yes can swipe even just a cup of regular blended

i think it is still valid because they dont need the code for normal POS transaction.
erry has suggested one good method to conceal the cvc code in the maybankard forum.

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Added on June 8, 2011, 1:38 pmI am still being cautious because my transactions using OCBC Ti MC went through as the system did not prompt for the secure code.

This post has been edited by Human Nature: Jun 8 2011, 01:38 PM

better monitor your online banking for that card

oh my pizzahut online order is pickup, not delivery.
coz my address is not in their database!
but its ok, save delivery charges?

how easy to get citibank to waive annual fees?

Fairly easy. Just ask nicely.
I have only known one or two cases where Citibank rejected the customer's application to waive their annual fees.

Not really easy for me.
I cancelled Citibank Giant card as my request for AF waiver was declined despite a frequent user. I was polite on the phone.

want to confirm something with u guys
if i have installment inside the card and use up my credit limit alraedy. when i put in another few thousand, can i use to do another installment?

eg: credit limit 8k finish use already, then i put in another 4k, can i do another 4k installment

ur comment much appreciated

since bank ask for our saving's account statement for applying credit card, is it ok if i borrow like 10-20k from parents to top up my savings account?
will this result in higher credit limit? (maybank 2 card)

I don't think your method will work.
Installments work differently where the bank blocks off the total installment value and (depending on the bank) returns it off to you either gradually or only after you complete the installment. Your method works if it is not installment based but don't forget for installment, the bank actually will charge you on a scheduled basis every month.

Therefore you are not repaying your account by depositing RM4K. You are prepaying but the bank take the money from you on a monthly basis.

(Probably someone else have another opinion)

hsbc cc allow you to do that. dont know about other banks cc

Hahahahaha!!!!! That's a good one. The stuff kids come up the days ....

The answer is no. The bank's reason to ask for your saving's account is the same reason they ask about your income. Savings / current account indicate where your salary goes into if the bank is looking for relevancy between both information.

Credit limit is mainly determined by your monthly ability to service your monthly credit card dues and not how much you have in your savings account. Please don't think the bank is that stupid coz they have sophisticated risk management system to look at your risk profiles and (in some cases) forensics.

Your method may work for pledged card where it is possible to get 1:1 of your cash vs. credit limit. Too bad you need to lock the cash for as long you wish to use the card. Lift the FD and credit card is gone !

Tsk ... tsk ... tsk ... the kindof ideas kids nowadays have.

This post has been edited by hye: Jun 8 2011, 09:32 PM

and how you benefit from this exercise besides getting points instead of paying with cash? Or are you doing BT with the HSBC?

why not use another card?

hsbc do allow us to settle installment plan earlier without penalty.

which bank ask for your saving account?

This post has been edited by Gen-X: Jun 8 2011, 09:40 PM

make sense what u said, thanks bro

true, i should just use another card. only thing is i don't want to use my Public Bank since I want to cancel it already. Seems like no choice then, need to use it. Thanks for the reminder

how about you go apply for MBB 2 Actually, isn't PBB card better than HSBC since PBB do give some cash back if not mistaken? And PBB do have BT 0% too.

Just wondering, a small question, as currently on my hand i have at least 3-4 Possible MBB2 Gold/Plat Customers that is Very Potential and wants to apply those cards, and as a person who recommends them, they would like to offer me back some stuffs, but those that is Indirectly (like commission for helping them apply?).

So.. now my question is.. How to become a MB card agent? or...If Best, all cards agent, as if counted others like my friends... all graduated wants to own a card... , and i foresee the opportunity >.< (Aka Part time agent)

tq~

Maybank doesn't have a Member-Get-Member promotion... Direct Access has one such program .. RM50 per recommended friend

i think certain bank has their own "reservation"
like CIMb, if not mistaken, they allow usage up to only 90% for instalment and the remaining, for normal spending.
so u need to check with your bank and may have to pump in more so that u can enjoy the instalment promotion.

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Added on June 10, 2011, 9:59 ami suppose u can "gao dim" the agent, ask the agent to pay u ?


This post has been edited by andyfriends: Jun 10 2011, 09:59 AM

As mentioned, you need to ask whether they want to help you or not.
Can be tricky coz as far as I know MBB does not use 3rd party to sell their cards / sign up their customers. (I'm not talking about card promotions) It is their own staff which is likely not commission based. (I could be mistaken)

How many credit cards do you carry with you all the time? My wallet has not enough place for all my cards (credit cards + loyalty cards + ID cards + ATM + TnG).

I am wondering how bro Gen-X carries all his cards.

Planning to get a card holder. Any experience/recommendation to share?