good for u i need to manage wise, amex & watami

once my spending is expected to reach >1k/mth, for sure i need another card to reap better rewards.

wise+amex+watami is a great combo, esp watami's 0% BT can be used to spread wise/amex outstanding

Maybe the branch main main you la. Want to take a bigger FD so they get more $$$

If you go apply with those booth set up at shopping mall, 5k only.

yeap just started to use it now but i wonder if I can BT multiple to Aeon and pay concurrently etc June pay RM2k and May pay RM2k & 3k(new BT) ?

I understand the problem with mach. But for wise, I am also interested but not willing to pay RM160 each year. But rebate of RM50 each month is really a lot compared to other banks. Lets say I get Rm50 rebate each month in a year I'll get RM600 then pay off the Rm160 I still earn Rm440. Maybe I'll consider wise...waiting for the bank to call me for more info.but as barrier to entry is high I guess I shld not hv high hopes.

Don't worry though. My missus is earning exactly RM2k/m and she maintain her a/c and HP with HL. Her app is successful. The real cost of using wise card from the 2nd year onwards will be AF- RM160 and GST - RM50 = RM 210. As long as you meet the requirement of 10xRM 50 /m and do not spend outside your category, the rate of return will be higher, if compared with other cards around.

The hardcopy form for a newspaper subscription requires credit card no, expiry date and CVC no.

I informed the company (a reputable company) that I do not wish to state my CVC no. and the company said okay, just the card no and expiry date will do. No signature is required on the form either.

I am wondering, can the company charged my credit card with just these 2 information? And if it is indeed possible, am I exposing myself to unauthorized transactions in future?

now my maybankard amex is approved, then i realize actually many of my usual online payment thing cannot swipe online or not accepted.

1. my etiqa cannot do monthly premium payment? only pay yearly? (read from somewhere)

2. my internet is not glorified uinifi so might not accept amex as well(still inquiring)

3. my maxis bill auto debit did not really maximise the weekend 5% because it never falls on saturday(maybe 2.85% according to some LYNer). now i have to request monthly and wait for call back from maxis to process the payment by amex.

all others are ok but still, the above were my monthly commitments i used to pay swiftly via maybank2u...i can still do so but it defeated the purpose of me applying MB2G then....lol.

lol, means my amex card only for weekend dining,groceries and petrol...which about RM400-500...usually i can only reach around RM1k of CC usage in total.

then i of course i need to divert my insurance(GE, internet bill-if cannot use amex) and other weekdays usage to another card. I initially wanted to get watami(have not apply yet) because of the 3% cash back, but now seems i need to reach RM1000/month at least to accumulate the quarterly cash back, i hesitated.....because with petrol and groceries already put into amex card, i can't reach RM1000(only occasionally when i go on some shopping spree, which is not much).....

please shed me some lights, do i still proceed with watami card, or is there another card to compensate the spending that amex card cannot be used? or just stick to the MB2G and use mastercard for the pity 1TP.

You can pay TM streamyx using AMEX too.

RM500 spending using AMEX gives you RM25 cashback per month + 2500 TP, multiply that by 12 months and it is considered good already.

If you still want another card, the next best option is maybe those giving you 1% cashback or maybe UOB one card.

The only tedious problem is the insurance. Etiqa accepts amex via phone call only, so you need to call every month to renew. Do call them up for info.

Your GE, most cards don't give you anything better. Even with insurances, u only hit 1k/mth, then no point getting watami.

The rest, you can rearrange your preferred merchants who accepts amex

etiqa can go to branch, accept amex

but they don't open on weekends, do they?

Hmm i do actually have a alliance visa gold given by the bank with my house loan which give me 0.85%-1.3% (depending on different tier) cash back and timeless bonus. Maybe i can keep this card for weekdays and unable to use amex.

This post has been edited by candysiew: May 30 2014, 12:57 AM

well yeah, as long as you are able to gain from using that card.

ya, just like normal bank operation

just check all the website,
most of the bank such as MBB, CIMB, Citi, UOB, Platinum cards income required already RM60k p.a
except SCB Just One Platinum, HSBC Amanah MPower Visa Platinum

anyone?

Not Sure with Newspaper Subscription...
But 100% Confirm with Reader's Digest They only Need Your Cardmember Name, Card no. (visa/ Mastercard) Card Expiry Date Fill-in the (Payment Advice Slip) to Process the Subscription (Order).
If U Choose Pay by Installment they auto-deduct from Your Credit/ Debit Card Account monthly, so far No Problem on Me, Nothing Bad Happened yet

This post has been edited by fly126: May 31 2014, 12:31 AM

alright thanks. so cc no and expiry date is somewhat the norm.

Usually, They Call You back to Confirm...