Yes, from your CCRIS report.

I guess so since we get the report inside the building which should be inaccessible to public after office hours.


Just wrote a short article on Maybank Petronas Visa 8X TP on weekends. Click here to read my article on Maybankard Petronas Visa and Maybank Islamic Petronas Ikhwan Visa. With 4 types of Petronas Visa, no wonder Maybank received Visa award for being the best bank. And I can't seem to find anywhere that states these cards earn 1X TP for other transactions. Too lazy to go see my previous Maybankard Petronas statement which I have terminated after I got the Maybankard 2 Cards last year.

I am so glad that you have gained from my article(s) and follow my posts even tho you dislike the black background Thank you Bro for your support.

Actually, I am also seriously considering to get the UOB One Card as my petrol consumption shot up this year as I have to drive my daughter to college and there's traffic jam everywhere nowadays which is ridiculous (burning money for nothing). Last month, my OCBC also hit the monthly cash back cap and did not earn anything from a few hundred ringgit. Did the first step already, applied for BHP Petrol Card (since I have SMART$ Cash yet to be used from my UOB Plat). And I did find out something very good about BHP Card is that my purchase of fags also earn points!

Yes, you are right, I never had to call Alliance to get my annual fees waived.

You mean you actually accepted the card when they gave you only RM20K CL. If I was given same CL, I would have rejected the card on day one as I consider it an insult - like you said, a joke on you.

This post has been edited by Gen-X: Feb 7 2012, 05:29 PM

You should have called the CS yourself and explain why you need the increase in CL.

When I first got my American Express Gold Credit Card, the CL was combined with my Maybank Petronas Visa Gold Credit Card RM20K CL (which is more than enough if purely for petrol, moreover, I don't seldom pump at Petronas ). And for your info, I wrote my income as >RM50K when I applied for my first MBB CC i.e. Petronas because the agent asked for my "help".

But I wanted a higher CL for my AMEX Gold Credit Card, so I called CS. Initially I was told that I can only apply for increase in CL after 1 year. I told the CS to go check my transactions of my AMEX Gold Charge Card and put up a request to management on the CL I wanted (much more than RM20K). After a week or so, the same CS called me back and informed me my request was approved and even asked me if I needed more.

The point is, most probably you did not use much with your MBB Gold CC and therefore maybe they felt RM20K was more than sufficient for your case or maybe your credit history is too freaking clean.

Having said this, you can always call CS and justify why you need the increase in CL now.

No else have complained about MBB WMC so far. He's the first here. As for MBB VI, I am very happy with it. 2X TP for local and 5X TP for overseas transactions. VIP treatment by holding a credit card..., haha, more like shiok sendiri.

You are right, better be kiasu and buy separate insurance which also cover overseas medical bills, P.A. and damage to luggage. Even tho most my my CC have travel insurance, I still buy separate policy when I go overseas. Few years back, my second son had food poisoning in the US while on holiday and was hospitalized and managed to claim for reimbursement after he return.

This post has been edited by Gen-X: Feb 8 2012, 12:11 PM

I just published my latest article on 0% Installment Plan. Basically I just copied part of my previous article written back on Valentine's Day last year (so one of the example is a love story, hahaha) on how a person can end up in debt with 0% Installment Plans.

So for you who don't have cash in hand and want to do installment plan, click here to read my article titled 0% Installment Plan with Credit Card IS A Trap.

Based on what you said above, should not tarnish your record. Important thing is pay the Minimum Amount prior to the Due Date.

Well, I am pleased that you actually read and understood the words in my reply. Reason being why I said should is because I got no idea if you paid before Statement Date or after. If you have made a payment after the statement date equal or more than the minimum amount, then the answer is that you credit history will still be good.

Bro, another thing, BNM requires all credit card issuers to give grace period of 3 days after Due Date. So this is what you should do, go make Cash Deposit Payment once you get your gaji.

The new tiered interest rates and Late Payment Charges are scheduled to come into effect 1st March 2012.

Citibank offering 8.88% for those who pays 50% or more promptly for 12 consecutive months. And AmBank True Credit Card interest is at 12% for those who also pays promptly 12 consecutive months.

Click here to my wordpress blog for quick links to AmBank, Citibank and Hong Leong Bank new interest rates for Outstanding Balance.

This post has been edited by Gen-X: Feb 15 2012, 12:33 PM

If you settle in Full (the amount stated in your Monthly Statement) prior to the Due Date, then there will not be any Outstanding Balance which means you won't be imposed any interest charges.

If you make payment in Full after the Due Date, you'll be charge Late Payment Penalty and you have failed to make payment promptly. And on top of that, you'll be charge interest from the day of transaction, i.e. you no longer enjoy the interest free period.

Bro, you don't have to make payment immediately after your purchase everytime, just make sure you make payment in Full before the Due Date. Example: if your Statement Date is on the 8th of every month, your Due Date will be most likely on the 28th of the month. Just make sure you pay in full the amount stated in your Statement dated on the 8th before the 28th and you won't be charged a sen of interest.

Click here to read my article Credit Card Are Cash Cow for Banks. Are You Working For The Banks?

This post has been edited by Gen-X: Feb 15 2012, 04:20 PM

CIMB have been slow to update their credit card promos for this year. I just published my latest article on it.

Click here to read my article on CIMB Direct Access Credit Card Promotion 2012.

I am now waiting for them to come out with a Balance Transfer Plan but I doubt we will get 0% interest.

Seriously, it seems CIMB are concentrating more on their Premier Cards with their current promos.

This post has been edited by Gen-X: Feb 16 2012, 02:00 PM

sorry and thank you Bro Edited it.

This post has been edited by Gen-X: Feb 16 2012, 02:00 PM

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

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 Hope you guys happy with new background

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

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.

Bro, long time no see you post here. And thanks for signing up as the 3rd person

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

I am happy to know that you are happy with it

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

http://forum.lowyat.net/topic/1791878/+460 read MGM's posts



This post has been edited by Gen-X: Feb 21 2012, 01:52 PM

Today I published the prelude to my Series of articles Introducing Credit Cards to Newbies.

Click here to read my article Life - Pay Now with Credit Card Earn Later OR Save Now with FD For Retirement. As usual lah, me blah blah blah making the post long.

In the coming weeks, FREE tuition for newbies to credit card (and since it is free, don't expect high quality education, hahaha):

CC 101 - Introduction to Credit Card 2012 (Coming Soon)
CC 244 - Credit Card Interest Rates
CC 318 - Benefits of Credit Cards and How to Earn Pocket Money

This post has been edited by Gen-X: Feb 21 2012, 01:53 PM

haha, Isee you into numbers too.

To ALL:
Click here to read my short article at wordpress on Association Banks of Malaysia Annoucement on Credit Card Credit Limit

Edited**

Click here to AmBank Credit Card Promotion March 2012

This post has been edited by Gen-X: Feb 23 2012, 04:46 PM

I just posted my updated article on Hong Leong Bank Visa Signature and I was surprised to know that the annual income requirement has been lowered to RM80K. This is great for those who want this card. Click on below link to read my article and learn more about HLB Visa Signature benefits.

Hong Leong Bank Visa Signature - The Best Visa Signature Credit Card?


This post has been edited by Gen-X: Feb 25 2012, 11:11 PM