QUOTE(supersound @ Apr 18 2016, 02:33 PM)
Is mainly even after pay AF, the cash back still > 5%, else early early I dump this card.
Only my "1st" year I get true 10% of cash back since my 2nd year AF also waived
Remember, from the beginning there's no 10% cash back to start with.
QUOTE(supersound @ Apr 18 2016, 02:41 PM)
When we can think like this, then we won't feel butt hurt.
Simple, if you spend using cash, the risk is you may get robbed or injured, worst case, robbed and get killed
If not on this also, for every rm1 you spend, the value are rm1.
With cash back card, you only pay rm0.95 or lesser for every rm1 spent.
If some jokers still feel butt hurt on this, go back to old life and don't apply for any credit card and use cash only

QUOTE(supersound @ Apr 18 2016, 04:17 PM)
On your 11:22am reply is already a clear cut that you are butt hurt, simple as that

QUOTE(supersound @ Apr 18 2016, 04:19 PM)
That's the power of speculations
No speculations = no life
Some just like to simply speculates and get attention. For me is better if they were to revise the cash back, so I can change card again.
Read here on multi-quote
https://forum.lowyat.net/index.php?act=faq&article=10