Call Customer Service - number behind your credit card.

I would think NO since the principal card holder is the one responsible for supp cards too.

Hi guys, for your reading pleasure, I just published my usual freaking long winded article with a short title My USA Trip 2013.

My trip to USA would not have materialized if not for the wonderful Maybankard Visa Infinite.

In the above said article I touched on how I got a FREE Malaysia Airlines ticket with my Maybankard Visa Infinite, United Airlines Mileage Plus Points and Premier Access, United Airlines’ United Club Lounge access with my Priority Pass Membership Card, using Facetime with Apple gadgets, my son’s guitar collection and posted photos taken in Seattle and San Francisco. And of course my articles would include a message for you to decode, hahaha.

My Malaysia issued credit cards are not accepted by United Airline Online Booking, but that's a blessing in disguise because my son got me cheaper domestic USA tickets and one of them is with United Airlines.

And for you guys who love Starbucks, I visited the first Starbucks Store at Pike Place Seattle. Check out the photos.

Click below link to start reading and you can always bookmark it if you find a headache developing from reading all the text, hahaha.

My USA Trip to Los Angeles, Seattle and San Francisco.

This post has been edited by Gen-X: May 27 2013, 09:38 AM

If you not using the HLB credit card, why keep it.

Don't be discourage because OCBC rejected your application, many people reported the same.

If you are earning RM60K or having salary of RM5K/month, many banks are more than willing to offer you a credit card.

Having said that, some have reported that their Maybankard application was also rejected because their income is commission based even though they earn more than RM60K/year.

From the Transaction History - pay for all transactions prior to Statement Date -and to be kiasu, include transaction on statement date.

Or the other way - Balance Due less transactions after Statement Date.

If the AMEX account appears in our M2U account, I guess there should be no limit. But if paying a third party there is a limit.

it is legal, and of course it is practical.

As you may be aware, the MBB 2 AMEX earns us 5% cash back up to RM1K spending. If I were to purchase something worth over RM1K, I would split the payment where I will use my MBB2 AMEX and get my wife's to use her own MBB2 AMEX to maximize the cash back. There was one time bought a watch for my wife and the merchant prefer Visa or MC over my AMEX, so to make both of us happy, I use my CIMB (up to a certain amount to qualify for a gift from CIMB at Pavilion) and the rest paid with my MBB 2 AMEX.

What you talking about she beg you to apply?

I think your reason to get a card is kind of ridiculous.

If it was a guy would you apply for the card?

Anyway, what you so worried about getting lower CL? You need how much CL with card from Citibank?

For example - do you actually utilize the CL with your SCB credit card considering the fact that is has the worst redemption program.

This post has been edited by Gen-X: Jun 5 2013, 09:19 PM

Nah, I don't think Citibank will reject as they "hadap" for customers and they are known to give pretty generous credit limit; but, if you say OCBC then I agree

I think (3) is the most important thing to consider when one is holding a card, hassle when lost or with higher CL bigger headache when fraud occurs.

This post has been edited by Gen-X: Jun 5 2013, 11:55 PM

Bro go to SCB Thread and ask, many sifus there sucking money from SCB

This post has been edited by Gen-X: Jun 6 2013, 12:24 AM

You are not the first one to complain here that you have been issued a cc by PBB because of your loan with them.

If the card is in your hand, you need to pay the GST.

Options -

1) Pay the RM50 and keep the card for a year. PBB reward points/cash back is amongst the worst but who knows, you may get to save some money from their discount promotions at selected outlets.

2) If you thinks it is a matter of principle that you should not be issue the card, call Customer Service and tell them you do not wish to have the card as you did not apply for it (i.e. you don't remember checking any box or read anything that you be issued a credit card in any of the forms you signed and also you did not give verbal consent to the agent for any credit card to be issued). Recommend you record the conversation (use your mobile phone lah), write down the person's name and time of conversation. If PBB insist you pay the GST, email to BNM to complain that you were issued a credit card from PBB without your consent.

3) go swipe the card 3 times as you mentioned and get the GST rebate.

This is good news, thanks b00n for the invaluable info.

This post has been edited by Gen-X: Jun 6 2013, 10:02 AM

I am sure many of you love the wonderful Maybankard 2 Cards American Express for our local transactions where we get to earn unlimited 5X Treats Points for all transactions PLUS 5% cash back on weekends. And when we convert the Treats Points to cash vouchers, it is like we are getting 2.5% cash back.

For overseas transactions, I have mentioned many times that the Maybankard Visa Infinite is the best. This is simply because it has one of the lowest conversion rate and at the same time earn the cardholder 5X Treats Points too.

And now, I will show you how I can get returns of more than 10% with the Treats Points earned from my expenses.

Would you believe me that I can "earn" more than 19% in returns from using my Maybank Visa Infinite? And you too can earn up to xx% in returns too with the Maybankard 2 AMEX. Click here to read my latest article titled My Son Is Going To The USA on Business Class Again.

It has been more than 1.5 years since my last article on airport lounge was published and since then HLB and Citi VS no longer issued the Priority Pass Membership Card or allow FREE entries to LCC Plaza Premium Lounge. So instead of updating that article, I just published a new article in regards to airport lounge entry with credit cards.

Click here to read my article titled The Best Credit Card for FREE Entry to Airport Lounge 2013.

And of course the article comes with a brief review of the new Citibank Citi Prestige World MasterCard Elite that issue the Priority Pass Membership Card that grants UNLIMITED entries to airport lounges worldwide. And also my comments on HSBC World MasterCard and Visa Signature UNLIMITED entries to KLIA Plaza Premium Lounge

This post has been edited by Gen-X: Jul 8 2013, 11:33 AM

Thank you Bro for pointing out above. Glad to know HLB extended the privilege to KLIA and LCCT PPL. In Airport Lounge Thread, b00n did take the trouble to post all cards allowing FREE access to LCCT PPL and HLB VS is one of them (refer to Post#1).

Anyway, I updated my article to include the HLB VS and gave credit to you


Yes, when I first got the EON Visa Signature the annual income requirement was RM180K (and gave me CL of 6 figures too without submitting any proof of income ) but after HLB took over EON Bank, the Priority Pass Membership Card feature was removed and the annual income requirement was reduced to RM80K. However, I got no idea if HLB has reduced it further since Citi Premier Miles annual income requirement is now only RM60K. I hardly used the HLB VS since the reward points were not competitive compared to MBB 2 AMEX and MBB VI for local and overseas transactions respectively. HLB did waive my annual fee for the 2nd year but before the 3rd year anniversary I terminate it as did not want the hassle go begging for annual fee waiver yearly. Moreover, from my experience with HLB, it takes like forever for HLB to reverse/credit annual fee in their system.

Someone is going to get the HLB VS soon

This post has been edited by Gen-X: Jul 9 2013, 02:00 AM

agree with tgeoklin. Most car dealers do accept credit cards for payment.. Toyota, Mazda, Honda and luxury cars but they may limit you up to a certain amount without any surcharge, so nego with them. However some Proton dealers do not accept credit card... so as go look for one, e.g. try Proton HQ Shah Alam. I remember for Perodua, at one time there were offering 0% installment for Nautica downpayment with Citibank CC.

Not sure what you mean by "extra charges" but AMEX charges 2.5% and MBB another 0.5% (not sure if they increased it this month). Read thread below:

https://forum.lowyat.net/topic/1845691

To ALL:

In respect of overseas transactions, I noticed that my MBB VI overseas conversion rate for August (this month) is higher than previous months but I can tell you it is still lower than my UOB VI.

Bro, sure they charge you 100K Korean Won but you paying in RM. So what was the spot rate on the day your transaction was posted versus the rate you are paying. Can someone please explain the Forex admin fee to him

Wah you actually save money

Reason being is Ringgit has been weakening and weakening and weakening. Go check what was the conversion rate the day your transaction was posted (i.e. about a month ago).

I think all MBB cards have t he same Statement Date and Anniversary Date, so you can't have separate statement date for different MBB cards.

I feel above is adequate. Ignoring that you can earn up to 5% cash back or getting discount with the right card, transactions between 27 and 6 use UOB. Transactions between 6 to 26 use MBB.

Seriously how much money can you really save/earn (from having the money in the bank to earn interest) for daily expenses?