Bro, we are here for discussion to benefit each other, why you want to insult others? The first paragraph clearly shows your intention.

And you very senso lah, you make "fun" of me with your sarcastic remarks using "colorful" words and calling me names like unker; but, I get your point and therefore I can understand where you coming from. But when others comment your reply/post, you become defensive instead of elaborating on your thoughts, haha.

For your information, Bro hye has been contributing to credit cards matters at Pinned Credit Card Thread for years prior to this section being created. I have learned a lot from him. His posts are direct and if you read carefully, he is not really attacking you but makin a point.

Everyone has their own style of writing, hye's posts are direct whereas yours is more relax style as if talking to a buddy. By the way, I like your style of writing too, using words like "rob", as if a gun is pointed at you, to make a point.

My 2¢ worth, though I'm new to LYN but seeing the contributions of ppl like HYE, GEN X and others at their own free time to entertain us on our numerous queries, doubts etc, we should at least be thankful and grateful to them. Even CS of banks don't provide such services.

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Added on September 23, 2012, 11:26 amTo add, keep up your good work guys and gals.
Bless u all.


This post has been edited by Akalems: Sep 23 2012, 11:26 AM

Correct me if I'm wrong, this forum are mainly made up of laymen members. Finance professionals wouldn't need to ask questions here, would they? We don't need the holier-than-thou tone of posting here. Why insult u may ask? Some professionals/middle-higher income ppl would never stand in the shoes of the laymen.

He has been targeting me ever since I attacked him over the GST waiver offset issue. We as laymen/consumers, why would we want to care about the law/technical stuff? All we want to know is whether we can get it or not, simple as that. Leave the compliance to the bankers. If the bankers want to find creative ways to manoeuvre around the laws, its to our benefit and their problem, not ours. He made it as if using the GST waiver word could land us in jail.

This post has been edited by Pink Spider: Sep 23 2012, 12:09 PM

Let's all get back to the discussion related.
Shall we.......?!

Ask anyone here ... it's never a personal attack. What is wrong is wrong. I don't see problem getting the terminology spot on as it's part of the education to our readers and that's what the thread aim for anyway. So, if you have a problem with that and want things your way, there are other sections in LYN which allows you to do so.

The misuse word in GST at that of time has became an epidemic...it got to the point where people are getting obnoxious asking for something they don't understand. Healthy discussion/debates is fine with me but the wrong use of the word need to stop ... more readers to this forum understand that now right ? How wrong is that ? Isn't it good for everyone to have the same common understanding instead of practicing selective discrimination on who should know more or less ?

Goodness Do continue posting your insults in this forum and I'll leave the public to judge you. I'm from 서울, South Korea so what do I know right ?

hi. which bank provide gst offset every year. most bank only first year.

OCBC does it for their Titanium MasterCard but as usual, T&C apply. Please head over to the OCBC thread. You'll get all the answers there and please spend some time to read the first post.

This post has been edited by MilesAndMore: Sep 23 2012, 11:09 PM

uhm i want ask har..

i just got 2 credit cards from maybank recently and im thinking of using it to buy stuff with it la.. then there's this 0% interest rate installment but im not that sure about it

can someone kindly explain it to me ?

0% means what ?

if lets say 1 month need pay RM100 will the bank charge me the interest rate ?

thanks

I'd sincerely advise that if you don't have the money, don't go on debt using your credit card. Credit card debt/interest is up to 18% per annum.
Credit card should be treated like a cash equivalent. And thinking that credit card debt is manageable is not the way to go.

so its not advisable to buy stuff using instalment plans ?

For Maybank 0% Ezy Pay, the amount you need to repay monthly is the purchase price divided by the duration (6, 12 or 24 months) you selected for the plan.

Example, you want to buy an item costing RM1800 and you go with 0% 12 month Ezy Pay scheme.

The the amount you need to pay is RM1800/12months = RM150 per month.

If you only pay RM100/month, then you would not have settled the Outstanding Balance in full and therefore you shall be imposed interest charges. Always settle Outstanding Balances as stated in your Monthly Statement prior to the Due Date to avoid any interest charges. Since you just got the card, you will get the statement soon and you will then understand what I meant by Outstanding Balance and Due Date.

Bro, it is not advisable to go with installement plan if you don't have any savings on hand. And if you go and purchase an item with installment plan when you don't have the money on hand, it simply means you are living beyond your means or as I put it, Pay Now Earn Later (i.e. you are in debt). Click here to read my article 0% Interest Rate Installment Plans with Credit Cards - It IS A Trap

If you want to learn more about credit cards please click here to my Credit Card Tutorial Page

To All:

Got no idea where to eat? Click here and check out my article Dining Promotions with My Credit Cards.

Oh.. this is pretty educational.

Thanks mate !

Just to add on, even if you have the cash in hand, you still need to make sure you will be discipline enough to keep the cash and pay the cc bill in full when it comes

A very very informative post

Aiya Gen-X bro, if only your blog post came early 1 week.

I ate there just last week at Chinoz and it was on a friday night hence I used OCBC Titanium instead.

I didn't know got promotion if used Amex (Maybank2card) 33% is so much better than 5%

I ordered the same salmon spaghetti

Hope you can benefit from it Bro

Bro, if two person, then it's 50% off.

So 3 things you can gain from reading my article:
1. At Chinoz use your AMEX Platinum (Gold no discount).
2. Always ask if there is any discount with any credit card - I always do that, buta buta can save RM50.
3. Bookmark my dining promo food article in your smartphone

This post has been edited by Gen-X: Sep 25 2012, 08:15 PM

It was two person as well. I only have Maybank and OCBC card though.

Will bookmark your article thanks

This post has been edited by hye: Sep 26 2012, 08:04 PM

Just wan to ask. I am fresh entry to work for few months already. I am considering two bank of cards.
1. UOB one cards.
2. Ambank Gold card.
Actually i am just use it mainly for transport rebate. Which 1 is more suitable..since i know UOB need a number of transaction to waive the annual fee while AMbank Gold card is free.
I need sifuss advise...thanks in advance

What do you mean by transport rebate? TnG? Go to Touch n Go Thread. If Petrol, UOB One Card cash back at 5% better than AmBank credit cards.

To ALL

Only recently I published an article that we can get up to 7% discount for our hotel room when booking with Agoda.com using our Maybank, Citibank and HSBC Credit Cards.

If you have a RHB Credit Card, you can get 5% Discount with AsiaWebDirect.com for your online hotel booking. Click here to my post at My Credit Cards at wordpress for RHB AsiaWebDirect Promo.

If you have CIMB Visa, you can get promo rates at HotelClub.com. Click here to my wordpress blog post on CIMB HotelClub room reservation promotion. In this post at my wordpress blog, I have also included links to my articles on hotels - Grand Lisboa Macau, The Venetian Macao, Crockfords Tower Sentosa Island, Budget hotel in Melbourne for a single person or family of four and Chevron Towers Apartment at Surfers Paradise Gold Coast Australia.

This post has been edited by Gen-X: Sep 27 2012, 09:30 AM

Currently, I think the most necessary 1 is petrol. While i did not travel a lot and didnt use touch n go so frequently. So for UOB one card is the best choice for the freshie like me? Thanks for your reply ya. Highly appreciate.Thanks