How about tesco giftcard and giant giftcard ??

tesco voucher = 1 year
giant voucher = 6 months
mydin voucher = 3 months
aeon store voucher = lifetime
aeon big gift card (aeon big has no voucher) = lifetime

only activate when want to use.

if you buy in bulk, you can say you are giving away as gift and will activate later.

if you buy in bulk, you can say you are giving away as gift and will activate later.

Any idea whether Starbucks Coffee is considered as Dining?

If you end up keep on buying gift cards, that's means you can't hit the max cash back all the time. It is not a good way as you end up stocking the cards
Unless you have plans on buying big and expensive items, then is worth to do so. But then I see AonBig's electric appliance's price are not that attractive.
For me, I never stock pile my cards, instead buying detergent and Milo then sell it out at the original price I bought. Makes more sense as I'm making money

If you end up keep on buying gift cards, that's means you can't hit the max cash back all the time. It is not a good way as you end up stocking the cards
Unless you have plans on buying big and expensive items, then is worth to do so. But then I see AonBig's electric appliance's price are not that attractive.
For me, I never stock pile my cards, instead buying detergent and Milo then sell it out at the original price I bought. Makes more sense as I'm making money

Indeed so, but at 10am I bought it, by 12pm I'm getting money back already.
Traditional coffee shops would like to have them

Yup, I never spend money on those chemical coffee franchise shops.
If I got them for rm30, I sell 1 at rm30, 2 at rm59.5(sometimes). Why they still willing to take as they no need hunt for them

Did you fulfill the 12 swipe in 12 month for the GSC? If yes then defenately you can waive the GSC card AF, if not then you have no choice but cancel both WISE and GSC card. As you can't cancel only one of the combo card.

Apply combo card can get free gift like car recorder, Tower Fan. But many here i believe they get their combo (Wise+GSC) because of those unprofessional card agents that add in the comba for for them when they just apply for wise card.

Apply both wise have no benefit for the cash back as it's capped at Rm100 for principal only. So no point to get 2 wise card

Must cancel the Wise Plat.
Annual fee is high 

Hooray! They mistook your downgrade as a new application!

thank victorywp

you are the expert   

yo got the recorder ady?

i am one of the second year annual fee waived for wise card. my third year annual fee cannot be waived. then i cut the card alr. after one week, cs call me to confirm the cancellation. then she persuades me not cut the card and tell me if i pay the annual fee and gst, i still can get 8.25 percent rebate for rm1200 rebate per year . however, i still cut the card since she didnt waive the annual fee to my third year.

i also tell her to change policy for 8 percent rebate and dont charge the annual fee and i will maintain it. and she just laugh. finally, say byebye to my wise card which with me for two years.

howver, my wife will apply the wise card after gst implementation. i will be bc soon.

merchant confirm the payment yesterday night and reflected in their system but why hlb say still pending the confirmation from merchant now?

is it safe to assume that it will be posted today?

@#%$@#WU@#(%Y@

digi via uobpayonline lor 

paid on 26th, merchant confirm payment on 27th but until now not posted.

he clearly mentioned that his wife will apply the card. why must say he use other people's name to apply? and why must you interfere other people's family matter by asking him not to use his wife's card even if she accompany the husband and allows it?

i know it's off topic but...

i bet they are loads of people out there "lending" their credit cards to people they trust, especially loved ones... So? i do that too. i don't call in to banks saying fraudulent transactions. it is definitely possible for a wife to let the husband use it.

for this issue, i won't say can or cannot. it's up to the cardholder to judge whether to allow or not.

what i can say is the bank won't bother to know who is using the card as long as they receive payment for the amount being swiped on your card. what they don't want to get involved is when one day you come to report to them saying that you did not swipe your card (it is your wife who used your card) and you are not paying for it.

so, if you don't trust your wife, don't let her use. if you don't trust your wife but you still let her use, then you must pay for whatever she swiped (if she doesn't pay back to you or to the bank), and don't go complain to the bank.

there is nothing illegal here. you use your wife's card and you pay back to her or to the bank on her behalf, or vice versa. illegal thing only happens when someone use their spouse's card but not paying for it later on.

so, if you have relationship problem and unable to trust your wife, that's your own family business. fix your relationship rather than coming here to ask people not to trust their spouse.

as i said, banks do not want to get involved with complaints/reports that you do not use the card (but your wife did) and you are not paying it, which is why banks always have that clause to put the cardholder to be more responsible to his own cards.

but what i want to highlight to you that it is not illegal as long as you pay for what you spent with your wife's card, or vice versa. the problem always come from those people who allows their partner to use their card but later regretted and filed a dispute on fraudulent charges. so, as long as you know what you are doing and you are paying for what you are using, there is nothing illegal.

what is the "impact" and "suffer" you are talking about? banks know about all these but they would not take action by terminating your cc or charge you with anything. banks also just doing business, if you are a customer who is actively using their cc and they have no problem receiving payment from you,  do you think they will go and check on you and then terminating your cc and put you to jail,  just because your signature is different?

i pump petrol on 31st mar....

I have more than 10 x transaction, and my cb not max out yet for march

so let's wait and see if the cb will be for march or april.