I got d postcard saying that if I spend Rm 50 I will get RM 10 Starbucks voucher but till today I haven't gotten anything yet.

Today 1st day of the month I already maxed out the RM 50 rebate for my Amex. Last month my rebate only about RM 20. Very unhealthy spending patten

Call 1800886688 and inquire.

Sorry, it was 1300

You can actually ask the CS to check in the system whether your application was received or not by the CC processing department. If had not, then only you need to call the branch to find out what happened to the application.

I might want to go and apply for increase of credit limit soon cause I want to take advantage of the 12 months 0% balance transfer. It has already been 6 months since I got the cards.

But my EA and BE form figures are different by quite a huge amount. I applied my card using my pay slip only, lets say 30K. EA form also shows 30K. However, lets say I rob people as my part time job at night and I had declared it in my BE form April this year making it to say to 50K.

So am I eligible for credit limit based on 50K income or just 30K from the salary slip?

I have other source of income that is taxable just that it is not in any form of official papers. Probably I can print out an A4 paper and have it signed. Thats all. And I did declared it in my BE form and paid my tax for that income.

I also charge whatever small amount whenever possible. It just irritates me when a lot of restaurant have this RM 50 minimum amount required in order to use the card.

I share with you my story. Few weeks back, I booked a hotel room via Otel.com. There were some issue with my booking so it was canceled on their end and I gotta rebook. The problem was the initial booking amount was still floating when I tried to make the second booking. It rejected my booking because I did not have enough CL as the floating amount is still there.

Went and call the CS but they could not do anything on the floating amount as they need Otel.com to cancel the transaction. Otel.com on the other hand said they had canceled the transaction. (Maybe there is a grace period before I get the floating money back. I don't know.) So some time wasted calling the CS but no one could help me on this so at the end, I just pay up my CC outstanding amount early to book again.

So in my case, they did not let me burst my CL.

This post has been edited by tifosi: Oct 28 2011, 10:44 AM

Sorry I forgot to mention this. I asked them for temp credit limit increase since I am just short of 500 but they declined. They say they will only approve such cases when I am in overseas or in an emergency (eg. hospital).

So maybe when you are in overseas they are more lenient. My guess.

I got the call only once when I link my Paypal to the card. Thats all. Even I swiped over the credit limit also they did not call me.

On the other hand, Public Bank will normally call me whenever I swipe for an anything that is over 1K.

Public Bank I tried statement due date + 1 day and no interest were charged.

This month's Maybank will also be statement due date + 1 day for me. Wanted to pay my bill yesterday and realized I did not have enough to pay in my Maybank account. So I interbank transfered from SCB yesterday but the funds was only credited today. So lets see how

Yup. Jusco card gives 10% discount. That day when I paid, I give the cashier 4 cards to swipe just for a drink.

J Card - 10% discount
Genting Card - Cant remember 2X or 3X World Points
BCard - Berjaya's Loyalty Card. Not mine. Don't bother since I am against Vincent Tan except Starbucks.
Amex - 5% + 2.5% discount.

I have 14 cards (CC, DC and Loyalty Card) in my wallet excluding about 6 which I keep at home cause I seldom use. All for different purposes. How I wish I could consolidate all into 1 card and select the cards I want at the cashier.

Tried at Nando's Trop City and KLCC, both places accept AMEX.

You still get 5% discount

I am not too sure about how long the promo will last but there was a barista that told me for those who use Starbucks Card in the future might not be able to enjoy the 10% J Card discount reason that the Starbucks Card is already having a buy 10 free 1 drink promo hence is already at 10% discount.

Btw, just found something interesting. I booked a hotel in Bangkok recently but due to flood, I canceled it. The hotel debited me back X amount of money and I lost the X amount of points based on the amount the debited.

Technically Starbucks card is more of a prepaid card rather than promo card or discount card.

Yes, you can combine all your TP into 1.

Guess what came in my mail? Nop, not Lexus nor big ass TV

Remember some of the selected are supposed to get RM 10 Starbucks voucher upon spending RM 50 when we got the M2 Amex card? Well, that voucher came today.

My RM 10 Starbucks voucher was delivered by GDEX yesterday.

This post has been edited by tifosi: Nov 24 2011, 10:23 AM

The Starbucks 10% offer I got is from April this year where I didn't use the card for the first 2 weeks after obtaining it. They sent a postcard saying that if I use RM 50 and above within X number of days, I will get the voucher. This is like 6 months ago

Check the exchange rate different. You may lose the exchange rate conversion cause Paypal gives pretty low conversion rate from USD back to MYR. The rate I usually get is 0.1 lower than what they advertised on XE.com.

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This post has been edited by tifosi: Nov 25 2011, 11:32 AM

Another great article. I really enjoy reading all of your few blogs. Not stalking you btw.