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Credit Cards Credit Card v20, Post/Ask general questions here, Please read post 1-3 before posting, tq

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ClarenceT
post Dec 8 2018, 08:33 AM

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QUOTE(charlesj @ Dec 7 2018, 05:04 PM)
How about MBB VI? Are they going to deduct your TP during GST refund? Anyone tried?
For point based CC, so far tested with Ambank & HSBC, both ok.
Also, you can't GST refund into BigPay.
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QUOTE(mamamia @ Dec 7 2018, 08:13 PM)
Why avoid BP for tax refund?
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The wallet size is only RM10k, maybe too small and too risky for VAT/GST refund. (if BP is allowed)
ClarenceT
post Dec 14 2018, 12:27 PM

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QUOTE(RichardN @ Dec 14 2018, 11:38 AM)
Recommend cc for me please

1. Annual Income: RM80K to RM90K

2. Annual Fee: Preferably Free For Life

3. Card required for: Method of payment, preferably those comes with free lounge at airport

4. Existing credit cards (if any): RHB, HSBC

5. Interested in CC from: Any bank

6. Others: Cards that Applicable for Foreigner
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As existing RHB CC user, please check with RHB Card Centre if the foreigner (earning >RM80k, submit your latest income documents) can get RHB Visa Signature or World Mastercard. 5 entry (Per Year, Per card) to Plaza Premium Lounge.
ClarenceT
post Jan 3 2019, 01:21 PM

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QUOTE(nuar1984 @ Jan 3 2019, 01:15 PM)
Hello All,

need urgent advise, i am in need to use cash advance for work purposes and planning to pay on the next day it self, however i was informed to wait for the statement to come out 1st before i make any payment, is this true or can i just pay off whatever that i used the next day,

i want to avoid the day interest charge for Cash advance if possible, i have called to CIMB call centre and was told to wait one day before making any payment, if i made payment on the same day it would only pay for any outstanding that i have in the account but not the cash advance,
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Avoid Cash Advance, 5% Fee!
ClarenceT
post Jan 11 2019, 07:48 AM

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QUOTE(alex2009 @ Jan 10 2019, 04:41 PM)
My retired uncle wish to apply a credit card, but his only income is FD interest.
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FD interest is an income, no problem to get more than 2 credit cards if the interest income > RM36k in 1 year. No need to pledge FD.
His main concern is the age - not older than 65 years old.
ClarenceT
post Jan 18 2019, 11:00 AM

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QUOTE(real55555 @ Jan 18 2019, 10:48 AM)
So its the first month of the year and its the time to pay those government cukai pintu, tanah etc

I used to use Hong Leong Sutera to pay on weekend, because they used to award 3x points on weekend on all types of transactions, guess they have ammended it and no point awarded now for these payments.

1. So would like to ask all experts here which card best to use for these transactions?

p.s. I also just got my cimb enrich credit card last month and according to their ongoing programme named "CIMB Enrich Acquisition", spending 3k/6k/18k within 2 months of approval date will be awarded 10k/30k/60k enrich points respectively which is very generous. I've read through the terms and conditions and government spending is not excluded from the calculation of the spending, which I found quite surprise because they excluded insurance and takaful expenses but not government charges? hmmm...

2. So my question is anyone able to clarify on this? Will reach 18k easily if cukai pintu can be included in the spending.
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PB Debit, till March 2019.
MBB FCB VS, up to RM2500 /month.
HLB Wise, RM1000/month
RHB VS/WM, to meet spending requirement.

This post has been edited by ClarenceT: Jan 18 2019, 11:02 AM
ClarenceT
post Feb 15 2019, 01:41 PM

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QUOTE(yongs90 @ Feb 15 2019, 01:20 PM)
which can i use for petrol?
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JOP gives you 15% on Petrol.
ClarenceT
post Mar 4 2019, 12:12 PM

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QUOTE(rikimtasu @ Mar 4 2019, 12:04 PM)
Hi there. currently hold a UOB YOLO card for 8% cashback.
Should i get PB Quantum Card for other area cashback? Only reason to get it was for free gift really
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Why only Public Bank Quantum Cards?
You should apply all the CCs including Ca-pa-lang ones. tongue.gif
ClarenceT
post Mar 5 2019, 07:59 AM

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QUOTE(Vint @ Mar 4 2019, 09:39 PM)
Hi, i would like to ask, if we make full payment prior to statement generation date, are we still entitle for the cashback ? or will it be nullified
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If CIMB Petronas CC or CIMB Cash Rebate, you shall not pre-pay. You will get less rebate if your statement balance is less than RM3000.

ClarenceT
post Mar 5 2019, 12:30 PM

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QUOTE(lolokzarecool @ Mar 5 2019, 12:19 PM)
Hi all, Want to ask usually if apply credit card how long it will take to be approved and card ready? Like if i apply today (Tuesday) will take how long to get the card?
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Which bank? How you apply?
ClarenceT
post Mar 5 2019, 01:57 PM

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QUOTE(lolokzarecool @ Mar 5 2019, 01:48 PM)
I applied straight at the branch with all the needed documents,epf,IC photostat all.

Public bank quantum card. Planning to call and kacau them everyday.. Trying to get it before next week Friday. Do you think its doable ?
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The branch cannot approve your application and they will send all the documents to PB Card Centre.
It will take around 2 weeks for processing and 1 week for delivery.
You can call 0321768000 IVR to check your application status by keying in your IC number.

ClarenceT
post Mar 11 2019, 11:08 AM

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QUOTE(avinlim @ Mar 11 2019, 10:59 AM)
I called to terminate the cards, but weird they do not remove it completely for all the card I have cancelled. Need to call twice to remove it from account every time we cancel our card ka ....  rclxub.gif  rclxub.gif  rclxub.gif
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I have long list of cancelled cards (cancelled 10 years ago +/-) in my RHBNow and M2U. No problem for me. devil.gif
ClarenceT
post Mar 11 2019, 11:28 AM

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QUOTE(avinlim @ Mar 11 2019, 11:14 AM)
my concern is if they still appear in your account even you have terminated long ago, does not consider as terminated, and you can still some how call to reactive it.

and does not eligible to apply as "new" cc in ringgitplus for free gift.
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You think too much.

You cannot see from M2U/RHBNow/CIMBClicks etc doesn't mean your past record is permanently removed from the bank's system. It is hidden only not removed.

No issue to apply for new card under New-To-Bank scheme, if the previous one is terminated > 2 years (shorter for some banks). For your info, I had my new SC CC approved in 2018, but my new CC shows "Member Since 2011" (my previous one but cancelled in 2013), SC still gave me RM500 worth of Grab vouchers as new cardholder.
ClarenceT
post Mar 20 2019, 03:54 PM

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QUOTE(MGM @ Mar 20 2019, 01:35 PM)
What is the best CC for cashback in purchasing from MAS airline?
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Use M2 Amex, 5x Treatpoints (1%)
You have Bigpay, so online 1%/2%/5%/6% is not relevant to you.

ClarenceT
post Mar 20 2019, 07:57 PM

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QUOTE(Financier @ Mar 20 2019, 07:12 PM)
Hmm not sure if ptptn accepts amex...

I got a plan.. ill use mbb 2 gold to pay ptptn for every other month except may and august..

For may and august ill use maybank fcb Barcelona

biggrin.gif
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You better use your FCB VS at the places not accepting Amex in May/Aug, ie use M2 Amex to pay PTPTN.
ClarenceT
post Mar 22 2019, 05:30 PM

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QUOTE(scriptkiddie44 @ Mar 22 2019, 05:16 PM)
One more question, since I am qualified for M2C Plat, if I want to upgrade my Gold to Plat, will the FD still tied to my Plat card? Or it's treated as a different card and I can terminate the "tie" between the FD and the card?
Anyone having similar experience?
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Your credit limit is "tied" to the FD, not any of your cards.
Cancel your credit limit then reapply a new CL.
ie cancel all your Maybank CCs and apply for a new CC a few months later.
ClarenceT
post Apr 9 2019, 03:58 PM

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QUOTE(kitchong @ Apr 9 2019, 03:22 PM)
I’m using Maybank 2cards Gold Card (VISA and Amex). My unifi payment is tied to the Visa Gold Card. I am thinking of applying Platinum Card because the gold cards are eye sores inside my wallet (annual income 140K). If I apply new card from Maybank and wish to change the unifi payment from the current gold card to the new platinum card, will Maybank do it for me or I have to go to unifi to make the change?
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Why not use Amex for direct debit? 5X TP (M2 Amex) instead of 1 TP (M2 Visa).
You can manually use Maybank2u (Bill Payment) to pay Unifi on Saturday or Sunday to get 5% weekend rebate + 5xTP.
TM had removed incentive for Direct Debit (No longer -RM2 if direct debit amount >RM20).

ClarenceT
post Apr 10 2019, 01:33 PM

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QUOTE(fag bro @ Apr 10 2019, 01:29 PM)
yep, now can pay unifi, electric and water bill with amex on the weekend to fully utilize rebate and point
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Can use Amex to top up Boost, then use Boost to pay Unifi, Electricity (SESB only), water bills (some water boards only), you get extra rebate from Boost's shake reward scheme. biggrin.gif

ClarenceT
post Apr 11 2019, 10:02 AM

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QUOTE(se800i @ Apr 11 2019, 09:18 AM)

no harm to try ... Just submit your payslip.... Last time CTB also did the same and I submitted my payslip then get to increase limit liao
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Very annoying receiving calls, sms and emails.
I am not interested to increase Credit limit or take up any personal loan or buy any insurance.
ClarenceT
post Apr 12 2019, 10:49 AM

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QUOTE(laymank @ Apr 12 2019, 10:38 AM)
that seems to be a sudden surge of trend when banks and their affiliates started to call/sms us to offer personal loan, cash advance, balance transfer, etc. It just seems that our personal info are scattered all over the markets liberally.  cry.gif
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My block list is getting longer and longer till someone have been giving up using desk phone (03xxxxxxxx) and use his mobile number to call/sms me. tongue.gif
ClarenceT
post Apr 12 2019, 11:23 AM

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QUOTE(se800i @ Apr 12 2019, 11:16 AM)
I think must be the bankers leak our info out.....
How to block? everytime using different number to call me.... sigh.... The only thing is dont answer the call lo....
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Eg Standard Chartered +60327195299
Check the feedbacks at https://whocallsme.com/Phone-Number.aspx/0327195299
before block the number.

You can add this number +60327195299 into your phone's block list.

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