QUOTE(citronmobile @ Jan 19 2014, 04:23 PM)
no.it means two of your cards will share the 6k together, it doesn't split.
for example, if you used 5k in either of your card, then u can only use additional 1k on any of ur two cards.
Recommendation for Credit Cards V2, Please post according to Format stated.
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Jan 19 2014, 05:34 PM
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Senior Member
3,902 posts Joined: Jul 2007 |
QUOTE(citronmobile @ Jan 19 2014, 04:23 PM) no.it means two of your cards will share the 6k together, it doesn't split. for example, if you used 5k in either of your card, then u can only use additional 1k on any of ur two cards. |
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Jan 19 2014, 05:51 PM
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Junior Member
20 posts Joined: Dec 2009 |
QUOTE(Gen-X @ Jan 19 2014, 04:51 PM) Firstly, soon all Direct Access cards will be converted to CIMB cards. Hi Gen-X thanks for your response. Yeah, actually I applied online. An agent followed up with me, submitted the application form + 3 mths payslip + EPF statement + copy of offer letter. It's already 2 weeks. Yep, I go to cinema for at least 5-6 times per month that's the card I am looking for, but wouldn't know will get approve or not.The Clear Card is good for movies. If your application is still not shown in the system next week. Go apply online directly via Citibank website. But please be aware, the Clear Card FREE Movie Benefit is really good if you go to the movies every week with a partner but many have reported it is tough for the annual fee to be waived for subsequent years. So, if you really go to the movies every week, the savings you get is much more than the annual fee and you would be more than happy to pay it. But if you go to the movies once a month, then different story, no point getting the card. And Citibank do have many promos for shopping and dining but that is to entice you to spend more. For general usage and on weekends, the Maybankard 2 Gold card is really good for spending up to RM1000/month. The MBB2 Amex earns you 5% cash back every Saturday and Sunday plus 5X UNLIMITED Treats Points everyday. The 5X TP itself is already very good. It works out to be 2% cash back based on 12,500 TP = RM50 cash voucher. Click here to read my article The Best Cash Back Credit Cards Combination 2014. ronnie did an excellent job compiling places that accepts AMEX, click here to see where AMEX cards are welcome. If you decide you want to get the MBB 2 Cards, click here to Maybankard 2 Cards Thread, and read at least the first 2 pages and most of the answers to your questions will be answered. Yeah I checked CIMB website that it will be rebranded to CIMB cards. TnC for application remains the same. Would like to know from those who are familiar with CIMB, whether this Platinum DA can be applied at Sunway Pyramid branch and get 1h approval, rather than keep waiting for another 2 weeks like CTB. AMEX is one of my consideration too, will check out tonight. Which location would provide the fastest to approve as I just dun wan to waste so much time waiting and waiting again. Let's see if the CTB's agent will call me again tmr. |
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Jan 19 2014, 06:13 PM
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Junior Member
29 posts Joined: Jan 2012 From: Kedah. |
QUOTE(lamode @ Jan 19 2014, 06:34 PM) no. I see. Thanks for the information. Did any bank offered with both card without sharing limit? Or depend to condition?it means two of your cards will share the 6k together, it doesn't split. for example, if you used 5k in either of your card, then u can only use additional 1k on any of ur two cards. |
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Jan 19 2014, 08:36 PM
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Elite
8,601 posts Joined: Jan 2003 From: KL |
QUOTE(michael1208 @ Jan 19 2014, 05:51 PM) Hi Gen-X thanks for your response. Yeah, actually I applied online. An agent followed up with me, submitted the application form + 3 mths payslip + EPF statement + copy of offer letter. It's already 2 weeks. Yep, I go to cinema for at least 5-6 times per month that's the card I am looking for, but wouldn't know will get approve or not. OIC, you applied online, I am surprised it is still not in their system. But since you do go to the movies every week, worthwhile to wait and even resubmit the necessary documents if so required.Yeah I checked CIMB website that it will be rebranded to CIMB cards. TnC for application remains the same. Would like to know from those who are familiar with CIMB, whether this Platinum DA can be applied at Sunway Pyramid branch and get 1h approval, rather than keep waiting for another 2 weeks like CTB. AMEX is one of my consideration too, will check out tonight. Which location would provide the fastest to approve as I just dun wan to waste so much time waiting and waiting again. Let's see if the CTB's agent will call me again tmr. If not mistaken, only Premier cards like Visa Signature or World MasterCard/Visa Infinite can be issued "on the spot" at Sunway. And since I am a nice guy, I am going to give you link to my article created to cater for your request Click here to read my article One Day Approval for CIMB Premier Credit Cards and Maybaybank 2 Cards.. In this previous article, you will find CIMB Card Centre at Pyramid and Maybankard Centre at 1U contact numbers. Call the CIMB Sunway Centre for more info and go early to 1U to apply for the Maybankard 2 Cards where you will get the cards in 2 hours or less (call them and ask what docs they need). This post has been edited by Gen-X: Jan 19 2014, 08:37 PM |
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Jan 20 2014, 04:13 PM
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Senior Member
7,496 posts Joined: Feb 2007 |
QUOTE(Gen-X @ Jan 19 2014, 08:36 PM) OIC, you applied online, I am surprised it is still not in their system. But since you do go to the movies every week, worthwhile to wait and even resubmit the necessary documents if so required. go on weekdays to Maybankard Centres as you won't be able to get the cards on weekends.If not mistaken, only Premier cards like Visa Signature or World MasterCard/Visa Infinite can be issued "on the spot" at Sunway. And since I am a nice guy, I am going to give you link to my article created to cater for your request Click here to read my article One Day Approval for CIMB Premier Credit Cards and Maybaybank 2 Cards.. In this previous article, you will find CIMB Card Centre at Pyramid and Maybankard Centre at 1U contact numbers. Call the CIMB Sunway Centre for more info and go early to 1U to apply for the Maybankard 2 Cards where you will get the cards in 2 hours or less (call them and ask what docs they need). |
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Jan 20 2014, 11:39 PM
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Senior Member
6,354 posts Joined: Jan 2003 |
What's the best general use supplementary card? Since Maybank2 card's RM50 weekend rebate is shared with principle.
OCBC Ti no longer applies. I believe UOB also shared right? Thoughts? |
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Jan 21 2014, 04:03 PM
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Junior Member
288 posts Joined: Mar 2010 From: -Remain Unknown- |
Thinking to change my Maybank2Card to other card. Anyone have a good suggestion.
1. Annual Income: RM36K to RM60K 2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol (Shell to be specific), Shopping, Dining, Cash Back (If Possible) 4. Existing credit cards if any: Maybank2Card 5. Looking at CC from: Citibank or Suggest me one. 6. Others: Most Benefits Cards is good for me. Thanks for people who answered. |
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Jan 21 2014, 10:15 PM
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Senior Member
7,496 posts Joined: Feb 2007 |
QUOTE(ZyD86 @ Jan 21 2014, 04:03 PM) Thinking to change my Maybank2Card to other card. Anyone have a good suggestion. U could get hlb wise and aeon watami1. Annual Income: RM36K to RM60K 2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol (Shell to be specific), Shopping, Dining, Cash Back (If Possible) 4. Existing credit cards if any: Maybank2Card 5. Looking at CC from: Citibank or Suggest me one. 6. Others: Most Benefits Cards is good for me. Thanks for people who answered. |
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Jan 22 2014, 10:47 AM
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Junior Member
164 posts Joined: Nov 2008 From: Limbang! |
hello there, can help me recommend? thanx in advance.
1. Annual Income: RM30K to RM36K 2. Free Lifetime Annual Fee: A Must 3. Card required for: Shopping only (maybe for petrol too) 4. Existing credit cards if any: Nil 5. Looking at CC from: Nil 6. Others: Actually need it only for shopping (usually emergency shopping), i dont shop much but once in a while need to indulge myself with buying new gadgets and stuff. usually buy stuff with cash but sumtimes dont have enough cash in hand (or need to save for others). |
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Jan 22 2014, 09:22 PM
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Senior Member
4,482 posts Joined: Jul 2005 |
Any credit card got cashback for paying insurance premium, home loan, or car loan one or not? haha seems like can be a new attraction to ppl.
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Jan 23 2014, 12:30 PM
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Junior Member
423 posts Joined: May 2007 |
Please fill items below and then only post so that we are able to recommend you a credit card based on your needs and qualifications
1. Annual Income: RM 30 - 36 k 2. Free Lifetime Annual Fee: Yes. If possible. 3. Card required for: Petrol, Telco, Dinning, Insurance (Prefer: Cashback) 4. Existing credit cards if any: OCBC-TMC 5. Looking at CC from: Any 6. Others: Preferable cash back almost same with OCBC-TMC My monthly usage approximately RM500-1000 range depends. Most of the usage on petrol roughly RM200-300. Telco RM 200. Dining Rm50-100 (Sometimes don't have) Insurance RM130 per month and another is annually RM2700. Need a replacement roughly.. Going cancel my TMC soon due to 1% |
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Jan 23 2014, 09:10 PM
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All Stars
11,740 posts Joined: Oct 2013 From: Her Heart |
QUOTE(Jason @ Jan 20 2014, 11:39 PM) What's the best general use supplementary card? Since Maybank2 card's RM50 weekend rebate is shared with principle. can opt for aeon watami quarterly 3% cash back (except petrol) min rm3k expenses and max rm5k expenses per quarter. good for both principle and supplementary cc.OCBC Ti no longer applies. I believe UOB also shared right? Thoughts? |
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Jan 23 2014, 09:14 PM
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All Stars
11,740 posts Joined: Oct 2013 From: Her Heart |
QUOTE(kidmad @ Jan 22 2014, 09:22 PM) Any credit card got cashback for paying insurance premium, home loan, or car loan one or not? haha seems like can be a new attraction to ppl. yes for insurance premium. you can go for aeon watami quarterly 3% cash back (except petrol) min rm3k total expenses and max rm5k expenses per quarter.but not for home/car loans. you can't pay loan with cc. |
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Jan 23 2014, 09:18 PM
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All Stars
11,740 posts Joined: Oct 2013 From: Her Heart |
QUOTE(maxgenesis @ Jan 23 2014, 12:30 PM) Please fill items below and then only post so that we are able to recommend you a credit card based on your needs and qualifications the best option for you is maybank2cards amex 5% cb + 5x tp on weekends expenses. on weekdays 5x tp only but also equivalent to 2% cb. for insurance and government related 2x tp.1. Annual Income: RM 30 - 36 k 2. Free Lifetime Annual Fee: Yes. If possible. 3. Card required for: Petrol, Telco, Dinning, Insurance (Prefer: Cashback) 4. Existing credit cards if any: OCBC-TMC 5. Looking at CC from: Any 6. Others: Preferable cash back almost same with OCBC-TMC My monthly usage approximately RM500-1000 range depends. Most of the usage on petrol roughly RM200-300. Telco RM 200. Dining Rm50-100 (Sometimes don't have) Insurance RM130 per month and another is annually RM2700. Need a replacement roughly.. Going cancel my TMC soon due to 1% This post has been edited by victorywp: Jan 23 2014, 09:21 PM |
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Jan 26 2014, 07:59 PM
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Senior Member
2,714 posts Joined: May 2008 |
1. Annual Income: 60K
2. Free Lifetime Annual Fee: Best if possible 3. Card required for: Dining, Shopping, Petrol 4. Existing credit cards if any: Maybank2Card, OCBC Ti (Looking to replace this) 5. Looking at CC from: Any |
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Jan 27 2014, 08:44 AM
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Junior Member
623 posts Joined: Jun 2009 |
Hi everyone, i just bought a car recently with car loan application with ambank, i turn out to have an extra ambank credit card, which i need to pay for government tax right after i got the credit card, i dun need this card seriously, if i cancel the card, possible to escape from the rm50 tax? If no, then what would be the alternative way, thanks
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Jan 27 2014, 09:33 AM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield |
QUOTE(cdspins @ Jan 26 2014, 07:59 PM) 1. Annual Income: 60K HLB Wise if you can fulfill 10 x Rm50 transactions per month.2. Free Lifetime Annual Fee: Best if possible 3. Card required for: Dining, Shopping, Petrol 4. Existing credit cards if any: Maybank2Card, OCBC Ti (Looking to replace this) 5. Looking at CC from: Any |
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Jan 27 2014, 09:43 AM
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Senior Member
4,829 posts Joined: Jan 2012 |
QUOTE(ilovestitch @ Jan 27 2014, 08:44 AM) Hi everyone, i just bought a car recently with car loan application with ambank, i turn out to have an extra ambank credit card, which i need to pay for government tax right after i got the credit card, i dun need this card seriously, if i cancel the card, possible to escape from the rm50 tax? If no, then what would be the alternative way, thanks Just call AmBank to cancel the Card as u never applied for it and u will not be bearing the RM50 GST.To be sure, just drop by BNM after say 3-mths to get the CCRIS Report to make sure its not reported as still owing by you later. |
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Jan 27 2014, 09:53 AM
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Junior Member
623 posts Joined: Jun 2009 |
QUOTE(cfa28 @ Jan 27 2014, 09:43 AM) Just call AmBank to cancel the Card as u never applied for it and u will not be bearing the RM50 GST. I suspect they slip in the cc application form in the car loan application form and i signed it without any notice. Is it to legal they do it this way?To be sure, just drop by BNM after say 3-mths to get the CCRIS Report to make sure its not reported as still owing by you later. |
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Jan 27 2014, 10:04 AM
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Senior Member
4,829 posts Joined: Jan 2012 |
QUOTE(ilovestitch @ Jan 27 2014, 09:53 AM) I suspect they slip in the cc application form in the car loan application form and i signed it without any notice. Is it to legal they do it this way? You can make a formal complaint to BNM if u wish to. BNM has made it clear that there is to be NO more pre-approved products. Banks are not allowed to offer any products that customer did not apply for.http://www.bnm.gov.my/index.php?ch=en_abou...e&ac=96&lang=en |
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