Was in my consideration last time before OCBC reduced their 5% cash back, but after calculations, I take WISE instead.
If not a heavy user, UOB are not a bad card. Just that the setback is the limitation are a lot and can't suit my spending.
With your pay, apply for classic should not be a problem. I already owned quite some bank's CC before but till now I still can't apply for HSBC's classic card.

Which card? can recommend? I have ocbc titanium and I just get my wise card this month. I applied watami but kena reject .

if you already have hlb wise and ocbc titanium and mbb2cards, the next still aeon watami...

I will try to apply again maybe next 2 or 3 months. But now they are hardselling their New AEON card... not sure if watami will be discontinued or not.

haha. enuff already la

btw ocbc titanium got what benefit a?

Haha... previously you said should get better card ma. So I thought you got better lobang. OCBC 1% unlimited loh... after I max out those card with cap, and places not accepting AMEX, will go into OCBC.

but 1% is no limit right? spend 2k only got rm20? hmm

yup... when mbb2 and wise max out, ocbc is better than other card that gives only 1x point (equivalent 0.4-0.5% cash rebate).

Hi guys,

From where can I check the statement, bill and etc dates for the cards? And which date do we have to abide to pay the bill in order to prevent any interest charge? And I know we can change the date to suit our pay day right?

One more thing, do I need to revert back the yellow form (where the cards stick to) to Maybank?

I just received my cards yesterday =)

This post has been edited by HeReLiSm: Apr 23 2014, 03:39 PM

sorry I dont quite get it. let me give my real example.

my statement date is 3 april. payment due date 23 april I swipe on 15 april and 19 april. so how many days free interest for these 2 transactions?

20 or 21 days based on the T&C, I always get wrong on this
15 and 19 transaction will be on next month's statement.
To make it simple, pay what statement states and not pay as you swipe
That's the advantage of CC

This post has been edited by supersound: Apr 23 2014, 03:18 PM

your swipes on 15/4 and 19/4 will be captured on 3/5 statement. so you need to pay by 23/5 for that 2 transactions.
20 free-interest days start counting from your statement date. so if you swipe right after your statement date, you will have more than 1 month to pay it.

This post has been edited by victorywp: Apr 23 2014, 03:24 PM

15th apr and 19th apr transactions will be in the next statement date, means 3rd May.

When the statement date comes, you have 21 days free interest, which means u have to pay your full amount according to the statement, on or before the due date, which is 23rd May.

By general, banks will tell you 21 days free interest. But if u want to count it to be more specific, your 15th apr transaction will have 18 days (until statement date) + 21 days (due date) = 39 days (current day takes into account).

So that means we will always have more than 21 days free interest unless we swipe ngam ngam on the statement date right

yes, minimum 20 free-interest days.

Yes!
If u swipe ngam ngam on statement date and pay ngam ngam on due date, u have 21 days interest free. (Minimum)

If u swipe 1 day after statement date and pay ngam ngam on due date, u have 51 days interest free. (Maximum)

*Off topic: business credit card will have longer interest free days.

how come i did not receive any sms on that?

i just received it...

but i already spent at one utama on 21/4 with 2 bills...
1 bill rm260 and another bill rm380...
if only i received this earlier...
then i can make sure i get 4 pcs...

If use amex pay online with foreign currency, there is a additional charges?