Free petrol > CB

Sadly, this card did not get me any rebates for the previous month :/

Company paid for travelling so I swiped in on the Signatures instead.

Nope.

HLB or UOB is your best bet.

#TrueStory

Either convert / put in more money

Usually put in money works fastest.

It's Ikhwan.

You will transfer the RM 800 to your new card.

You can either

A - Settle it lump sum.

B - Convert to installment under Ikhwan.

Shared limit la..

If get separate limit, i apply additional 2 supplementary then my limit ma x4?

It's shared with the main Card.

Let's say your main is 10k.

You can either let your main card and sub card to have a combined limit of 10k or you can reduce the sub card to a limit you prefer.

MBB very kind one.

They won't send you the Zing card unless you personally requested for it.

Thou I have to admit la, the Zing card's really helpful since I travel a lot everyday.

No need to worry I can't go through any toll plaza anymore

Got difference.

Color difference.

In principle approve coz system see your salary > threshold

Just checked my ikhwan and I got MYR 14.50 back for last month

Highest ever CB on Ikhwan since I got it.

Poor card, highly dormant now.

No tax is applicable for the application of CC anymore nowadays.

Annual fees got la, but MBB's card mostly free except for their VS line-up and Amex cards.

Well, you can show them the T&C

If they refuse, call the manager come and politely explain.

Some staffs are part timers and have no info about such promotion.

If all else fails, just contact TGV directly and rant.

Pretty sure they will reimburse you somehow.

I have written previously on Lowyat have to get your 6% upfront/surcharge waived and the merchant fined by Merchant Provider / actions taken by BNM if you search up my post.

Additional charges to installments are not legal and there's rules to govern such behaviors. It's up to us users to combat such surcharges and make sure those people are punished.

Side note : I have never seen any form of surcharge/upfront payment when I was overseas travelling. Paying a lump sum or installment yield the same nett effect. Either you cough up now or 6 months later.

Side note 2 : If the seller are GST registered, charging you additional 6% may cause their system to haywire, thus under / over capturing the GST amount. If you have enough free time, go ahead and complaint to Customs. They will definitely investigate since it's a chance to fine people 10~whatever amount they want due to violation.

Again, I have to shamefully admit that I did such things before and Customs did take actions to investigate

This post has been edited by chiahau: May 3 2016, 08:21 AM

You can complaint to Customs as well.

Say they try to avoid GST ( Even bigger sin according to Customs officer )

Confirm within 1 week will kena audit.

Assuming :

Product A - RM 10,000 after GST

Upfront / Surcharge - 6% on the full amount after GST - RM 10,600 ( RM 600 = 6% surcharge )

On Tax Invoice - RM 10,000

On CC slip - RM 10,600

Gst Paid on based tax invoice - RM 600 ( 6% from RM 10,000 )

Gst paid on calculated from CC slip - RM 636.00 ( 6% from RM 10,600 )

Technically, they underpaid RM 36 for GST if they were to swipe 10,600 instead of 10,000.. You can always argue + CC slip =/= Tax invoice - Disputable.

Consumer will win if they know what to highlight to banks / BNM

Lower than RM 50, to be precise.

Yeah.

But since I travel a lot and don't really have the time to reload manually, I seriously appreciate this card.

No longer need to keep track of my balances esp when travelling