diff people diff preferences

for me.. even rm100 x 12 makes no difference.. why so care of rm1200 even they gave u annual fee for free?

i have so many cb credit cards from all banks.. every time i use them i just simply take one out and swipe it.. i wont make myself so stress and remember which cc to use.

just remember groceries for this card, petrol for that card, etc.. rest i don't even give a f on it..

if the bank want to remove, go ahead la.. its not like the bank gonna loss profit and neither do i will make a loss too..

so use ur cc like a boss , dont make the bank as ur boss 

If annual fee is in may, should we stop using the card now and wait till 28 for the cash back for last mth to be reflected before cancelling the card. If use this mth then need to wait till 28 may which the annual fees might be charged already.

My chosen categories for WISE cashback are grocery and departmental.

10% cashback are still given to any grocery transaction performed during this month (April), as long as 10 times RM 50 transactions are completed within a month, right?

The new terms and conditions for this card is still not in effect, right?

Thanks for the info.

Chinese proverb "There is no wave if there is no wind" haha 

if u have max out 100 every month, meaning 1200 per yr i see there is not a problem to pay for small fees of AF

and there is no any official announcement out yet

the AF is meant for the following year so if they are to change the benefits, there are reasons to be worried about.

I like this idea. 

thats why i say AF is very little compare he/she can get cb 100 every month haha..

yes if u have 1 child for example.. go for groceries 1 enfagrow 1.7kg cost u above 100 easily

1 month 2-3 tin.. the rest milo and other like fruits vege horlick

easily achieve 1000 groceries per month

not to mention drypers and other necessities

so overall paying AF is far worth 

I dont think you guys get what I was trying to say. I did not say the AF is a lot nor little. What I was saying is that if the benefits are no longer there, I won't be sentimental to try and keep the card regardless of the AF is RM100 or free for life.

How do you know it will not be there when there is no official announcement? It's not a loss again to keep for 1 yr even if they amend any changes.

hi fellow wise guy

what is the adjustment they going to make? from 10% to? just notice essential card from 1% to 0.6%

@supersound

I have been monitoring your posts and I'd suggest you to be more responsible in the way you dish out your sentences. Often your replies are not based on facts that will be helpful to our readers and this raises my concern given the frequency that this has been going on.

I'd strongly advice you to rethink the way you are posting in this section and please take it seriously as the next step will be consequential management. The choice is yours.

Same goes to other forumers when I read their post ....    
Guess soon my fan club will reopen again 

The whole thing begin with "multi quote" by some arrogant forumer. He will make use or to be exact; "abuse" the report button constantly/periodically !

You know.. sometime we could not just use the "multi quote" function as we are catching the time, buying the ticket while replying, watching movie and many more unforeseen locus. Of course, if the particular forumer request us make use the 'multi quote' function, he should bring the matter into PM (that is the function of PM, make use of it) !

Sometime we might have different opinions/suggestions/point-of-view. But if one could not agree with each other, i see no wrong for a debate in a healthy way provide with facts. Sometime, we did mistake too; after all, we are a human. If one could not accept other opinion , that doesn't mean he could abuse the report button constantly.

I'd suggest you write an official email explaining the whole situation with screenshot if you felt the post browbeat you directly or indirectly. At least, that is what i did when i felt i was right and offense no one nor against any board rules.

Sorry for the long post and for the OFF-TOPIC post.

Thanks!

If there's no smoke then there'll be no fire.
Despite your rant, it doesn't change my stand. It is your choice to repeat your folly - just try me.

@aromachong. I'll appreciate if you will not be judgemental to another member of this forum. That person been around longer than you are and his history of character vs. yours. I'll not hide the fact that I have received many complaints on your conduct/posts and I took the effort to observe rather than reacting right away. If you wish to defend yourself ... I'll suggest you start deleting all of your offending posts (hundreds if not thousands) - they are evidence that speak for itself.

Gentleman (or ladies)
I'll suggest that this ends here and you guys start afresh/anew. I won't repeat myself.

@supersound ... your sarcasm merely tickles me. So I want you to obey by shutting your nonsense, can you do that ?

Hahaha .... ask any of the senior contributors here - I don't care about earning respect (I think some seniors can vouch this) and I have a fan club to boot. I am myself and that's my identity.

The guidelines in this section applies to all and even the seniors are not spared. It is not solely my own opinion that I made that statement - there's a collective opinion on the subject matter. I merely delay conveying it and I choose to state it publicly rather than via PM -  voicing it out publicly is my choice.

Good if you know you are in a serious thread. Let's move along.

I'll say this for the last time ... mindful of your post. You seem to have problems understanding this.
If you have issues to follow rules then find another forum to post.

Keep your respect to yourself. Nobody here wants it let alone me.
Let's move along.

Hi, I applied credit card but got rejected by the bank lately.. called the bank they said the issue is high commitment i think because of my house and car loan.. i want to ask if i applied again and attach with my fixed deposit will it helps? or will get reject once more?

Both car and house is loan by maybank.. The card i want is this wise card.. Hmm.. I apply for cimb too and got rejected oso.. So now i only can get maybank cc?

Thanks a bunch. Just got the card, trying to squeeze 10x this month.

5 days? their cut off day is 25th? not 30/31??

how about if we pay through maxispay, i make it as 10 transaction, each transaction rm50. It is free category, so I can do so and entitile for 10% rebate right

any different between paying uobpayonlien and maxispay? because I saw second post, ppl still getting cashback