Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsHong Leong Fortune, The Good / Bad of the Cards.
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 Apr 24 2018, 10:27 AM
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#21
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Senior Member
4,232 posts Joined: Apr 2011  
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QUOTE(paogeh @ Apr 24 2018, 10:22 AM) CB : 600 + 1800 = 2400 yes, something like that.2400/108k x100% ==> 2.22% is my calculation correct ?  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. |
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May 25 2018, 01:30 PM
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#22
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(sg999 @ May 25 2018, 12:23 PM) Any fortune card user here? anything you need?Currently i'm essential card user here. Wish to change to fortune card because offering minimum 1% cash back compared to essential just 0.6% for first 5k. |
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Sep 20 2018, 10:43 PM
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#23
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4,232 posts Joined: Apr 2011
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QUOTE(LemonJane @ Jul 13 2018, 04:49 PM) daniel7910 what do you mean when you said "payment to your balance transfer account will not count"? The term for 'qualifying spend' should be on 'spending', not on 'repayment'.Just to make it clearer as to what I meant in my original question: Let's say the bank has approved me an FPP of RM20,000 and Balance transfer of another RM10,000. Assuming I have hit RM120,000 spending this year however my qualifying spend will be cut down to RM90,000. So according to the terms and conditions of the card, I would not get RM1,800 cash reward on my card anniversary, though I would still get RM680. Assuming I have repaid RM 20,000 during the year for both FPP and BT, do you think the bank may add back my repayment amount of RM20,000 so that the "adjusted" qualifying spend becomes RM110,000 such that I would still earn RM1,800? |
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May 6 2019, 10:51 AM
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#24
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(tan_aniki @ May 6 2019, 10:47 AM) but what if you still got installment with the card, what will happen if they closed the account if you still owe them money? usually it will be transferred to another active account, if any. Otherwise, the card account should stay active for repayment only until the installments are fully paid. |
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