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Credit Cards Credit Card v18, Post/Ask general questions here, Please read post 1-3 before posting, tq
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victorywp
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Oct 12 2014, 10:45 PM
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QUOTE(infernoaswen @ Oct 12 2014, 10:36 PM) I see, didnt know that. Umm not so sure, left the receipt in my car. Why would it be someone else receipt? Shouldn't it be mine since after I fill only it print the receipt? Not so sure, first time paying using the pump, normally I just pay by cash  some people forgotten to take their receipt and the next person didn't realise there's a receipt there before start pumping. after finished pumping they thought the receipt was theirs. not sure whether it's your case. it's better for you to check the cc details on the receipt and call the cs to lodge a dispute as soon as possible (if the receipt really belongs to you). perhaps you still can get a refund after their investigation. if you do nothing, you will not receive any refund if you only pump rm41 but the receipt shows rm130.
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infernoaswen
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Oct 12 2014, 10:56 PM
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QUOTE(victorywp @ Oct 12 2014, 10:45 PM) some people forgotten to take their receipt and the next person didn't realise there's a receipt there before start pumping. after finished pumping they thought the receipt was theirs. not sure whether it's your case. it's better for you to check the cc details on the receipt and call the cs to lodge a dispute as soon as possible (if the receipt really belongs to you). perhaps you still can get a refund after their investigation. if you do nothing, you will not receive any refund if you only pump rm41 but the receipt shows rm130. When I pump there wasn't any receipt. I see, ok will check the receipt. So far there is no statement when I check in m2u, maybe they will update it tomorrow
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Wongchoy
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Oct 12 2014, 10:57 PM
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QUOTE(infernoaswen @ Oct 12 2014, 10:36 PM) I see, didnt know that. Umm not so sure, left the receipt in my car. Why would it be someone else receipt? Shouldn't it be mine since after I fill only it print the receipt? Not so sure, first time paying using the pump, normally I just pay by cash  The receipt should tell whose card is used, yours or other. Check the card last few number to see if it is yours.
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Bonescythe
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Oct 13 2014, 02:02 AM
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Is there any other cards that can provide unlimited cash back beside OCBC bank?
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fly126
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Oct 13 2014, 03:07 AM
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QUOTE(Bonescythe @ Oct 13 2014, 02:02 AM) Is there any other cards that can provide unlimited cash back beside OCBC bank? Hong Leong Essential (Annual Fee Waiver subject to 12x Swipes a Year) * 1% Unlimited CashBack (Cash-Back is Subject to Min. Retail Spend of Rm100/Month + NO Rebate given on Petrol)*Low Cash Advance Fee of 2% (Others CC- 5%), Which's Good on Emergency Cash Urgently Needed *Low Cash Advance Interest Rate at 10.8% p.a (Others- 18% p.a), as I think So far is the Lowest Rate Among All the Banks in Malaysia
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Bonescythe
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Oct 13 2014, 10:27 AM
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QUOTE(fly126 @ Oct 13 2014, 03:07 AM) Hong Leong Essential (Annual Fee Waiver subject to 12x Swipes a Year) * 1% Unlimited CashBack (Cash-Back is Subject to Min. Retail Spend of Rm100/Month + NO Rebate given on Petrol)*Low Cash Advance Fee of 2% (Others CC- 5%), Which's Good on Emergency Cash Urgently Needed *Low Cash Advance Interest Rate at 10.8% p.a (Others- 18% p.a), as I think So far is the Lowest Rate Among All the Banks in Malaysia Retail spending is inclusive of - paying for TM - Paying for TNB - Paying for waterbills?
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Wongchoy
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Oct 13 2014, 10:45 AM
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QUOTE(Bonescythe @ Oct 13 2014, 10:27 AM) Retail spending is inclusive of - paying for TM - Paying for TNB - Paying for waterbills? Yes...those spendings qualify for cashback. Only petrol trnx doesn't.
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Bonescythe
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Oct 13 2014, 10:53 AM
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QUOTE(Wongchoy @ Oct 13 2014, 10:45 AM) Yes...those spendings qualify for cashback. Only petrol trnx doesn't. I read at the terms and condition for the OCBC Titanium 1% unlimited cash back. It says that it is strictly for personal use only. So... If I got a company, and I use my credit card to pay my company utilities bills, then I am not entitled for cash rebate?
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victorywp
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Oct 13 2014, 11:38 AM
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QUOTE(Bonescythe @ Oct 13 2014, 10:53 AM) I read at the terms and condition for the OCBC Titanium 1% unlimited cash back. It says that it is strictly for personal use only. So... If I got a company, and I use my credit card to pay my company utilities bills, then I am not entitled for cash rebate? can, no problem...
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Bonescythe
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Oct 13 2014, 11:42 AM
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QUOTE(victorywp @ Oct 13 2014, 11:38 AM) Maybe that amount you are paying is little. Let's say I open a small iron smelting plant.. Electricity will be anyway like RM50k a month. So use cash back card to pay, and get 1% rebate from it every month? If that is the recurrent event, will the bank do something on it? Like cancel my cash rebate? 1% cash rebate, That is a good handsome RM500.. Not big not small, but is good to makan also This post has been edited by Bonescythe: Oct 13 2014, 11:43 AM
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victorywp
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Oct 13 2014, 11:54 AM
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QUOTE(Bonescythe @ Oct 13 2014, 11:42 AM) Maybe that amount you are paying is little. Let's say I open a small iron smelting plant.. Electricity will be anyway like RM50k a month. So use cash back card to pay, and get 1% rebate from it every month? If that is the recurrent event, will the bank do something on it? Like cancel my cash rebate? 1% cash rebate, That is a good handsome RM500.. Not big not small, but is good to makan also you may always call to ask first before applying.
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Bonescythe
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Oct 13 2014, 12:35 PM
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QUOTE(victorywp @ Oct 13 2014, 11:54 AM) you may always call to ask first before applying.  Thanks.. That is a good solution
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Styrroyds
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Oct 13 2014, 01:07 PM
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Getting Started

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QUOTE(Bonescythe @ Oct 13 2014, 10:53 AM) I read at the terms and condition for the OCBC Titanium 1% unlimited cash back. It says that it is strictly for personal use only. So... If I got a company, and I use my credit card to pay my company utilities bills, then I am not entitled for cash rebate? if pay for tnb why not just use mbb2 amex? (i assume you have the card) you get 5x treatspoints so that is valued at above 1%, you can exchange for vouchers
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tigaxxx
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Oct 13 2014, 01:41 PM
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QUOTE(Bonescythe @ Oct 13 2014, 11:42 AM) Maybe that amount you are paying is little. Let's say I open a small iron smelting plant.. Electricity will be anyway like RM50k a month. So use cash back card to pay, and get 1% rebate from it every month? If that is the recurrent event, will the bank do something on it? Like cancel my cash rebate? 1% cash rebate, That is a good handsome RM500.. Not big not small, but is good to makan also In that case use as many cb ccard as u can..split the last big chunk use amex reserve for the points This post has been edited by tigaxxx: Oct 13 2014, 01:43 PM
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Bonescythe
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Oct 13 2014, 01:41 PM
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QUOTE(Styrroyds @ Oct 13 2014, 01:07 PM) if pay for tnb why not just use mbb2 amex? (i assume you have the card) you get 5x treatspoints so that is valued at above 1%, you can exchange for vouchers But I want cash, not points. But I think Maybank Visa Signature can convert 250 points to RM1 directly..
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Bonescythe
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Oct 13 2014, 01:42 PM
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QUOTE(Styrroyds @ Oct 13 2014, 01:07 PM) if pay for tnb why not just use mbb2 amex? (i assume you have the card) you get 5x treatspoints so that is valued at above 1%, you can exchange for vouchers Btw, just to check. Maybank Amex x5 treat points is only for Weekends right? So I must pay during weekend? Lol
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adele123
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Oct 13 2014, 01:53 PM
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QUOTE(Bonescythe @ Oct 13 2014, 01:42 PM) Btw, just to check. Maybank Amex x5 treat points is only for Weekends right? So I must pay during weekend? Lol Cash Back AND 5x points for weekend 5x points for weekdays...
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victorywp
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Oct 13 2014, 01:57 PM
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QUOTE(Bonescythe @ Oct 13 2014, 01:41 PM) But I want cash, not points. But I think Maybank Visa Signature can convert 250 points to RM1 directly.. but mbb vs doesn't have 5x points. QUOTE(Bonescythe @ Oct 13 2014, 01:42 PM) Btw, just to check. Maybank Amex x5 treat points is only for Weekends right? So I must pay during weekend? Lol mbb2amex 5x tp for everyday use. weekends get additional 5% on top of 5x tp.
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tigaxxx
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Oct 13 2014, 02:02 PM
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QUOTE(Bonescythe @ Oct 13 2014, 01:41 PM) But I want cash, not points. But I think Maybank Visa Signature can convert 250 points to RM1 directly.. Not that good..it's like spending locally rm2500 and get cb of rm10
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Bonescythe
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Oct 13 2014, 02:37 PM
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Maybank2kard give you a lot of points..but cash back option is limitee to weekend and got capping.
looking at my usage, a straight cash back without barriers is the best choice.. So shud be only ocbc and hlb essential
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