Wrong post
This post has been edited by Chiggah: Apr 25 2022, 10:19 AM
Credit Cards Credit Card v20, Post/Ask general questions here, Please read post 1-3 before posting, tq
Credit Cards Credit Card v20, Post/Ask general questions here, Please read post 1-3 before posting, tq
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Apr 25 2022, 10:18 AM
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Junior Member
460 posts Joined: Oct 2004 |
Wrong post
This post has been edited by Chiggah: Apr 25 2022, 10:19 AM |
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Apr 27 2022, 08:29 PM
Show posts by this member only | IPv6 | Post
#4502
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Junior Member
101 posts Joined: May 2008 |
helo sifus. looking for ways to get credit card points (besides buying stuff of course)
last time we could reload ewallet with CC, then cash out, but now most CC dont give points for ewallet top ups. what other ways you guys use to accumulate points? |
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Apr 27 2022, 09:24 PM
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Senior Member
825 posts Joined: Apr 2010 From: Sri Petaling |
stand at any petrol station
offer those motorbike rider who want to pay by cash you collect cash from them and pay with your cc win win, they save the steps to counter, you earn cc points |
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Apr 27 2022, 09:25 PM
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Junior Member
706 posts Joined: Mar 2016 |
QUOTE(iamshf @ Apr 27 2022, 09:24 PM) stand at any petrol station sounds good, won't work after a few transactions as the bank will flag it as potential fraud, abuseoffer those motorbike rider who want to pay by cash you collect cash from them and pay with your cc win win, they save the steps to counter, you earn cc points |
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Apr 27 2022, 10:26 PM
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Junior Member
101 posts Joined: May 2008 |
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Apr 28 2022, 11:56 AM
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Staff
4,242 posts Joined: Jun 2007 From: 地獄だ |
QUOTE(BaronVonchesto @ Apr 27 2022, 08:29 PM) helo sifus. looking for ways to get credit card points (besides buying stuff of course) Homework: go through this thread.last time we could reload ewallet with CC, then cash out, but now most CC dont give points for ewallet top ups. what other ways you guys use to accumulate points? |
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Apr 29 2022, 09:04 PM
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All Stars
10,339 posts Joined: Jan 2003 |
Hi. Any card that got any cashback or point benefits for tng ewallet reload?
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Apr 30 2022, 12:36 AM
Show posts by this member only | IPv6 | Post
#4508
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Senior Member
9,544 posts Joined: Jun 2008 From: Rubber Duck Pond |
Any credit card recommendations for insurance payment and TNG reload? I currently own PBB Quantum Mastercard and Visa, Visa Signature, and Islamic Platinum. Perhaps Affin Duo but the application is damn slow... I applied last month and til now I haven't got it.
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Apr 30 2022, 07:01 AM
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Senior Member
5,585 posts Joined: Jul 2005 From: UEP Subang Jaya |
QUOTE(Duckies @ Apr 30 2022, 12:36 AM) Any credit card recommendations for insurance payment and TNG reload? I currently own PBB Quantum Mastercard and Visa, Visa Signature, and Islamic Platinum. Perhaps Affin Duo but the application is damn slow... I applied last month and til now I haven't got it. The PBB Quantum Master and Visa Signature do not give any benefit for TNG reload (according to TNC), can check their threads for more details. Only Islamic Platinum does.Affin Duo is a reliable one. Other than that can consider HSBC Amanah (they still have FCFS promo for RM15 cashback on TNG reload, but damn competitive at midnight on first day of month). Also can consider UOB YOLO (min spend RM600, 5% cashback but ewallet capped at RM15 so you need RM300 'other spend' to get 5%). christ14 liked this post
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Apr 30 2022, 09:35 AM
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Senior Member
9,544 posts Joined: Jun 2008 From: Rubber Duck Pond |
QUOTE(LostAndFound @ Apr 30 2022, 07:01 AM) The PBB Quantum Master and Visa Signature do not give any benefit for TNG reload (according to TNC), can check their threads for more details. Only Islamic Platinum does. Anything for insurance payment?Affin Duo is a reliable one. Other than that can consider HSBC Amanah (they still have FCFS promo for RM15 cashback on TNG reload, but damn competitive at midnight on first day of month). Also can consider UOB YOLO (min spend RM600, 5% cashback but ewallet capped at RM15 so you need RM300 'other spend' to get 5%). |
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May 1 2022, 08:13 AM
Show posts by this member only | IPv6 | Post
#4511
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All Stars
62,907 posts Joined: Jan 2003 |
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May 5 2022, 06:19 PM
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All Stars
14,304 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor |
If I've already pledged FD for a card (Business owner), you guys reckon how long do I need to wait before applying for a credit card from other banks?
Recently tried SCB but was rejected. Card I'm applying for is Smart CC with 36k p.a requirement. Declared B 2021 is 1xxk This post has been edited by Icehart: May 6 2022, 08:03 AM |
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May 8 2022, 12:05 PM
Show posts by this member only | IPv6 | Post
#4513
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All Stars
25,132 posts Joined: Jan 2003 |
Can we use contactless for a mastercard? on the same visa paywave reader. The mastercard has the same paywave symbol. Thanks
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May 8 2022, 06:36 PM
Show posts by this member only | IPv6 | Post
#4514
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Senior Member
4,414 posts Joined: Jul 2013 |
QUOTE(Human Nature @ May 8 2022, 12:05 PM) Can we use contactless for a mastercard? on the same visa paywave reader. The mastercard has the same paywave symbol. Thanks In theory should not matter. I never faced any issue for either visa or mastercard and i do use them quite evenly. Human Nature liked this post
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May 12 2022, 08:54 AM
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Junior Member
78 posts Joined: Jan 2013 |
Apply CC through ringgitplus, loanstreet or comparehero, imoney comes with free gifts and promotion.
Any reason not to go through them? Any word of advice? |
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May 12 2022, 08:56 AM
Show posts by this member only | IPv6 | Post
#4516
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All Stars
25,132 posts Joined: Jan 2003 |
QUOTE(kimi0148 @ May 12 2022, 08:54 AM) Apply CC through ringgitplus, loanstreet or comparehero, imoney comes with free gifts and promotion. Potential exposure of personal data to 3rd partyAny reason not to go through them? Any word of advice? kimi0148 liked this post
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May 14 2022, 12:36 PM
Show posts by this member only | IPv6 | Post
#4517
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Junior Member
257 posts Joined: Jun 2011 |
If we were to transferred to Indo, expat contract, easy to apply cc if not based in Malaysia?
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May 17 2022, 02:11 PM
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Senior Member
1,408 posts Joined: Jun 2009 From: land of burung kenyalang |
Can you get better installment interest rate if you call the bank and request it? Something like it's a secret option always available but only upon request.
Also I prefer to get installment plan of 6 months if possible instead of 12. Can we change that too but just need to call them? |
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May 22 2022, 08:59 AM
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Moderator
3,267 posts Joined: Dec 2007 From: 서울, South Korea |
QUOTE(graphidz @ May 17 2022, 02:11 PM) Can you get better installment interest rate if you call the bank and request it? Something like it's a secret option always available but only upon request. The best rate for instalment is 0% which is offered outright with the right promo. For items which does not fall into the 0% category, sometimes bank offer promotional conversions - these are not secret options but they come and go with bank promos. You'll see instead of being imposed 18% p.a. on reducing balance, the bank will apply a fixed x no. of months for lower % interest. You may save some interest if you intend to go into a long instalment period due to fixed interest vs reducing balance calculations. Also I prefer to get installment plan of 6 months if possible instead of 12. Can we change that too but just need to call them? If you want to lower your instalment plan from 12 months - easy. At month 6, call the bank and ask for early settlement and pay the remaining 6 months balance. Or another way of doing it (provided your card does not have other transactions) - pay 2 months instalment every month for 6 months (or whatever combination). At month 6, call the bank and ask for early settlement. Note that instalment plan comes with fixed interest - if yours is not Zero%, you won't get a interest discount just because you pay early. Just an advisory - while instalment plans are a great feature of credit card - do be mindful of the long term impact to your personal finances. Making that decision purchase is a personal choice and the financial consequences are yours to shoulder. Accusing the bank of promoting debt trap is just not realising own's mistake. This post has been edited by hye: May 22 2022, 09:42 AM graphidz liked this post
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May 22 2022, 09:34 AM
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Moderator
3,267 posts Joined: Dec 2007 From: 서울, South Korea |
With the borders reopening, many will look forward to travel. Would like to post a public awareness of travel insurance. Recently there are unpleasant experiences by many Malaysians when traveling with airlines. Here I hope this info will provide some level of comfort / compensation (probably a more likeable word) if these unpleasantries were to happen to you. Disclaimer : I'm not promoting any travel insurance product. Opinions are strictly personal and I welcome any discussions/feedback arising from this post. Now we all know credit card products offer some form of protection when you use the card to buy flight tickets. My opinions is that this free protection is often basic and may not cover most of travellers needs when they experience any problems with airlines / travelling. I'll advise for our readers to understand what those protections are by searching for the Master Agreement hidden somewhere in card's T&C or bank's website. These T&C are not universally the same across all credit card products so don't be too quick to easily accept and be complacent. If you opt to choose purchasing a separate travel insurance, there are product coverage for both domestic and overseas travel + single trip and annual coverage. Coverages varies from one insurer to another and so does their prices. For those scouting around for travel insurance here are my personal clauses that I will look at. 1. Total Medical Coverage - those traveling to Thailand will know this is important. Remember when you travel, medical cost are much higher overseas. 2. Hospitalisation income - If you need to be hospitalised, this will help if you need to make any daily out of pocket expenses. 3. Travel inconvenience - Useful if airlines cancels/reschedule your flight and triggers a whole chain of losses due to those changes. Note the T&C attached to this coverage. For example, you may need to purchase the insurance product as early as 15 days before the actual travel date. 4. Delayed / lost luggage - Sometimes airlines may deliver your luggage late or worse - lost it. Note on how this works - often the compensation can range between RM100-250 per every 6 hours of delay. 5. Travel delays - Similar to item 4 but this is in the form of flight delay. Optional 6. Covid-19 coverage - Something new these days. They are often offered as additional cover. Some insurer may offer daily expenses which can be useful if you are asked to quarantine at a hotel on your own expenses vs. a designated facility. 7. Sports cover - Not to be mistaken for playing golf while on holiday. If you intend to do mountaineering overseas or some high risk activities - do consider this cover. Now your priorities may be different than mine - it's up to you to decide on what's important and what's not. Be mindful of the level of coverage that is being offered when hunting for travel insurance. Some will be happy for a basic cover and some may want an extended cover. My experience I bought travel insurance from xx insurer which cost me just short of RM300 which is their premium plan. The lower tier plan is half that amount and so does the compensation too. During one trip, my luggage was delayed for 24 hours and on the return flight, the flight was delayed for 12 hours. I reported the incident to the insurer after my return (note that you need to furnish documentations and evidence of all these delays which the airline will provide if you ask proactively) and I was compensated for my inconveniences. Let's just say, the compensation that I received was well above and beyond the premium that I paid. This post has been edited by hye: May 22 2022, 09:39 AM Human Nature liked this post
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