yup....u totally correct n FYI they cant check how much u pay. they only can know ur total CL in their system for each card....

many people dont know how the CCRIS work....i can double confirm it as i working in bank before...

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Added on December 9, 2011, 9:55 amonly some higher management or internal officer can check....

those sales and marketing people dont have the right to check it.....which mean those banker sell car loan,house loan, credit card etc they dont have the power to check....

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Added on December 9, 2011, 9:56 amhi

does anyone using HSBC? the promotion regarding about spend rm150 twice a week n win rm50 air asia voucher....izzit applicable for online purchase as well?

This post has been edited by maru: Dec 9 2011, 09:56 AM

got a call from maybank asking me to switch my maybank2card to visa infinite.. foc frist year .. is this card any good? thks

from HSBC website
In general it states - Swipe 2 times of minimum RM150 per swipe in a week on any shopping, groceries, dining, department store & petrol spend
In T&C clause 10, click here to read it - Includes 0% installment plans, Internet transactions, local & overseas retail transactions. And it also EXCLUDES many merchants like utilities, travel, hotels, etc
Promotion ending 11 December 2011 and don't forget to register for it.


Recent posts at my wordpress blog:

Click here on UOB One Card petrol promotion- starting today until Sunday 11 December, UOB One Card earn extra 5% SMARTS Cash at BHP Too bad I don't have One Card. Seriously, I should consider terminating my Plat and switch to One Card. I got a feeling more pormotions will be on the way.

Click here to learn about Standard Chartered Bank credit card year end promotion - guaranteed gift for first 10,000 cardholders who register via sms and spend RM4K PLUS 2 daily winner for grand prize 47" LED TV until 4th January 2012. The guaranteed gift is a Philips Micro Hi -Fi system, but who really need this with everyone having smartphones?


0% Installment Plans - Great for Christmas shopping but also a method by the banks to entice the consumers to spend and spend more and to ensure the card holder can't cancel their cards since they have installment plan outstanding.

Click here to read about AmBank 0% installment up to 12 months for Ladies only - this is pure discrimination Ladies get to combine their transactions on the same day at Isetan, JJ, Parkson, MJ, Robinsons and Tangs to 0% installment. Anyway, for the guys, AMBank do allow all their cardholders to convert to 0% 6 or 9 months installment plans.

Click here on RHB Bank credit card 0% 6 months installment plan promotion for retail transactions.


Click here to read my review on Maybank Visa Infinite and also click here to read my review on the Maybank Visa Infinite where I mentioned it is best for overseas.. Generally MBB VI is great for overseas and for local spending at places that does not accept AMEX. But I would advise you not to cancel your Maybankard 2 Cards because the AMEX is better than MBB VI for local use.

This post has been edited by Gen-X: Dec 9 2011, 10:30 AM

MBB is offering a premier card for you.. Unlikely they will cancel your Maybankard 2

Thanks for the head up. I googled up CardPac and the system had existed since 1982.

Click here on RHB Bank credit card 0% 6 months installment plan promotion for retail transactions.
Click here to read my review on Maybank Visa Infinite and also click here to read my review on the Maybank Visa Infinite where I mentioned it is best for overseas.. Generally MBB VI is great for overseas and for local spending at places that does not accept AMEX. But I would advise you not to cancel your Maybankard 2 Cards because the AMEX is better than MBB VI for local use.

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thks for the heads up.. great site u have there thumbs up !!! cheers

Hi all, how to check swift code for bank in malaysia?

Which bank?

I went to Stanchart KL Main just now to clear my credit card outstanding via cash deposit machine. I was shocked to hear they will only take my payment into account on Monday as today and tomorrow are not working days. THIS IS RIDICULOUS.

When I pay my cimb or maybank credit cards via their cash deposit machines, they are effected immediately! I repeat IMMEDIATELY.

Standard Chartered Here For Good? Of course has to be here for good since it takes AGES to get a bloody transaction done!

SUCH A JOKE, STANDARD CHARTERED!

This post has been edited by rockefeller: Dec 10 2011, 06:56 PM

Hey guys,

I was just looking through credit cards recently because a family member was requesting for one just for a purchase (via 0% instalments). I've considered the request but I could've missed important details, so I'd like to seek for your opinions.

Apart from that one purchase via instalments, I thought about using a credit card for expenses such as bills, groceries, and air tickets (perhaps emergencies too). From my calculations, I spend only about RM400-600 (domestic flights, groceries and bills) a month - I have these covered with the combination of a debit card and online banking. As for emergencies, I have an emergency fund set up.

With most cash-back credit cards capped at RM50 per month, does it make financial sense to get a credit card just for RM30 cash back (for expenses etc) per month, a one-time purchase, potential emergencies and possibly negligible air miles?

Thanks in advance.

hey guys, i read on RHB online mentioned that they are giving away 50% rebate on GSC ticket which purchased through android phones. i just tried it and it still the same amount. how ah?

TS, time to edit No. 4 and include Maybank Visa Infinite

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Added on December 11, 2011, 1:29 pmJust checked on Stanchart's online banking, payment already reflected. It seems Stanchart's Infinite Customer Service Officers don't really know what are they talking about then.

This post has been edited by rockefeller: Dec 11 2011, 01:29 PM

Cool brother, possible to share how u get invited for the card? Should be they upgrade u from Enrich Platinum to Enrich World right?
Thanks for sharing.

Yup they upgraded from Enrich Platinum to Enrich WMC.

I took our master tgeoklin's advice, got the bank's senior management to get to know me and notice my portfolio.

I just published My Credit Cards 100th Post - The Best Credit Cards in 2011 The contents have no new substance except me blah blah blah. I even wasted time designing the Ultimate Credit Card for the year of the dragon

I would like to thank you guys for using up your time to read my articles at my credit cards blog and pointing out the numerous errors and typos too. Even though I may not reply your post, I do appreciate when you guys post here to mention that you found my articles interesting or informative or enjoy reading them. Come to think of it, a reader did comment my posting as a "service", which is in a way true because I started the blog 2 years ago because people keep asking the same questions here and with my articles I hope to provide the relevant answers they are looking for (but somehow always sidetrack, haha). Once again, thank you.

This post has been edited by Gen-X: Dec 12 2011, 07:20 AM

Stanchart should be same day. Even for my housing loan, I banked in a cheque (not cash) on Sat evening (not yet clear and need 2 days float), it gets reflected on my monthly statement as Sat banked in.

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Added on December 12, 2011, 10:40 amGreat year end summary and conclusion.

Can't wait for the 3-dragon


This post has been edited by cute_boboi: Dec 12 2011, 10:40 AM

I don't think this type of 3 dragon will be having so soon since it involve VISA, MASTER AND AMEX... may be in the near future of 10 years? or it will not going to happen...haha, it is not so easy to merged these 3 company together or cooperate with each other and split out the profits

I still think black is a poor background color for loooong text. Other than that KEEP UP THE GREAT WORK !!!

This post has been edited by ronnie: Dec 12 2011, 01:01 PM

@Gen-X,

Found one online calculator by AKPK. Quite useful I think.
http://www.akpk.org.my/tools/calculators?calc=content_3
The normal balance outstanding, interest rate (which one can enter).
Then if Min pay, it takes how long and how much interest incurred.
Else if fix monthly repayment, how long as well as interest incurred.
And one can do it side by side which is good for comparison.

yeah, change to font color or back ground color. once finished reading, feeling dizzy