Thanks again Bro.

Much better now, I bet Citibank will come back here soon and advertise since now they have promo RM150 cash back for new applicants.


To All: I just published a short article on HSBC 10X Reward Points and OCBC Additional 2% Cash Back for Overseas Transactions.

The HSBC Promo only good for Fridays, Saturdays and Sundays and capped at RM3,300/card

OCBC promo applicable on all days but they only allocated RM8000 per week. Looks like those swiping on weekends won't be getting the 2% but still got chance to win the MacBook Air.

Click here to read my article on Overseas Promo.

Yes, you can complain to AMEX.

And yes, Hour Glass did accept my AMEX without surcharge when I bought a watch early this year where at that time AMEX got promo 15% cash back.


Thanks Bro for pointing out above, that is a very important criteria. Updated my blog.

AA is making money from us paying for the tickets, taxes and whatever charges months in advance. Imagine how much they earn from interest itself. Not only that, they also make money by delaying like forever refunds for airport tax when we do fly on the day we book the tickets. It has been a year since I requested for my airport tax to be refunded, but up to date, still have yet to receive it. After credit card, I think AA model of collecting money upfront is the best way to make money out of nothing.

To all: RHB is now offering 0% 6 months Balance Transfer Plan until 31 January 2012. This is great, at least I may actually benefit from my RHB Plat in January 2012 when CIMB and MBB 0% BT expire. Was wondering how to maximize returns from my children's school fees in January with credit cards and now I got my answer

Click here to read my short article on RHB 0% 6 months balance transfer plan and 0% installment for iPad2.^

For those who missed my article on Education Bills with credit card, click here to read it.

This post has been edited by Gen-X: Nov 20 2011, 10:09 PM

Talking about credit card surcharge, here's what some merchants are advertising at garage sale

> [WTS]Google Android Phone in Malaysia (ORI) 17/11, Moto,LG,Samsung,HTC,SE,Huawei,Acer,ZTE (Samsung)
Note: Maybank 0% interest for installment. For RHB 9%



Same guy > [WTS]【IMCC ORIGINAL HANDPHONE SPECIALST SHOP】, FULL RANGE PRODUCT !!! C.CARD (17/11) (LG)
Note: Here +5% for Maybank Installment



Make more sense to use a card without surcharge and if want installment convert to 0% Balance Transfer

This post has been edited by Gen-X: Nov 21 2011, 02:54 PM

What you mean by beginner? If you read vanderbilt post above, beginner also can get RM20K credit limit and Free For Life annual fees.

How's your CCRIS records? How long have you been working? Is your company a MNC? What is your occupation? Did they call your office or home or mobile phone and no one answered it? You don't have to answer this questions here but just to let you know besides income, there are other criteria that banks look into when they process your application.

But I would like to know which bank rejected your application.

Aiyah, if she really really needs a higher CL, ask her go get the AMEX charge card lah.

Credit Limit also got good or bad deal ar If she really wants to know, ask her go apply OCBC and see what she gets and then if she don't mind sharing the info let us know.

This post has been edited by Gen-X: Nov 22 2011, 11:15 PM

welll, if she apply OCBC CC then we will know she got a "good deal" or not, won't we?

check out this thread http://forum.lowyat.net/topic/741069, post#14 by b00n

If you go to HSBC thread, there's a guy with Platinum card having CL RM3K. Maybe your credit history record is too "clean" haha. Anyway, try CIMB or banks you have accounts with.

exactly, I also blur what you mean when you said your friend want to know good deal or bad deal Who really knows how banks assign credit limit for those earning RM36K and above.

If OCBC not suitable, try MBF for comparison sake. But I can tell you one card that can give her higher CL, ask her go apply CIMB VS, with her salary, she will get higher CL than her MBB 2 Plat. But will you then say she got a bad deal for he MBB 2?

**Edited**
CL does not mean anything, it's the cardholder spending pattern that is of importance when considering a credit card.

For examples:

If one gets CL of RM10K for OCBC TMC, does that mean he or she got a bad deal? The OCBC TMC is only good for up to RM1K transactions with the 5% cash back. RM100K CL with OCBC TMC is useless.

Compare CIMB VS where CL is RM50K but only earns the cardholder 1X points to MBB 2 AMEX, which is better for transactions at Louis Vuitton or when buying groceries at TESCO?

And like I said, want higher CL, go get AMEX charge card and enroll into Turbo Points and earn 1.5% equivalent cash back.

This post has been edited by Gen-X: Nov 23 2011, 10:31 AM

I received my MBB VI Priority Pass Membership card by courier, I guess many members yet to get their Priority Pass Membership Card because my number is 436500 00000000XX, that means I am most probably among the first 100 MBB VI cardholder to be issued PPM card. Unlike PB CC, certain numbers are allocated to PB customers which I don't think Priority Pass does it. If I tell you the last two digits of my number, you guys won't believe me.

This post has been edited by Gen-X: Nov 25 2011, 12:11 PM

You guessed 67

To All: Just published a short article on Credit Card Interest - Quickest Way to being Poor, click here to read it. Good for those wanting to calculate interest charges and duration to settle outstanding balances. And to add, alexwsk have also given a link (for some time now) to credit card interest calculator in the first post of this thread.

Sorry to keep you guys guessing I just came back from 2PM concert, had to take wifey and daughters to my first kpop concert Check out live photos here

WoW! If I have this number, I will make sure I keep the MBB VI till the day I die, haha. I am sure this number was given to MBB's current CEO.

Aiyah, Alec has the number I want Just for fun altered his photo or maybe it is his card number

This post has been edited by Gen-X: Nov 26 2011, 01:45 AM


Attached thumbnail(s)

I don't think 2PM themselves making lots of money but Ticket Charge and JYC, Yah, the tickets are overpriced for the Rock Pit, but my daughter wanted to be near the stage, not only am I deft now but my legs are sore. Well, I had to take them there so might as well go join them and thought I try to fell like 18 again, haha. You talking about this special edition album which you have too?. Didn't know you a KPop fan. Told my wife I only going to a all girl KPop band concert next time and see some legs, haha

This post has been edited by Gen-X: Nov 26 2011, 02:28 AM

I only like to watch the girl group performing, where they all look the same to me, but all have nice legs The odd thing is the girls can jump up and down but don't sweat.
I don't think they accept AMEX. If you see Ticket Charge website, only Visa and MasterCard. My eldest daughter Q up early morning at Viva Home as she was afraid the tickets will be sold out with a TM Bill, in the rain too, but by the time it was her turn, the offer for the discount habis Yesterday she went to Q up early morning (must have inherited the kiasu attitude from me), we only check on her at 5.30pm and then went to Pavilion for dinner and enter the stadium at 8pm. She is like you into KPOP and she is currently sitting for her SPM and going to a concert Thursday, right after her exam, rushed her to Hilton for the high 5 session. Sorry going OT guys, got something in common to talk to Miles besides Credit Cards hahaha

Alec, I wish to have the 88 too

If you don't mind, this other PPM card from which bank? Odd that it shares the same first 4 digit with MBB VI. Maybe then again not, how many digits does this card have compared to MBB VI's PPM.

All this while I though that the PPM card first 4 digits will be similar to the credit card first 4 digits. My other PPM cards have same first 4 digits with EON VS and SCB VI.

I just checked my wife's PPM that comes with CB PremierMiles and the first four digits are different. Citibank VSPM first four digits 4322 whereas the PPM card 8883 (nice number).

This post has been edited by Gen-X: Nov 26 2011, 10:52 AM

Bro, I didn't even realise that EON VS share the same first 4 digits with MBB VI until I saw your pic above and then go double check mine. Noted, 1st 6 digits same as card.

But the EON VS PPM card only has 12 digits [mine also 1st 100 ] but the MBB PPM 16 digits.

Your PPM for RHB Plat still can use? I use to have one from RHB Plat many years ago but last year reapply RHB Plat no more PPM..

This post has been edited by Gen-X: Nov 26 2011, 04:56 PM

Yah, MBB VI 2X TP better than HLB VS 1.5 points for local spending, overseas no need to say MBB VI way better.

My annual fee for the HLB VS coming up next month since I spent less than RM30K with it. 2 weeks ago I insisted that Ex-EON Call Centre rep confirm to me if they are waiving the coming annual fee or not, and the CS I spoke to confirmed it will be waived Now considering if I should keep the HLB VS because it is White and foolishly pay the RM50 GST

Yah, RHB no more issuing the PPM with Plat but allow 4 free access to KLIa or LCCT or Senai.

scrolling 80+ pages is a hassle but if you had did a search, you would have gotten the answer immediately

You too a Kpop fan? Bro, what you like about KPop and you know Korean language? Paula or whomever gets the group can learn a thing or two from KPop for next season X-Factor. Anyway, for both of you Mods, here are some videos for you l Put on headphones and set volume to max for the countdown video and it be like as if you went to the concert and your ear drums damaged

As for the food at PPL, I guess you have to eat more often so that your stomach can adapt to it Seriously, I never touch sandwiches as I don't know how long ago it was prepared. Recently, no one reported anything good about the food at PPL. I just want free coffee And who it the right mind (non transit) would pay USD27 to enter KLIA or LCCT PPL when we can get much much better food else where.

EON Bank's highest level credit card was Visa Signature as far as I know.

To ALL: Few weeks ago Miles mentioned to me about Wordpress so I went to check it out and yesterday set up a blog there too My post at Wordpress will be short and mostly on credit card promos and as such I expect to post more often at wordpress. So, please drop by my blog at wordpress frequently to check the latest happenings on credit cards. My blogspot shall remain the same where I will publish articles with info that I think can benefit others.

Click here to check out My Credit Cards at Wordpress So far only one introductory post, haha

** Edited - quote deleted as requested **

Sorry to hear abut your predicament.

So did you go to the Financial Medication Bureau and met them there? Is yes what happen?

I don't think it is the bank's duty to go trace who stole the card. Odd that they mentioned about the CCTV thingy to you.

So, did they ask you to pay up and charging you interest now?

As far as I can see, your case similar to Diane Chee's case. If the bank is demanding that you make payment for the fraud charges, I guess you better go seek legal advise and sooner the better instead of letting them imposed interest charges and having bad payment records.

This post has been edited by Gen-X: Dec 2 2011, 12:14 AM