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Credit Cards Hong Leong Bank Wise Credit Card V7, 10% Cashback , Up to RM100 per month

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ckuanglim
post Mar 24 2016, 04:13 PM

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QUOTE(LostAndFound @ Mar 24 2016, 04:10 PM)
Why both of you don't understand the cash value of the points?

When the price of petrol goes down, the exchange rate of points to cash does not change.

If I give you jave 3000 points for RM45 petrol now, is there any difference you use it to buy petrol now and later? Come give example again, let's say today is RM1/litre, tomorrow is RM2/litre.

Let's say you pump today 45 litres and tomorrow 45 litres.

Scenario 1:-
Use the points today (since today is cheap!). Tomorrow you will have to pay RM90 cash.

Scenario 2:-
Use RM45 cash today. Tomorrow you will have to top up RM45 cash while using those 3000 points.

In BOTH cases you have used RM90 and all your points. The points are directly worth cash, you get the SAME cash value no matter if you use them when price is low or high.
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LostAndFound is correct. 3000 points can convert to RM45 petrol. It is always RM45 petrol.
I tried very hard to explain to my girlfriend as well.
ckuanglim
post Mar 24 2016, 04:59 PM

On my way
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Junior Member
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Joined: May 2010
Actually, when we redeem 3000 points to pump RM45 petrol, we will get 45 points as well.
ckuanglim
post Apr 25 2016, 04:26 PM

On my way
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Junior Member
595 posts

Joined: May 2010
I wish I can pump petrol for 6 months in advanced.
ckuanglim
post Jul 5 2016, 09:02 AM

On my way
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595 posts

Joined: May 2010
QUOTE(MGM @ Jul 4 2016, 05:55 PM)
Congrats u must be really good in managing your money but I am lousy at this Rm985 thingy.
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I am lousy too. But sometime RM900 to RM1100 are ok for me. biggrin.gif
ckuanglim
post Jul 5 2016, 04:35 PM

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QUOTE(MeToo @ Jul 5 2016, 11:41 AM)
Checked with Hong Leong yesterday... it seems "Hero" is not categorised under grocery. This sucks cause I pretty much go there all the time for my organic veg needs.

Anyone have experience with this?
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I always use my CIMB CashRebate in Hero, and I get 2% cash rebate. So I think Hero is consider grocery.
ckuanglim
post Jul 20 2016, 01:50 PM

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Junior Member
595 posts

Joined: May 2010
QUOTE(kevyeoh @ Jul 19 2016, 11:23 PM)
i think late payment a while is ok for TNB...i have so far occasionally pay once every two months...still ok...wont cut off your electricity...

i think late a few days definitely ok...
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They won't cut off your electricity. But They charge interest/penalty for late payment. Just a very very small amount. I ignore it.

This post has been edited by ckuanglim: Jul 20 2016, 01:50 PM

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