So, you know how some credit cards gives extra points/entries for their campaign when say spending overseas...

Since with online purchase nowadays, would agoda paid in foreign currency be considered as oversea spending?

My question is actually, will extra points given for online spending?

have you tried paying air tix, not mas or airasia, (in foreign currency) with MBB VS?

For supp card, do I have to call in to call centre, arrange for otp to send to supp card's mobile number?

It's cimb bank cc, btw.

I have a question on supp card. Say my original credit limit is RM5,000. when i applied for my supp card, i assigned 1k to my supp card. and that 1k comes from my credit limit correct? This is my understanding on how it works.

Now in my cimbclicks.

I can see my credit limit is 5000 - 100 =4900 which is my current outstanding.

for my supp card it is 1000 - 200 = 800. current outstanding of the supp card limit

What i'm seeing here is as if i have 6k credit limit including the supp card... Can anyone clarify for me?

Er... there were two options.

1) assign credit limit
2) share my limit

i chose option 1.

This post has been edited by adele123: Apr 14 2016, 01:56 PM

I don't like cimb but since I don't know if my uob vox is approved or not, I gotta keep cimb for another 2 months. I have been paying outstanding a few months, then suddenly got charged finance charge for my february statement.

Complained, they reversed the finance charge. CS say maybe cause I didn't clear statement balance. But seems like you are doing that and still fine.

Yup. about 95%.

Need confirmation on supp card payment.

i would only need to transfer from my account and GIRO to the principal card number the full amount (principal + supp), correct?

Thanks both. it's cimb btw. appreciate if you have the past experience. else i will call in tomorrow.

Is it necessary to call the banks nowadays, before going overseas?

abit serious note: I think we should be more objective about this. while i like to swipe my credit card around, those merchants who charge you 2% or wants minimum payment is because those are their additional expenses when you pay credit card, compared to paying by cash.

places where they don't care, probably already priced it in, making the goods & services more expensive than it should be, and you spend more.

I understand, and agree. It's not right. And should report.

But as a consumer, say the shop sell this item, rm100. Pay by credit card, 102. Instead of explicitly charging, now they sell the item rm102 or higher,say rm105. Then as a consumer, we lose in the end. Anyway, this 2% thing should slowly disappear, as bnm is planning to reduce the fee banks earn from card transaction, to increase usage of card transactions. In the end, all banks cut card's benefits, we end up with cards with lesser benefits.

Just my pov for discussion.

actually nowadays, the cards come with paywave function. if confirm they have the contactless function and what you buy is less than 250 (or is it 200?), then i think you don't need to worry about 2 and 3.

You can check out maybank ikhwan petronas, citibank cash back, uob one card, maybank ikhwan master.

If you pay in rm yes. I just kena.

If you pay in non-rm, wont kena, but cimb charges 2% on forex.

So... I chose rm. You dont need to choose paypal. Just choose to pay in non-rm. It is only chargeable if you pay in rm.

i'm not loyal to my credit cards... if they charge annual fee, i cancel... so yes, i have not paid for annual fee ever before...

This post has been edited by adele123: Dec 28 2016, 11:29 PM

As far as I can see, legit company. They are abit slow in giving gifts I think to be fair, they need to confirm few details with the bank before they can furnish you the gifts.

Safe? Well, ringgit plus will have your details and I dont think something like identity theft will happen cause they are a registered company. Worst case I guess is that their sales team call you to sell you stuff, especially insurance?

My opinion is, hlb essential, alliance younique or ocbc 365. They all offer tier based cash rebate for all retail spend. The highest effective cashback will depend on how much you spend. Happy researching.

Does credit limit available (but not used) plays any factor in loan application?

It's already out officially, i believe.

There's advert in the star. quick summary of benefits that i managed to get from the advert.

Quantum Visa 5% Cash Back for Departmental and Entertainment
Quantum MasterCard 5% Cash Back for online and dining

Cash rebate capped at RM30 per month.