Bro, this offer has been around for sometime and offered thru credit cards. Please attend it and then give us a review/report

I actually wanted to go for it, but I call them up and no one pick up the call and therefore not bothered after that.

This post has been edited by Gen-X: Apr 24 2012, 08:18 PM

Bro, give a review of the room too

This post has been edited by Gen-X: Apr 25 2012, 05:56 PM

the ambiance, was it luxurious, was the bed or sofa comfy, deco, toiletries, service etc like I did here for Grand Lisboa and Venetian hotels in Macau. And the buffet too. Maybe you should start a blog too

This post has been edited by Gen-X: Apr 26 2012, 06:43 AM

Bro, thank you thank you for the review and your comments. And wonderful tip on checking in on the same day as the talk

haha, guess you were brainwashed. Installment or 1 off swipe?


To ALL:

I just publish my the second article on my tutorial series for beginners to credit cards. For those who have read my previous article titled Credit Cards are Cash Cow For Banks - Are You Working For the Bank? no point reading this as it is similar. But for those who got no idea how the banks impose interest on Outstanding Balance and new to credit cards, the article may be useful.

CC 224 - Credit Card Interest Rates

You should call CS. I am been receiving SMS from MBB for my transactions including those as ESSO.

If your salary is RM2.5K/month, that means your annual income should be no less than RM30K/year which meets the minimum income requirement for MBB 2 Cards. If you are above 21 years old, yes you can apply for MBB 2 Cards. And if your annual income is less than rM36K/year, based on Bank Negara Malaysia guidelines, your credit limit shall not be more than 2 times your monthly salary.

Bro, call CS to confirm - ask what is your available credit. My guess is that their system combined credit used up when calculating the shared credit limit but does not take into consideration if you have "over paid" for a particular card until statement date.

Thanks for the update, we learned something today. So, if we do overpay, call CS to transfer amount to another card that we intend to use or have used

give the link please

36 months!! By that time already got 2 newer products and the guy still paying for his obsolete gadget, haha

And if use MBB 2 AMEX at Harvey Norman up to 12 months installment plan still can earn equivalent 2.5% with Treats Points (e.g. RM1000K = RM25) plus up to RM50 cash back on Saturdays or Sundays for single swipe instead of RM10 or RM15 cash voucher with AmBank CC.

Of course you may call them and ask whatever relating to your account.

Don't know how much the annual fee but HLB do waive my annual fee for years and in the last 3 years they auto waived it when I wanted to cancel 3 years back.

the 9.8% upfront one time? if yes -
since you can repay RM500/month why don't you use excel and calculate the interest and determine which is "cheaper".

wait few more days or call customer service to ask if the card have been sent out.

Finally, a great offer from RHB, FREE Starbucks Drink and GSC Movie Ticket every Friday with RHB Credit or Debit Cards.

This post has been edited by Gen-X: Jun 21 2012, 12:24 AM

haha, maybe Human Nature can benefit from it (since I noted at another thread he was on holiday too about the same time as me).

why do you want a Malaysia Credit Card?

Well, I guess above statement applies to anywhere on earth.

If you pay in full your Australia CC there won't be any interest charges. In actual fact, some Australia credit card interest rate on outstanding balance is even lower than Malaysia issued ones. For example Bankwest has a CC that offers interest rate of 10.99%. Click here to see table of other banks' credit card interest rate. HSBC interest rate is high and don't offer low interest rate CC.

Banking fees not necessary high too, I have several free debit cards from Australia and I am sure you have several too. However, using your Australia Debit Card in Malaysia will most probably cost you more than using cash as there are fees associated with overseas transactions.

Here are your options if you are unsuccessful in getting a Malaysia issued credit card:

1. Next time you are back and if you are in Klang Valley. Drop by Maybankard Centre at 1U and apply for the Maybankard 2 Cards on the spot. I got no idea if they will process your application based on your overseas income but no harm trying.

2. Ask your parents to get a debit card from their own banks. You can bank in the money for them via online transfer/TT or post them bank drafts.

3. Ask your parent to open a join Citibank Savings Account where debit cards can be issued to both of them (from a single account). You on the other hand open a Citibank account and you can do online transfer of funds to their join account instantly. Alternatively, when you are back home, go open join accounts with each of them and all 3 of you will get debit cards and you can monitor all your savings accounts worldwide with Citibank from a single online account. Click here to see comparison of Citibank Global Transfer between account versus cash withdrawal.

4. Check out HSBC Advance account when you come back. See if they will issue you the HSBC Advance Platinum Card. Maybe Miles can confirm if the card is issued automatically with opening of a HSBC Advance account. Need to maintain RM20K in account or else there's a monthly fee. However, I am not sure if you can get supp card without a join account.

5. If you have RM150K to deposit, go open CIMB Preferred Banking and you'll be issued a credit card automatically or other Privilege/Priority Banking with Alliance and HLB with RM200K. Got more money to deposit, check out Standard Chartered Bank and HSBC. Once again, you need to open the account jointly with your parents to get supp cards.

This post has been edited by Gen-X: Jun 22 2012, 08:48 AM

As usual, you the sifu

Citibank - freaking long (about 2 hours) to open an account here. Anyway, even if they don't want, you can open one yourself and use the debit card when you are here and transfer your funds from Australia online.


if you are not using the funds for a year or so, then go open an Alliance Bank Privilege Banking or RHB Premier Banking and get their credit card for free. Advantage is that it will help you built up your credit history here and easier for you in the future get a credit card. Best of all, these banks don't charge you anything if your AUM falls below RM200K and still get to keep your Premier Debit cards and Platinum cards which allows you free entry to KLIA Plaza Premium Lounge and LCCT too Click here to read my article on Privilege Priority Premier Banking Accounts and the credit cards issued for FREE.

This post has been edited by Gen-X: Jun 22 2012, 11:03 AM