Less than rm 500 petrol..UOB one card I'm using now lo, still looking for better than this haha..

Ladies and gentlemen,

It gives me utmost pleasure to announce that I have just published my most comprehensive tutorial ever on how to fly Business Class for FREE from our credit card transactions. And this said tutorial is dedicated to my Grand Master Sifu hye as a token of appreciation for this no nonsense guidance and strict teachings

With the recent inflated Enrich Miles and Maybank Treats Points Redemption Program, I thought I should do some research on how to optimize the returns from my credit cards. And every time I educate myself, you guys benefit from my hard work as I will share with you my findings.

If you take this tutorial of mine, you will learn that if you spend about RM2K per month, within 2 years you''ll be able to fly Business Class to London sooner than you would ever imagine.

And since a Business Class ticket from KL to London is worth about RM10K (if you book one way), that's like getting cash back of RM5K per year with just RM2K spending a month which beats the heck out of the Maybankard 2 Card AMEX where you only earn guaranteed cash back of RM600 a year with RM1K spending a month.

All in all, there are 21 lessons plus a bonus lesson in my comprehensive tutorial on how one can get a “FREE” Business Class ticket from his/her credit cards usage.

Once again, this tutorial of mine is really comprehensive and since most of you are busy working on weekdays, it it best you take the tuition part time over the next few weekends when you are in a relax mode so that your brain can adsorb the materials presented.

Click here to read my Comprehensive Tutorial On Earning Enrich Miles with Credit Cards to start learning how you can fly Business Class for “FREE” starting this weekend - that is if you got time to waste reading and enjoy reading my freaking long articles.

So starting april no more rm50 service tax? Coz aeon,maybank,public bank didnt know about this n cant confirm for me, in jb branchs. And for annual fee, even if it is waived, the gst still charged?

yes, no more GST starting from 1 apr 15
if no annual fees, no GST

Is there way to ask OCBC to waive annual fee for 1.2% cash rebate card

I know long time how to save cost on business. But not everyone can afford this lifestyle and it is sometime consider as wastage

Hi guys, anyone from the bank credit card dept can answer my question below??

Just want to know if a person with very bad CCRIS & CTOS record applying to another person supp card, will that be any issue?

My friend is currently helping her hubby to apply a supp card from PBB (She is the principle, no bad record), the agent told her the card still in progress and will go thru CCRIS checking.....

Not sure the CCRIS checking will be checking the principle or the one supp the card???

principal only, supp card not affected.

This is very long long tutorial but it's benefits and impressive.

Appreciate for your efforts although I'm not qualified for those higher credit card yet, but someday perhaps.

Do you mean they are checking the principal CCRIS not the one applying the supp card?

If the principal showing not a good record in CCRIS, so the supp card application will not be success?

Are you from the bank?

Thanks.

If the principal has no good record in CCRIS or CTOS, the chances of getting is already slim. Then, don't need to talk about supplementary already.

oh I see, so the CCRIS is checking the principle record, right?

If the principle record is clean, then it will not have any issue on the supp card application although the supp card owner had a very bad CCRIS record?

Will there be any reason to cause the rejection except the issue above?

supp card no problem one la...

i supp that to my bro who is not working and approved

Your brother is not working but how abt the CCRIS record?

My friend hubby got a very bad CCRIS record hence she is worrying.....

i believe CCRIS has nothing to do because my bro did not have any CCRIS record

do not have CCRIS record VS bad ccris record i guess not affected because anything goes wrong, the bank will find principal card holder, not supp card holder

I got my supp card from my sister when I was in university, no issue.
In fact, supp cards can be given to anyone, even no blood relation.

This post has been edited by fruitie: Apr 14 2015, 11:33 AM

OK, thanks for the info.....

Lets see how is the bank response.....

bank will not bother with supp's record
since their liability are borne by the principal anyway

A new credit card from hong leong bank (I'm Card).

https://www.hlb.com.my/main/personal/cards/im-card

Enjoy annual fee waived for life

You can have all the fun you want because there’s no yearly fee at all!

Save on Overseas Transaction Mark-Up

No mark-up will be charged when you spend overseas

Still wonder what is no mark-up refer above?

noticed that last week.

Kinda like, no frills, no benefits. Just a credit card.