Refund = Void transaction

So no problem really.

But very weird for EPP to be swiped but refunded later

Another victim

So far I only pick reputable sellers at Gemfive.

Bulk of my CB from there

I know. I recently just move to GEM5 after Lazada failing me.



Luckily I'm not into such things..

Use milk-a-deal, buy from Expedia for 5% CB online and 8% CB from Milk-a-deal

Got almost 500 bucks back from Milk-a-deal so far, just need to wait 3 months per hotel stay

Most of my hotel stays are above RM 500 since sponsored, 8% gives back more than mere 55 and I don't get the 5% CB online since Booking.com is pay at hotel


2 - 3 weeks

This post has been edited by chiahau: Jun 5 2016, 05:27 PM

Time to get another LV

Thou I can honestly say, this card's likely to be cancelled the next year when the AF kicks in.

1% only? So cheap?

Was wondering where you get that 1% figure

Coz if it's 1%, I don't mind letting the bank earn 1% while i divest my money elsewhere to generate more than 1%

Disclaimer :

This apply to the forex rate, but the rate might not be accurate.

Credit card usually follows Visa / Master / Amex's rate which can be obtained from their respective website.

My recent travel has shown that CIMB indeed offers better exchange rate compared to other bank ( MBB / UOB primarily )