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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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Wongchoy
post Jul 27 2014, 04:00 PM

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QUOTE(DarReNz @ Jul 27 2014, 09:46 AM)
like that jaya grocer,  99 speedmart, old town all have min rm30 spending if reported all will lost their machines ?
*
Malaysia boleh mar. Try this method in Singapore you surely kena !
Human Nature
post Jul 27 2014, 04:24 PM

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If they have stated it, i am still ok..but there was one time, a cashier at guardian pandai pandai said cannot...
LostAndFound
post Jul 27 2014, 06:50 PM

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QUOTE(Human Nature @ Jul 27 2014, 04:24 PM)
If they have stated it, i am still ok..but there was one time, a cashier at guardian pandai pandai said cannot...
*
I also don't bother to complain, but because of our own attitude to accept this practice will always continue. I prefer to be able to spend even RM2 with credit card, because getting 1%/2%/5%/7%/10% back is always better than getting 0% (and reducing liquidity).

But has anyone actually complain to visa/master before? Actually gotten result? I know bigger shop (example ACE hardware) just accept CC only, but almost all small shops set limit.
KoChun
post Jul 27 2014, 06:59 PM

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CC Banks also not honest.
CIMB has promo on KFC but
some KFC refuse to offer promo.

Feedback to CIMB also deaf ears.
victorywp
post Jul 27 2014, 09:18 PM

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QUOTE(KoChun @ Jul 27 2014, 06:59 PM)
CC Banks also not honest.
CIMB has promo on KFC but
some KFC refuse to offer promo.

Feedback to CIMB also deaf ears.
*
some kfc? i think it's most of the kfc.
charymsylyn
post Jul 27 2014, 09:46 PM

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QUOTE(milkyboon @ Jul 27 2014, 09:29 AM)
About few months ago, my friends and I went to a coffee shop in Ampang to have some drinks.
All in total RM32+. My friend give the credit card but the waitress (I think Myanmar) say kenot as the restaurant only accept above RM40 for credit card usage.
(I saw a small signboard on the restaurant's glass wall stating so.)

My friend black face & immediately shoot the waitress. "What bull**** is this!? Call your manager!"
So he say restaurant cannot do so, if he report to VISA/Mastercard, they will take away the credit card machine.

So waitress cannot handle my friend, had to call manager. So talk to manager, manager firstly say the same thing. So my friend shoot her also.
"Look, don't blame me if next week you don't have your credit card machine anymore."

So manager also takut aldy, took his credit card. Surprisingly came back with credit card accepted. Friend sign while the manager apologize "Sorry ah, the waitress don't know. Next time I will teach them properly. It's our fault"

I was amazed. Another friend of us is a senior internal auditor also did not know about this.

Tl;dr So, does the restaurant* has the right to reject customer based on the level of spending? Let's say below RM50, restaurant don't accept them?

Edit: typo error
*
You can swipe more or less any amount (even 1 sen) on credit card machine. However, since CC isn't legal tender, any merchant have a right not to accept payment using CC.

While there is an MC/Visa rule about not allowing merchants to impose minimum spend, just like additional charges for CC payments, good luck to you actually having the merchant's card facilities revoked.
charymsylyn
post Jul 27 2014, 09:49 PM

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QUOTE(KoChun @ Jul 27 2014, 06:59 PM)
CC Banks also not honest.
CIMB has promo on KFC but
some KFC refuse to offer promo.

Feedback to CIMB also deaf ears.
*
This is more of a KFC issue. They want to run promos but they don't really want to ensure that the terminals are available on all counters and functioning and their staff actually knows how to use the terminals.
KoChun
post Jul 27 2014, 09:51 PM

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QUOTE(victorywp @ Jul 27 2014, 09:18 PM)
some kfc? i think it's most of the kfc.
*
QUOTE(charymsylyn @ Jul 27 2014, 09:49 PM)
This is more of a KFC issue. They want to run promos but they don't really want to ensure that the terminals are available on all counters and functioning and their staff actually knows how to use the terminals.
*
So anyone can advise how to apply for Signature card using FD?
It's time for an upgrade.
party
post Jul 29 2014, 12:54 AM

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Hi,

I gt citi visa and mastercard. Get 2 bills...

Monthly payment have to pay visa and mastercard? Or if just pay thru visa ok d?

Newbie in cc...
fly126
post Jul 29 2014, 01:16 AM

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QUOTE(party @ Jul 29 2014, 12:54 AM)
Hi,

I gt citi visa and mastercard. Get 2 bills...

Monthly payment have to pay visa and mastercard? Or if just pay thru visa ok d?

Newbie in cc...
*
Need to pay BOTH (2 Bills) Separately... smile.gif

This post has been edited by fly126: Jul 29 2014, 01:36 AM
milkyboon
post Jul 29 2014, 08:33 AM

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QUOTE(charymsylyn @ Jul 27 2014, 09:46 PM)
You can swipe more or less any amount (even 1 sen) on credit card machine. However, since CC isn't legal tender, any merchant have a right not to accept payment using CC.

While there is an MC/Visa rule about not allowing merchants to impose minimum spend, just like additional charges for CC payments, good luck to you actually having the merchant's card facilities revoked.
*
Thanks for the answer

Dang, nobody wants to help some fries like me n you sad.gif
Well, If anything happens I'll try to report back here. Wish me luck
Wongchoy
post Jul 29 2014, 04:05 PM

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QUOTE(milkyboon @ Jul 29 2014, 08:33 AM)
Thanks for the answer

Dang, nobody wants to help some fries like me n you  sad.gif
Well, If anything happens I'll try to report back here. Wish me luck
*
What's your problem bro?
holoman
post Jul 29 2014, 05:34 PM

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with salary 2k a month
is there any cc can i apply ?
need one, mainly for fuel usage
fly126
post Jul 29 2014, 05:39 PM

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QUOTE(holoman @ Jul 29 2014, 05:34 PM)
with salary 2k a month
is there any cc can i apply ?
need one, mainly for fuel usage
*
UOB One Card
https://forum.lowyat.net/index.php?showtopi...&#entry68505615

This post has been edited by fly126: Jul 29 2014, 05:42 PM
holoman
post Jul 29 2014, 05:52 PM

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QUOTE(fly126 @ Jul 29 2014, 05:39 PM)
thanks,will look forward this cc thumbup.gif
victorywp
post Jul 29 2014, 09:34 PM

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QUOTE(holoman @ Jul 29 2014, 05:34 PM)
with salary 2k a month
is there any cc can i apply ?
need one, mainly for fuel usage
*
you can choose cimb petronas gold card. 5% petrol cash back at any petronas on 1st weekend of every month, and 2% on any other day. and 0.5% on all retail spend. also 10% cash back on car services at perodua (good if you drive perodua).
party
post Jul 30 2014, 09:44 PM

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QUOTE(fly126 @ Jul 29 2014, 01:16 AM)
Need to pay BOTH (2 Bills) Separately... smile.gif
*
Thanks... smile.gif

Another question..Citibank have Balance Conversion and Flexi Payment Plan.

If I cash advance..can I then change the oustanding with Balance Conversion or Flexi Payment Plan?

Already cash advance due to emergency few days ago. I know about dial-for-cash but cant wait that long.
Wongchoy
post Jul 30 2014, 09:50 PM

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QUOTE(party @ Jul 30 2014, 09:44 PM)
Thanks... smile.gif

Another question..Citibank have Balance Conversion and Flexi Payment Plan.

If I cash advance..can I then change the oustanding with Balance Conversion or Flexi Payment Plan?

Already cash advance due to emergency few days ago. I know about dial-for-cash but cant wait that long.
*
Bal Conv & FPP is only applicable for retail trnx only. Cash advance do not qualify!
party
post Jul 30 2014, 09:51 PM

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QUOTE(Wongchoy @ Jul 30 2014, 09:50 PM)
Bal Conv & FPP is only applicable for retail trnx only. Cash advance do not qualify!
*
OKay..thanks. smile.gif
wikzs
post Aug 8 2014, 10:35 AM

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Hi sifus,

In your opinion, if I have to choose between MBB Visa Signature and Visa Infinite, which one should I go with?

For Signature - I only use roughly RM200 for fuel and RM500 for groceries per month, so I don't think I can consistently cap the 5% cashback. I don't travel overseas that much as well so the Plaza Premium would be largely wasted on me. If they have something equivalent for domestic then I'm all for it though.

For infinity - I'm not a golfer, so the golf privileges are wasted. I do prefer the 2x local purchase points, since not all outlets accepts AMEX for the 5x. The airmiles conversion is really sweet too.

I wouldn't be able to hit 50k for annual fee waiver on both cards, so I prefer to apply for just 1 of them.

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