Just posted today my latest article about my wife's and my Standard Chartered Visa Infinite. Click below link to read how I got it and let it go but SCB reissued a new one to my wife.

Standard Chartered Visa Infinite

Also posted this morning HSBC hiking Outstanding Balance Interest Rate 15 March 2012.

And for those who missed my article on Hong Leong Bank Visa Signature posted last week, check it out as the annual income requirement have been reduced from RM180K to RM80K!

Hong Leong Bank Visa Signature - The Best Visa Signature?

For more of my articles on specific credit cards, please click below:

Citibank PremierMiles Visa Signature and Platinum credit cards.

Hong Leong Bank Fortune Visa Cash Back credit card.

HSBC Premier World MasterCard and Visa Signature.

Maybank Visa Infinite - The Best Credit Card for Overseas?

Click here to read my article titled - The Best Credit Card in Malaysia - Is There Really One?


Click here for Credit Cards Customer Service Contact Numbers.

For your own good, you must click here and read this article on Credit Card Fraudulent Charges and SMS Alert.

If you are new to credit cards, Click here to read my article Credit Cards are Cash Cow for Banks. Are You Working for the Banks?

This post has been edited by Gen-X: Oct 17 2013, 11:04 AM

The HLB VS annual fee is RM800. First year free. Posted it in my table for Premier Credit Cards.

To ALL: I am so freaking mad with UOB for changing the automatic annual fee waiver to 60 swipes. Click on below link to read my article about me and my UOB non-Preferred Plat.

UOB Credit Cards - Why You Force Me To Beg You?

**Edited**
To get auto annual fee waiver:

Classic Card Minimum 60 swipes per year. No minimum for any single month.
Plat cards Minimum 1 swipe per month and total 60 swipes/year.

This post has been edited by Gen-X: Feb 29 2012, 05:43 PM

Just published the first article of my 3 part series on Credit Cards for Beginners. Freaking long post, hahaha. Since it is FREE tuition, don't expect it to be perfect. But with you guys pointing out the errors, it can be perfect

CC101 - Introduction to Credit Cards 2012

After 2 months of waiting, HSBC finally announced the benefit of their Premier World MasterCard and Visa Signature.

Same 5X points at Mid Valley, Gardens and several other places but the maximum amount eligible for the 5X points was increased by RM500 to RM1,500 for this year.

For overseas dining and hotel bills, the amount was also increased by RM500 to RM2K but it is now 10X points

And airmiles conversion 3000 Reward Points = 1000 Airmiles

Click below link to read my article and see if you agree with me that having the HSBC Premier Credit Cards are just for shiok sendiri
HSBC Premier World MasterCard and Visa Signature Benefits 2012.

This post has been edited by Gen-X: Mar 5 2012, 07:42 PM

Actually the HSBC Premier WMC does grant free access to some airport lounge somewhere on planet earth but not Malaysia airport lounges.

This post has been edited by Gen-X: Mar 5 2012, 07:44 PM

Wow! This OCBC movie promo is fantastic, applicable on any day and for any class. Citibank only on Saturdays at TGV. Only set back is OCBC promo only offer 1 FREE ticket irregardless of how ticket you buy whereas Citibank up to 2 tickets. I kind of missed this earlier, hot discussion at OCBC thread, so thanks for posting it here.

This post has been edited by Gen-X: Mar 6 2012, 09:44 AM

CIMB got 60,000 premier card holders as reported by rockfeller, previous promo included Gold Glass at GSC where Supp cards also enjoy the 1 for 1 Free movie ticket. When I go to GSC I can get up to 3 FREE tickets previously at GSC with my wife and son having supp cards. I am sure CIMB spent quite a lot on the FREE tickets and therefore decided to abandon this promo. Actually the Gold Class FREE ticket towards the end of the last year was removed.

OCBC don't know what they got themself into by offering FREE tickets for any class, luckily for them, the promo expire mid year.

For Citibank, I guess No if you don't have any outstanding balance and did not use the card after the anniversary date. FOr me usually I cancel the card before the anniversary date so no need waste time following up if they happen to charge me.

JPJ do accept credit cards You guys can always call and ask if the nearest JPJ branch accept credit cards.

Wow! AIA accept AMEX, that is good even if it is only at Jln Ampang. Thanks for the info.

This post has been edited by Gen-X: Mar 6 2012, 08:20 PM

Great for those with AIA policies. Now ronnie can add to his thread besides Etiqa

I just published my list of top 10 credit cards, no prize for guessing which card is No.1

Evaluated 18 cards all together. Click below link to read if you agree with my list.

Malaysia Best Top 10 Credit Cards 2012 - Ultimate Showdown

Bro, I gave OCBC TMC 4 Stars for Cash Back which is 1 more than yours 2 for local spending and 2 for petrol

Well, I guess you are right as for no No.3. But how how still got 10 cards in the list, also the No.4 position coincides with the picture of my wife's card ending with No.4, haha

Wanted to put in left column too but when zoom in to read (for half blind people like me), it blocks my post.

Yah lah Chem, I also only read what you posted above where they only offer Delayed Baggage. There is no Accident or Death Benefits, Loss of Limbs, Missed Flights, Loss of Baggage, Delayed Flight and others which is offered to lower ranked SCB credit cards!

Having said the above, I still always to get a third party Travel Insurance even if my credit card that I used to buy the air tickets offers some Travel Insurance.

1. Why don't you approach the bank you have car loan with?
2. Three months pay slip very long? More like you are impatient It won't kill you to wait till April right?
3. I bit blur on your 2011 tax thingy statement. Well, if you do have income in 2011, you should be submitting your BE tax form soon, so do it today and submit to IRB and you can go apply for a credit card with it tomorrow.

wah, if I go NZ big problem for me as I don't even know a single of my credit cards pin number.

yujin86, please update us later if you manage to swipe your cards.

if your income is less than RM36K/year, max CL is 2X your monthly salary. If above RM36K/year, then you can go request whatever amount you want but subjected to the bank's approval.

This post has been edited by Gen-X: Mar 15 2012, 12:28 AM

My wife has the Citibank PremierMiles but only used it to get Freebies. Today, my wife called Citibank to request waiver for her PremierMiles coming annual fee. I was surprised that Citibank happily waived the annual fee without any conditions

Click below link to read my short post at wordpress.

Citibank PremierMiles Visa Signature Annual Fee Waiver

Most credit card issuers nowadays offer to absorb the 1st year RM50GST. And for your information, all the bank staff are pressured to get new customers for credit cards. And the UOB One Card is great for petrol up to RM600 and that is about it. You only earn miserable 0.3% for general transactions. Not only that, they have new stupid requirement in order to get annual fee waived, need to swipe 60 times a year! Got to waste time calling UOB to request for annual fee waiver. Click here to read my article - UOB Credit Card - Why You Force Me To Beg You?

To All: I just posted a new update on Maybank Credit Card Promotions and Benefits 2012.

This post has been edited by Gen-X: Mar 23 2012, 09:39 AM

Thank you Sir for the feedback

Focus is like a positive word and just does not sounds right when referring to loans. Focus on how to make more money so no need loan from credit card more appropriate

And what is so good about the SCB Cheque On Call? Interest rate? Any upfront fees? Duration?

haha, no wonder they agreed to "waive" it.

Bro, got lah, OCBC, that is if you spend minimum RM10K a year with their credit cards.

Above was mentioned here some time back in February/March. Besides AmBank, Citibank and HSBC also raised the late payment penalty fee. I also posted a short posts at my wordpress blog where I gave link to the respective banks site in new interest rates and late penalty charges.

AmBank, Citibank and Hong Leong Bank Raised Outstanding Balance Interest rates.

HSBC is also hiking Outstanding Balance Interest Rates.

** Edited **

Just published an article on LV wallets for my wife and my credit cards. To see what cards I carry all the time, click on below link.

Louis Vuitton Wallet for My Credit Cards and Wife's too.

This post has been edited by Gen-X: Apr 3 2012, 08:52 AM

+1

Anyway for those of us who don't have outstanding balance, if accidentally pay late or because of technical error, it will be waived anyway, at least for my case where I often forget to sign my cheques on something to do with the date

Called MBB CS to let them know my son using his card overseas for a substantial transaction. While on the line, I ask what if I wanted increase in Permanent Credit Limit, was told in view of BNM guideline effective 1st January 2012, I need to submit 3 months proof of income - habis I, hahaha

This post has been edited by Gen-X: Apr 5 2012, 11:52 AM