I am pleased to announced that I have published my third Credit Card Ultimate Showdown - The Best Top 10 Credit Cards in Malaysia 2014.

The CXXB call centre called me .... Offering me RM200 cash rebate upon 3X swipe within 60 days.. I agreed.

After I received the card, I called the CXXB call centre to double confirm the rebate. She confirmed it & activate it. Almost immediately after I put off the phone , she call me back and told me no such promotion and advice me not to swipe the card.

I filed numerous complaint via CXXB official website and phone. And they told me they will handle the case promptly. 2 days back, I received CXXB card statement to pay RM50 GST.
I call CXXB call centre again,  They said got listen the past conversation of RM200 the staff mentioned, but the staff haven't reply them yet ... 

It have been more than 3 weeks! What should I do ??

1) should I pay the govt tax by due date ?
2) should I complain to Bank Negara now, I m worry even I win, I still need to pay GST ....
3) I was cheated ! How to detect b4 it happen ?

Thanks 

if i paid before Payment Due Date, will I kene charge?

Thanks!

thanks. Under bill payment-->telekom malaysia berhad-telephone & multimedia?

If I have already have an ongoing application with Maybank at one branch, can I go to the other branch and apply the same credit card or ask them to follow up on my application?

I applied at the Queensbay Mall Maybank weeks ago where I completed the forms and one of the officers verified my forms and helped me to submit but when I called in to ask, the bank said documents was incomplete, turns out some important parts of the forms were left unfilled. So I tried to get in touch with this guy again but he is on leave half the time and the other staffs would not really help me to follow up on that.

Got really fed up with the service at this branch and really want to change to other bank but one of the officers told me it can't be done, does anyone of you have simialr experiences?

Please take one of these two actions:

To use the same card: Contact your credit card provider to make sure that your card is active, has sufficient funds, and is valid for international online transactions. Then reenter the card details here.

To use another card: Provide alternative card details by clicking here. Please make sure that the alternative card is active, has sufficient funds, and is valid for international online transactions.

Climb called me previously and claim free for life and get absorb.
I was busy and requested them to call me back but they never did.
Hence I ask here.

hi guys, regards to public bank card, if i go international travel and swipe, is it rm10 needed for the transaction fee per swipe?

Sorry, not sure the question should be post here or not.

Just curious to the credit card debt,
How the bank going to collect the credit card debt if the card holder is passed away? His children/family members need to responsible for the card holder debt?

When signing up the credit card, there's no guarantor, So where will the bank get the debt from? Let's assume the debt is large amount like 30-40K, previously only pay 5% interest every month.

just wondering if banks reject you when applying for new cards if all your existing cards total limits has reached your annual income ?

Banks will assign how many times of yo basic salary as credit limit?

Just wanna ask sifus here.

I've always been against CCs. Why? Coz I don't like to live on other peoples' money, per se.

But then I read on the positives of a CC, the rebate, cashback and whatnot.

Am I right by thinking that I should get a CC coz I can get cashback and rewards. And at the same time I can still pay the amount on time without any charges, therefore, I'd be making a saving and getting rewards.

Hmm.. thanks for any feedback.

Lol. That's mighty reassuring. 

I'm not too well versed on some perks and rewards. But for example when some say "X% cashback (per month)", and "zero monthly/annual fees for X times swiped a month".

What I was always worried about was the monthly/annual fees, I know it is small but I don't want to be paying for something I won't be using.

But recently I think, I can always use it for petrol payments (2 times a month minimum). So the other may be used for say, online purchases.

Maybe I need to sit down with Banks and see what they can offer. 

Anything I should take note of when considering a particular Bank's CC offering?

you mean getting both hong leong + maybankard(2 cards) are better than the two that i currently having, correct?

i'm more swiping more on groceries, petrol, insurance and some online buying/intallment....

if getting both mean i wil have 3 government fee to pay right per year unless it can be waived = RM150.

i usually spend about RM1k for my CC,some time less sometime more...

however, about RM350/month is for 2 different insurance premium.

since insurance can't use amex(i read from some posts),
maybe i can combined aeon watami to auto charge the premium and some weekdays dining to aeon watami, and the rest(petrol, groceries, dining etc) use maybank amex card mostly for the weekend 5%....

hence, the above could be my best choice?

thanks for very helpful insights everyone

car loan finished on Dec 2013, half year already, should no more already.
also, have to stop apply card, ccris record too many card already

not really, if your income qualifies for a certain loan capacity (and you are still within the range) and your payment records are good, it won't affect.
however, it will somehow affect on your next cc application (rather than on car/housing loan) bcs you showed your desperation to get cc.