yah, me to blur on this. Amex staff please elaborate on this credit thingy.

Wah Dozz going for Plat Can afford to burn >RM2K

Coming back to your reasons:

- No preset limit - well there is a limit for my Amex Gold Card; however, it is higher than any of my Plat CC card limit.
- Higher Recognition - this to me i call it shiok sendiri, hahaha
- No interest charge - you be charged interest if payment is after due date.

I wont be applying for Amex Plat unless they are giving annual fee waiver. I have not been paying Annual Fees for my Amex Gold Card and CC cards for many years now. If any of them refuse to entertain my request for waiver i just close the account.

Please elaborate, is this for your new Plat Amex CC or for Charge Card? Need to enroll?

Recently i have been swiping my citibank visa as got 8X rewards points but if not mistaken it is based on average. Still prefer Amex previous 2X for whatever purchase. Already redeemed all my Amex points, if got 3X reward points, i starting swiping using Amex again

my bad bro, your are right it is only 2x for citibank. i must have got confused with the so called "8reat offer". Got to charge 8x for get 2x reward.

Dozz, i just checked my statement and called AMEX, i did get 2x reward points for last month statement Also i just called AMEX to enrol in Turbo Reward Points which cost me RM50, with Turbo Reward, we get 3X reward points.

The customer service guy told me that the Turbo Reward Points will expire once I reach 200,000 points.

Looks like i be using my AMEX more often now instead of just using it at Mobil/Esso.

Dozz, i just got Amex Choices newsletter, the 3x turbo reward ends March 31 2009 or 200000 points whichever earlier.

Was browsing thru MBB Amex website and saw that 6 months interest free installments extended to March 2009. Previously it was like for 3 months installments.

http://www.maybank2u.com.my/promotions/ame...408/index.shtml

This offer is really great as it is the only true 0% installment scheme as there is no handling or surcharge like UOB or CIMB. On top of that can get2X reward points (or 3x if got turbo).

and get 2x reward points too

I always hear people say above. I have no problems using my Amex, it can be used at all Dept Stores/Hypermarket, Petrol Stations, Hotels, Restaurants, branded clothing stores, electronic/electrical stores and most shops at 1U/Midvalley and even at night spots. Years ago, when i was studying in US, i even bought my car using Amex! Even Dell accept Amex FYI. And if the shop don't accept Amex, you got CC what.

Seriously with 2X reward points and earning points for pumping petrol, AMEX is the way to go if you do not need credit facility i.e. credit card.

If you go compare reward points for redemption, Amex is the best. Only 2 months ago redeem RM340 food vouchers, going to redeem another RM300 Dome and TGIF vouchers next week

Since the 2x reward points was extended (i have subsequently enroll for turbo), i have been using Amex for almost all my transactions; and i have UOB, HLB, HSBC, Alliance & DA platinum CC and 2 normal CC which is just taking up space in my wallet so i leave a few in my drawer. Amex is the only card i can't leave home without

Call AMEX this morning to enquire if my wife supp card need to register for 8X MR and was informed as long as main card is registered the supp card also earns 8X. However for my case where I have turbo points, i get 3X + 6X MR

Also to note that I was informed that the 6X points will only be given after the promotion period ends in July and not reflected in the next few months' statement.

This post has been edited by Gen-X: Apr 22 2009, 08:34 PM

I don't know what is shell or caltex rebate program. FYI, I use Esso/Mobil where you will get RM15 petrol for every 1000 smiles points (RM1=1 smiles point) which is equivalent to 1.5% rebate.

Therefore with the current 8X MR and Amex cash back program where you get RM1 for every 200 points, the total cash back is 5.5% Here's the calculation:

Fill petrol RM1000 = 8000 MR points = cash rebate RM40
Smile Point 1000 = RM15 petrol

Total Rebate = RM55 for RM1000 petrol or 5.5% rebate. If you have turbo like me, the cash back percentage increases.

Turbo 2X enrolment fees used to be RM50, this year is RM100. If you spend less then RM20,000 a year, it is not worth it to enroll. Check my blog below for more info on 2X Turbo.

http://creditcardsmalaysia.blogspot.com/20...-cash-back.html

after the promotion period. I posted this info weeks ago in this thread.

Thh ad is in The Star too. Must say Amex Gold Credit Card is pretty good besides the 5X MR points at petrol station and book stores.

Lifetime annual fee waiver. Save the hassle of calling up for AF waiver.
0% Finance Charge till December 2009, after that 9% from January 2010. At 9% interest it is the lowest in town as one also get MR points as compared to Alliance You:nique which don't give rewards points for the same 9% interest option.

Seriously considering getting this card just because of the 5X MR.

yah, AMEX overseas transaction fees is high at 2.5%. I also want to share with you that initially I thought UOB no admin fees for overseas transaction which I got confirmation with their CS but someone did pointed out to me in my blog that UOB do charge 1% Admin Fees. Read link below:

http://www1.uob.com.my/assets/pdf/feesNcha.../creditCard.pdf

And as for merchants that does not accept AMEX well we have our CC and for merchants that do accept AMEX, we use it if there is a benefit. Therefore no loss that we have AMEX but more to gain.

This post has been edited by Gen-X: Jun 19 2009, 12:38 PM

Ok back to AMEX topic but on CC.

I applied for the AMEX Gold CC today. Went to Maybank branch to drop my cheque for my charged card and picked up the application form for Gold CC but did not fill the form on the spot since wanted to get my wife a supp.

Then read in CC thread that one needs to have Maybank account, this was not stated in the application form nor was it in the AMEX's website but was stated in Maybank's website.

So I called this number 603-22958877 and they confirmed don't have to be a maybank account holder and I can just fax the application form to them with just a photocopy of my credit cards and no need submit the other troublesome documents. Faxed in the application to AMEX about lunch time. Wonder how long it takes to get it approved and want to see if the credit limit given to me will me higher or lower than my Charged Card (oh yes, there is a credit limit for charged card too).

This post has been edited by Gen-X: Jun 19 2009, 07:45 PM

Actually my statement on "Credit Limit" for charged card is kind of misleading and inaccurate. The last time Amex was offering 0% installments plan, there was a maximum limit that can be charged, to me that was like my credit limit.

Amex spending limit based on your payment records and spending pattern.

lauyamonk: care to elaborate more on charged card spending limit?

yes, you are right they will charge RM5 for printed statement. In the application form it is mentioned that statement will be email to cardholders. So no problems if no M2U.

This post has been edited by Gen-X: Jun 20 2009, 12:16 AM

Wah, so eager to Amex Gold CC. Present offer 8X rewards for Amex charged card still better what.

This morning I did call them to check my application too Their system shows my application pending my supp IC which I did refax to them last week and since the person handling my case was on leave can't check further. So I asked why can't they check with my Charged Card data as the supp is the same and was informed that AMEX CC and Charged Card are two different department. Well that explains why the Charged Card CS people are more curteous and "better".

I did receive confirmation reply after I sms, however I have subsequently deleted it and got no record of it
Don't worry lah, it should be in the system but you can always call them and reconfirm.

Bro, congrats on you AMEX Plat (charged card?) AF waiver What string you had to pull to get the waiver? Mind sharing how much you spend on your Plat for the last year. If they start giving AF waiver for Plat I might just ask them for an upgrade (that is if my member since stays the same).