Good for you.

My loan is not with them though my salary goes to them.

Anyway, I will not pledge for FD unless it is really necessary, let's see how it goes later.

But you get to enjoy it one year. Imagine if you could maximize the cash back and get RM 88 per month, one year already earned RM 1056.
Minus the AF of RM 800, you still earn in a way.

If I get it, I will say take first and worry later.

I'll ask my colleague to apply one since MBB2Cards no longer has any benefits. She is an expatriate and earns >120k per annum. I can suggest this to her.

This post has been edited by fruitie: Jul 16 2015, 05:12 PM

Ok, I mixed it up then can earn more.

My HR Manager walked to me and asked about CIMB card benefits because she knows I always do research on CC.

I told her it is basically useless, don't waste your time with that. Her savings account is in CIMB and CIMB called to offer her a credit card which she doesn't get the name. I suspect it could be WMC or something premier.

Her income is around 300k per annum but seldom travels. So, I told her to apply for MBB VS and PBB VS since she uses it for groceries and petrol mostly.

The worst thing is she is only holding Citibank Cash Back Platinum.

Oh God, I was like why? Now she knows already and will apply for MBB VS and PBB VS and I told her about the RM 50k spending for MBB VS, she said shouldn't be a problem for her.

Yes, supplementary also 5x.

No more Government Service Tax, that means no more RM 50.
However, this GST is Goods and Services Tax, that means RM 550+6% = RM 583

Nope, you can't.

CIMB has Border Charges for Apple Store because it is from SG Apple Store.
I was busy purchasing few units of iPhone 6 and 6 Plus last year when it was released, many reported in the iPhone thread about this matter.

Of course I used AmEx that time, earned TP and CB.

Probably but my point is don't use CIMB CR for this transaction.

70k? That's good.
I still saw 100k in their website?

This post has been edited by fruitie: Oct 6 2015, 09:13 PM

Thanks! Luckily I haven't decided to pledge FD yet. Can apply now.

30k is probably achievable for me.

Aiya, everyone has their own preference la.

Like my case, I travel for business very often. Once every month to overseas but I won't really be benefited for this because I have a corporate credit card supplied by Company that we need to charge business expenses to it. Only my own expenses I will use this VS if I apply for it.

As for my petrol, Company gives me a fixed allowance every month, I use or don't use I have RM 700 every month. So well, just choose whatever is the best for you.

Yours different ma. Pledged FD for other cards and took up their loan, they sure treat you well.

Anyway, good for everyone now.

That's never a brilliant idea. Imagine if everyone does this to avoid AF?

Free waiver as in spend enough to get it waived?

At least there might be a possibility.
Good to know that.

People don't apply this card solely for PPL purpose.
What did you gain in condemning others? They have their own preference and you have yours, I have told you few times about this. Don't try to trigger my anger here, I have been patient enough with you but remember patience has its limit..

They want to spend more to waive AF, they want to pay AF, it's their freaking money. Does it hurt you? Do they ask the money from you? This card has its benefits for groceries and petrol. They know what they want and you have no rights to question nor condemn others.

This is my last verbal warning to you and refrain yourself from posting unnecessarily.

Can always get a supplementary card for your partner if that person always travels with you.