If you are the one making the call, they may request your card number or IC number for identification/verification (with some other questions). Usually I just give my IC number as I can memorize it.

http://www.uob.com.my/

If you are the one making the call to the number listed at the back of your card, then it is alright. For general questions not specific to me alone, I just skip all the card details though.

I just got this in black and white

I intend to apply one card but the form requires my consent for disclosure of information for marketing, promotional purposes to persons or third parties as the bank may deem fit, and a lot other clause more.

Just wondering if anyone of you ever tick no, and your application is still approved?

Let's say, I applied for 1 card with an annual fee, no 1st year fee waiver. When will I be charged the annual fee for the 1st time, upon approval or 1 year anniversary? Thank you

I have terminated my card account and I want to keep the card as memento due to its design. My question is, will it still go through and being charged if it is swiped?

Previously, I destroyed everything; the chip, magnetic strip, the CVC and cut it to small bits.

I have made a reservation for a hotel room using my CC and it is not charged yet.
Is it possible for me to request the hotel to charge my another CC instead?
If yes, this should be done during check-in or check-out?

Thank you

alright, this is for the RHB

Not yet, finally managed to find a time to submit to branch today. Asked for free gift, but the staff said already have the RM150 cash back.

haha I scared mah. After destroying to bits, i either burn them or throw to separate bins

For benefits like cash back, points, lounge access, free gifts, retail and F&B discounts, golf privileges, travel privileges, at least 20 days payment deferment base on statement, and many more.

different people will have different type of spending and financial planning. we over here like to remind readers that it is best to settle all outstanding before the due date to avoid penalty interests.

example:
statement date cycle is every 18th of the month. i made a purchase of RM1000 on 20th July 2013.

This transaction will only appear on the 18th August 2013 statement, due date will be 8th or 9th September 2013.

As long as i settle everything by 8th or 9th August, no penalty interest (always pay few days before if using IBG or cheque).

Can you see the period that I can defer my payment without having to pay a single cent in interest?

Now, 20 July is a weekend and if I am using Maybank 2 cards Amex, I will get 5% rebate + 5x points, roughly equivalent to RM75

This post has been edited by Human Nature: Jul 7 2013, 01:44 PM

All my cards so far are shared limit if they are from the same bank.

Based on your example, you are only left with 2k. Since it is a shared limit, it means your CL has been increased from 7k to 8k. The 2k balance can be used by either one, card A or B.

different bank, will not have shared limit

Interesting. LCCT is not stated as one of the PPL there Any idea what is the income requirement? not stated at the website

Maybe next year just applied for UOB Pref and RHB, my LCCT PPL quota is taken care of until next year lol

MilesAndMore
Hi, I come across your post below on hotelclub:

I would like to know whether the booking will be charged to our card at the moment we submit the booking form (like Agoda), or during check-out (after the stay)?

Thank you

Hi, thanks for the confirmation. I was a bit hesitant initially as it states, "Hotel fees are paid upon check-in or check-out, unless otherwise specified by the hotel policies", but I later figure that it applies to cancellation or room service charges. Yeah, saw that cancellation bears no fee but only the hotel may impose some.

I booked through the Visa promo page where it states 15% discount offer. I did a comparison, no difference in pricing between CIMB/RHB and a few ringgit cheaper than agoda (7% Maybank Amex discount).

The price shown between USD and MYR is exactly the same as current forex, so I opted for MYR too. If everything goes well, I will get further 5% cashback (RHB online transaction promo).



add:
The transaction is not posted at online banking yet, but the amount deducted from my CL is a few ringgit more than the amount shown at the voucher (small amount of ~RM6). I thought if we select MYR, there is no more forex?

This post has been edited by Human Nature: Jul 19 2013, 05:49 PM

Okay, so I have contacted both RHB bank and HotelClub.

According to HotelClub, the amount billed will be the same as what is shown at the voucher (no forex fee).

I contacted RHB to check on the amount billed (still floating) and here is what I got:

RTG ratetogo - RM5.90
RTG hotelclub - RMRM270.75

The amount shown at the voucher is RM270.51

Anyone know what is this 5.90 for, and why there is a difference of 0.24 there?

add: received a clarification from HotelClub, all is well on the 5.90
The difference in the figure will be refunded.

This post has been edited by Human Nature: Jul 19 2013, 09:45 PM