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Credit Cards Credit Card v17, Ask general questions here, Please read the 1st post before posting!

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fly126
post Feb 9 2013, 11:08 PM

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Happy Chinese New Year, Gong Xi Fa Chai !
& Happy Holiday to ALL... tongue.gif
fly126
post Feb 14 2013, 05:33 PM

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QUOTE(johnnywzm @ Feb 14 2013, 04:57 PM)
Any product that allowed us to use 0% instalment? I only know laptop. Shed some lights please ..
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Maybe Branded Designer's item.... (Handbag & Shoe), Smart Phone Gadget, Electrical Home Appliances or Furniture....
















fly126
post Feb 14 2013, 11:48 PM

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QUOTE(mar90 @ Feb 14 2013, 11:23 PM)
i have a question. let say credit limit is 5k only. can i charge 5k to it everyday by paying the amount the same day? or maybe can debit the card? how much can we debit the card?
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CAN... you can do it so with Debit Card, depend the Spending Limit that You set on the Debit Card (Usually 5k daily... & some Debit Card with 10k Spending Limit). Actually You can Set Any Spending Limit on Debit Card

This post has been edited by fly126: Feb 15 2013, 10:53 AM
fly126
post Feb 15 2013, 12:09 AM

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QUOTE(mar90 @ Feb 14 2013, 11:49 PM)
if debit card sure no problem..but can this be done using credit card?since credit card can get points/rebates.. smile.gif
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Credit Card is No Problem You can Max up the CL of the card...but Yes some Bank have set cash back or Reward point limit on their Credit Card
Mostly them Around $5,000 from total Monthly Spending entitled to get Cash Back or Reward Point & there maybe No or Less Cash Rebate/Point be Rewarded >$5,000... blink.gif

This post has been edited by fly126: Feb 15 2013, 11:24 AM
fly126
post Feb 16 2013, 01:37 AM

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QUOTE(simplesmile @ Feb 15 2013, 10:57 PM)
Is this true?
Well, setting a ceiling on rebate is understandable. As most cards allow you to claim a max rebate of RM50 a month.
But setting a ceiling on reward points earned in a month? Is this true? Anybody experience this before? Which bank?
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So Far as I know:
The Newly Launch Citibank Rewards Platinum Card ...with the exception of the Driving category which will earn NO points after the monthly cap is exceeded. http://www.citibank.com.my/english/credit-...ards_categories

& also, there was NO Point will be Rewarded for Purchases at Petrol Station with most of the Citibank's Reward Point based Cards

This post has been edited by fly126: Feb 16 2013, 01:44 AM
fly126
post Feb 18 2013, 04:13 PM

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QUOTE(help me lah @ Feb 18 2013, 04:08 PM)
Good evening everyone,

I am wondering (can't search for this) is there any credit card which counts online bill payments as retail transactions and hence contribute to your cash-back schemes (such as Public Bank 0.3% cash rebate) and/or credit card points (such as Maybank TreatsPoints)?

Example of bills :- Telekom, TNB, Astro, Digi, Syabas, etc

I reckon that this would be too good to be true, because bills are generally not considered as purchases but rather more of utilities/maintenance, so banks aren't so silly (or are they? ;-)) as to give free points to things you already have to pay, but I am asking anyways for you guy's experience in this. Arigato very much!
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Retail Spending (Transaction) = All Purchases of Goods or Services (including all the Billing, Insurance, Quit Rent, Assessment Fee...) Charged to the Credit Card
But, NOT Includes : all Cash Advances, Balance Transfer, Instalment Payment Plan, other Credit Plan, Annual Fee & Charges... rolleyes.gif
fly126
post Feb 19 2013, 09:47 PM

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QUOTE(Gen-X @ Feb 19 2013, 09:46 PM)
Hi guys, I just got back and found out I was that my UOB and CIMB had outstanding balance and was charge penalty and finance charges  doh.gif But CS say will waive both charges if I pay tomorrow  biggrin.gif I thought I settled in full and even paid extra but I guess I did not, haha.
As usual, you have some nice graphics with your greetings  smile.gif
Thanks for the advise. Actually I forgot my password for my gmail and as such could not find out why they deleted my blog..... and when I was overseas, google kept asking for my overseas number eventho I entered my Malaysia hp number correctly. Anyway, blogspot automated classification blocked my blog because they classified it as spam. I have request that my blog be reinstated and if they don't, I have decided that I will stop blogging.
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Welcome Back... laugh.gif
fly126
post Feb 20 2013, 12:50 AM

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QUOTE(viknes36 @ Feb 20 2013, 12:21 AM)
Hi All,

Kindly please assist me. I have ambank credit card and realise that they charge me RM50 for excess charge.

excess charge is due to used above credit card limit. I thought we would not be able to use once we reach limit yet ambank charge me 50 for over utilise the card. Is this common for all bank?
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I Recall that, Standard Chartered Bank also have charge $50 Over Credit Limit Fee over the Cardholder who Excess their CL ... sweat.gif

This post has been edited by fly126: Feb 20 2013, 01:16 AM
fly126
post Feb 21 2013, 09:25 PM

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QUOTE(umiseaz @ Feb 21 2013, 07:32 PM)
ocbc just reject my application

can i know how long i need to wait to reapply the same bank or other bank credit card as well ?
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As for Same Bank maybe need 3-6 months Cooling Period to Submit your application again
For Other Banks You can do it Anytime... smile.gif
fly126
post Feb 26 2013, 12:16 PM

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QUOTE(zuying1985 @ Feb 26 2013, 11:19 AM)
Hi all,
I'm using Platinum card right now, would like to ask in order to ask for the waiver of annual fees, I do need to swipe 12 times per year.

but it going to expire by May 2013, if I start using it form today with transaction like RM10 petrol 5 times per week until April (when it reached 12 times).

Will I eligible to ask for the annual fee waiver? It is up to any amount of retail transaction right?
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•Annual fee waiver for every year with easy spend conditions, i.e. spend a minimum of RM5,000 or swipe 12 times within
a 12-month period


As Your Conditions, min. 12x Swipes within a Year (in any Amount) enough already as a min Requiment for Annnual AF Waiver
As Long as you Keep On use they CC , the Alliance Bank delightful to give you ZERO Annual Fee for LIFE biggrin.gif

This post has been edited by fly126: Feb 26 2013, 12:23 PM
fly126
post Feb 26 2013, 12:41 PM

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QUOTE(zuying1985 @ Feb 26 2013, 12:25 PM)
Thank you for your answer  rclxms.gif

I've got this card for 9 months but never use of it, because that time was only applied this for balance transfer application, anyway, will swipe the card for RM10 petrol later and accumulate the transaction smile.gif
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Actually, Not Bad the Benefits of the Alliance Platinum Benefits:
*High Credit Limit
•0% Finance Charge for first 3 months
•0.6% - 2.0% cash back* on retail spend
•2x Timeless Bonus Points on overseas spend
•Annual fee waiver for every year with easy spend conditions, i.e. spend a minimum of RM5,000 or swipe 12 times within
a 12-month period
•Exclusive privileges and discounts at participating merchants
•Instalment Payment Plan at 0% p.a. interest rate at participating merchants
•Unlimited Complimentary Access to KLIA Plaze Premium Lounge
•Customer Service Hotline Assistance
•No lost card liability upon reporting
•Demand Drafts and Cashier's Orders
•Worldwide recognition and acceptance

For more Details pls Refer to: http://www.alliancebank.com.my/Personal-Ba...tinum-Card.aspx


fly126
post Feb 26 2013, 02:32 PM

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QUOTE(coo|dude @ Feb 26 2013, 12:45 PM)
anyone know of any non-business credit card that offers cheque facility?

I think both RHB and Hong Leong Bank offer this, but it is only for those who own a business. I am looking for the same for non business owners.
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CIMB Prime Account (Plan)
http://www.cimbbank.com.my/index.php?ch=cb...r&tpt=cimb_bank
More Detalis pls Refer to: http://cimbprime.com.my/page/about.php
fly126
post Mar 1 2013, 02:33 PM

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QUOTE(Dkck @ Mar 1 2013, 01:20 PM)
Which bank still offer pledge FD to get credit card nowadays? Contacted OCBC but not offering anymore.
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Maybank & Hong Leong Bank
fly126
post Mar 4 2013, 04:50 PM

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QUOTE(subaiku @ Mar 4 2013, 04:35 PM)
Hello credit card sifus.... wanna ask your opinions, am considering these two cards from Maybank but unsure which one to go with...

How is the Maybank Islamic Ikhwan Visa Gold different from normal credit cards?...

http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards
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The holders of the Islamic card are Only permitted carry out Halal Transactions,
But, NOT Includes the transactions related with Six Categories that don’t meet Shariah Requirements.
These categories are bars, discos, night clubs, purchase of beers, escort and massage services and gambling.
The Card Will Decline when Use it on Either this Six Categories... sweat.gif

But, No Problem With Me when Using My HSBC Amanah Credit Card-i at Chinese Eateries (Non-Halal Rest.) smile.gif

This post has been edited by fly126: Mar 5 2013, 11:08 PM
fly126
post Mar 12 2013, 09:18 PM

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QUOTE(WhatMan @ Mar 12 2013, 03:22 PM)
I accidently pass someone my credit card. The person who holds my credit card is trustworthy. However, she insist on me to block the credit card just to be safe. She is on a trip for a month so it is not possible she will give me back the credit card anytime soon.

Is it possible temporary block the card for a month? If so, any penalty? Would it be better to replace the card, and will there be charges for this?
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YES, You can Temporarily Block Your Credit Card... nod.gif
If You need a New Replacement Card, Most of the Bank will Charge $50 for It... sweat.gif
fly126
post Mar 23 2013, 02:07 AM

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QUOTE(2ack @ Mar 22 2013, 05:14 PM)
I would like to ask what's wrong with my situation that i can't even get a gold credit card. I have a company turnover of more then 2 millions per annum not including my tenancy agreement. the only loan i have is asb loan dated back from 2007 and i have no problem paying it because i used auto debit for the loan.

the only thing that i can think of is i don't have a borang b and my directorship is less then 2 years. the company is transfer from my mother name. i already tried a few like hsbc,cimb,uob and even maybank itself where i corporate current account is there also i cant get. I wanted to used it for travel and business cause i dont want to carry a large sum of cash everytime.

the only solution that I can think of right now is pledging my money to hsbc or ambank. but if there's any other options or people know a few banks or institutional that is quite lenient please let me know. thanks  nod.gif
*
Being Employee EZ to get Bank Loan, Credit Card than being Employer (Boss)...the Reality Facts nod.gif
Like My Boss tried to Apply Credit Card from Countless Bank by Using Borang B (Company start up more than 20 year ago), Not even 1 Bank give Credit Card's Approval to Him... rolleyes.gif

ME... Working with Him more than 10 years++, I got 6 Credit Cards all apply thru My Salary Slips Only

At Last, My Tauke's Wish Granted finally... He Obtain 1st Credit Card thru Fixed Deposit & 2nd (Last one) with Car Loan
His Total Credit Limit of Both Card pun tak Sampai Half of My (1) Credit Card's Limit... Funny Isn't It shakehead.gif

This post has been edited by fly126: Mar 23 2013, 02:17 AM
fly126
post Mar 24 2013, 11:20 PM

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QUOTE(speedo @ Mar 24 2013, 11:12 PM)
hi

what are the charges if i use rhb cc visa overseas? bali ?
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RHB: 1%
fly126
post Mar 29 2013, 10:52 PM

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QUOTE(rickkywong @ Mar 29 2013, 10:00 PM)
Ulala....something new and special from Citibank. But, in which category should this card at?  rclxub.gif Please share... icon_question.gif

http://www.citibank.com.my/prestige/home_l...Prestige_190313
*
Citi Prestige World Elite Mastercard with Min Income Requiment $200,000 p.a & $1000 Annual Fee (can not Waive)... rolleyes.gif
(Higher Level than World Mastercard & Visa Infinite)
One of our Forumer just got it from Citibank... smile.gif
http://forum.lowyat.net/topic/2586152/+620#entry59313645

More on World Elite Mastercard: http://www.mastercard.us/credit-card-world-elite.html

This post has been edited by fly126: Mar 29 2013, 10:57 PM
fly126
post Mar 30 2013, 02:25 AM

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QUOTE(arthurlim89 @ Mar 29 2013, 11:36 PM)
guy, i have 1 question, i have 1 UOB credit card nearly 1 year, i was told that i can apply any credit card without salary slip or income tax. just fotocopy my credit card and IC then can apply already, is that true?
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Started from 2012 Can Not already...lah , You Must Provide the Income Proof for the Bank to Apply Credit Card Now nod.gif No More Card get Card Application doh.gif

This post has been edited by fly126: Mar 30 2013, 11:57 PM
fly126
post Apr 1 2013, 10:23 PM

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QUOTE(ericng19 @ Apr 1 2013, 09:34 PM)
can anyone here suggesting me what can i do i applied for several cc, but all of them were being rejected! working for nearly 3 yrs yet they still rejected my application, there must be something wrong.
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Maybe too Low your Salary $2100 a month isn't it....???
How Much Your EPF Deduction Your salary $2100 = $231 (EPF) or Less or Just Basic Pay...???
Some of the bank Refer to EPF only Others maybe Gross Income (Basic +OT+Commission)

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