hi all,

i know the min. income requirement is RM36k, however is it necessary for the basic income to be min. RM3k?

Surprisingly, u had enormous amount of phone bills, utilities and groceries user which amount to over RM 1,000.
I think u came from big family, sorry dude!

BTW, dining at restaurants is not considered as commitment. It is regarded as spending and it is avoidable.

This post has been edited by Denis: Jun 16 2012, 09:07 AM

Dude, they are other expenses not in the 5% button 1% which is essential in life.

Insurance, normal family outings, car service and maintenance, bla bla bla. Even dining or outing once in awhile with partner and family is understandable.

Not to mention, some of us might help to pay for utility for parents, sibling, spouse and so on.

Perhaps u never did those, not even occasion outing, staying in ur cave. Or u r foreveralone or a introvert, caring not on other ppl in ur life.

No wonder u cannot grasp the concept of using cc to save money. Go on. Pls continue using cash. Peace.

This post has been edited by Denis: Jun 16 2012, 09:22 AM

So your post was meant to be sarcastic? Lol.

Who is sarcastism? I m just answering you accused which is not true to me.

On the other hand, I found out that your post #348 seems sarcastism.
Quote below for your own reference:-

I have given 8 supplementary cards to my mum, brothers and sisters, I am caring my family, can u,dude???
You want details?
Maybank2lKard ---->6cards to mum, brother, sister.
HCBC----> 2 cards to brother & sister.
Not boosing, dude!


U never realise that I have 7 credit cards together and all of them bring me max usage.
You want details:-
OCBC Titanuim
MAYBANK2KARD Platium
MBF-Platinum
HSBC- Mastercard & Visa -Gold
SCB Biz Platinum
HLB Platinum
CIMB Petronas

Peace, dude!
LOLLLL

Read carefully before answer, DUDE!!!!!!

This post has been edited by Denis: Jun 16 2012, 11:47 AM

Ok, example: in one household, TNB 400-500, TM Streamyx 180-200, FAMILY CELCOM & MAXIS 500-600, WATER 20-50, IWK 20, ASTRO 150.
That would easily cost RM1000. You do not have such commitment perhaps your dad and mom pay it for you.

So your CC would just use for petrol, dining, shopping, redbox, etc.

I rarely shopping.

Petrol i will fill on weekend via MBB2 AMEX, the overflow of 1k all charge to MBB MASTERCARD.

i paid mine using m2u interbank giro. as i have Basic Saving Account that allowed me to do the transaction with only RM0.50 per giro transfer, limited to twice RM0.50 transaction per month, the 3rd transaction will be RM2 in general.

Just giro to the account number of your credit card number 16 digits then you're good to go

Peace

any b&w for this 50sen giro charges? maybank charge me RM2 last month for paying a 3k+ titanium cc bill.

You need to check out which saving account that you are holding. The fee differs.
http://forum.lowyat.net/topic/1985221
http://www.maybank2u.com.my/mbb_info/m2u/p...al/ACC-Accounts

Sorry to disappointing u, I already moved out and have my own family.
So, your assumption "perhaps" is not right.



This post has been edited by Denis: Jun 16 2012, 03:50 PM

actually all spent should go to MBB Amex when possible (even after 1k) as it is still 5x points while the mastercard is only 1x.

Kawan kawan.. ask noob question. Any idea how to change your TAC phone number besides walking in the branch? :swt:

not sure but...maybe try with ATM?

I have tried twice, seem online purchase through MilkADeal give us 5% rebate. Transaction Description on the statement is :

NETBUILDER EC-ECOM SELANGOR MYS

promotion kiosk at the Curve still on?? last time got rejected by OCBC b4 for no reason.. duno still can apply or not..

dining related ?

A phone-holder (spider shape) and a Bowl for kids.

Can you call up the OCBC CS to ask for the MCC code for the 2 transaction your made at MilkADeal ?