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Credit Cards AEON Credit Cards, By AEON Credit Services

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TSronnie
post Mar 20 2014, 10:40 AM

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QUOTE(herc @ Mar 20 2014, 08:35 AM)
I not sure is it only me or apply to other too.

Aeon Watami does not listed in my CCRIS record, got it since Dec 2013. I have card that is newer and already in the list.
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Another "plus point" to apply AEON Credit Cards
victorywp
post Mar 20 2014, 11:28 AM

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QUOTE(herc @ Mar 20 2014, 08:35 AM)
I not sure is it only me or apply to other too.

Aeon Watami does not listed in my CCRIS record, got it since Dec 2013. I have card that is newer and already in the list.
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QUOTE(ronnie @ Mar 20 2014, 10:40 AM)
Another "plus point" to apply AEON Credit Cards
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wow... means all aeon cc will not be listed in ccris? that's great! rclxms.gif
edwardccg
post Mar 20 2014, 01:30 PM

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QUOTE(DarReNz @ Mar 20 2014, 07:57 AM)
guys i've got the refund amount on my scb account and a reply from aeon
Regret to inform currently payment option via Inter Bank Giro and Internet payment is not extended to AEON Watami Visa Card. We truly regret the inconveniences experienced by your good self. Nevertheless our management is currently in the midst of upgrading the payment channel option to meet the needs and expectations of our discerning and esteemed customers like your goodself.
The best way now is transfer IBG to Maybank and use the bill payment option to pay
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If you have cimb, i think best way is transfer to cimb then pay.
Only charged 60 sens by cimb
sj0217
post Mar 20 2014, 01:30 PM

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QUOTE(victorywp @ Mar 20 2014, 11:28 AM)
wow... means all aeon cc will not be listed in ccris? that's great!  rclxms.gif
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Why say so this is great?? May I known any benefit that not to be listed in ccris??
DarReNz
post Mar 20 2014, 01:55 PM

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QUOTE(edwardccg @ Mar 20 2014, 01:30 PM)
If you have cimb, i think best way is transfer to cimb then pay.
Only charged 60 sens by cimb
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oh yeah i still have an unused cimb account rclxms.gif
kelvinlzy
post Mar 20 2014, 02:55 PM

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QUOTE(sj0217 @ Mar 20 2014, 01:30 PM)
Why say so this is great?? May I known any benefit that not to be listed in ccris??
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For those who earn less than 36k a year can apply for AEON CC for their 3rd credit card perhaps?
tifosi
post Mar 20 2014, 03:06 PM

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QUOTE(sj0217 @ Mar 20 2014, 01:30 PM)
Why say so this is great?? May I known any benefit that not to be listed in ccris??
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It's great because I can leverage more. For example, if I balance transfer 20K on a normal credit card, it will appear in the CCRIS that I have 20K outstanding in debts. 20K debts will reduce your borrowing ability by about RM 200K.

So, if you want to purchase a house, imagine you could not borrow the intended amount because it's listed in your CCRIS that you have RM 20K outstanding in your credit card account.
victorywp
post Mar 20 2014, 03:10 PM

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QUOTE(sj0217 @ Mar 20 2014, 01:30 PM)
Why say so this is great?? May I known any benefit that not to be listed in ccris??
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1) just in case you were unable to pay your aeon cc debts, it won't affect your ccris = no blacklist
2) aeon cc won't use up the available capacity of taking loans under your name, so you can get more cc/loans amount from any other banks
victorywp
post Mar 20 2014, 03:15 PM

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QUOTE(kelvinlzy @ Mar 20 2014, 02:55 PM)
For those who earn less than 36k a year can apply for AEON CC for their 3rd credit card perhaps?
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i think should say aeon cc for the 2nd cc and another bank for the 3rd cc.
bcs if you already have 2 cc with the lower annual income, perhaps aeon will not approve your 3rd already.
however, if aeon is your 2nd cc, the 3rd bank will not know you already have 2 cc earlier (since it's not shown in ccris) and so will approve your 3rd cc, thinking it will be your 2nd cc. laugh.gif
kelvinlzy
post Mar 20 2014, 03:27 PM

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QUOTE(victorywp @ Mar 20 2014, 03:15 PM)
i think should say aeon cc for the 2nd cc and another bank for the 3rd cc.
bcs if you already have 2 cc with the lower annual income, perhaps aeon will not approve your 3rd already.
however, if aeon is your 2nd cc, the 3rd bank will not know you already have 2 cc earlier (since it's not shown in ccris) and so will approve your 3rd cc, thinking it will be your 2nd cc.  laugh.gif
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Yeah. That's what i meant. Your version is much clearer. thumbup.gif
lamode
post Mar 20 2014, 03:44 PM

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QUOTE(lamode @ Mar 14 2014, 04:50 PM)
03 March - Applied CC
14 March - Received Verification call  shocking.gif  shakehead.gif  sweat.gif
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17 March - Went to branch to check, still processing.
20 March - Called CS, the card is approved, but not yet send out doh.gif

I think I can only collect next week
sj0217
post Mar 20 2014, 09:18 PM

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QUOTE(tifosi @ Mar 20 2014, 03:06 PM)
It's great because I can leverage more. For example, if I balance transfer 20K on a normal credit card, it will appear in the CCRIS that I have 20K outstanding in debts. 20K debts will reduce your borrowing ability by about RM 200K.

So, if you want to purchase a house, imagine you could not borrow the intended amount because it's listed in your CCRIS that you have RM 20K outstanding in your credit card account.
*
QUOTE(victorywp @ Mar 20 2014, 03:10 PM)
1) just in case you were unable to pay your aeon cc debts, it won't affect your ccris = no blacklist
2) aeon cc won't use up the available capacity of taking loans under your name, so you can get more cc/loans amount from any other banks
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Okay, I get it. No wonder you guys said great to know it.

Thanks for sharing ya... notworthy.gif
wan7075
post Mar 21 2014, 12:00 AM

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QUOTE(jasmineh2y @ Mar 20 2014, 08:37 AM)
My GST is waived too!! yeah~
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you have hold the card for 1 year? how you can waive it.. pls teach us tongue.gif
tbheng
post Mar 21 2014, 12:14 AM

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QUOTE(herc @ Mar 20 2014, 08:35 AM)
I not sure is it only me or apply to other too.

Aeon Watami does not listed in my CCRIS record, got it since Dec 2013. I have card that is newer and already in the list.
*
QUOTE(ronnie @ Mar 20 2014, 10:40 AM)
Another "plus point" to apply AEON Credit Cards
*
QUOTE(victorywp @ Mar 20 2014, 11:28 AM)
wow... means all aeon cc will not be listed in ccris? that's great!  rclxms.gif
*
Sorry to break the bubble...mine shown on my CCRIS report.
I got the card in Feb 2013, when I printed CCRIS in Aug 2013 (my very first report), it is listed there.
Maybe AEON is slow in submitting info to CCRIS.
herc
post Mar 21 2014, 09:26 AM

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QUOTE(tbheng @ Mar 21 2014, 12:14 AM)
Sorry to break the bubble...mine shown on my CCRIS report.
I got the card in Feb 2013, when I printed CCRIS in Aug 2013 (my very first report), it is listed there.
Maybe AEON is slow in submitting info to CCRIS.
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aiya, tot can hide the debt there tongue.gif
~Eveready~
post Mar 21 2014, 04:16 PM

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Guys, I activated my Watami card in early March, so does the 3% cash rebate period counts from Mar, Apr, May as first quarter or counts from calendar quarter - Jan, Feb, Mar?

I asked CS this morning they said it starts from my activation month, NOT calendar quarter, true ah?
victorywp
post Mar 21 2014, 04:51 PM

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QUOTE(~Eveready~ @ Mar 21 2014, 04:16 PM)
Guys, I activated my Watami card in early March, so does the 3% cash rebate period counts from Mar, Apr, May as first quarter or counts from calendar quarter - Jan, Feb, Mar?

I asked CS this morning they said it starts from my activation month, NOT calendar quarter, true ah?
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starts from approval date, not calendar quarter.
~Eveready~
post Mar 21 2014, 05:19 PM

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QUOTE(victorywp @ Mar 21 2014, 04:51 PM)
starts from approval date, not calendar quarter.
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Thanks a lot for the confirmation!
The AEON CS took more than 10 minutes to understand my question and another 10 minutes to get the answer from her superior before calling me back... doh.gif
TSronnie
post Mar 21 2014, 11:19 PM

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QUOTE(~Eveready~ @ Mar 21 2014, 05:19 PM)
Thanks a lot for the confirmation!
The AEON CS took more than 10 minutes to understand my question and another 10 minutes to get the answer from her superior before calling me back... doh.gif
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That's a typical AEON CS response drool.gif drool.gif Ask us here would get some answers quicker.
~Eveready~
post Mar 22 2014, 03:36 PM

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QUOTE(ronnie @ Mar 21 2014, 11:19 PM)
That's a typical AEON CS response  drool.gif  drool.gif Ask us here would get some answers quicker.
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Agreed. That's why I called & also posted the question here, just to be double confirmed... biggrin.gif

Sorry for the kiasu-ness... tongue.gif

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