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

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snigapoe
post Aug 3 2011, 02:01 PM

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QUOTE(ronnie @ Aug 3 2011, 12:31 PM)
10% cashback every month would be perfectly too good to be true...
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i'm pretty sure such good promotion sure got some hidden T&C
snigapoe
post Aug 9 2011, 08:19 PM

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QUOTE(chemistry @ Aug 9 2011, 07:24 PM)
I think I know why.
Some people signed on the dotted line just because of the free gifts offered by the card agent.
You know, there are some people really don't know about this GST thingy until it appears in the statement.
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+1

the only thing they will look into is the free gift and forget the most important thing
snigapoe
post Aug 23 2011, 11:55 PM

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QUOTE(Irresistible @ Aug 23 2011, 11:28 PM)
which credit card can waive RM50 GST ? Thanks ya....

Currently , holding CIMB Petronas Credit card . Is it possible to WAIVE RM 50 GST with this card ?

If got a supplementary Platinum card from dad, I enjoyed the same benefit also ? eg. 5% all rebate on petrol etc ?
RM 25, I need to pay for supplementary card ?

Who is doing the payment  for supplementary card?
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there's no such card as can waive 50 gst completely
some do offer point reward system, u can use the point to offset your GST

principle will be paying for supplementary card if not mistaken
since both also share the same credit limit
snigapoe
post Aug 24 2011, 01:43 PM

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QUOTE(valkyrie5034 @ Aug 24 2011, 01:08 PM)
Yea, guess I'll do that but now's there a problem...

I just found out that Maybank requires annual income of at least RM30k to apply for classic. My salary is only RM2100 (not excluding EPF & Sosco) so I guess that's impossible for me.

I thought the minimum requirement was only 24K per year?
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you still can try to apply if you're lucky u may get approved on it
if rejected you still can considered on uob 1 card also with cash feature drool.gif
snigapoe
post Aug 25 2011, 11:23 PM

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QUOTE(chemistry @ Aug 25 2011, 10:47 PM)
Found a credit card collector in another chinese forum  rclxms.gif
damm....
this guy/gal is damm loaded
GST alone would be killing me
not to mention about the annual fee
snigapoe
post Aug 28 2011, 08:51 AM

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QUOTE(danlhct @ Aug 27 2011, 11:35 PM)
wow... the free gift looks nice
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never go apply CC by the freegift given unless the CC is really benefit to our usage


QUOTE(hye @ Aug 28 2011, 02:36 AM)
I like this statement. In fact, an honest advise to immediately stop using cc if the above scenario happens. Work on using cash and pay off your credit card debt until it is completed.

I have seen people spending on their credit card in the tens of thousands (or even more) in just one month alone thus it is not too difficult to get into trouble within a short span of time. Using cc is actually a discipline, if you cannot do it then a person should recognize it is a problem and take immediate action before it gets out of control.
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+1
if cannot manage finance better don apply for CC
snigapoe
post Sep 5 2011, 11:08 AM

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QUOTE(cenkudu @ Sep 5 2011, 10:44 AM)
anyone received a call from their banks regarding crisis shield plus coverage. no premium if we have 0 outstanding balance but will charge if we have outstanding balance. I'm not interested with this one but the way she spoke like I'm the only one who decline to receive the offer.
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pls provide full detail such as telephone no, person name where the person call from and etc and post on suspicious call thread instead at here
snigapoe
post Oct 6 2011, 09:34 AM

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QUOTE(WaCKy-Angel @ Oct 6 2011, 09:03 AM)
Bro can u give me the email address you sent to bank negara?

I have issue with Alliance bank...
I applied their card at shopping mall (actually applied other bank but the agent very noisy keep ask me apply few more bank from him) and then i got the card and i called alliance bank to cancel the card.

Somehow the card didnt get cancelled and the GST remained and interest keep adding up..
Later then i contact their recovery department and they only waive the interest but i have to pay for the GST charge, although i didnt even used the card at all.

Last month i paid the GST because it was flagged in CCRIS and i unable to apply card to do BT.

Do i have a case here? I actually called BNM number from their website and the officer told me GST will be charged once the card approved regardless whether i use the card or not...
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that's true, once your card approve gst will be charge
you use or not, then that's other story d
snigapoe
post Oct 6 2011, 11:11 PM

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QUOTE(nokiaXP @ Oct 6 2011, 10:22 PM)
normally apply through agent at shopping mall need how long?i apply on last mon but today i call rhb they still not received my application.i like apply from them coz got free gift no matter approved or reject.if direct go bank nothing can get
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i think you should call up the agent and request for the status
snigapoe
post Oct 7 2011, 11:17 PM

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QUOTE(celaw @ Oct 7 2011, 11:11 PM)
hi, any thread has all the cc tel no? can't find it..
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you can refer to the bank official website
snigapoe
post Oct 17 2011, 06:00 PM

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QUOTE(nokiaXP @ Oct 17 2011, 05:46 PM)
let say my cc credit limit is 15k.so wat the maximum credit limit i can request
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there's no specific
you need to provide them with your pay slip again and request for increase limit
but success is not guarantee

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