speaking of post counts, some of the forumers (even some regulars) like to post consecutive posts.

They achieved this by ticking Do not combine with previous post? when they make their 2nd (or even 3rd) post.

This is against Lowyat forum rules, thus I hope the ones who do it are now aware and will refrain from it in the future.

I have not made any reports, but will start doing so in the future.

I am just highlighting how my interpretation of the rules are. If the mods here as well as the staff members are OK with it, I shall rest my peace.

Sadly the Finance, Business and Investment House threads have seen its fair share of post count hunters (i recall that scammer from last year..... name escapes me)

supplementary cards should under your M2U..
if you click the M2U link for your card/.. where they show the summary (i.e credit limit, current amount, statement amount, etc.), there should be a link at the bottom for supplementary card spend

if i recall correctly, payment is to your own CC number (it is accumulated). You can call CS to be sure or ask anyone who (still) have a supp card

just to clear 5x TP everyday is for Maybank2 Amex only. Other types of Amex is not 5x points.

@GunMetalX

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I thought they don't inform you... unless I am wrong. Did any of the winners so far get advanced notification from Maybank?

I certainly don't recall anyone announcing they won until they got credit in their statemeents this month (which is abt 2 months later?).

actually 12 noon malaysian time = 12 am MONDAY US time for the east coast.

Best time to use paypal is Actually Malaysian 12 pm - 1pm SUNDAY. Cause it most places in the world it would be a weeked (Either a Saturday or a Sunday)

to be honest only 4 major ones

http://www.timetemperature.com/tzus/time_zone.shtml

And most of the time it would either be PST or EST. I always assume EST cause that is the worse case scenario.

My experience is it charged according to the local time of the merchant, not paypal. If he buys from a US company on the east coast., can expect it to be Monday. i.e. u buy from a UK company, the charge on the card shows GB for great brit.

payment does not impact your 5% rebate as it is tied to the transactions' date. Regardless of when you pay, On the 1st of the month (sometimes 2nd) there will be a credit in your card for the previous month's rebate. If you fully paid near the end of the month, your acct will show -ve credit (i.e overpay)

yes capped @ RM50

Did you consider the forex rate differences?

ah you paid in RM? Then it doesn't matter. Though Amex cannot be used to pay an RM bill on paypal.

If it is in a different currency the extra 1% forex rate from Amex rate will really make Amex bring in less savings than Visa/MC

1) weekdays (RM)
MBB2 Amex - eff 2.5%
Visa/MC - eff 6.5% (normal). eff 7% (2x pts if considered overseas - plats only)
VI - eff 7% (2x pts), 8.5% (5x if considered overseas)

2) weekends (RM)
MBB2 Amex - eff 7.5%
Visa/MC - eff 6.5% (normal). eff 7% (2x pts if considered overseas - plats only)
VI - eff 7% (2x pts), 8.5% (5x if considered overseas)

3) weekdays (forex)
MBB2 Amex (2.5% forex rate) - eff 0%
Visa/MC (1.25% forex rate) - eff 5.25% (normal). eff 5.75% (2x pts if considered overseas - plats only)
VI (1.25% forex rate)- eff 7.25% (5x overseas)

4) weekends (forex)
MBB2 Amex (2.5% forex rate)- eff 5%
Visa/MC (1.25% forex rate) - eff 5.25% (normal). eff 5.75% (2x pts if considered overseas - plats only)
VI (1.25% forex rate)- eff 7.25% (5x overseas)

So Amex only comes top in one type of transaction vs a normal Visa/MC up to plat level. Assuming MC/Visa 6% discount on Agoda

This post has been edited by zenquix: Sep 16 2012, 09:47 PM

i dislike paying in RM on Agoda.. (though they seems to force the option). They offer very poor forex rates compared to booking in the local currency.

if you do credit card linking in paypal, only Visa/MC can be used to pay for transactions in RM.

This post has been edited by zenquix: Sep 16 2012, 10:13 PM

means they only process on weekdays

that is pre-authorization

there is a new MBB Card centre at gardens. Not too sure of the speed tho.

iirc it is the 1st floor on the Robinson side

do note that the moment u start carrying a balance, all new transactions will get charged interest as well. Only way to avoid this is
1) pay the balance in full
2) stop using the card until the balance is cleared

I suggest you complain and get Dell to reverse the charge. And charge you the correct EPP.

CC Interest is charged on a daily basis.

As per your example, from 27 Sept onwards once it is clear you did not fully settle the balance, you get charged interest from the very first transaction date in the statement. Assuming you have no transactions prior to the laptop purchase, all transactions from 22/8/2012 will be charged interest. And this will continue for all new transactions until you have settled the entire balance in the card.

depending on your rate, it will most likely be 18%/365 on the entire balance to date, looking at it daily.

Thus doing a +200 -200 is not going to save you any interest unless you pay down the card on the transaction date itself, i.e. use RM200 on 09/10/2012, pay RM200 on 09/10/2012

it is miscommunication if they insist they cannot do a reversal.

Unless you get a black and white from Dell committing that they will cover ALL interest charges including for all your other transactions, I would file a dispute with the bank as a wrongful charge and make a very big fuss about it via Dell customer service, Facebook etc.

Any interest rate calculator should be ok (like the AKPK one) as those make assumptions that you do not add on to the debt (balance)

ah good idea.. ezypay plus i think it is called.