actually if i not wrong it is not because of the bank charges since what i know is that bank negara also not allow the extra change or set the limit when can used the cc but since to claim the money have period of time so the merchant charge so the time to w8 la.. it like we take the gov job/contract must w8 at least 3 month after work finish then only can claim so the cotract have markup p[rice to cover that..hohho'