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).

Thanks. SO untill now, if mainly purpose for petrol...is UOB is the best choices?

Another new credit card for Air Asia frequent flyer to be share.....
For more details, log in to http://www.citibank.com.my/english/credit-..._AirAsia_021012

First thing first, I have no issue paying extra upfront. My telco maxis bill also paid up early upfront using the recent OCBC rebate.

I signed up the autobilling at TM directly

The reason I have signed up for autodebit : To have RM2 off from autobilling rebate
The reason I have paid up using Amex : For the additional 5x points, 5% is covered by OCBC as well

Call me kiasu or whatever, I was thinking to pay up using Amex before OCBC transaction go through so i maximise both the autobilling rebate and Amex 5x points.

Maxis is efficient in that sense, the autodebit only pays whatever remains (as long i pay upfront before autobilling kicks in). If there's none, then it would not pay. Unlike TM.

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Added on October 25, 2012, 3:36 pm

What I always do:
1. Call up the CS say I want to cancel the card (they'll talk you through about keeping your card by giving some benefits etc)
2. Stand firm in cancel the card, CS will say ok.
3. Make sure to get the CS name
4. Fax/email them a copy of your cut CC (I normally didn't cut as I want to keep as remembrance, so i photostate the card and cut the paper instead)
5. Call and follow up to make sure it's cancelled.

may i know that the RM50 government tax is charge as soon as you active your card thru phone call?

my friend activated her card but didnt use it till now, hsbc charge her for late payment for the government tax of extra rm10 each month..

no it didnt.. cause that is second card (amanah) offered by hsbc..where she already holding conventional one. if we plan to cancel it will she have to pay the rm60?

hi guys, want to get advice about cc

i want to apply for maybank cc, not platinum, just normal 1.
but dont know want to apply which card, can recommend me?
- want use cc for online payment like apps store and filling petrol only.
- not very frequent shopping and normally less than rm200.

visa or mastercard prefered? thinking about petronas maybank visa, izit good enough for me?
working at private and my friend recommend me to get cc just for financial record since i just working.

Please remove SCB cards from all the categories. SCB cards are useless until further adjustment from SCB.

This thread has been quite boring recently. Most people ask about how to get a CC, CL increase, BT, etc. Also there is no more CC war, most new products are not attractive. That's why I seldom appeared here.

By the way, I am thinking of how to fully maximise the RM600 cash back from JustOne Titanium by end of this year. I can then say goodbye to this card before the annual date next year.

Even though SCB indicated that the removal of cash back and points will be temporary, SCB may not restore the 5% cash back feature for JustOne Titanium. I shall wait until my card annual date coming May 2013. What works best is if I can fully maximise the RM600 cash back cap by end of this year.

** End of 2012 / New Year Greetings **



It's that time of the year again for me to write that New Year Greetings

Happy New Year Folks !

Even for this situation also need to pay it? I tot bank will wavier for housing loan approval for a year.

Any idea that where can spend for this card with benefits?

But I seldom see this card got promotion.

oh i see, thanks for your sharing

Between, this card can cancel right if seldom use after a year ? but still having the loan with them

RM0.00 StanChart: JustOne Credit Card 5% CashBack on retail transactions offer to be discontinued effective 1/3/13. Pls refer to our mailer & website for info

So the speculation is proven right.

This link says 1st March. Why I never receive the cash back?

http://www.standardchartered.com.my/person...n/en/index.html

Thanks for the update.
So... my plan is intact. Spend all my remaining rebates available by 28.02.2013.
This means excluding today, there are only 2 more Fridays in this month. 

Thanks David83. Assume is 18% per year, the interest rate would be Amount withdrew x 18/365 X number of days from the day of withdrawal right?

Hey, thanks for the advice fly126, Gen-X... hey but if I get the Maybank 2 Cards, doesn't that mean I also have to pay double government tax?