 6 2011, 09:55 AM
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Junior Member
176 posts Joined: Aug 2006
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QUOTE(Alec.Yong @ Jun 5 2011, 11:57 PM) I do have experience on this. From personal experience as well, I have swiped above my CL various times with no problems and no overlimit fee (AMEX Gold Credit Card as well as MBBKard2) subject to the amount. As I expected to exceed CL, I did telephone AMEX's CS beforehand who informed me that there is usually an allowance of RM1,000 (above the CL granted) for those with good credit/payment records. Once you exceed the aforesaid allowed sum, transactions will be declined.Few years ago, my spending reached my CL, however, i m still can use my card up to RM2K, which exceed my CL. So, i guess it's depending on which bank, not all bank allow this? Luckly that bank didn't charge me overlimit fee.. As an update to my earlier post on "Purchases from Apple Online via CIMB/Direct Access Credit Card" at pg 1 and in the spoiler below, CIMB/DA declined my transaction dispute as well as appeal for waiver of the extra cross border fee charges. Well, once their BT promotion is over and there is no additional incentive, perhaps it's time to cut the card. » Click to show Spoiler - click again to hide... « This post has been edited by wshoh: Jun 6 2011, 10:02 AM |
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Jun 6 2011, 10:13 AM
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Elite
8,601 posts Joined: Jan 2003 From: KL 
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QUOTE(erry- @ Jun 5 2011, 10:44 PM) OT: she did obey me. she just dont want us to have any debt I was JK, anyway good for you that your wife does not want debts. OT: Click here to read about my post on my thoughts regarding the wife's club at Ringgit Wise Fool. I also just posted an article titled Credit Cards are Cash Cow for Banks. Are you working for the banks? I must admit that I did overspent with banks offering 0% plan for this and that  Click here to read my article Credit Cards are Cash Cow for Banks. In this article I mentioned about 0% Installment Plan, BT and other benefits of credit cards that entices us to spent beyond our means. And then we are imposed interest rate which is damn high. And that credit card is the best product in the world to make money. |
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Jun 6 2011, 11:04 AM
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Senior Member
3,008 posts Joined: Sep 2005 From: T.T.D.I, Bukit Damansara
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Pizza Hut no longer accept CC payment for online ordering.
Don't know if it's temporary or what. |
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Jun 6 2011, 03:37 PM
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Senior Member
2,323 posts Joined: Nov 2004 From: Smallville
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QUOTE(Gen-X @ Jun 6 2011, 10:13 AM) OT: Are you working for the banks? I must admit that I did overspent with banks offering 0% plan for this and that OT: no i'm not working for the banks. and yes, i also sometimes spent beyond with 0% installment plan Click here to read my article Credit Cards are Cash Cow for Banks. In this article I mentioned about 0% Installment Plan, BT and other benefits of credit cards that entices us to spent beyond our means. And then we are imposed interest rate which is damn high. And that credit card is the best product in the world to make money.  Added on June 6, 2011, 3:38 pm QUOTE(cannavaro @ Jun 6 2011, 11:04 AM) Pizza Hut no longer accept CC payment for online ordering. why need to pay online? just choose cash, then at pizzahut pay using amex Don't know if it's temporary or what. its easy. no need to print anything ~ This post has been edited by erry-: Jun 6 2011, 03:38 PM |
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Jun 6 2011, 06:25 PM
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Senior Member
2,326 posts Joined: Nov 2006 From: Maltese Planet ^_^
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Except citibank cash bank, what is another card, which is good.
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Jun 6 2011, 09:08 PM
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Senior Member
4,092 posts Joined: Jan 2003 From: USJ
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QUOTE(andyfriends @ Jun 6 2011, 06:25 PM) Except citibank cash bank, what is another card, which is good. depends on what u wantgenerally Maybankard 2 and OCBC titanium shud be gd enough for most |
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Jun 7 2011, 04:36 AM
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Senior Member
3,008 posts Joined: Sep 2005 From: T.T.D.I, Bukit Damansara
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QUOTE(erry- @ Jun 6 2011, 03:37 PM) OT: no i'm not working for the banks. and yes, i also sometimes spent beyond with 0% installment plan Not sure if I get you here but previously there was no need to print anything when ordering online. Just click click click fill the blanks and then just wait for the pizza to be delivered. Normally the riders would say 'dah bayar kan?' and I'd say 'yup'. Added on June 6, 2011, 3:38 pmwhy need to pay online? just choose cash, then at pizzahut pay using amex its easy. no need to print anything ~  I've no idea if they still have the mobile cc terminal though... from my experience the pizza hut riders always forget to bring the terminal despite the receipt clearly stating "AMEX/ VISA / MASTERCARD required". Plus their number is not exactly toll free.. so yeah that's why 'pay online'. Added on June 7, 2011, 4:40 ambtw, any Coffee Bean regulars here? Just wondering if there's a minimum amount required for cc payment. Don't wanna get into an embarrassing situation; just like the time when I tried to pay a RM10-ish bill at Secret Recipe with cc a few years back.. This post has been edited by cannavaro: Jun 7 2011, 04:40 AM |
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Jun 7 2011, 10:07 AM
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Senior Member
2,326 posts Joined: Nov 2006 From: Maltese Planet ^_^
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QUOTE(alexwsk @ Jun 6 2011, 09:08 PM) depends on what u want I have both of them already. Noow getting citi to get the free trolley bag promo.generally Maybankard 2 and OCBC titanium shud be gd enough for most so anyone has any idea except citi cash back, what is else is good in citi? |
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Jun 7 2011, 10:20 AM
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All Stars
21,308 posts Joined: Jan 2003 From: Kuala Lumpur 
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QUOTE(andyfriends @ Jun 7 2011, 10:07 AM) I have both of them already. Noow getting citi to get the free trolley bag promo. For Citibank Cash Back Platinum, the cash back rebate is creditted to your CC upon reaching RM50 only.so anyone has any idea except citi cash back, what is else is good in citi? |
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Jun 7 2011, 10:38 AM
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Senior Member
1,684 posts Joined: Apr 2008
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better get hlb essential although its only has 1% cashback on everything, but it will be credited to ur cc instantly on ur statement. or get SCB cc, ronnie is their big fan, he can explain it to you the reason
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Jun 7 2011, 11:00 AM
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All Stars
21,308 posts Joined: Jan 2003 From: Kuala Lumpur
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QUOTE(gerrardling @ Jun 7 2011, 10:38 AM) better get hlb essential although its only has 1% cashback on everything, but it will be credited to ur cc instantly on ur statement. or get SCB cc, ronnie is their big fan, he can explain it to you the reason SCB fan reporting in..SCB Business Visa offers 1. 1% cashback (0.5% instant cash-back, 0.5% ChoicePoints redemption) 2. UNLIMITED KLIA Plaza Premium Lounge Access 3. 3X ChoicePoints for overseas spending HLB Essential offers 1. 1% cashback (credit into your CC) I use the SCB Business Visa for big purchase, places don't accept AMEX or whenever used up the Cash-Back on OCBC Titanium or Maybankard2 AMEX. |
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