wah so fast v16

other smartphone, access it via http://m.maxismovies.com

i already said to them - no thanks

not going to mv so often.
stick with my old *cracked* gold card. haha

KFC Tesco Kajang
KFC Sungai Chua Kajang
KFC Tesco Ampang

*please do go to counter that accept card.
example - KFC Tesco Kajang need to ask 1st which counter can use card.
example - KFC Tesco Ampang they put notice "cash & credit card" at the cashier machine.

this, u need to swipe rm50 for 7 times, with different merchant

more info here - http://www.hsbc.com.my/1/PA_1_1_S5/content...k_promo_tnc.pdf

it should be rm24k/year.

new rules only for annual salary of rm36k or less.

the new rules are:
- max 2 banks
- unlimited cards within that 2 banks
- CL are shared (this rules already implemented) within bank and max only 2x monthly salary.

example, u can have maybank and cimb.

for maybank, u can have:
1. mbb2 amex gold + mbb2 mastercard gold
2. mbb petronas visa
3. mbb amex gold credit card
4. mbb sony visa
5. mbb gold mastercard (got annual fee)
6. mbb gold visa (got annual fee)

and all 6 cards will share CL which max only 2x ur monthly salary.
so if ur monthly salary is rm2.5k, all 6 cards will share rm5k CL only.

for cimb, u can have:
1. cimb generic classic/gold mastercard
2. cimb petronas mastercard
3. cimb touch-n-go visa

all 3 cards will be sharing CL of 2x ur monthly salary.

note: example of the cards above are all can be applied with salary of rm36k/year. pls remember each card got rm50 GST!

for people who earned more than rm36k/year, this new rules wont applied.

ur welcome.

for me, there is another card better than both citibank and hsbc

but if u looking for only those 2, then it depends on where u will using it.'

example if u love watching movies on friday, citibank clear mastercard is the best, coz can buy 1 free 1 ticket, but, got annual fee.

while for hsbc, if u shop about rm1k per month at mid valley / gardens / isetan / parkon, then hsbc signature visa is the best, since it give 5x points, but, ur income must be rm100k/year.

for hsbc amanah, it is cashback card, which is 0.5% on everything.
while normal hsbc is points-based, 1 point for rm1.

and hsbc amanah cannot be use at non-islamic place such as for liquor, club, disco, gambling, etc.

why not just reply here?

wah usually end of year. now is from middle of year to next year march!

"There is a maximum of RM2,000,000.00 Cash Back available for this entire Program with a capping of RM200,000.00 per month based on first-come first- served basis"

1st 2 weeks of the month can finished already

jusco IS included, under Hypermarkets/Supermarkets, not under Departmental stores.
means only can buy groceries for the cashback ~

yea my HSBC and DA also no prob swipe there.

typo there i believe.

btw i have no idea about interest calculation coz always pay full. even i just joking to pay min or half, my wife threat to kill me! haha

OT: she did obey me. she just dont want us to have any debt

except for petrol rebate, ended last year

but this Smart Flexi-Pay Plan is good!

NEVER heard such thing.

of coz no brochure, coz its not true

for gold card, hsbc website stated - free annual fee if swipe 12x/year .
unless u got black & white saying free annual fee for life w/o any condition (i did, 3 years ago).

NO. ur transaction will be rejected.

go pay rm300 at least or more first into your card account. it will free up the balance of the CL.

CL = 4000, recent = 3600, available = 400

pay = 300, available = 700

OT: no i'm not working for the banks. and yes, i also sometimes spent beyond with 0% installment plan

---

Added on June 6, 2011, 3:38 pmwhy need to pay online? just choose cash, then at pizzahut pay using amex

its easy. no need to print anything ~

This post has been edited by erry-: Jun 6 2011, 03:38 PM

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

same, disagree with gst increased. the interest that should be increased! so people will pay full amount or just will be scared to use card ~

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Added on October 4, 2011, 6:04 ambut i believed bank wont increased the interest, instead they lowered it.

like mbk2 doing now, 8.88% p.a.
or mbf, 0% for 3 years (max amount applied per card type).

besides, for the bank, there is where the money come from

This post has been edited by erry-: Oct 4 2011, 06:04 AM

the terminal can even cancel the approved transaction

go doing BT lah - http://forum.lowyat.net/topic/1992001

NO NO NO. dont ever cash advancecd from the card!

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Added on October 5, 2011, 7:20 amif cant settle rm12k in 12 months BT, go for longer period, such as 24 months or 36 months (but no 0% offered).

example is BSN 24 months 4.5%

This post has been edited by erry-: Oct 5 2011, 07:20 AM

BSN BT 24 months, the 4.5% is calculated 1 time only.

so rm12k will be charged rm540 then rm12k/24 = rm500.

meaning, 1st bill need to pay rm1040, followed by rm500 for next 23 months.

but then, if rm6xx also cannot pay, how to pay rm1040 and rm500?

Gen-X, at ur blog, for AmBank Carz Gold Visa, "purchase your groceries (more than RM50)", it should be RM100

BTW, BankRakyat also offer Classic Card (income 24k p.a) with no annual fee and FREE GST.
The only bank that give FREE GST.

But, the card reward system... rm10 = 1 points

and the points can only redeem umrah/holiday package

This post has been edited by erry-: Oct 5 2011, 11:39 AM

OT: and now alliance offer 4% for 24 months. rm12k will be charged rm480 only.

This post has been edited by erry-: Oct 5 2011, 10:32 PM