Gen-X,

Perhaps for the ranking, you can include weightings for each features/benefits (up to you on the weightage) and come up with some sort of total score.

What kind of good benefits are you expecting ?

What are your spending pattern / location ?

Each CC have its pros and cons. If you can provide more info, the seniors here can give recommendations.

e.g.
- I like to watch movies at TGV/GSC/Cathay/MBO/etc.
- I like to drink at Coffee Bean/Starbucks/Old town/....
- I like to eat at hotel buffet
- I like to eat at Restaurant such as xxx, yyy, zzz ?
- I like shopping at Coach, Burberry, Jimmy Choo, or Parkson/Jusco/Metrojaya or Hang Ten/Levi's/Baleno/... ?
- I like to pump Petronas/Shell/no care
- I fly a lot overseas and pay for flight/hotel/etc.
- etc.
- ...

The person should read the GGC thread (Genting/Guerilla Gamblers Club).
Some topics back (last year), there was the Genting Premium Programme for 3k/6k NN chips.
You need to swipe the CC at the correct booth, it was stated in that thread.
If swipe at wrong booth/cashier, it is consider as cash advance.

Nowadays, not sure still available or not.

Mine is worse. When KFC shifted to the other end of KLCC, for the first few months, they claim "machine ada, signal tak ada".

But my h/p also no signal inside KFC at that time I think now the signal already covered, but I never eat KFC after that, got cheated of my 5% and KFC customer line says they can't do anything.

I encountered this with MBB CC many many years ago in early 2000's

Let's say CL = 5k
I used up 2k, balance 3k CL

Check in hotel, pre-deposit/authorise ~500 (after currency conversion) at hotel reception.
Theoretical CL balance = 3k-500 = 2.5k

Check out time, need to swipe 2.7k. Cannot go through.
Finally have to call bank for temporary CL increase to swipe.

But checking online same day, the CL used is 2k + 2.7k = 4.7k only.
Yet my CL was temporary increased to 5.5-6k.

Not sure about latest calculation. But I suppose it may still be the same.

Use eraser to lightly rub it. You may need to press harder, up to certain pressure, yet not to spoil the chip.

Otherwise, just call/log a case with CC CS and tell them, chip cannot read, how to use ?

Call bank first, IMMEDIATELY. Give MyKad number is sufficient to block the cards.
Write down the date & time you call, the person name you talk to, ask them to tell you back the card number (for police report), etc.

Proceed to police station immediately after that.

From the place to use Amex thread, someone mention cannot use Amex at Tung Shin. This gives me a running thought:

Assume a person, named X, has credit card (CC).
He has no other savings (unknown to hospital, right ?).
He has no other assets also.

One day, he is sick, he checks in to hospital, swipe 5k deposit. Do you need signature here ?
The next day, X passed away.
Assume the hospital has already spend 3k expenses so far and invoice him.

No one signs the 3k invoice.

(1) How does the hospital claim the 3k ? Or use the 5k (with/without signature) ? Or write-off ?

(2) When the bank knows the person passed away, will the bank still pay the merchant (hospital) ?

(3) Chase from parents/siblings/children ? I think this is not valid.

Any other comments for open discussion ?

1. Hospital I'm not sure. But for hotel deposits, I recall not all of them require my signature.
(a) So, if there is no signature, hospital can't claim from bank, correct ?
(b) So, if there is signature, hospital can claim from bank.

2. I recall many years ago, when someone passed away, the banks will freeze all the accounts, FD, etc. even if it is joint-name, when the bank found out if the person passed away. That is my curiosity on legality between bank and merchant (hospital).

3. I understand the estate, that can be anything under the person's name/ownership. That is why my case above is to assume no other claimable cash or assets.
Well, some families are poor enough, that may not be able to settle the 3k/5k/10k/etc hospital bill. Don't say rest-in-peace, the family may not earn enough to live-in-peace at the moment also

I recall no PIN.

First trouble when land at Melbourne near midnight. Everything closed like ghost town. Need to purchase bus-shuttle ticket to Southern Cross Station, friend staying nearby walking distance only.
Only can buy bus ticket using CC Slot in Visa, ask for PIN.
I forgot how, but a friendly chap come over to help us, and skip entering the PIN.
It works.

For MBB, I can cancel my card (no more fee or GST) , but the account is still valid. I've to keep paying for the EPP every month.
For MBB, they say can't transfer the EPP from my ex-Visa to the new-Visa. I asked at MBB 1U Card Centre, and 2-3 of their CS verify in the system (they very free that time).

You may want to verify again with Ambank.

Just go settle all outstanding payment except the RM50 GST (cash deposit takes effect immediately or 1 day after).
Then call us CS and request termination. See what they say, as it is slightly subjective depends on case by case. Normally should not be an issue to cancel.

Remember to write down the date & time you call, and the name of the CS.

I concur. Similiar like housing mortgage loan thread here, where agents can post their notices there, and anyone can apply, request or report there, if they prefer to trust someone online (or not).

Mod can help track dupes and post it up also.

You can't fault the CS. CS has limited rights & access using their system.
Of course you should be happy they do not have too much access, otherwise they can find out how much you have, where you live and start to stalk/kidnap/rob you.

Unless you mean is premier banking or you are special VIP customers where they address by your name when pick up your calls.

I understand your issue.

There will be skeleton staff for CS, especially during long/big public holidays.

You can actually ask to escalate / pass the call to supervisor/manager on duty, but there maybe none during holidays. However, that does not guarantee the seniors will have access permission for your info as well.

That is why I feel those working as CC CS also quite pity them sometimes. Pickup call, immediate get shoot non-stop by customer. Even though is not their fault, but is the bank/finance or other department/people's fault. Then they have insufficient access/permission, cannot do this or that, get shoot again.
So they lodge a case and escalate up, but upper people if don't do work, people call in, scold CS again.

Here it is, kiddo



Spooning him, TGIF

BTW, Diners Club do have Credit & Charge card now In a way, it is 50% in correct thread.

This post has been edited by cute_boboi: Aug 24 2012, 02:12 PM

Frankly, IMHO, I don't suggest to apply CC just to do cash advance withdrawal. Similiar as what others here have posted. We recommend on positive usage of CC, not negative. I can read several of the seniors are already very kind and polite replying you (even several times), I'm surprise, as normally they are quite harsh (heat up ) when hear about cash advance

Bear in mind, the application for CC, will have credit-check, similiar like personal loan application.
So far (based on what I read), no one mention about your payment history for personal loan, I hope you paid promptly each month, otherwise, your credit rating in CCRIS & CTOS may not be perfect.

Therefore, if your credit rating is not perfect, you will have the same difficulty in applying personal loan or credit card. See the pic ?

However, if you don't have credit rating problem, then might as well go apply for a 5k personal loan at banks (not govt or BSN) at lower interest rate than cash advance from CC.
Plucking from the sky, a personal loan maybe charging 8-10%, but CC cash advance is like... 18% ? (someone may want to post the actual figure here, I don't follow on the %)

OOT about your Wira. It's still a decent car, I'll suggest you to:
1) Change to stiffer & higher suspension and absorber. May compromise the ride but will be good enough for some estate run and carry heavy stuff, especially in Sabah. Of course, the ideal/best will be to get a 4WD, but need to see pocket also, right ? Cost of 4WD maintenance will be higher also.
2) Make sure Wira no engine oil leak, otherwise do top overhaul, change gasket and can last another 3-5 years.
3) Other than that, it is quite a lasting car, with regular service/replace on wear and tear like brakes, etc.

I suggest to wait 2-3 years after marriage, stable down, if got baby or not, before re-visiting the idea of changing new car.

Few years ago, I forgot to sign my CC for several months.
One cashier ask me, and I sign the back of the CC in front of her, then sign the receipt

Best and recommended financing method by forumers here:
- Have 2.5k cash already ready.
- swipe 2.5k, if Amex at weekend.
- when bill comes, pay 2.5k settle all.

2nd best - convert to 0% installment
- 6/12 months
- every month pay full amount of the installment.

dan lain lain (not recommended )
* >0% installment/ezypay or with admin charges
* minimum payment monthly

How auto-billing (if subscribe from CC) works:
- telco backend system calculate your month-end bill.
- at another date, can be any date, CC (Bank) will request for latest bill amount from telco. Not just you only, can be total of 10k or 100k of people who opt to auto-pay.
- telco submit bulk data to CC
- CC charge based on the bill-amount printed, i.e. rm147 in your case.

How auto-billing (if subscribe direct from vendor/telco) works:
- telco backend system calculate your month-end bill.
- at any date after that, telco will submit the bill-amount to CC (Bank) to charge that amount. Also, again, not for you only, can be for 10k or 100k people who subscribe auto-pay through vendor.
- bank do back-end processing, and release amount to telco

In your case, as state by hye, either you cancel auto-pay and ensure you pay yourself every month on weekend.

Since you overpay -147, if next month your bill charges is 148, then your chargeable bill will be RM1.
Hence on Nov 23rd, CC will auto-deduct RM1 for the bill.

Depends on bank and their practises. You can cancel by calling up the CS. But before that, must settle all outstanding payment.
Also, remember to write down the details if the cancellation is done:
- CS name
- date & time of call
- etc.
Keep that paper safe for 3/5/7 years, just in case the bank says you never cancel your card before.