Diana Chee's amount was less than RM2K.

tgeoklin, if if happened to you. would you want to settle for more than RM250? If it was me, yah I offer them RM250, it they do not accept, I will see them in court. It's a matter of principle and we should not to be bullied by the banks, furthermore, there have been a precedent as in Diana's case.

This post has been edited by Gen-X: Nov 30 2011, 06:20 PM

Posted 2 short post on HSBC 20% cash back for F&B at MEgamall and Garden and AmBank Credit Card Pormotions 2012 at wordpress.

You are right except maybe for the first two days of the 1st weekend of the Dec 2011 and Jan 2012 where one may earn up to 20% cash back with AMBank credit cards.

I guess MasterCard is promoting the use of their cards since most of the listed banks' mastercard are not entitled to reward points except for CIMB Petronas where it gives cash back. I guess the contest is also applicable to MasterCard Debit Card.

if you see the link ronnie gave, UOB, Citibank and OCBC not shown.

Ok, good that you mentioned above, Let's say that the bank insist you pay the so called close to RM40K, are you willing to settle for more than RM250.00? Knowing that BNM guideline only limits the cardholder liability up to RM250 for fraudulent charges which has been upheld by the court.

Having said the above, next year when we are suppose to receive sms for our transactions, I will agree we cannot blame the banks if our handphones are switch off and we failed to read the sms notifying us of a possible fraud in progress.

This post has been edited by Gen-X: Dec 1 2011, 05:29 PM

Exactly, you would seek legal advise whereas you advised the TS to settle with the bank. The rest of us ask her to seek legal advise.

You got a point there.

This post has been edited by Gen-X: Dec 1 2011, 05:44 PM

Bro, haha, you should have said above earlier. I agree fully to the above statement, but from what I read, the TS cannot handle the matter herself as all she does here is complain. And in view of the urgency of the matter, she wants to email to the lawyer and contact Diana Chee No point we advise her anything else except to seek legal advise.

No break time to check sms?

Recently received my MBB VI statement, somehow it was not linked to my M2U, and was surprised to note that my Treats Points earned have been inflated much more than 5X for an overseas online transaction. Anyone experience the same?

Tjose of you going to PC Fair this weekend and wanting to buy a Guess watch for Christmas, click here to read my article on American Express Promotion at wordpress.

Did you read this thread?

yah, received two separate envelopes, Plat and VI where MBB2 statement combined with my other Plat cards and has the yellow Plat words on the letters where as VI statement are just plain black and white.

This post has been edited by Gen-X: Dec 3 2011, 01:58 AM

maybe our newbie mod accidentally deleted it.

Congrats Bro on your Enrich WMC

I guess you did not read the first post. Bingozero gave this link http://www.maybank2u.com.my/WebBank/FAQ_BNM030411.pdf

To ALL: Anyway, posted few articles:

My blog at Wordpress RHB 0% Balance Transfer and Maybank Treats Points On The Spot Redemption.

My blog at Blogspot: Apple iPad2 for RM999 with Maybankard 2 AMEX and On The Spot Redemption. Just FYI, Harvey Norman which allow us to use our AMEX cards for installment plans is now having a scratch and win contest where you are sure to get RM20 minimum for your next purchase.

This post has been edited by Gen-X: Dec 6 2011, 01:24 PM

From MBB FAQ http://www.maybank2u.com.my/WebBank/FAQ_BNM030411.pdf

You will also be given the option of settling the amount under the same repayment plan prior to the card being cancelled or restructure your card balances.

It seems many still are not aware of BNM guidelines even though it has been announced for months. So posted a short article at my wordpress blog. Click here to read Bank Negara Credit Card Guidelines

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

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

Me too, haha. Thanks for reading it.

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.

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


Thank you ronnie for reading myt articles and pointing out the past errors.

You get high for FREE Thanks for reading my articles Bro.

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

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

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

Let me guess RM250K 

As for the personal loans, I get average 1 call or sms a week.


It is possible that the agent may be correct about the Min CL RM40K to qualify for the MBB VI because I was told may MBB VI and even their WMC cardholders have CL RM50K. And I guess there maybe the sign up rate for the MBB VI not that encouraging since one has to spend RM50K to get the annual fee waived.

This post has been edited by Gen-X: Dec 13 2011, 11:57 PM