just wanted to drop by and a say hi.. Gen X, you rock !. Nice 2013 article you wrote !.

I had a phobia over credit cards due to bad habits which took a long painful process to recover. i was with a single SCB card for the last 4yrs. No more being silly financially. . All u need is a hard fall but it also makes you too timid to try out new things.

Just last Sep, i read Gen X blog, and was thinking "walau-eh !.. got people like this also". It did not take long to "poison" me, I had a 60k transaction which I thought of out getting points, so I pre-credited my SCB and got the 60K points. Unfortunately, as reviewed by Gen X, the new SCB points revisions totally smashed my smiling face. So heart breaking but there is nothing I can do about it. I may have deserved it coz I bragged about it too much and did not quickly claim as I thought the new 2013 points will be better. . Bye bye SCB !.

On Oct 12, My banker adviced me to take the OCBC Titanium and I was so fussy over the RM50 GST. But by wisely spending AND PAYING BACK on time, today I am RM150(overpaid) from rebates.

2 days ago, I went over to Gardens Maybank Card Center and got my MBB 2 Card within 2hrs. Already reading and "strategizing" my moves. Hopefully I can make it !..

Again.. kudos to all here.. awesome work.. happy new year all !..

This post has been edited by xbotzz: Jan 11 2013, 11:56 AM

I think singdreams would have heard again and again about bad cc usage. I am not pointing at anyone but all I can say is that, I was stupid and time can never be turned back. I was in a hole (1cc), then balance transfer another bigger hole (2cc) and then tried to Personal Loan to pay both cc. Did not take much till i got both my cc maxed again with a Personal Loan. Always minimum payment, and I do not bother about the interest cause I do not want to know. Today I feel very stupid. If only I spent those hours, looking for property or jumping on a market bull run.

When I wanted to get married, then I realised, not only I do not have savings but I kinda owe 30K over. Kinda hit me badly went I was made to leave my comfortable home and rent for myself. This time sat down took a good Personal Loan, paid all three up, CUT (REALLY CUT) the darns cc, pay fines to the SCB blood sucking Personal Loan and pay my single PL up(if can double/triple pay during bonuses). After 5yrs settle jor.

haha, dunno if my history helps, coz at that time I was so deaf to any advice. Hope singdreams do not go any deeper. Its not worth it.

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Thanks cute_boboi for the MBB-2 thread, ill start reading about it now. V6 dy.. lots of catching up to study..

thanks again all, awesome people here.. cheers

Hi Gen X.. Welcome back.

So sorry to hear about ya blog. My friends and I use them as our credit card bible page. We went lost for a bit when it was removed. Can your fans write in as support for you to Google? What I get is that Google thought its some automated update and classified it as spam. The good side to this is your eyes can take a break from the constant reading and blogging.

Eventually we have to be stopped being spoonfed and venture on our own. I roughly got the style of your cc assessment techniques and tried it on my own. Just applied for the new HLB Wise CC.

Take care and rest well.. Im pretty sure a lot will appreciate the financial awareness you share in your blog. Thanks.

Hi all, 1 question..

If I am in a spot where i cant use my 5% Titanium rebate and Amex rebate.. I have to choose between OCBC 1% or Maybank2card Visa (I think its 2xTP)... which will you go for ?..

saying the transaction is RM100..

Thanks.

morning, I have a question.. hope someone can help or point me to the right thread..

i manage to find one esso station that allows top-up of touch and go with a 1% charge. which rebate cards works inside the petrol mart as well ?. Ill try with my AMEX first, but I am wondering if ocbc ti get 5% when used inside.

thanks.. not all petronas will do this.. which petronas did you manage to charge up with CC ?..
As ronnie said, I will need to try out at the ESSO and later call the CS up to check on the MCC code..

I just topup rm100 + rm1 for tng at petron before cyberjaya toll heading towards puchong using mbb amex...