Sorry to hear you have a bad experience. Do keep us posted of the developments both from QSR and MBB.
Hopefully it's QSR's fault for not keeping their staff well informed.

@winner
Probably ... we need people to start talking about their actual transactions with hotel bookings as well (Website, actual transaction date and time) so that all of us could benefit and plan for best time to do hotel bookings.

I believe many of us (including myself) do quite a fair bit of hotel bookings online.

Just to get the ball rolling

Website : Agoda.com / AGODA HOOFDDORP NL
Transaction Date & Time : 28th Sept 2011, 7.05am
Transaction Posted on : 29th Sept 2011
Card Used : MBB AMEX
Currency transacted : MYR (Sometimes other website will use USD or local currency and then converted to MYR. This info optional coz this may provide forex info and redundant coz we got an existing cc forex comparison thread)



This post has been edited by hye: Oct 1 2011, 07:23 AM

Happy ending indeed. I am surprised that QSR even replied to you as I agree with the earlier statement from Gen-X that Malaysia CS has a long way to go in terms of matching what overseas companies CS standards.

This post has been edited by hye: Sep 29 2011, 08:56 AM

I believe in giving opportunity for everyone to Own and contribute healthily in the finance thread. I don't fancy threads with short term goals and visions coz they don't contribute much both in terms of content and opportunity for everyone.

Success of this section relies on everyone, I don't think I'm well versed in everything. Just doing my best. But if everyone wants me to consensually start (and none one out there offers), I'm OK to take up that role.

This post has been edited by hye: Sep 29 2011, 07:04 PM

Well said. Guess a lot of people probably have their own idea (or agenda) what they want or blinded by the marketing people.
You probably understand what you want in your card, go for it and ignore all others which doesn't fit the bill.

We should talk about this card less and then Maybank will then sponsor this section which what Citibank did.
At our rate, we doing free advertising for them and getting nothing

Many people like yourself who want quick answers but lazy to search has given similar excuses in many posts and in various ways but they all mean the same.
You are lucky coz some folks are still willing to answer repeated questions and there'll be a time where no one will tolerate it anymore.

No profanities allowed in this area on my watch.
We are all civilsed people and there are ways to express your anger without using any profanities.

Agreed. It's rather subjective because it depends on your comfort level. One may have the opinion of needing it and the other No.

You cannot walk in to the Maybank Regional Centre to appeal because they are not open to public.
Your best bet are to the bank itself. You get to talk to a person and you can file an appeal. Filing an appeal does not guarantee you an approval although you may have products with them.

If you ask the seniors in here then the answer would be to practice paying in full. One can swipe RM50-100K (or more or even RM450K which is the Citibank Plat max limit) and the bank can charge 38% or even 200% interest but don't need to care if pay in full every month. (No need to about it)

So to the seniors here, they don't care whatever percentage the bank ask to pay from the due every month coz I'm almost sure they pay in full. (Congrats and thanks! )

Paying your credit card partially on a monthly basis potentially and/or overeagerness to EPPs opens up the problem of uncontrollable personal debt which we have many encounters in here. Many rants as to why the bank is sucking their blood dry whereas the actual problem is the consumer itself who choose to build debts the wrong way. Some readers get angry when we advised them on their spending / debt patterns.

This post has been edited by hye: Nov 8 2011, 06:45 PM

In the first place, all banks T&C require cardholders to keep their card details a secret and known only to themselves.
If someone else knows your card number then there's something wrong already coz it's a matter of time before an abuse happens.

The waiver is for Annual Fees, Maybank never mentioned all fees are waived forever. They mention Annual Fees waived for lifetime. (Savings up to RM2,300 per annum) Service tax is payable but charged only for one card under the MBB2Cards. That's why you'll see Amex being charged and credited but not so for MasterCard.

You may check Maybank's website, agent and etc, should you don't believe. Next time, please read up carefully on what the promotion are and what is not.

Not necessarily. Amazon will only charge your card when items are shipped. You can't guarantee that your timing will be 100% accurate. There are times when Amazon has good prices on items for a very limited time then is it still worthwhile to still chase the cashback ?

If you insist (coz you really want to find a way to get a credit card and can't accept a no) then you may try the roadshows, etc. But be prepared for possible rejection.
Don't come back here and rant about being rejected coz we told you so.

This post has been edited by hye: Dec 28 2011, 04:19 PM

Yes ... it is true. If you don't believe then search the finance section for postings of forex difference. This should also give you the answer for difference in AMEX charges vs. MC & VISA.

Goodness ...
How best to save from Amazon ?

- Always monitor prices and use price tracker. That way you'll maximise your savings if you are price sensitive and willing to wait for best prices offering from Amazon. Would not work if you are chasing after a particular item or collector's item.

(I'm trying not to be sarcastic)

- If you don't want to lose forex exchanges then work in the US, open a bank account and use cash to pay for your purchases in Amazon. Otherwise if you are working and living in Malaysia then the only way is to use a debit or credit card to pay for your purchases.
- Forget about winning all the time. If you get best prices then no way you can control when Amazon will charge your card unless you are an Amazon staff who control the credit card charging system.
- Use MBB VISA / MC as they offer the best exchange rate among all other cc providers in Malaysia. You may lose points but you pay less. You want points then use AMEX but pay more for overseas forex transactions fees. You cannot win all the time.
- All other card providers who offers % discounts are date sensitive .... again unless you can control when Amazon charges you then forget it.
- You still want points ? And get best forex rates ? Then be a PB member or if your earnings per annum qualifies with Maybank and get yourself the elite credit cards which is the VI and WMC. Pay a hefty fee for the annual fee or make sure you spend RM60K with VI or RM120K per year with WMC. You'll get the best forex rates + plenty of points (5x for overseas purchases)

I think the above should be crystal clear if anyone want the best and the best to buy from Amazon.

This post has been edited by hye: Dec 28 2011, 10:56 PM

Erkkk ... yes. I'm in South Korea now.
Yes ... it depends on Starwood promos on their rooms and there's a promo in Seoul D Cube with Starwood till end of this year. But Starwood rooms are freaking expensive at this time of the year. The Seoul D Cube are like double the prices from regular days. Walker Hill are probably cheaper but they are very far away from Central Seoul.

Agreed. Can take the conversation offline if you want to ask.
Using a credit card here is rather mainstream .... you can even use it at 7-11 and similar convenience stores. Some taxis accept them but I'm not sure whether got any extra fees or not coz never use it. I'm surprised can even buy bus ticket with credit card. (Not to mention McDonalds, BK and the likes) Transaction approval is also quick ... take just a few seconds.

OK then ... up to you since you are still considering AMEX for overseas online use.

Maybank does not reveal their forex rate for their cc. You can go to their website but that's the general forex info. And forex rates fluctuates within the day.