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

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Human Nature
post Feb 27 2012, 10:39 PM

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QUOTE(Phelddagriff @ Feb 27 2012, 10:10 PM)
Wow, someone's sure into self-promotion today!
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Do take some time reading the write-ups and you will understand their values. They have been very beneficial to many readers in this cc section smile.gif

This post has been edited by Human Nature: Feb 28 2012, 12:34 AM
Human Nature
post Mar 5 2012, 07:34 PM

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QUOTE(Gen-X @ Mar 5 2012, 06:42 PM)
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 smile.gif

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  tongue.gif
HSBC Premier World MasterCard and Visa Signature Benefits 2012.ate
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HSBC could have at least bundled 1 free access to lounge doh.gif
Human Nature
post Mar 6 2012, 11:59 AM

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QUOTE(Gen-X @ Mar 6 2012, 09:32 AM)
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.
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Interesting to note that CIMB VS has removed its complimentary GSC ticket as one of its signature rewards.
Human Nature
post Mar 6 2012, 02:33 PM

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QUOTE(ben83 @ Mar 6 2012, 02:04 PM)
It is me who called CIMB CS head (& indirectly to their marketing team) early January and reminded them to remove the misleading term "10 Signature Rewards" but only listed 9 type of rewards (instead of 10, since the complimentary GSC ticket reward is taken out)
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What was the reply? Still written 10 signature rewards on its website blink.gif
Human Nature
post Mar 6 2012, 05:15 PM

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WEMC ~ VI
WMC ~ VS
?
Human Nature
post Mar 9 2012, 12:03 AM

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QUOTE(Gen-X @ Mar 8 2012, 11:38 PM)
I just published my list of top 10 credit cards, no prize for guessing which card is No.1  tongue.gif

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
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Good rating overall but you need to give 3 stars to OCBC Ti for cashback! tongue.gif
There is a tie for number 2 spot, so there should be no number 3 right?

p/s the new right column is a neat idea

This post has been edited by Human Nature: Mar 9 2012, 12:05 AM
Human Nature
post Mar 12 2012, 01:00 PM

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QUOTE(TearsRainzz @ Mar 12 2012, 11:32 AM)
I dont know is it correct to ask here, but how does the cash rebate of CC works?

Okay, let say i pump Rm100 petrol, rebate of my CC is 5%. So it means i only pay RM95 or i pay RM100 but i can get RM5 cash back?
And if so, how do i get the RM5? in cash or transfer to my account?

Thank you
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rebate meaning you will still have to pay RM100, and RM5 or 5% will be 'rebated' to your account later at the end of the month or statement date depending on the tyoe of card.
Human Nature
post Mar 19 2012, 11:26 PM

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QUOTE(yvonnesoo @ Mar 19 2012, 10:58 PM)
would like to ask whether can we cancel the cc if there still outstanding balance on the card? need to settle full amt or repay the bank monthly?

since BN implement those below 36k to haf only max 2 cards and those that haf over 2 cards haf to cancel the card and given max of 2 yrs of grace period to repay the bank?? i wonder is tis really implement on every bank?

if yes, so the monthly repayment will be charge by interest or interest free? i doubt those bank will give interest free repayment lor.. tongue.gif
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Yes, you can cancel the card.

According to the statement by BNM, card issuers will engage with the affected cardholders to assist them in restructuring their repayments to facilitate the smooth implementation of this measure. In addition, cardholders can also seek the assistance of Agensi Kaunseling dan Pengurusan Kredit (AKPK) for advice on their debt management.

So to clear your doubt, it is better for you refer to bank itself on this matter.

Free interest repayment? Can go on dreaming LoL.
Human Nature
post Mar 22 2012, 10:36 PM

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QUOTE(nyunyu @ Mar 22 2012, 10:16 PM)
Guys, I went to sign my housing loan with UOB today and was asked if I want to apply for UOB one card as well and so I did.

Just curious, is this card good? Oh, they waived the RM50 until the end of March which is the reason I took the offer.
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what it means by until end of march?

more info on the card here, seems quite hot
http://forum.lowyat.net/topic/1922946
Human Nature
post Mar 24 2012, 09:05 PM

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I come across this feature for Hong Leong Plat Business card.

QUOTE
Interest Free Credit Period Up to 60 days.
Stretch your finances further with a longer credit period of up to 60 days absolutely interest free for all retail transactions.


Meaning due date is 60 days from statement date right.


Human Nature
post Mar 28 2012, 04:54 PM

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QUOTE(maru @ Mar 28 2012, 04:37 PM)
Hi guys,

wanted to apply another CC but dont know which one is good....can recommend me?

i got

HSBC amanah plat
MBB Amex
HLB Essential
Citibank Giant/clear/cash back

looking for another card which give me some good benefits, my annual less than 60k
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Post here for recommendation:
http://forum.lowyat.net/topic/1973206/+1260
Human Nature
post Mar 28 2012, 05:57 PM

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QUOTE(den @ Mar 28 2012, 05:32 PM)
As a consumer, what is your personal opinion? Thanks.
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You may wanna read this comment from Hye:
http://forum.lowyat.net/index.php?showtopi...post&p=48802111

This post has been edited by Human Nature: Mar 28 2012, 06:03 PM
Human Nature
post Apr 6 2012, 02:36 PM

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For CIMB, there will be in lien charges of RM5 per RM1000 Credit Limit pledged. But maybe they treat their Preferred customers differently.
Human Nature
post Apr 12 2012, 11:30 PM

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QUOTE(rockasd @ Apr 12 2012, 10:50 PM)
i have apply credit card CMB, after few weeks no news from them. so i decided to apply CC at another bank. I would like to ask:

1) if cimb suddendly approve my application and i would like to cancel it due to late response. Do they charge me for anything or do i require to paid anything?
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you will have to pay the RM50 GST. if you dont want the CIMB card, just cancel the application before it is being approved.

This post has been edited by Human Nature: Apr 12 2012, 11:31 PM
Human Nature
post Apr 19 2012, 09:32 AM

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And yet he dare to paste it here at lowyat.
Human Nature
post Apr 21 2012, 03:46 PM

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Would like to ask if CC is accepted over the counter for passport renewal. Thanks

add: not possible, well they should doh.gif

This post has been edited by Human Nature: Apr 21 2012, 04:24 PM
Human Nature
post Apr 21 2012, 10:53 PM

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Wanted to do it at Melaka but Hye pointed out, they dont accept CC. Went to check out their online system as suggested by alexwsk, they do accept visa/mc but dont want to take risk as the payment will be forfeited if there is an error or problem sweat.gif Cash all the way I guess. Thanks guys
Human Nature
post Apr 21 2012, 11:06 PM

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QUOTE(alexwsk @ Apr 21 2012, 10:58 PM)
haha, dun worry too much
i just renewed mine 2 weeks ago, after submitted can collect after 2 hours
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unable to convince the old folks laugh.gif
Human Nature
post Apr 22 2012, 11:08 AM

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QUOTE(alexwsk @ Apr 22 2012, 09:10 AM)
well, if they make me really mad, i'll buy the same item using cash
then submit both receipts to complain them  tongue.gif
Haha, that is one good way to show the discrepancy
Human Nature
post Apr 24 2012, 11:37 AM

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QUOTE(Gen-X @ Apr 24 2012, 11:22 AM)
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
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Conversion to parkson voucher is worth it! I was told that when you make payment using vouchers during bonuslink day, you will not receive the 5x or 10x bonuslink points. It doesn't make any sense, so you might wanna ask the cashier about this.

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