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.

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

Agree....not attractive on the long run. I just want to collect the welcome gift only

2000 miles too little la.
I have to pay RM 25 for SST.

Dear friends,
I just received BONUSLNIK AMBANK CARD.
In order to get 10x bonuslink at shell, is it must make payment via this card? or i can make payment by using other card and collect point by using this card also can get 10x bonuslink point?

must use this card, so end up i prefer cb card with bonuslink, if you know how to calculate

Indeed I calculated which only yield 1.3% cash back. 😅

Yes, it is a very stupid directive.

The economy is going downhill ever since those
new kids on the block took over the country last year.

It seems lots of jobless these days.

Just look at the US dollar exchange rate. Our currency
plunged down the moment those guys won.


Have you noted your interest charges on your statements ?

If you look carefully, and compare with the opening balance
of your account before and after November, your interest will
surely have gone up.


It seems they are going back to the days when the
minimum payment was 15 percent.

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.

What's wrong with controlling private debt by tightening cc debts?....

You don't think using cc and not paying full is a problem?....it's called spending beyond your means....not sustainable....

but we are taking about ppl who can't afford to pay in full, and this new directive makes it even harder for those to pare down their debts

If you cannot pay in full, you shouldn't be using your cc at all.... borrowing money from cc is the worst way, second only to ah long....

Agreed. cc is just for super convenience and rewards, not for borrowing money. Those who have cc debts should rethink again whether you should have one or faster settle it and cut half your cc.

not necessary, you can apply those cc with 12 month 0% interest FPP for example HLB AA and slowly pay back rather than apply personal loan elsewhere, sometime you also can get very low 36 months 10.99% (for 3 years) or 3.99%pa offer rate from HLB or UOB for call for cash as well.
but don't ever pay minimum to cc statement, as the 18% pa is a lot as compare to what i stated above.

Even installment also need to prepare money up front. If not, most also falling trap into the debt, due to taking up too many 0% installments and not be able to pay back after few months.

at least the rate is a lot cheaper than u use conventional way, u still need to repay with the month payment

Yes your are totally right, rate is lower and can save us a lot by using this installment features. But...

They are 2 type of people:

1. 0% installment... monthly only need to pay RM300 compare to 3600 one shot...ok buy. Everything 0% installment also buy buy buy, but bank has no money. For this kind of people, installment = no good.

2. Already planned to buy the things, and bank saving got significant balance already, installment = good. Balance can get some interest while payment for installment for next 12-36mths.

I applied for Ambank true visa. The bank person (by phone) persuaded me to take their visa signature card and i went for it. After reading comments here I felt this card is useless. The only thing is I can get points for asiamiles.

Btw, my application already approved, so waiting for my ambank cs to arrive.
First time applied cc. Straight tried with multiple banks. Approved by hsbc aeon and ambank. Rejected by ocbc, sc, cimb, rhb and bsn😭. Waiting for maybank

wow, u are awesome trying to apply from 8 financial institutions at the same time

Visa Signature card - mainly for Plaza Premium Lounge for me

If you travel often, can consider that