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 Credit Card v16, Ask general questions here, Please read the 1st post before posting!

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Gen-X
post Dec 12 2011, 09:28 PM

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QUOTE(cute_boboi @ Dec 12 2011, 10:31 AM)
Great year end summary and conclusion.

Can't wait for the 3-dragon  laugh.gif
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Me too, haha. Thanks for reading it.

QUOTE(shiroikun @ Dec 12 2011, 11:41 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
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I think wait till I die the card also won't be out, like I said, wasted my time designing it, haha. Once gain, thanks for reading it.

QUOTE(b00n @ Dec 12 2011, 03:13 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. smile.gif
*
Yes, the calculator is great. Thanks, I will post it at my blog to share with others. Thanks for pointing it out.

alexwsk - I saw that you have updated 1st post thumbup.gif


QUOTE(ronnie @ Dec 12 2011, 01:01 PM)
I still think black is a poor background color for loooong text. Other than that KEEP UP THE GREAT WORK !!!
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Thank you ronnie for reading myt articles and pointing out the past errors.

QUOTE(gerrardling @ Dec 12 2011, 03:37 PM)
yeah, change to font color or back ground color. once finished reading, feeling dizzy
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You get high for FREE tongue.gif Thanks for reading my articles Bro.

This post has been edited by Gen-X: Dec 12 2011, 09:35 PM
SUSDavid83
post Dec 12 2011, 11:10 PM

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Public Bank, Visa launch premium card

Public Bank Bhd and Visa today launched the Public Bank Visa Infinite card, offering affluent Public Bank customers a premium card tailored to help them enjoy the finer things in life.

Read more: Public Bank, Visa launch premium card http://www.btimes.com.my/Current_News/BTIM...l#ixzz1gKjeXQOQ
SUSrockefeller
post Dec 12 2011, 11:14 PM

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QUOTE(David83 @ Dec 12 2011, 11:10 PM)
Public Bank, Visa launch premium card

Public Bank Bhd and Visa today launched the Public Bank Visa Infinite card, offering affluent Public Bank customers a premium card tailored to help them enjoy the finer things in life.

Read more: Public Bank, Visa launch premium card http://www.btimes.com.my/Current_News/BTIM...l#ixzz1gKjeXQOQ
*
Interesting but knowing how kiamsiap PB is, i wonder how meagre the minimum credit limit for their Visa Infinite will be. RHB's starts at RM 200k according to their PDS, CIMB's at RM 100k. 50k?
gerrardling
post Dec 12 2011, 11:22 PM

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The Public Bank Visa Infinite card comes without an annual fee for cardholders, offers a one per cent cash rebate for overseas transactions and 0.5 per cent cash rebate for local transactions, as well as complimentary access to airport lounges

Nothing special about this card. MBB VI totally pawn this card
SUSrockefeller
post Dec 12 2011, 11:33 PM

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QUOTE(gerrardling @ Dec 12 2011, 11:22 PM)
The Public Bank Visa Infinite card comes without an annual fee for cardholders, offers a one per cent cash rebate for overseas transactions and 0.5 per cent cash rebate for local transactions, as well as complimentary access to airport lounges

Nothing special about this card. MBB VI totally pawn this card
*
Fully agree.


Added on December 13, 2011, 12:13 amBro Gen-X,

If my memory serves me right, you have both the HL (prev EON) VS and HL Platinum Master before the merger. Out of curiosity, what happened to the cards after the merger (since you have both)?

Have they merged both bank's card database or still two separate cards with separate limits at the moment?

This post has been edited by rockefeller: Dec 13 2011, 12:13 AM
MilesAndMore
post Dec 13 2011, 12:36 AM

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QUOTE(David83 @ Dec 12 2011, 11:10 PM)
Public Bank, Visa launch premium card

Public Bank Bhd and Visa today launched the Public Bank Visa Infinite card, offering affluent Public Bank customers a premium card tailored to help them enjoy the finer things in life.

Read more: Public Bank, Visa launch premium card http://www.btimes.com.my/Current_News/BTIM...l#ixzz1gKjeXQOQ
*
Oh Public Bank... it should be 1% for all local transaction and 2.5% - 3% for all overseas transaction nod.gif This way many people will jump ship.

This post has been edited by MilesAndMore: Dec 13 2011, 12:36 AM
ericwen
post Dec 13 2011, 08:43 AM

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hi everyone,

i notice the "Maybankard 2 Gold and Platinum Cards V2" thread is closed. So I guess will post here instead.

I just paid my recent credit card bills RM1,000.76 and it is showing as below:-

Minimum payment amount:
RM0.00
Outstanding balance:
RM0.00
Statement balance:
RM1,000.76

How come my statement balance is still RM1,000.76 and not ZERO? Before this it will always show ZERO when I clear my credit card? A bit confused.

Any help? Thanks.

SUSDavid83
post Dec 13 2011, 08:59 AM

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The statement balance will only be updated in the next bill cycle.
ronnie
post Dec 13 2011, 09:10 AM

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QUOTE(ericwen @ Dec 13 2011, 08:43 AM)
hi everyone,

i notice the "Maybankard 2 Gold and Platinum Cards V2" thread is closed. So I guess will post here instead.

I just paid my recent credit card bills RM1,000.76 and it is showing as below:-

Minimum payment amount:
RM0.00
Outstanding balance:
RM0.00
Statement balance:
RM1,000.76

How come my statement balance is still RM1,000.76 and not ZERO? Before this it will always show ZERO when I clear my credit card? A bit confused.

Any help? Thanks.
*
As long as Outstanding Balance shows RM0.00 ... mean you don't owe the bank
Gen-X
post Dec 13 2011, 09:49 AM

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QUOTE(rockefeller @ Dec 12 2011, 11:33 PM)
Fully agree.


Added on December 13, 2011, 12:13 amBro Gen-X,

If my memory serves me right, you have both the HL (prev EON) VS and HL Platinum Master before the merger. Out of curiosity, what happened to the cards after the merger (since you have both)?

Have they merged both bank's card database or still two separate cards with separate limits at the moment?
*
As of date only the Ex EON Bank statement letterhead logo is changed to HLB logo, others remain the same e.g separate CS number and CL. Not sure for new customers.

Talking about PBB CL for their VI, you might be surprised that the CL may be high since one needs to deposit RM500K to enjoy their Red Carpet privileges.

This post has been edited by Gen-X: Dec 13 2011, 09:50 AM
ericwen
post Dec 13 2011, 10:24 AM

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noted and thanks smile.gif
rayng18
post Dec 13 2011, 12:05 PM

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QUOTE(Gen-X @ Dec 13 2011, 09:49 AM)
As of date only the Ex EON Bank statement letterhead logo is changed to HLB logo, others remain the same e.g separate CS number and CL. Not sure for new customers.

Talking about PBB CL for their VI, you might be surprised that the CL may be high since one needs to deposit RM500K to enjoy their Red Carpet privileges.
*
Its published in The Star today and its by INVITATION ONLY
Gen-X
post Dec 13 2011, 03:16 PM

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QUOTE(vexus @ Dec 13 2011, 02:11 PM)
recently there is damn a lot of credit card center calling me to offer me new credit card. They so desperate of customer. Some more govt charging rm50 for each card, do oyu think i going to accept your card?

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Please elaborate on the names of the card issuers where their representative call you to offer you new credit cards. It is very common for them to call to offer personal loans, BT or other card promotions but not many call me to offer new card.

This post has been edited by Gen-X: Dec 13 2011, 03:16 PM
pspfan
post Dec 13 2011, 04:17 PM

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for me i was offered the MBB VI thru phone call last fri and received the card today. decided to keep the mbb2 card plat as weel as adviced by genx. might cancel my mbb WMC since its almost the same as the MBB VI?
cute_boboi
post Dec 13 2011, 05:01 PM

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For me, for the past 2-3 weeks, I receive 2 calls from Price Solution for stanchart personal loan, BT and CC.
Also, single call from Citibank for personal loan and CC.

TeraPox
post Dec 13 2011, 06:24 PM

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QUOTE(pspfan @ Dec 13 2011, 04:17 PM)
for me i was offered the MBB VI thru phone call last fri and received the card today.  decided to keep the mbb2 card plat as weel as adviced by genx. might cancel my mbb WMC since its almost the same as the MBB VI?
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WMC makes u enrich miles... while VI makes u treat points to change goodies...

WMC comes with hilton card while VI comes with starwood card...

WMC allowing u to enter Mas Golden lounge (xtra 500 bucks) while VI allowing u to enter normal lounge all around the world..

WMC from Master and VI from Visa

WMC looks cool, VI looks cooler

WMC got no much dining previlleges but VI comes with alot of Buy 1 free 1 offer..

smile.gif


Added on December 13, 2011, 6:25 pm
QUOTE(Gen-X @ Dec 13 2011, 03:16 PM)
Please elaborate on the names of the card issuers where their  representative call you to offer you new credit cards. It is very common for them to call to offer personal loans, BT or other card promotions but not many call me to offer new card.
*
Citib*nk called me... offering me a huge amount of personal loan WITH 0%interest....

but need to charge one time admin fee = 5%

lol... old trick... wont fall for it... biggrin.gif

This post has been edited by TeraPox: Dec 13 2011, 06:26 PM
rickkywong
post Dec 13 2011, 08:56 PM

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Something new to share....

Aeon Gold Credit Card...A gold card with Platinum benefit.
http://www.aeonmalaysia.com.my/acs/af/kona...dChannels=-8814




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manjohari
post Dec 13 2011, 09:10 PM

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While walking at 1u old wing last saturday, i was offered maybank visa infinite using other cc with minimum credit limit of 40k by one agent at the booth, very low requirement indeed, not so premium after all.
TeraPox
post Dec 13 2011, 09:12 PM

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QUOTE(rickkywong @ Dec 13 2011, 08:56 PM)
Something new to share....

Aeon Gold Credit Card...A gold card with Platinum benefit.
http://www.aeonmalaysia.com.my/acs/af/kona...dChannels=-8814
*
Too bad. Nowadays,ppl prefer platinum with gold benefit. No much ppl want god with platinum benefit. biggrin.gif
MilesAndMore
post Dec 13 2011, 09:41 PM

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QUOTE(manjohari @ Dec 13 2011, 09:10 PM)
While walking at 1u old wing last saturday, i was offered maybank visa infinite using other cc with minimum credit limit of 40k by one agent at the booth, very low requirement indeed, not so premium after all.
*
Really ? But Maybank doesn't accept fresh application simply using your existing card as reference anymore, not since March this year.

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