not sure

according to the CS's explanation she just said normal post

so i guess, can consider it as a lost parcel?

normal snail mail has no guarantee of delivery. It could be lost, or it could be delay. I have experienced 3 weeks delay for a post within KL itself.
when the card is reported lost and blocked, the next day, the mail arrived.

If you needed the card urgently, advise you to collect from branch better.

not really urgent

i'll give them another few more days next week before i report it as not delivered and will request for a new branch to self collect

the mail arrived with new card or the previous card that you've reported lost/stolen?

unfortunately, the previous card.
And you can't unblock it once it is blocked. So I ended up waiting for another week to get the new card (surprised that this time it can be delivered within 1 week).

so unlucky

dont know if i should just be a little bit more patient and wait or not

so far checking in my HLB portal its all still 0.00

I'm not worry about stolen inactive card, no one can use it until it is activated.

true

maybe give them a bit more time

see next week will arrive or not

lol speak of the devil

card arrived

Congrats! You are on the road to credit card bonus!

want to ask , for this card ,

Min spend RM2K per month is GOOD ? why


and , to hit 108K ......monthly need 9K
if i got lucky , after 6 month already hit 108k .....i get the 1800 immediately ?
or need to wait full 1 year ?

this card , get RM50 cap monthly
and 1800 if hit 108k ,
what else benefit ? thank you

after you hit 108k, you will only get the 2k monthly RM50 CB. The RM50 CB if you don't withdraw will continue to enjoy FD board rate.
the 1800 payout only gets paid at the end of your card anniversary.

so , it's good to keep the CB to enjoy FD board rate ?

Board rate is usually lower than promo rate. But one year only RM600 CB and you accumulate RM50 every month, you won't feel any difference lah.
So, it's up to you if you want to keep it or withdraw. No pressures.

This post has been edited by laymank: Apr 24 2018, 09:55 AM

CB : 600 + 1800 = 2400

2400/108k x100% ==> 2.22%

is my calculation correct ?

yes, something like that.
therefore, it's only good if you are big spender throughout the year, where no other CB cards offer you anything in return after the threshold is reached, then this card comes in handy.

Or if you plan to whack 100k straight, this card ultimately would be the third or four best overall with the bonus year end spending.

But once you hit the 108k cap d, time to find another card

3rd, 4th .....


then , which card is 1st + 2nd ? thanks

1st - Amex for airmiles.

2nd - WMC for airmiles.

Cashback is secondary for me nowadays. Coz if you spend 108k also, you only get back around 2,5k-3k. But if you get 100k air miles, you might be able to get some decent deals on business class to overseas. (Assuming you are lucky and the rates are not revised.)

thanks,

1st - AMEX === MBB AMEX 2 card ?
2nd --WMC == what card is this ? thank you

1st - Amex Reserve / Amex Platinum Charge Card

2nd - Maybank WMC / HLB Infinite / Ambank WMC

(If you are interested in Enrich solely, CIMB Enrich & HLB Infinite is quite good. HLB auto convert to Enrich while CIMB gives one of the better value RM 4 to 1 Enrich points compared to MBB at RM 4,77 for 1 points. But HLB infinite is a 150k PA card so kenot compare in some ways with CIMB)

Anyways, if you are a heavy spender, Airmiles is worth more than just mere cash backs. That's why most of the premium cards are offering mainly points instead of cash backs.