might want to make note of the inpending interest rates and fees changes

looks like banks will have a free hand to set the interest rates they want
http://www.hsbc.com.my/1/PA_1_1_S5/content...rges_notice.pdf

You need to read your term and conditions. Most banks charge a penalty for clearing the installments at one-go.

apply for temporary credit limit increase. than call in to renew before it expire

not sure. I asked for ~1 month and kept it rolling for another 2 months before

CIMB had a smart 0% flexi plan for medical bills. Supposedly expired last year but you can call in to enquire whether it is still valid.

http://www.cimbbank.com.my/index.php?ch=43...&bb=7553&tpt=da

of course. especially if you have transactions. even if you did not use it, if you paid for last month's bill. there will a transaction (payment) on the statement

you need a credit history. HSBC is also quite picky

surprising as i thought MBB advertised epicentre as one of their preferred Apple vendors. (recall some brochures together with the statement). bet they won't be so preferred after this.

you do realise even if you find one, it is considered cash advance?

Is this is an online merchant?

if your website does not use Verified By Visa and Mastercard Securecode, the banks will likely keep blocking once in a while.

There were post that MBB blocks Amex from being used on websites like AirAsia (which is certainly not a "untrusted" site) as there is no additional layer of online verification for that type of card.

Note: sometimes the sites themselves blocks Malaysian cards. HK MRT is one example that comes to mind. Malaysian cards are flagged as high risk.

the other cash back cards are Alliance and Hong Leong. you might consider those

there is no interest free period if you are already carrying a balance. Interest free only if you settle statement balance every month

iirc hsbc is one of the banks more difficult to get. try another bank

no one here can answer you as they do not work in the HSBC processing dept. we can only share past experiences. I doubt even HSBC CS can answer you if you call in.

i managed to transfer my MBB ezypay to a new card from an older one

it's a normal buy and sell transaction. Paying in forex always cost more than getting forex. (look at forex rates)

since it is a reversal, you contact your bank whether they will refund the difference (because no actual money changed hands). I had 2 cases, and the banks did refund without issue.

Note: you must have a transaction for AUD X and a then a refund/reversal for the same AUD X amount so that the CS can see it right away

no need to write. Can straight call CS

y don't you use your overseas card? Unless you have relocated back to Malaysia...

if I understand your question correctly, you only need to pay the full amount as of the statement date (06/06/2012) by 26/06/2012 to avoid late payment fees and interest charges.

Any transaction after 06/06/2012 will be captured in the 06/07/2012 statement and is interest-free till 26/07/2012 as long as you settled the full statement balance of 06/06/2012 by 26/06/2012.