Yah, I was considering that, 2010 not a problem. 2011 BE Form Big Problem - no salary. If I really want to increase my CL must go fast fast and go apply before end of this month.

How much minimum CL I can get if I can proof above? I know people who has more than RM1M in FD but their PB issued credit card CL less than mine, hahaha.

By the way, to proof got 1 million assets also need to submit document lah to prove the same.

This post has been edited by Gen-X: Apr 6 2012, 01:21 AM

Ya loh, to proof net worth may need to show more documents compared to just a single BE Form, haha.

As for having a lot of money, it is different from me wanting to increase my CL. As I mentioned in my blog, my wife and me were issued Premier cards last year even tho we declared we were unemployed; and one bank even gave me 6 figures CL!!! But that particular card benefits is nothing compared to MBB VI 5X TP. The point is, unlike previously where banks would give me 6 figures CL without any proof of income or increase my CL simply by me requesting for it over the phone, nowadays, the banks need us to submit docs even tho one may be earning more than RM36K.

It is just that I might need a higher CL for my MBB VI since I intend to fly overseas more from this year onwards and another child is going overseas for her education next year.

yah, that's a good point. Any idea what is the max duration?

Why would I do that if it is not true?

Last week my son bought his car with his supped VI. And this week I purchasing tickets to Australia for the coming school break in May, and with my last months transactions, I would be near my CL. So like zenquix said, ask for temp increase in CL easier then asking for Permanent increase in CL. Well, I called MBB and was told max duration for temp CL is 3 months.

I also just posted today a freaking long article about purchasing my son's used car with his supp card in USA. Initially the dealers there won't allow full payment with credit card. Click below link to read my article if you got time for leisure reading.

My Coupe and My Son's Coupe Paid with My Credit Cards

Bros, my children Enrich points expiring end of this year, and I taking them to Australia. Assuming the on sale ticket (up to this Saturday) can be upgraded, each of them only need 13K Enrich Points to upgrade to Business Class. Can I redeem for Enrich points with my Treats Points for my children? If yes, what are the procedures because when I went to MBB website, I noted the redemption form does not have a place to fill the Enrich membership number.

Thanks for the reply Bro, I just call MBB CS before I read this and as you mentioned can transfer to third party over the phone (by simply giving them name, Enrich Card No. and Telephone No.)

As for the ticket, I bought them two days ago and just checked cannot upgrade. The joke is, with the sale, only need 19K Enrich Points to fly to Melbourne one way which means each of my child only need extra 7K Enrich points!!!! Too bad for for me did not check it out earlier, "wasted" about RM2K+ (Edited - not including taxes just purely for ticket, I remember hye mentioning still need to pay taxes and etc). This Enrich thingy came about because I applied for one and then remembered my children have the cards. Flying back with AA from Gold Coast.

But now I know what Enrich points can do, maybe I won't let my wife redeem my TP for cash vouchers to get her SKII and instead save it for FREE air tickets

This post has been edited by Gen-X: Apr 13 2012, 05:38 PM

No lah, I don't think PremierMiles can beat Maybankard 2 AMEX when it comes to collecting points (somemore got cash back too) for local transactions. As for overseas, she has a supped MBB VI from me. In my previous article on Premier Credit Cards, for local transaction, PremierMiles when converting to airmiles is like you get 1 enrich airmile for every RM4.11 spending and I believe even MBB 2 AMEX better than this at RM1.40 = 1 Enrich Point (sifu hye pointed this out before).

As for rebate for expenses incurred overseas with PremierMiles, thank you for the info, I just checked it out.

Minimum 5,000 PremierMiles = RM90 rebate. Increment of 1,000 PremierMiles can be redeemed for each RM18 in rebate.

Therefore spend RM15,000 get RM90 or return of 0.6%. Look ok since average most card gives returns of 0.5% BUT many cards award 2X points for overseas transactions. For my case, better to use MBB VI and get 45000 TP (2.5% equivalent in terms of cash vouchers) or 10,000 Enrich Points AND lower conversion fee.


Yah, MBB VI is excellent, with it is like getting 1 airmile for every RM0.90 spent overseas. Locally is equivalent to RM2.25. And with my son purchasing the car with his supp VI, and me buying air tickets with MBB 2 AMEX and MBB VI plus previous TP close to 200K, I will have half a million TP soon in my accounts, never had so much credit card reward points unredeemed at any one time in my life. 5X TP is fantastic

I just bought a new Toshiba i5 4GB notebook from Harvey Norman for RM1299 yesterday. Converted my TP to RM300 HV cash voucher.

Click below link to read more and also those who are interested in converting your Treats Points to Enrich Mile. I did a comparison between Maybankard 2 Amex and Maybakard Visa Infinite.

New Toshiba i5 4GB ATI Radeon for RM999 with Maybankard On The Spot Redemption and Enrich Miles Redemption

This post has been edited by Gen-X: Apr 16 2012, 01:09 PM

Yah, I was a great deal. I doubt you will get the same deal anywhere because I asked the salesgirl why so cheap and she said that they were clearing the store room and happen to find that unit there (guess their inventory system needs to be improved).

I f not mistaken, the promo is only for new to bank (i.e. existing card holder not eligible) and for one transaction and many other T&C. Wasting time if you ask me.

I doubt got such a thing reduce insurance for Car rental but if got, I also want to know.

American Express Pantai, if you go to Pantai or use Maybankard 2 AMEX and earn 5X TP/

OMG, another MNet, copy my "hard work" word for word I was reading the thread below and thought it look familiar.

http://forum.lowyat.net/topic/2311960

This guy smsbusiness2U started a new thread on BT and copied contents and links in my article titled Credit Card Balance Transfer 2012 - Gone is the best 0% Interest Free Loan. and claim credit for it. I have specifically mentioned in my article that one is not to reproduce any part of my article.

Sure you can repay RM500/month but you be charged interest. IF you want 0% interest, then you need to apply for another credit card that offer 0% Balance Transfer. But beware, the 0% BT comes with terms and conditions. Click here to read my article on Balance Transfer Plans and see the different types offered by the banks.

Just FYI, Alliance Bank do offer 0% interest for first 3 months for their credit cards. But, this kind of plan is also like a trap as it entices you to spend more than you can afford and come end of the three months, one can be stuck and cannot repay back in full.

This post has been edited by Gen-X: Apr 21 2012, 02:11 AM

You may want to look into Citibank Ready Credit and I think SCB also has same type of account. Check thier website for interest rates.

Are you referring to Debit Card by the way? If yes, many banks offer debit card that you can either choose to link it to your Savings Account of Current Account.

I was surprised too that epicentre imposes surcharge. Nowadays, most of the computer shops I go to at Midvalley or Sunway or at shop/offices for miscellaneous stuff don't even charge surcharge. Next time go to Harvey Norman or Machines, no surchage with AMEX

This coming Friday is Parkson Member's Day at Subang Parade. Converted my reward points to cash vouchers last weekend for my wife to use it this coming Friday. Click below link to read my latest blah blah blah article titled

Free Money from Maybankard and BonusLink for My Wife's SK-II

Yah, maybe it is true no extra bonus link points, but, I save on cash Then again, I will also earn the extra bonus link points and 5X TP with MBB 2 AMEX for the remaining amount not covered with the vouchers.

**Edited** I was told last week that the cash voucher still entitles one to the RM10 yellow voucher.

This post has been edited by Gen-X: Apr 24 2012, 11:52 AM