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Credit Cards AmBank Credit Card V3, Free for life card, PPL access with T&C

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fruitie
post Dec 20 2019, 08:05 PM

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QUOTE(watabakiu @ Dec 20 2019, 01:08 PM)
reason behind the new directive was to 'encourage cardholders to pay on time'. alloo if they have the means, they would have done it! and now they'll be burden for the additional fees based on the new calculation, and harder to pay full further
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That's how banks earn money.. If not how to sustain and give promos to other users?
fruitie
post Dec 21 2019, 08:19 PM

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I just noticed True Visa CB is already in since 19th, my first CB since I got the card in Nov. tongue.gif

SST was charged right after I activated the card and based on numerous feedback here that SST rebate won't be granted, so I save my energy to call to request. Just assume I only got RM 5 CB after offset the SST. laugh.gif
fruitie
post Dec 21 2019, 09:15 PM

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QUOTE(rahtid @ Dec 21 2019, 09:01 PM)
i just got my TRUE VISA early this month, are you not eligible for the RM 25 cashback promo by activating and spend on your cc?

https://www.ambank.com.my/eng/promotions-pa...mBankCreditCard
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According to T&C, I'm not considered as a new cardholder, I have just cut tie with them in March and rejoined back in November. So, I'm not eligible for the promo, I guess.
fruitie
post Dec 22 2019, 12:02 AM

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QUOTE(watabakiu @ Dec 21 2019, 11:55 PM)
but the "okay, proceed" came from BNM.... not a move in the right direction to get ppl less in debt?
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I think self-discipline is important, with or without such new regulation, there will be still individuals who will owe money anyway. Not to say I'm bad, but sometimes I thank these people for making credit cards business sustainable.
fruitie
post Dec 22 2019, 12:07 PM

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QUOTE(cenkudu @ Dec 22 2019, 12:05 PM)
which one is worth for new Ambank sign up? spend 2k using ambank bonuslink or true visa? bonuslink get 5k bonuslink points plus the RM 200 welcome cashback whereas true visa get RM 30 cashback plus the RM 200 welcome cashback.
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It depends which one you will use? I will use True Visa more, so got that eventually.
fruitie
post Dec 23 2019, 11:28 AM

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QUOTE(JetHung @ Dec 23 2019, 09:32 AM)
I'm NTB and got my True Visa on Nov.
11 Nov - RM1000 Spend
01 Dec - RM1000 Spend
19 Dec - RM30 Online Cash Back

I guess I'm eligible for the promo, right?
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Rightfully yes, just ensure you fulfill what is required in T&C.
fruitie
post Dec 23 2019, 05:26 PM

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QUOTE(cenkudu @ Dec 23 2019, 05:21 PM)
I have both actually. If Bonuslink you get 5000 points welcome bonus with RM 2K spend and on the other hand True visa will get RM 30 cash back. Both are good eventually!
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I'm not a BL user, so not getting that card. Anyway, AmBank cards are not attractive, so I cancelled all. Last time still can keep for PPL purpose, after revision no longer attractive.
fruitie
post Dec 23 2019, 07:24 PM

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QUOTE(BFGWong @ Dec 23 2019, 07:02 PM)
Unionpay card - apply by a phone call with CS, gets 2,000 KF/AM miles welcome bonus (takes about half a year to get)
Can try the Unionpay lounge at Pavilion and cancel within 1 year.

I know its not really attractive, but as milesfans we shouldn't leave any free points on the table
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laugh.gif 2000 miles too little la. tongue.gif
I have to pay RM 25 for SST. laugh.gif

fruitie
post Dec 25 2019, 12:20 PM

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Hmm. I didn't know interest % is important in this section, most of here just don't care, be it 10%, 15% or 20%, I think we care less. If need to make yourself into debt by paying minimum, then don't get a credit card. As simple as this.

Most of us here use CC to get privileges and benefits but we will pay full on time, no interest will be charged.
fruitie
post Dec 29 2019, 12:22 PM

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QUOTE(Tham @ Dec 29 2019, 07:27 AM)
So you appear to have unlimited funds and have no
problems with paying 1,000 percent interest  ?

Why are you even holding a CREDIT card for then ?

Pick up your phone immediately and call your "friendly" neighbourhood loan shark.

Call up American Express and Diners Club as well and tell
them you are throwing away your "low class" credit cards since
you find their CHARGE cards far more attractive and prestigious,
which require you to repay FULLY at the end of the month.

Charge cards give you far more "benefits and privileges", since
that is what you are interested in as well, not  CREDIT.
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My problem or your problem for the interest? I don't pay minimum, and don't bother about interest. We don't own cards to pay minimum to banks, why need to let them earn extra money from us?
Even it's a charge card is also not an issue, check out AmEx Charge Card thread, there are people still own it.

fruitie
post Jan 3 2020, 10:47 PM

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QUOTE(bukitbanyan @ Jan 3 2020, 10:33 PM)
By default, can I see my supp card expenses in my amonline?
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Yes, under a separate account.
fruitie
post Mar 2 2020, 10:05 AM

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QUOTE(cenkudu @ Mar 2 2020, 08:49 AM)
Hi is the cash back from True visa can be considered as part of the full payment to the card? example in the statement total is RM 1K, later they credited cash back RM 30, can we pay only RM 970 to avoid interest charge?
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Can pay RM 970, provided you have no new spending after cash back is received.

This post has been edited by fruitie: Mar 2 2020, 10:05 AM
fruitie
post Mar 2 2020, 01:35 PM

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QUOTE(cenkudu @ Mar 2 2020, 11:09 AM)
oh if have new spending that is not within the statement period, they will charge interest isn't?
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I can't confirm but there is a risk because what you paid is not statement balance amount.
I usually just pay statement balance for peace of mind though.
fruitie
post Apr 2 2020, 11:59 AM

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QUOTE(wyh @ Apr 2 2020, 11:48 AM)
Ambank credit card is send to home address or need to collect from bank ?
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I requested to send to my office.
fruitie
post Apr 18 2020, 08:30 PM

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QUOTE(Omgf @ Apr 18 2020, 08:26 PM)
Main credit card receive RM30 cb on 16th April,
Sup card didnt receive.
Something wrong?
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Isn't shared cash back?
fruitie
post Apr 18 2020, 08:34 PM

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QUOTE(Omgf @ Apr 18 2020, 08:32 PM)
Previously got cb for both.
Just this April cb only get 1.
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I never knew AmBank gives CB to supp, it's always to principal only and CB is shared basis.
fruitie
post Apr 21 2020, 06:26 PM

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QUOTE(qzsalphidopm @ Apr 21 2020, 05:56 PM)
hi guys, can I check if top up BP using True Visa will get CB?

Because I saw someone posted on other post saying True CC did not grant CB for his Bigpay Topup in Mar2020.
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Yes, entitled. He has mistaken it with another card.
fruitie
post Apr 23 2020, 10:40 AM

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QUOTE(skysboyz @ Apr 23 2020, 08:28 AM)
No more Cashback for True Visa for BP? I saw the csshback for other online transactions credited on 16 Apr
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I still get, I only reload BP.

QUOTE(qzsalphidopm @ Apr 23 2020, 08:46 AM)
I saw someone posted their cc statement on other post also showing no CB for top up True Visa via BP since April, can anyone justify pls?
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Who?
fruitie
post Apr 23 2020, 11:17 AM

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QUOTE(cucikaki @ Apr 23 2020, 11:13 AM)
Actually me too.

Topup bigpay on 20 march, did not receive any cashback on 16 apr.

So far i didnt recall ambank release cashback in batches?

user posted image
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I reloaded BP on 26th March and still got it.
fruitie
post Apr 23 2020, 12:00 PM

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QUOTE(rojakwhacker @ Apr 23 2020, 11:50 AM)
Have you make payment for that month?

Written in the term and condition of the card under:
2.© If the Card’s outstanding balance exceeds the 30-day period, the Cash Rebate
shall not be awarded until the outstanding balance is settled and the Card
Account is regularized.
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I haven't made yet because statement balance hasn't due yet but I still got cash back. laugh.gif

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