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

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SUSDavid83
post Feb 17 2012, 08:07 AM

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QUOTE(link87 @ Feb 17 2012, 12:09 AM)
my annual income below 36k, thts y im worried,

'dear sir, ur card is not activate yet, after 3 month it will expired by itself, regarding the goverment fee only can be waive if swipe once'

totally blur about the explanation, i think i need to pay rm50
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It explains that your card has expired but you still have to pay the GST because it has being charged to your card and in order to get waived, you need to swipe the card at once. In the case, you're not able to do so as your card is not usable anymore.
b00n
post Feb 17 2012, 09:35 AM

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Am not sure. I remember reading somewhere whereby the RM50 GST is only applicable after one had "activate" the new card.
WaCKy-Angel
post Feb 17 2012, 11:57 AM

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QUOTE(David83 @ Feb 17 2012, 08:07 AM)
It explains that your card has expired but you still have to pay the GST because it has being charged to your card and in order to get waived, you need to swipe the card at once. In the case, you're not able to do so as your card is not usable anymore.
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QUOTE(b00n @ Feb 17 2012, 09:35 AM)
Am not sure. I remember reading somewhere whereby the RM50 GST is only applicable after one had "activate" the new card.
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Nope, GST is charged once the card is approved, whether cardholder use/collect the card or not.
I have confirmed that with BNM by conversation as well as email.

But the bank is allowed to waive (or absorb) the cost, depending on your luck (if a good officer handle your case).

I personally experienced it b4..
link87
post Feb 17 2012, 12:00 PM

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QUOTE(WaCKy-Angel @ Feb 17 2012, 11:57 AM)
Nope, GST is charged once the card is approved, whether cardholder use/collect the card or not.
I have confirmed that with BNM by conversation as well as email.

But the bank is allowed to waive (or absorb) the cost, depending on your luck (if a good officer handle your case).

I personally experienced it b4..
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i think i need to go the branch and clear things out notworthy.gif
Gen-X
post Feb 18 2012, 12:23 PM

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I have decided to consolidate all my blogs into a single blog as of today. The new blog is called GenX GenY GenZ smile.gif

I have updated several of my previous articles in this new blog, click below to read them:

Introducing My New Blog - GenX GenY GenZ. Because of complains by ronnie and gerrardling, it's in white now sad.gif Hope you guys happy with new background smile.gif

Maybank Visa Infinite - A Comprehensive Review. I would like to thank jchong for permitting me to use his table on overseas admin fees.

Free Entry to KLIA and LCCT Plaza Premium Lounge with Credit Cards.

Latest and Highest Malaysia Fixed Deposit Interest Rates for those who have cash in hand and doing 0% BT (not many nowadays).

This post has been edited by Gen-X: Feb 18 2012, 12:33 PM
Human Nature
post Feb 18 2012, 12:52 PM

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QUOTE(Gen-X @ Feb 18 2012, 12:23 PM)
I have decided to consolidate all my blogs into a single blog as of today. The new blog is called GenX GenY GenZ smile.gif
Looks neat rclxms.gif
olak329
post Feb 18 2012, 07:11 PM

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Hi wan to ask. I am a salesman working for 2 years, salary Is like RM34k PA last year.
Basic is only like 650+OT 250.

What CC am i eligible for? Try citi try said basic 650 cannot apply, minimum is 1500 basic.

Intrested in MBB mostly.. Citi/hsbc/rhb/mbb..

Question is above, basic 650(not include
Commission ot others) which bank will likely accept? Average salary is 2600-6000(mostly will maintain on 4000)per month

This post has been edited by olak329: Feb 18 2012, 07:16 PM
SUSDavid83
post Feb 18 2012, 07:16 PM

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QUOTE(olak329 @ Feb 18 2012, 07:11 PM)
Hi wan to ask. I am a salesman working for 2 years, salary Is like RM34k PA last year.
Basic is only like 650+OT 250.

What CC am i eligible for? Try citi try said basic 650 cannot apply, minimum is 1500 basic.

Intrested in MBB mostly.. Citi/hsbc/rhb/mbb..

Question is above, basic 650(not include
Commission ot others) which bank will likely accept? Average salary is 2600-6000(mostly will maintain on 4000)per month
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You need documents to prove of income - payslip, EPF statement, bank statement or even EA form.

Banks are getting stricter now!

This post has been edited by David83: Feb 18 2012, 07:17 PM
olak329
post Feb 18 2012, 08:06 PM

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QUOTE(David83 @ Feb 18 2012, 07:16 PM)
You need documents to prove of income - payslip, EPF statement, bank statement or even EA form.

Banks are getting stricter now!
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Thanks for reply. The Citi salesgirl just ask me my basic, when i said its 650 she tOtally decline my request lol, not even request for my documents.

Trying my luck with hsbc. after i send her email with my 6 months payslip,EPF,and IC attach. Hsbc salesgirl call me right away the next following day confirming my request and processing for Platinum Amanah.

She doesnt ask for bank statement though.. My Salary bank is maybank.

But still wondering if i need a platinum. Can tell me a bit pro/con? Already made some research, just to be confirm.

This post has been edited by olak329: Feb 18 2012, 08:10 PM
SUSDavid83
post Feb 18 2012, 11:37 PM

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QUOTE(olak329 @ Feb 18 2012, 08:06 PM)
Thanks for reply. The Citi salesgirl just ask me my basic, when i said its 650 she tOtally decline my request lol, not even request for my documents.

Trying my luck with hsbc. after i send her email with my 6 months payslip,EPF,and IC attach. Hsbc salesgirl call me right away the next following day confirming my request and processing for Platinum Amanah.

She doesnt ask for bank statement though.. My Salary bank is maybank.

But still wondering if i need a platinum. Can tell me a bit pro/con? Already made some research, just to be confirm.
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You can read from here: http://www.hsbcamanah.com.my/1/2/amanah/pe...m-credit-card-i

I believe she's going to offer you MPower Visa Platinum Credit Card-i with min annual income requirement of RM 36k.

Annual fee can be waived (Subject to min 12 swipes per year).
lee9171
post Feb 19 2012, 10:08 PM

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I got my UOB preffered platinum credit card and of course, I don't qualified with privillege banking service yet, still considering whether to terminate or keep it since the benefit is so so less compare to other cards...
duncan880409
post Feb 19 2012, 11:41 PM

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Hi there, I just reading first post and i found out that fuel rebate is intresting, this lead me to citibank site, and i found out that, why there is so many type of CC? in my mind is just silver gold and platinum, and now i see, citibank shell card, airasia card, giant card.. if I always deal with these 3 (airasia, giant and shell), meaning that i should get all in order to get the discount?
Gen-X
post Feb 19 2012, 11:49 PM

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QUOTE(duncan880409 @ Feb 19 2012, 11:41 PM)
Hi there, I just reading first post and i found out that fuel rebate is intresting, this lead me to citibank site, and i found out that, why there is so many type of CC? in my mind is just silver gold and platinum, and now i see, citibank shell card, airasia card, giant card.. if I always deal with these 3 (airasia, giant and shell), meaning that i should get all in order to get the discount?
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YES subjected that the discount you can save is more than RM50 to at least offset the GST.

For petrol, please go to Petrol Thread and learn which card saves you more than the Citi Shell - read gerrardling's comments at 1st post.
Human Nature
post Feb 19 2012, 11:51 PM

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and here is the link for the petrol thread:

http://forum.lowyat.net/topic/1798403

p/s you may wanna look into OCBC ti for its petrol and groceries rebate

This post has been edited by Human Nature: Feb 19 2012, 11:51 PM
wshoh
post Feb 19 2012, 11:51 PM

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QUOTE(Gen-X @ Feb 18 2012, 12:23 PM)
I have decided to consolidate all my blogs into a single blog as of today. The new blog is called GenX GenY GenZ smile.gif

I have updated several of my previous articles in this new blog, click below to read them:

Introducing My New Blog - GenX GenY GenZ. Because of complains by ronnie and gerrardling, it's in white now sad.gif Hope you guys happy with new background smile.gif
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Good and informative read, as always! Thank you for your efforts smile.gif

BTW, perhaps you can suggest that your readers convert your 'background' with a tool such as Readability if they are not comfortable viewing your blogs - using a bookmarklet would be the simplest non-install method (I'm one of those 'silent complainers' out there!).

Just added your RSS feed to my list of subscriptions!
ronnie
post Feb 19 2012, 11:55 PM

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QUOTE(Gen-X @ Feb 18 2012, 12:23 PM)
I have decided to consolidate all my blogs into a single blog as of today. The new blog is called GenX GenY GenZ smile.gif

I have updated several of my previous articles in this new blog, click below to read them:

Introducing My New Blog - GenX GenY GenZ. Because of complains by ronnie and gerrardling, it's in white now sad.gif Hope you guys happy with new background smile.gif
Thanks for making your EXCELLENT blog more pleasant to LYN users thumbup.gif thumbup.gif
Gen-X
post Feb 20 2012, 12:32 AM

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QUOTE(wshoh @ Feb 19 2012, 11:51 PM)
Good and informative read, as always! Thank you for your efforts smile.gif
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Bro, long time no see you post here. And thanks for signing up as the 3rd person smile.gif

I am considering to opt out of RSS feed next month onwards as I want my readers to view my blog as it is.

QUOTE(ronnie @ Feb 19 2012, 11:55 PM)
Thanks for making your EXCELLENT blog more pleasant to LYN users  thumbup.gif  thumbup.gif
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I am happy to know that you are happy with it smile.gif

I have updated my post Introducing My New Blog GenX GenY GenZ stating that I will be doing a series of articles (3 with a prelude) for newbies to credit cards starting next week and on March 3, I will publish my Top Ten Credit Cards for 2012.

This post has been edited by Gen-X: Feb 20 2012, 12:33 AM
wshoh
post Feb 20 2012, 01:47 AM

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QUOTE(Gen-X @ Feb 20 2012, 12:32 AM)
Bro, long time no see you post here. And thanks for signing up as the 3rd person smile.gif

I am considering to opt out of RSS feed next month onwards as I want my readers to view my blog as it is.
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Ya, because you, Miles, hye and other regular contributors are doing such a good job here that I have nothing valuable to add - been a passive reader for the most part.

Anyway, for the grand-parents, parents and parents-to-be here, Motherhood Expo is taking stage this week as follows:

» Click to show Spoiler - click again to hide... «


Going to get a stroller and other baby stuff there! Exhibitors include Combi and Philips Avent.
goliath
post Feb 20 2012, 10:51 AM

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A quick question; is it true that all banks cannot block a particular unauthorised transaction which it has not been charged to your card yet but you have received a SMS from the bank?
zenquix
post Feb 20 2012, 10:55 AM

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QUOTE(goliath @ Feb 20 2012, 10:51 AM)
A quick question; is it true that all banks cannot block a particular unauthorised transaction which it has not been charged to your card yet but you have received a SMS from the bank?
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Bank Negara mandated the sms sending so that cardholders can detect unauthorized transactions and report to the bank. Doesn't make sense if the bank say they cannot block that transaction.
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