the answer is NO.

refer http://forum.lowyat.net/topic/1992001 for other option ~

yea yea.

my ambank, statement (just GST) arrived 1st in the email before the card

same goes to my bro-in-law with cimb, saw GST being charged 1st at cimbclicks before getting the card.

coz now rhb visa plat no need to have PB anymore.

but free annual fee is good already 4u, coz for others need to swipe rm36k/year to get the rm500 waived.

congrats ~

u said u always pay full statement balance.

then u give example with statement balance and also outstanding? how could that happen?
means last month already didnt pay rm1000 and swipe another rm700?
also, u give example of 7 days late?

this should happen to cust who always pay full balance every month!

as for me, no need to know the calculation.

i did missed due date few times before (all hsbc! haha), but only 1-2 days. never reach 3 days. and all is because abroad (not at my hometown). this is bcoz i only have hsbc cc but no hsbc acc. so cannot make onl payment.

hsbc didnt charge anything, probably because got 3-days grace period after due date. and IMHO, they shouldnt charged, for cust with good (read: full) payment record since beginning.

eh got la. Priority Pass Airport Lounge - Enjoy 5 times complimentary access annually to airport lounges worldwide.

err... wrong section here?

This post has been edited by erry-: Oct 14 2011, 02:58 PM

ok u missed the 'd' there.

if u dont swipe for other transaction, the balance of rm2k will be carry forward and yes, will auto minus for next month.

This post has been edited by erry-: Oct 14 2011, 03:00 PM

ur welcome. so fast u reply

but wait, this method is not applicable for hsbc!
coz hsbc, if u not swipe anything, then all 3k will be offset for installment remaining balance, and there is penalty fee for early settlement!

not sure for other bank, but hsbc confirmed cannot.

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Added on October 14, 2011, 3:04 pmi assume Jet23sky paying credit card installment for his car

This post has been edited by erry-: Oct 14 2011, 03:09 PM

if CIMB then confirmed is ok. u can just deposit full amount and dont swipe the card.

what i know is at esso/mobil can preset at the pump.

u using amex, then why want to preset?
if u want to pump rm50 just wait lah, stop manually.
if stop at rm50.17 not so much different what? still got 5x points and rebates ~

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Added on October 14, 2011, 3:15 pmif still want exactly amount to preset, then go pay inside at cashier.
tell ur amount and give the amex, swipe, sign, fill ~

This post has been edited by erry-: Oct 14 2011, 03:15 PM

i dont understand why need to pump exact amount


This post has been edited by erry-: Oct 16 2011, 06:29 AM

do a BT to another card u have, it should be lower than 9%.

cimb/pbb/bsn offer 6 months 0%
cimb 12 months 1%

or, if u have another maybank credit card, can do internal transfer, 9% for 24 months.

but the other card must have enough credit limit for the amount (some bank got condition such as only 80% from available CL)

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Added on October 17, 2011, 3:16 pmlook more @ http://forum.lowyat.net/topic/1992001

This post has been edited by erry-: Oct 17 2011, 03:16 PM

hbh60 already mentioned using mbb visa.

if apply another mbb card, internal BT dont have 0%.

if apply another card, will take time, probably cannot get new card before current mbb visa due date ~

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Added on October 17, 2011, 5:13 pmyes and no.

yes got internal BT from maybankard to maybankard. see the BT form @ BT thread.

no 0% no 12 months for internal BT. as stated, 24 months 9% ~

This post has been edited by erry-: Oct 17 2011, 05:13 PM

ask hlb if got form like maybank or not. usually bank no prob to give 2.5x salary for people earn rm36k/year.

maybank - http://www.maybank2u.com.my/WebBank/inclimit_100210.pdf

but personal opinion, hlb gold mc dont give much benefits? try apply hlb essentials?
besides at the website stated:

Higher credit limit

Your Hong Leong Essential Credit Card is the only card you need because it gives you a higher credit limit so much more spending power in just one card, imagine that!

and the card give 1% cashback unlimited too

oh u already have essential, good. but why want to keep the gold card? somemore rm50 gst?

but its up2u.

btw yes need to provide latest payslip (usually 2 months) to increase CL.

unless, bank give u without ur request (they send letter) ~

sorry but i 've no idea

most people (ok including me), the bank just increase the CL

1st, they not overturn gst rules.
usually u still need to pay the gst 1st and they will credited back rm50 later in next statement.
or, as Human Nature replied - they give u points to redeem gst

2nd, since u already have OCBC Ti and MBK2, actually u can just reject the offer. cancel the card.

why? coz the card got the annual fee rm70 (source).
if u ask for plat, the annual fee is higher, unless u did swipe rm36k/year with the card to get free 2nd year annual fee (source). if not, cancel the card before annivessary month next year

AF for plat is already free for 1st year.
like i suggest above, if spend less than rm36k/year, cancel the card on the 11th month!

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Added on October 18, 2011, 11:11 pmyes. get the b&w letter mailed to you. but the chance to get free plat AF for life seems almost impossible

unless, u open PB with them

This post has been edited by erry-: Oct 18 2011, 11:11 PM

NEVER DO cash advance from credit card!

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Added on October 21, 2011, 10:17 amif u have maybank credit card, can try EzyCash. thats better than cash advance.

http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

This post has been edited by erry-: Oct 21 2011, 09:45 PM

previously for ambank, rm60k is for islamic plat, rm90k for conventional plat.

and mbb previously normal plat (not co-branded) is rm120k. now half already?

card type seems nothing nowadays?

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Added on October 24, 2011, 10:16 amthe form (printed at the bank) and also pdf file at the website both shows plat need rm60k only ~

This post has been edited by erry-: Oct 24 2011, 10:16 AM

Gen-X,

UOB Preferred min income is rm70k/year.
HLB normal (not co-branded) plat is rm60k/year.

btw, why u stated PBB plat on higher ranking?
the visa cashback just little, while mastercard give points.