true that ... changed a 3rd gen ipad from harvey norman lol ..... then alot other small stuff like hair dryer ... rice cooker ... etc ... harvey norman is good stuff haha .. 9700 for RM50 less than RM1 = 200

No extra charge but the rate will definitely be higher than money exchanger (how much higher no1 will know unless you call Maybank from overseas when u want to make the transaction lol).. I read somewhere the Maybank 2 Card's MasterCard has 1 of the lowest rates (but still higher than cash exchange) ... You just need to compare the danger of carrying so much cash and that difference in % .... it's not much and for me I'd rather swipe my card

edit: Just remembered .. there was once it happened that the card rate is lower than what I've exchanged with cash ... maybe coz when I exchange cash it was high .. then 1 week after i went overseas the rate dropped .. well this explains how mild the "extra charge" is for the Mastercard ... If you're spending and claiming from company I have a tip for you ...exchange some cash at Mid Valley (famous for low rates) .. get the exchange rate from the airport (get them to print a receipt - which is always highest) .. while in overseas just swipe with your cc ... come home .. compare the cc rate with the exchange rate .. submit whichever is higher lol

This post has been edited by GymBoi: Jun 29 2013, 11:41 PM

You really think you could win the mini ?

Those who likes ice cream can go redeem at baskin robins ... RM1 = 200 points ... even count to the cents Juz came back ... RM 26.25 = 5250 points

Did mine in 1U credit card centre

That's they key point ... YOU only ... this world not only you use this card ... IF everyone that uses this card stop using once spending reach 1k .. then yes maybe the bank will lose money .. but most of the time the spending will be more than 1k ... your 7% has a cap of RM50 .... their charge to merchant doesn't have a cap .. of course we dont even need to talk about those that only pays minimum .. or better still doesn't even pay minimum

and yes .. bank never loses money ... same as casino ...

This post has been edited by GymBoi: Aug 9 2013, 06:39 PM

Well i didn't say you outsmart the bank .. i'm just saying bank has ways to earn beside charging merchant more than 7% .. and they still earn even EVERY CC holder pay in time ... they just need to use more than 1k per month .. you asked for people to correct you if you're wrong so that's what i did ..

lol u'll be surprised ... in fact amex is widely accepted in china

No offense but you sound like you shouldn't be using credit cards ..

well yeah i agree that not many people know about scams .... I'm ok if people don't know karmaloop ... but seeing your statement getting charged for something you didn't do? That's kinda common sense yea? It's like .. someone comes and take out RM100 from your wallet, should you be worried about it? Lol ... but yea no offence bro .. just be more careful ... if you need to pay for something you didn't buy .. you should be worried indeed

This ... but i'll just upgrade for the heck of it ... looks nicer than gold lol

Just for info ... i remember someone asked about this last time ... you can have BOTH gold and platinum together and get RM 100 max cash back provided you pay 2 government tax per year ... so u get 4 cards ... it is possible ... I confirm with Gardens cc centre ... coz i upgraded to platinum .. but didnt want to keep the gold though .. too many cards ...

I got my info on Monday @ CC centre Gardens ... well yea maybe tat guy is talking kok ... but anyone got time can go and confirm haha too bad amex is not widely accepted and cash back only weekends ... if ocbc got like this confirm i get 2 cards haha

If they really spend so much on the weekends then why not ? Btw it was an india guy who told me though .. he looked like he know what he's talking with some other stuff I asked him ... not some noob type like once u c it's a noob face ..