Quick question. Amex CC 5X point is permanent ?

Er.. I request liow so what if they say cannot?!  What else can I do tell convince them?! *smiles*

@winner,
Eh... if need go ask in PM lah - a bit not v nice to blast it in a public forum right?!

Also, U need waiver also meh?

new application CONFIRM no waiver, unless you are mbb private baking customer then 1st year af is waive.

I'm a cheapskate and am determined NOT to pay the AF this time round.

Thanks! Amex has spoken to me and counter-offered a solution for the AF but I rejected it.  It's now back to Management's table all over again *siGh*  Tedious lah the process I tell u

@winner,
The initial offer was to thread in 60,000 MR points to offset the RM800 AF but I refused.  I told them by doing that, indirectly I'm still paying for it so it's back to the round table

@winner,
Like I said, I declined the offer.  Btw it's not facing the golf course lah, those are onli applicable for the bungalow units and well, they're all sold out !  Also, U shouldn't be revealing such private information on a public forum

I just did some comparison of transactions in USD and summarized below:

Date/Card/USD/RM Billed/Rate/EX Rate/Ratio

19 Dec/Amex/75/267.83/3.571066667/3.470762104/1.028899867
14 Jan/Amex/30/109.33/3.644333333/3.572562581/1.020089432
10 April/Amex/3128.74/11602.77/3.708448129/3.607688457/1.02792915
1 May/UOB/60/218.68 /3.644666667/3.560319931/1.023690774
18 April/UOB/48/177.67/3.701458333/3.627296141/1.020445585
1 June/HSBC/200/710.59/3.55295/3.472223573/1.023249202
9 July/Alliance/43.03/155.48/3.613293051/3.56400013/1.013830786

From above AMEX charge card admin fees for overseas transaction varies between 2%-2.8%
UOB 2%-2.3%, HSBC 2.3% and Alliance 1.38%. Above table does not represent actual charges as the currency may have fluactuated up or down from the day the charges were transacted.

As many said, Alliance do not charge admin fees but I guess Visa/MC admin fees itself is about 1%. If Amex reduce the admin charges to 2% instead of 2.5%, then it is competitive with other CC except Alliance.

now maybank amex gold card giving free for life....
but is tis easy to get this card?...

When I was studying in US more than 20 years ago my Uni already accepted payment with Visa/MC. My son's school do accept AMEX and MC online but it charges 2.75% extra   When convert to RM, I have to pay extra RM3.5K+ and add CC admin fee another RM1.3K+ (that's using Alliance), so total about RM4K for 2 semesters for nothing.

If you talk about JustOne card then, it will not 100% compensate as maximum rebate per year is only RM600.

Actually, my point is when that USD deposit into my AMEX, they use exchange rate of Interbank + 2.5%. Means that if we pay AMEX by using USD then it is 2.5% gain. .

Any comments?

@vin_ann,
The banks don't care what the expiry date is on the card (at least IMHO) so as long as U have had that CC for >1 year it's good enough.

@David83,
There's a lifespan on every CC; I guess banks know the cards don't last a lifetime hence with the expiry they issue new cards to U.  Some are 1 year, some are 3 years but some much longer.

tht mean the renewal card can not be use to apply.

@vin_ann,
[B]The banks don't care what the expiry date is on the card [(at least IMHO) so as long as U have had that CC for >1 year it's good enough.

@winner,
Er.. of course expired CCs don't qualify lah *dish*  that's supposed to be common sense.

@winner,
Just so as long as it's not expired lah! iSh... U wanna fight is it now? [puts on fierce macho voice].. LOL

I just heard from Amex; got my AF waived

Here's the picture I promised, except I don't carry the DA Gold + HSBC Gold with me so it's not in the picture.  Also, I haven't received the Amex Gold CC hence it's not in the picture too

@winner,
Eh.. no need to tell the whole world what card we're holding one, unlike some forummers!   Also, Y wanna put the HSBC Premier in front - cause purple + purple matches?

This is the first time I am reading someone mentioning HLB AMEX. One thing good about HLB cards is that they provide RM300,000 PA for ground when overseas when you purchase air ticket using HLB card. And the rate for overseas transaction is 2% vs AMEX's AMEX 2.5%

AF for HLB AF, only mentioned AMEX Plat RM800. Click below:

http://www.hlb.com.my/qa/fc/fccc.jsp?flag=fccc

If you are using SCB online banking you can pay all those utilities with no problem. For me I am using JustOne card, I always pay my utilities bill on Friday where I earn 5% rebate. Now all my bills payments are done through SCB internet banking.

Thanks for the tips, but prefer to do manually as I only pay my bills once for every 2-3 months. 

Oh, great. Now I understand what you trying to say. OK I will do that in my next billing cycle.