QUOTE(adele123 @ Oct 3 2014, 09:17 AM)
How did you apply it? if applied online got RM150. minus GST still have RM100. Free money, if me, sure take it.
Hmm, how do you define emergency? So, even if you go to supermarkets, you prefer to use cash? Even though you can use credit card?
I personally think there’s no harm in keeping (unless you are the indiscipline type, uncontrollable spending, then maybe abstain from credit cards, I don’t know) and there’s benefit cause at least for the next 2-3 months (according to T&C, ends 31/12/2014) you get some cash back from buying air tickets online.
T&Cif don't like, can cancel next year.

I din apply it but CIMB officer called me...
Emergency like unexpected situation need me to go back or somewhere then need to book online air tix and fly on the same day. Since i am working far away from my family.
I don't spend much money on grocery atm since i am living alone..
True there is no harm of keeping it since it is waived. correct me if i'm wrong
As long as my spending on track and set up priorities i think should be ok

i hope so...