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

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MilesAndMore
post Jul 21 2011, 04:01 PM

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QUOTE(andy_lyy @ Jul 21 2011, 03:39 PM)
no need to wait.. i will cut mine next month.. be4 the anniversary..
Do you rarely use the card ?

MilesAndMore
post Jul 31 2011, 12:25 AM

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QUOTE(vanderbilt @ Jul 30 2011, 05:17 PM)
Wanna ask a question don't know if anyone can help.

I currently hold 3 credit cards:
Maybank World Mastercard CL RM 80k Outstanding none
CIMB World Mastercard CL RM 100k Outstanding 80k
MBF World Mastercard CL RM 50k Outstanding 40k

Been holding CIMB card since 2007, Maybank since 2008 and MBF since 2010.

That is all my commitment. No car loan no housing loan etc. Monthly gross salary is RM 25k. Payment in CCRIS all prompt never late. Do you think if I apply cards from other bank they will approve or do I fall under "high risk" category? I'm in my mid 20s.
It's a good thing to check our CCRIS once in a while. Well, BNM limits us to check it once everyone three months only. I wondered how's your CCRIS report looks like. No remark at all i suppose ? Mind to share hmm.gif


QUOTE(Gen-X @ Jul 30 2011, 07:54 PM)
No, I doubt it. Taking a wild guess, he must be either partying hard or likes to visit our city in the heaven or maybe our neighbour resort island  brows.gif If really for business, well he must have been conned often since he's still a kid tongue.gif

Talking about kids, my 19 years old son got DA WMC and MBB 2 Plat supp cards with CL of more than the century mark but he cannot check into a hotel in Melaka today because he is under 21, hahaha He had to call me to fax the hotel a letter permitting him to check in and that the hotel is not liable for whatever happens. First time I heard such thing. When I was under 21 years back, I could check into hotels  smile.gif
I was just 17 years old when i first checked into a hotel using my own name. It was Le Meridien Singapore (now Concorde Hotel) and the check in went through just fine. Anyway, the hotel was all paid for before i checked in biggrin.gif

Lucky lah your son. Only 19 years old already got a World MasterCard. Even a debit card was so rare just a few years ago and i had to screw the internet over and over again before i finally found out that Public Bank offers a VISA Electron. Wanted my own card so badly then because i often buys something from the internet and it is much more convenient if i have my own card laugh.gif

This post has been edited by MilesAndMore: Jul 31 2011, 12:29 AM
MilesAndMore
post Aug 2 2011, 12:18 AM

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QUOTE(Gen-X @ Jul 31 2011, 01:29 AM)
the other day my son bought worms couriered to my house for his fighting fishes doh.gif When I was young, I went to the road side drain to get the worms!
Oh my God!!! laugh.gif

MilesAndMore
post Aug 3 2011, 10:22 PM

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QUOTE(hye @ Aug 3 2011, 06:57 PM)
Citibank VISA Signature - PremierMiles
MBB World Mastercard
CIMB World and Infinite
UOB Preferred Platinum

Among others which I can think of.
QUOTE(Gen-X @ Aug 3 2011, 07:03 PM)
HSBC Visa Signature
QUOTE(JJBerry @ Aug 3 2011, 08:31 PM)
CIMB Visa Signature
CIMB Touch and Go Visa Platinum
Citibank Cash Back VISA Platinum/Platinum MasterCard

MilesAndMore
post Aug 4 2011, 01:29 PM

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QUOTE(andy_lyy @ Aug 4 2011, 10:59 AM)
Question~
I will be travel with China Airlines at KLIA, i check online, Dynasty Lounge is for China Airlines.

http://www.klia.com.my/index.php?option=co...w=article&id=57

Is it I can just show my SCB Plat then can enter?
No. You can't. You need to travel in Dynasty Class (Business Class) or hold a high-tier Dynasty Flyer FFP status in order to gain access to their lounge.


QUOTE(krazee350 @ Aug 4 2011, 12:57 PM)
Not sure the question is relevant to this topic but since it's about credit card issue I might just ask.

I've been getting calls 2-3x a week from some promoter stating they giving a VIP card (or some others offer) for all the credit card users. The problem now is I keep telling them I'm not interested and they doesn't seem to compute with my request. It's getting annoying actually.   vmad.gif

Any idea how to make them to stop calling once and for all? I can just hung up immediately but that seem to be rude to them. Haih.  sad.gif

Thx.
VIP card ? For credit card users ? It's a SCAM man. You did the right thing by hung up on them and you should continue to do so next time you receive a similar call laugh.gif

This post has been edited by MilesAndMore: Aug 4 2011, 01:30 PM
MilesAndMore
post Aug 5 2011, 11:00 AM

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QUOTE(koh_424 @ Aug 5 2011, 10:19 AM)
Did Citibank need any security password for online shopping?

How to register for it if it need so?
No. They don't have it.

MilesAndMore
post Aug 7 2011, 07:18 PM

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This post has been edited by MilesAndMore: Aug 7 2011, 07:20 PM
MilesAndMore
post Aug 10 2011, 03:07 PM

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QUOTE(cute_boboi @ Aug 10 2011, 02:37 PM)
What happened to the Balance Transfer thread ?  hmm.gif
Has since moved back to where it was smile.gif

MilesAndMore
post Aug 10 2011, 05:42 PM

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QUOTE(cute_boboi @ Aug 10 2011, 03:47 PM)
Where ? /K/ ?

Duh! ... now it's back. Either I'm lost, or it's nearing 7-14  sweat.gif
I believe you weren't loss. I think it's because of 7-14 laugh.gif

MilesAndMore
post Aug 15 2011, 09:50 PM

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QUOTE(chemistry @ Aug 15 2011, 03:47 PM)
Ya, talking about "which card is best for frequent flyer", better consult hye, ben83, Miles, or Gen-X.
Thanks for the compliment tongue.gif And all the questions have already been answered biggrin.gif


QUOTE(hye @ Aug 15 2011, 06:26 PM)
..... I hope MBB VP is reading this to offer me a part time job.  sweat.gif (Let me dream ya) And not forgetting Bro Miles and Gen-X.
Yes please laugh.gif

MilesAndMore
post Aug 18 2011, 02:46 PM

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Any of you had any prior experience booking a room through Hotelclub.com ? May i know in what currency they are going to bill us ? Say for hotel booking in South Korea ? Is it going to be in KRW or USD ? And what if we choose to view the rate in MYR ? Thanks in advance!
MilesAndMore
post Aug 19 2011, 04:00 PM

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QUOTE(DarReNz @ Aug 19 2011, 11:24 AM)
just wish to confirm with you all that Mastercard and Visa charges 1% if you use your card other than a Malaysian website or purchasing online using foreign currency ?
The admin fee ranges from 0.5% to 1.25% for MasterCard and VISA issued locally. Please refer to the first page of this thread for more info.


QUOTE(celljoe @ Aug 19 2011, 12:03 PM)
Im googling GSC Eon but not 2 much info..
aiya.. can withdraw money kah...
Any information you need to know about EON Bank GSC VISA can be found in Hong Leong Bank website.


MilesAndMore
post Aug 21 2011, 08:29 PM

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QUOTE(Gen-X @ Aug 21 2011, 07:59 PM)
To All: did you guys notice that Citi no longer sponsoring this section (???)
Yes. Like a few seconds ago when i saw this post of yours biggrin.gif I guess they found many unfavourable comments about their credit cards here hence the withdrawal of the sponsorship sweat.gif Anyway, just a wild guess.

By the way, i told them they should look into Maybank and OCBC credit cards when they called me to ask me a few questions about their credit card just two days ago biggrin.gif I told the guy Maybank gives me 5x TP whenever i use my MBB2 AMEX and the guy was like... wah!!! 5 times ah ?? laugh.gif
MilesAndMore
post Aug 22 2011, 12:07 AM

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QUOTE(Gen-X @ Aug 21 2011, 08:50 PM)
Next time you speak to Citi again, ask him to pass message to CC Dept boss if they need our help to create the ultimate CC  tongue.gif
LOL. I think the guy is from a company called callop or caleb something. They are doing a survey on behalf of Citibank. Actually, it wasn't just a few questions. He asked me many different questions and i needed to grade them. The whole process took 13 minutes 25 seconds. I was also asked if i'd recommend Citibank credit card to other people and i said i'm neutral on that. At the end, he asked if it's ok to include my real name (no, i didn't have to tell him my name over the phone because he already knows my name) when they submit the survey back to Citibank or i'd prefer to do it anonymously smile.gif


QUOTE(hye @ Aug 21 2011, 09:56 PM)
they proudly mentioned that points are 2x with their cards when used overseas and I replied MBB cards are 5x.
I'm not aware of the 2x points. Which card gives 2x points for overseas use ? Their regular platinum credit card ?


QUOTE(hye @ Aug 21 2011, 09:56 PM)
Can't blame them if they withdraw sponsorship for this thread. At least it goes to show that we are vendor neutral bunch of guys.
thumbup.gif


QUOTE(chemistry @ Aug 21 2011, 10:50 PM)
MBB and OCBC should have paid LYN as a reward for all the support  tongue.gif
As well as me, Gen-X, Hye, you, Winner, alexwsk, zenquix and a few other regular posters tongue.gif



MilesAndMore
post Aug 22 2011, 03:18 PM

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QUOTE(MilesAndMore @ Aug 18 2011, 02:46 PM)
Any of you had any prior experience booking a room through Hotelclub.com ? May i know in what currency they are going to bill us ? Say for hotel booking in South Korea ? Is it going to be in KRW or USD ? And what if we choose to view the rate in MYR ? Thanks in advance!
Let me answer this question myself tongue.gif

I booked a room through Hotelclub and was billed RM2857.62, the exact amount quoted to me in MYR in the checkout page. There was no currency conversion at all. Should i have known this earlier, i would have charged the room to my Citibank VISA instead of Maybank VISA doh.gif

Anyway, the booking was made just 2 days ago and when i went back to the website this morning, the rate has gone down a bit to just RM2816.50. It means that i overpaid RM41.12 vmad.gif

Whenever you choose to book a room through Hotelclub, always choose MYR as your default currency. You'll notice that their MYR rate is lower than the rate quoted in USD or Korean Won (in my case).

For example, when i checked the room rate this morning, i was quoted RM563.30/night for a Deluxe Room at Sheraton Seoul in October. However, if i choose to see the room rate in USD, it is US$189.14 while in Korean Won, i was quoted KRW205,584. No matter how good the exchange given by Maybank is, you won't get the same MYR rate quoted by Hotelclub.


QUOTE(Gen-X @ Aug 22 2011, 03:39 AM)
Miles, what was the telephone number? Just curious.
03-41425022


QUOTE(Gen-X @ Aug 22 2011, 03:39 AM)
See you guys next weekend, going for holiday smile.gif
顺风顺风 biggrin.gif


QUOTE(hye @ Aug 22 2011, 08:41 AM)
Either way, they are not 5x! Seems Citibank is now attempting to come back with 5x although selectively.
Yeah, the 5x points are applicable only for spending at selected places. It used to be a promotion or something but now it is a permanent feature of their cards (just the regular Gold & Platinum cards).


MilesAndMore
post Aug 22 2011, 03:54 PM

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QUOTE(zenquix @ Aug 22 2011, 03:43 PM)
I recall it is for dept stores and groceries only. Correct me if I am wrong
Yes. Only at these places :
- Tangs
- Metrojaya
- Isetan
- Parkson
- Jaya Jusco
- Robinsons
- Marks & Spencer
- Cold Storage
- Tesco
- Giant
- Carrefour
- Servay
- Everise

MilesAndMore
post Aug 23 2011, 01:48 AM

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QUOTE(warezmetoo @ Aug 23 2011, 12:44 AM)
HI guys,

Im new to this thread and am considering to get my first card. I have been eyeing Maybank 2 Platinum cards and Citibank Cash Back Platinum + Citibank AirAsia Gold. My annual income is slightly more than RM60k. I will be using the card primarily for gas (preferably petronas), and weekend shopping + good food + movies. From time to time, I'll also be using it for travel overseas.

Which of the two cards would you guys be recommending?

Thanks.
*
Kindly post your question here.

MilesAndMore
post Aug 24 2011, 11:55 AM

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QUOTE(valkyrie5034 @ Aug 24 2011, 10:44 AM)
Understood. It's not like every month I have to use card if I'm not spending much. Just making sure there's nothing like monthly fee or bank TOC to terminate card if inactive for more than 2 months. smile.gif
You do go to the cinema, shop at the shopping centre and eat outside once in a while right ? So, once you get your credit card, do not use cash. Charge everything to your credit card instead in all the places that accept credit card. The bank is rewarding you by giving you either reward point which you will need to accumulate to redeem for anything stated in their rewards catalogue or cash back whenever you use your credit card. You get nothing if pay by cash. Be a smart consumer tongue.gif

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post Aug 25 2011, 04:04 PM

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QUOTE(valkyrie5034 @ Aug 25 2011, 03:50 PM)
I just applied for UOB One card. Do I send the original or photocopy of payslips? No EPF statement so I'm planning to send last 3 months payslips.
Photocopy.


QUOTE(valkyrie5034 @ Aug 25 2011, 03:50 PM)
Also, should I cross out the IC photocopy with "for UOB One card application"? Scared it will be rejected if I cross out.
Yes. You should.
MilesAndMore
post Aug 25 2011, 09:17 PM

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QUOTE(moshimaruu @ Aug 25 2011, 08:19 PM)
But previously PBB offer me CC as long i maintain my car. but i late reply my answer to them, after one month, i try apply back to them, but so far do have any response for them too.

My installment for house loan is OCBC, car loan only is PBB.

Should i apply for CIMB or CITIBANK? is it easier?
Since you have a mortgage with OCBC, try to get their OCBC Titanium MasterCard. This card can save you up to RM600/pa.


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