Fees are the same as if you are withdrawing from the ATM. Shouldn't be any additional fees.

I'm actually IN China itself. I tried paying for something with my CC earlier, but the CC terminal machine thing was prompting for a PIN number!

Can the CC terminal ignore the PIN part ? It is possible in Australia.

Shouldn't be a problem. In China, the cashier should have asked you if your CC requires PIN authentication.

This post has been edited by David83: Jun 19 2011, 01:14 PM

Thanks, I'll ask them the next time. They probably didn't know themselves.

no need to be in chinatown, but then i was in California, so asian supermarkets are like everywhere
for example, http://www.99ranch.com/, marina food

since parsona was in china, i doubt he can do this
also not sure whether this can be done at other countries or nor

Gen X,

can we have a write up on the Ambank cards on their latest promo?
tq

Not sure, last year MB2 havent out yet~~ u can try call n ask~~

hi guys, im new here, and i lately own my first cc in my life, haha. Just wandering, if in case i got debt RM100 in my cc that i even cant pay the min payment, how is the late payment interest bank gonna charge me? I using HLCC

I just checked out AMBank promos, the 20% cash back looks good but after reading the T&C, looks like one most probably will only benefit if they swipe on the first Saturday of the month and maybe lucky get something on the first Sunday of the month. AMBank only allocated RM200,000 per month for the promotion. Unlike AMEX cash back promo where it is only applicable at malls in Klang Valley, AMBank promo is applicable to entire country at all hypermarkets and as such I believe the amount would be reached on the 1st week of the month.

The other good promo is AM FlexiPay where can convert purchase to 6 months 0% installment.

And sure, I can think of something to write about the AMBank Promo.


My advise to you is go read the booklet on T&C that came with your card.

Haha, actually i did, just cant understand only.

OK, I reread your post.

1. You be imposed late charges of 1% (Min RM5 and max RM50) if you fail to pay minimum payment by Due Date.

2. On interest charges, read my article titled Credit Cards Are Cash Cow for Banks. Are You working for the Banks? by clicking here.

Just discovered that for FD pledging to secure credit card facilitities, there are lien charges imposed based on the credit limit.

This post has been edited by Human Nature: Jun 20 2011, 04:12 PM

i remembered called MBB CS and he told me that online payment will not entitled the 5% cashback..

I performed an online payment before and was entitled for the 5% cash back.
As bro Gen-X mentioned, there's a risk you won't get it because of the merchant's posting date. This does not mean the bank doesn't give it to you coz the problem is the merchant's posting date .

i think posting date is inaccurate. It is not related to the posting date but rather the merchant's processing date that directly affects the actual transaction date.

example 1: a lot of online merchants only process orders taken on weekends on Monday, so your transaction date is Monday and not the weekend (and miss out on 5%)

example 2: a transaction made between 12am - 1am Saturday came up to be a transaction dated Friday (as the merchant only processed the previous days orders at Saturday AM)

Thanks for pointing it out.
Normally merchant post their transaction to the bank at the end of their business day. And this sometimes can be the next day or after midnight.
I know this merchant who did his posting with every swipe and if this can be done via the terminal (he did it in front of me), I don't see it is impossible for online system to behave the same way.

Noted, based on merchant's processing date. Example 2 if for different time zone yah?

usually. you might be surprised to know but i experienced it buying airline ticket from MAS

This post has been edited by zenquix: Jun 21 2011, 08:33 AM

If you are in a different time zone then what counts is where Malaysia is as the transactions are captured back here in Malaysia.
Can be confusing