Good to know this

Ikhwan got no TPs but dual cards still have, so in some sense we still need to keep.

Is it? But it never mentioned on the T&C, maybe never check properly.
Even if so, AMEX still giving 5X, which is the reason I'm still keeping it. Maybe can cancel the other mstercard

Yup, that's the card that i intended to cut, but the fficer said cannot
So still have to keep them since I still got 5% of dining cash back.

There's another way, own self cancel and throw it to rubbish bin

Well, the chip will be in recycle material box that will cut in to 4pc, magnetic strip will be torch it and soak with oil before enter rubbish bin. As for the numbers, a Dremel tool should do the trick

For sure, multiple protection against fraud

Spending to get a chance to "strike" lucky are another form of gambling.
But just that it being twisted or being legalized.

Well, is up to us how to judge it. Even in Middle East they are using "lucky draw" to attract people. My friend was lucky to get the grand price of Audi A7.
No need to force your self on this card, since it has no AF.
You only need to push to your limits if that cashback card comes with T&Cs and AF, like HLB's STUPID card. Now I'm hoping they revise the benefits so that i can just cut the card.

I also seldom bring cash nowadays. Now back to past, using barter system.

Few cents only, next time try to make rounding up amount or make it burst by rm0.10-0.20

Aeon 15/16, AeonBig sure get, Sam's should be, Guardian, Watson's should be not.

Petrol pump terminal is charging rm200/250 as default authorization value. This is the main difference between this and normal credit card terminal.

After cash back yes, without cash back nope, Chinese medicine shops are cheaper when you know the place.
Speaking of this, price increased

Yes, technically, but keeping extra cards, extra risk if you lost your wallet.

Well, for formula milk, no direct answer, now I boycott them because they simply increase the price
Adult milk powder indeed 99 are way cheaper

I already said is the chinese medicine shops. Also you can't swipe card, so better go 99 near my house, like they said : dekat lagi murah.
Just too bad certain items(like milo) they never do offer. And even if they do offer also, you won't know until you are there

This post has been edited by supersound: Jan 19 2016, 09:31 PM

For me, is good to share which shop are doing promotions, so we can stretch more on our cash back cards
Should start such thread, bring more value for current difficult times.

Better call CS and ask properly, if you intended to max out the spending just for once, can ask for temporary increase of CL, but if you always swipe out to the max, better ask for permanent increase.

rm0.10 is a bit also, I think such statement of "a bit" are quite misleading.

A lot of people always use "a bit", proper way is using %. If a particular bank allows card holder to over spend 5%, it will be depending to the card holder's CL. Like my CL now is rm20000(which they increase it without my knowledge), I can overspend by rm1000, so rm200 I can just simply says "a bit" But another person that having low credit limit, it may go beyond this threshold limit and get penalty.