Well, I a bit older than what you mentioned. Oklah I am old dy don't need rub it in somemore, hahaha
As for the cardboard statement by another fellow member, hahaha, well it takes one to know one.

if I get a sport cars wondering if I "get" to feel your age again

no need few companies, if can just take over AMEX will do, and to save cost, change all AMEX cards to laminated cardboard.

My charged card the same, statement date can be on 28th or 29th. I guess AMEX uses days cycle (3 day diff for Feb or Mac statement date?) unlike CC where statement date is fixed. For my charged card AMEX is kind of flexible where I can make payment (by cheque) few days late after due date and not charged for late fees. For CC, not the case, cheque usually have to be cleared before due date but BNM just introduced 3 days grace starting this month.

yah. the AMEX Gold CC design "shining shining" is instead nice.

i did check last week, no problems logging in but did not notice "non US card".

hahaha, non AMEX card holders also can join lah. Since you got charge card, you can sign up for 3X Turbo points but you got to pay RM100 and it is good till March 2009 (if not mistaken). If you will charge more than RM20K before expiry period for Turbo points, then enroll and see your MR grow.


somebody been busy shopping with plastic can't wait to see your new car.

more than 20 years ago, while still an undergraduate in US, walk into a car dealer, paid for a used car costing less than USD 5K with AMEX and drove off

Anyway, just to update, called AMEX CC CS today, the CS I spoke to last week was busy, later she called me back (called several times actually as set my phone to reject unknown calls). Inform me my request for higher CL have been doubled, CS asked me enough, I said well it is less than half of my other Plat CC CL and she said my charged card account is good so she putting up a request again. Must say AMEX CC (in this case MBB) CS just as curteous and give personal service as AMEX charge card CS (or are the Charge Card and CC same CS )

This post has been edited by Gen-X: Jul 14 2009, 09:08 PM

that's good to know.

lauyamonk, long time no post here. How to get AF waiver for Amex Plat Credit or Charged Card?

I have Online Services for my Gold Charged Card and tried create separate account for my AMEX Gold CC online but can't. I don't have M2U online account.

no one else is better here in LYN to give is the insider info on AMEX besides lauyamonk. PM him fast fast.

hahaha, pay lah RM800 and save the hassle Or downgrade to AMEX Gold CC, no tedious process for life

With your determination, I am sure your Plat AF would be waived but with certain condition. I find AMEX very accomodating and "efficient" in the case of my request for higher CL where the CS called me today and infomed me it has been increased again (took 2 days only since last increase).

Actually you not cheapskate but maybe you expect AMEX Plat to waive like CC Plat. In addition to 10X MR at certain merchants (which is equivalent to like 5% rebate when considerng 200MR = RM1), AMEX's PLAT golf privilages is good and comes with Shangri La Card and these two benefits itself is worth the RM800 in my opinion.

Cheapskate is me, not even willing to consider paying for 1 year AF and go for "free" cards only, hahaha

What if you consider 10X MR where tinkelbel did get.

Spend RM6K get 60,000 to exchange Annual fee waiver or RM800/RM6000 = 13.33%. Based on this, reasonable lah that you use MR for waiver in my opinion. If more and more people do cancel their Plat cards because of Annual Fees, then in coming years I am sure it be easier to get AF waiver. Even Robinson card got to spend like RM7K+ to get free AF.

tinkelbel, if MBB management lower the MR required for AF waiver, for feel good factor, just assume the 8X MR for petrol last month kind of subsidise for your card lah.

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.

What you mean by easy? If you have a CC for more than 1 year, I guess it would be easy if your records are good.

When I go US next month, I will try to use as many different CC as possible.

This post has been edited by Gen-X: Jul 18 2009, 10:38 PM

No lah, did not register any express bill or whatever as my wife and my telco bills with UOB for years and too lazy to change. Moreover my personal numbers usage very low, got other numbers where usage are high but that's under my company account. Wish they have 5X for insurance premiums, then definately will switch to AMEX auto debit.

Thanks, will try to have fun.

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. Main reason going US is to open joint checking account with my son as he underage; with the checking account he can pay for whatever. And since going there might as well take my wife to LA and Vegas because while she was doing her undergraduate in US I only took her to the South (e.g New Orleans & Florida) and East Coast (e.g. Niagara Falls, Washington DC and New York) only. I myself have been to LA & Vegas twice and to East Coast few times.

Don't expect me to give you a review because I am bad at those as it is not techinical where I can give you report with numbers. Maybe my wife can do a review for you, haha

I think you better check with AMEX to confirm if can combine the points. Call them at 1800-88-9559

tinkelbel, the Uni charges 2.75% for US issued card also lah. To save the charges I getting US checking account where the school do not impose any surcharge for checks. Instead of paying using CC/Amex, can be used surcharge $ to pay for his airfare home every year.

Upgrade seat no prob as got UA milage plus.

Well you a point there about 5% rebate but mah fan lah have to charge on Friday only and as GHz mentioned max RM600 for JustOne. Get my son to pay by cek easier for me lah.

Yah, any online transaction with AMEX and MC need to pay 2.75% and that applies to debit card also. Reason I think is because they use 3rd party for payment called Touchnet or something for online accounts. As I mentioned 20 years ago I already can pay my tuition fees with CC and no such charges. Yah, you are right, a debit card will be issued on the spot when I open checking account.

tinkerbel, about trip to US, not really good time as H1N1 still active and don't want you taking the risk Anyway, my trip will be boring as half the trip at my son's Uni town.

guess it means that if you area a graduate then the income requirement is only RM30K instead of RM36K.


Been using Amex Gold CC for about 2 weeks now, no problems at all.


tinkerbel: good to know you got your AF waived for AMEX Plat CC.

This post has been edited by Gen-X: Jul 23 2009, 11:09 PM

I just check AMEX website, the MR required for vouchers still the same. Example MJ & Parkson 20,000MR=RM100. For dinning RM100 voucher need less than 20,000MR. What's written in the booklet for vouchers?

tinkerbel: congrats on being a Mod! Make sure read the posts more carefully before quoting people

Yah, MJ and Parkson 19K MR for RM100 voucher now and not 20K MR, others are mostly at 20K MR for RM100 voucher my mistake.

It is more worth it to get dinning vouchers.

Went to MBB Treat Fair and did see the Petronas voucher you mentioned but did consider getting it. Instead saw a Targus bag which i liked and redeem for 25,000 points. To me it was very worth it because market price for the bag is RM249.

Got myself a free pen and pencil for signing up for online banking for my AMEX Gold CC. Actually they only gave me temporary pin number to use with my AMEX Gold CC where I need to go to MBB ATM to sign up for online access.

During Treat Fair the same number of points required to redeem same item was same for MR or TP.

Checking out MBB catalogue, for vouchers, e.g. Need 9000, 10,000, 11000 points for RM50 TT, MJ and Guardian. If I were to consider my MBB Petronas Card for purchases other than petrol, can't beat my AMEX Gold CC 2X and Charged Card 3X for MR.

Conclusion, for Treats Fair, in my case MR very worth it compared to my MBB petronas card which does not give 2X TP. I should use AMEX whenever I can for MR where I get 2X/3X over MBB Petronas TP.

This post has been edited by Gen-X: Jul 26 2009, 06:50 PM

Just came back from MBB ATM to register for M2U and now can see my AMEX Gold CC transaction history online. Rewards points mentioned TP (???)

For normal days, just call CS over the phone and tell them you want to redeem voucher(s). Just get the voucher code ready. Usually when I redeem for vouchers, either I am on my computer screen looking at the code or write the code down in post in note at windows sidebar.

Now I know why AMEX only credit the 8X points next month is so that we cannot redeem the points during Treats Fair.

Edited**

Just called AMEX CS at 1800889559, confirmed that AMEX GOLD CC refer to AMEX MR catalogue and not MBB TP catalogue. But I guess most of you already know.

This post has been edited by Gen-X: Jul 26 2009, 10:22 PM

Nice collection Tinkerbel, see you also got both Citi Clear and Plat and you talking about can't have 2 "different" cards from same issuer. Must say your SCB VI looks nice.

Waiting to see your SCB character card soon

As for AMEX, AMEX Gold CC looks better than the Plat. Saw a lady with AMEX Plat CC during Treat Fair and it looked so plain. OMG, now I talking about card nice looking or not