haha

i use amex as much as possible due to 2.5% rebate

i use citi pump petrol 5% rebate

i use HLB essential for 1% rebate for everything else

hsbc for 0.5% which i think useless for me except for on going promo but wait 3% for groceries ^^

GSC/TGV ? clear card do it all buy 1 free 1, even maxis already give buy 1 free 1 for quite some time

coffee bean? clear card too

i wan some card from other bank....holding 4 cards GST gonna kill me but the rebate i getting quite worth it

Hi all,

I have concern about the difference between the insurance provided by credit card and those by air ticket company.

i am actually using Citibank PremierMiles to bought ticket in AirAsia..
do you think i should purchase the insurance from air asia again, or the insurance provided by the credit card is good enough?

http://www.airasia.com/my/en/flightinfo/ai...ainsurefaq.html

As a consumer, what is your personal opinion? Thanks.

You may wanna read this comment from Hye:
http://forum.lowyat.net/index.php?showtopi...post&p=48802111

This post has been edited by Human Nature: Mar 28 2012, 06:03 PM

Thank you Bro Human Nature
Just to compliment what is already written ... an honest advise to frequent travelers
1. Do consider getting an annual travel insurance if you travel often.
2. Often the travel insurance offered by credit card companies or airlines are "lesser" vs if you were to get it directly from the insurance companies. Too many people want to benefit from "YOU" and you'll end up with less.
3. Good things are not cheap AND cheap things are not good. If anyone reading this does not believe me - don't be lazy. Do your own research of travel insurance products from insurance companies / airlines vs. free travel insurance from credit cards.

many thanks!

apply for OCBC to replace your HSBC, HLB and Citi cashback platinum card

Hi, is cimb da closing soon? did anyone using CIMB Touch n Go Visa? can we apply this card individually or we have to apply together with CIMB Petronas Mastercard? Is the CIMB Touch n Go Visa better than those ordinary Touch N Go card and Zing card?

CIMB Direct Access is special division (since Southern Bank Berhad).
Naturally, CIMB will want to focus on strengthen the CIMB brand, rather having 2 divisions....

bros,

what banks if you call them will pay the rm 50 government tax for you?

No banks will pay the RM50 GST for you lah ... give you back in another form only.

AmBank has revised their minimum late charge of RM10 instead of RM5 as of Mar 1, 2012.

http://www.ambankgroup.com/en/Personal/Car...IslamicBank.pdf

Wonder if other banks do have the same? They also did not give any grace period. If your due date is Mar 28, they will charge late charges on Mar 29.

Bro, got lah, OCBC, that is if you spend minimum RM10K a year with their credit cards.

Above was mentioned here some time back in February/March. Besides AmBank, Citibank and HSBC also raised the late payment penalty fee. I also posted a short posts at my wordpress blog where I gave link to the respective banks site in new interest rates and late penalty charges.

AmBank, Citibank and Hong Leong Bank Raised Outstanding Balance Interest rates.

HSBC is also hiking Outstanding Balance Interest Rates.

** Edited **

Just published an article on LV wallets for my wife and my credit cards. To see what cards I carry all the time, click on below link.

Louis Vuitton Wallet for My Credit Cards and Wife's too.

This post has been edited by Gen-X: Apr 3 2012, 08:52 AM

Yes. CIMB need 10,000 points to offset RM50 GST.

Been following the last couple of days/weeks post and I don't understand why people are making such a fuss about banks raising the late payment penalty fees.
The fees is only applicable to those who pay their credit card bills late and it'll be especially troubling for habitual late paymasters coz it will hurt them the most - their pockets.

To me, the banks can be charging RM1K (or even whatever amount) for late penalty fees but if you always pay on time or paying earlier than the due date then who cares ? Banks will never collect and would not benefit from you!

This post has been edited by hye: Apr 3 2012, 10:45 PM

+1

Anyway for those of us who don't have outstanding balance, if accidentally pay late or because of technical error, it will be waived anyway, at least for my case where I often forget to sign my cheques on something to do with the date

Guys, I wanna know one thing
I made some purchase through installments using my credit card.
So if I want to clear the installment in one shot is it possible?

You need to read your term and conditions. Most banks charge a penalty for clearing the installments at one-go.

Just dined-in at The Curve yesterday with OCBC. This morning received sms that stated the rebate amount (20%) .. yeah~~

http://ocbccards.com.my/TheCurve.aspx