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

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chemistry
post Jun 8 2011, 07:47 PM

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QUOTE(hye @ Jun 8 2011, 07:24 PM)
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.
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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.
chemistry
post Jun 21 2011, 10:27 PM

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QUOTE(alexwsk @ Jun 21 2011, 10:13 PM)
i just noticed we don't have a dedicated thread for citibank cards
anyone wanted to start one? citibank is having their "usual" promotion
http://www.citibank.com.my/english/promo/a...-hdd-momono.htm

i no longer hold any citi cards  tongue.gif
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IMHO, the attractive products Citibank can offer left only PremierMiles and Clear card.
CashBackPlatinum and Shell card totally lost to MBB2 and OCBC Ti.
chemistry
post Jun 26 2011, 08:20 AM

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QUOTE(milentechie @ Jun 26 2011, 07:48 AM)
I was informed by CS that I can use it right away after I sign at the back. No activation is required. I was a bit shocked then. I don't feel secure of this kind of arrangement.
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Actually this happens to many other cards as well.
I could even swipe my OCBC Titanium without activation. (You think OCBC should be more stringent right?)
chemistry
post Jun 27 2011, 11:52 PM

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QUOTE(Alec.Yong @ Jun 27 2011, 11:06 PM)
[attachmentid=2299611]

Wanna to share something...

I just received my MBB WMC statement and I noticed that I do have 158,630 TreatsAirmiles under the "Treats Airmiles Oversea" column... hmm.gif
For the past month, I didn't have any oversea spending/usage, but only at Apple Online Shop. Conclusion is, Maybankard treat the Apple Online Shop as a "oversea usage" (without extra charge).

tongue.gif
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You earn hundred K of Airmiles in a month ? drool.gif
chemistry
post Jul 5 2011, 09:59 PM

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QUOTE(Sifha238 @ Jul 5 2011, 08:26 PM)
I got a job at OCBC, new staff are advisable to apply for their credit card....I already have Maybank Petronas Al-Ikhwan, should I cancel Al-Ikwan ? or stick with it and not apply OCBC ? or have both credit card ?
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smart move would be "cancel the Al-Ikhwan and apply Maybankard 2 & OCBC Titanium". flex.gif
chemistry
post Jul 12 2011, 12:29 AM

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QUOTE(MilesAndMore @ Jul 12 2011, 12:10 AM)
I just found out that CIMB Preferred customers will get a complimentary World MasterCard, VISA Infinite, VISA Signature or Enrich Platinum MasterCard instead of just a regular Platinum credit card.
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And one of the membership criteria is:-
» Click to show Spoiler - click again to hide... «


chemistry
post Jul 13 2011, 06:29 PM

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QUOTE(hye @ Jul 13 2011, 06:21 AM)
Thanks but what the guy who asked wanted it to be free upfront and not after spending RM10k.
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everybody get used to "free of charge".
Once been charged whatsoever fee, sure bising bising one sweat.gif
chemistry
post Jul 13 2011, 07:24 PM

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QUOTE(ronnie @ Jul 13 2011, 06:56 PM)
Finally, a HLB Sales person called me for application of HLB Essential Credit Card.
According to her, for New-to-Card Customer, RM50 will be given as a rebate on the 8th week. For annual fee, it will be waived if the card is for 3 times within 45 days upon receiving the CC.
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Did she also mention that "RM50 bonus is limited and first-come-first-served" ?
I'm afraid the bonus has long been finished already.
chemistry
post Jul 13 2011, 08:19 PM

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QUOTE(ronnie @ Jul 13 2011, 08:15 PM)
The new offer is RM50 per approved principal cardholder... also a chance to win a Sony DSLR  drool.gif  brows.gif

http://www.hlb.com.my/promo/pfs/cc_capture...n.pdf?s=ccpromo
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those "Stand a chance to win XXXX when you XXXXXX" kind of promo I don't bother one.
chemistry
post Jul 13 2011, 09:19 PM

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QUOTE(ronnie @ Jul 13 2011, 09:00 PM)
Same here... Interested in the GUARANTEED Free GST + Free Annual Fee only rolleyes.gif  thumbup.gif
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Citibank and SCB are still reluctant to publish the condition of annual fee waiver. Chicken.
Wasting cardmembers' time and $$ to call CS. D*mn.
chemistry
post Jul 13 2011, 09:33 PM

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QUOTE(ronnie @ Jul 13 2011, 09:31 PM)
As long as SCB/Citibank waive it, I don't mind calling them once a year.
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If it happens that the bank refuses to waive AF, you have to redeem all the points before cancel the card, so hassle.
chemistry
post Jul 13 2011, 10:00 PM

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QUOTE(ronnie @ Jul 13 2011, 09:52 PM)
Very true... thus I hate Citibank  sweat.gif , love-hate SCB  rolleyes.gif
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SCB got Platinum toll-free, still OK for me.
Citibank hotline is not toll-free vmad.gif
chemistry
post Jul 13 2011, 10:51 PM

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QUOTE(Human Nature @ Jul 13 2011, 10:49 PM)
let's say the request for waiver is not granted and we decide to cancel the card. Do we still need to pay the AF?
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the AF is an upfront fee for next year usage.
That means, if you do not want to use the card anymore, you are not obliged to pay AF.
chemistry
post Jul 18 2011, 12:03 AM

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QUOTE(Gen-X @ Jul 17 2011, 10:39 PM)
my mum told me there is so offer for MBB cards too which I was not aware  doh.gif I just checked MBB site and we get a Body Shop Bath Gel if we spend RM250 with Maybankards.
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Youwould get even more if you bought your Oris in 1Utama. The gift is much more valuable than a body Shop Bath Gel.

This post has been edited by chemistry: Jul 18 2011, 12:08 AM
chemistry
post Jul 18 2011, 11:20 PM

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QUOTE(Sky_Q @ Jul 18 2011, 11:02 PM)
hi all...lets say someone sign up a classic card...have a normal spending and good record of prompt payment..will he be offered for a platinum card within a time frame to come without considering his salary??
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Ya it could happen.
however, banks are not obliged to upgrade the existing credit card no matter how good your payment is.
Back in end-2009, before the implementation of Credit Card Service Tax, many CIMB cardholders claimed that their Gold cards were "automatically" upgraded to Platinum cards.
chemistry
post Jul 18 2011, 11:45 PM

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QUOTE(hye @ Jul 18 2011, 11:33 PM)
Many now chase after this "false" sense of security and recognition. I mean what's the point of holding a Platinum card like that?
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To enter The Garden's premium washroom sweat.gif tongue.gif doh.gif
To use the Platinum parking at 1utama hmm.gif
chemistry
post Jul 19 2011, 12:02 AM

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QUOTE(Alec.Yong @ Jul 18 2011, 11:48 PM)
To enter the IR at casino, Genting Highland. (But now no longer valid).....
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I have not made any footstep in Genting casino.
I just don't feel like entering casino. rolleyes.gif
chemistry
post Jul 21 2011, 10:27 PM

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QUOTE(Human Nature @ Jul 21 2011, 10:13 PM)
First year annual fee waiver means we have to start paying annual fee at the beginning of the second year?
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Exactly. smile.gif
chemistry
post Jul 26 2011, 11:04 PM

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QUOTE(gerrardling @ Jul 26 2011, 10:57 PM)
i think most of the HLB card annual fee can be waived upon 12 swipes in a year ?
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I'm afraid he didn't do so.
chemistry
post Jul 28 2011, 11:52 PM

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QUOTE(Irresistible @ Jul 28 2011, 11:25 PM)
Basic salary = RM 2,000
Which credit card bank provide govt tax waive, & petrol rebate.
Thanks notworthy.gif
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UOB one card.
Gov tax cannot be waived.

If don't want to pay tax, please use Public Bank Esso Mobil debit card.

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