Let's continue your discussion in this new thread.

1. Visa
2. Mastercard.
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. Etc.

1. Annual fee matters

No need to request for waiver
CIMB Direct Access Platimum and Gold - requirement Professional/Graduate.
UOB Platinum - got to have BOTH MasterCard and Visa and swipe minimum 6 times/card.
Alliance Platinum - swipe 12 times a year or spend RM3,000/year.
RHB Evo - got to swipe once a month or RM8 is charged for that month.
OCBC Platinum Robinson - got to spend RM8K/year inclusive of minimum RM1K at Robinson
MBB Flex -got to swipe twice a month or else charged RM3.95
Citibank Choice - 2 transactions in a month
CIMB Mastercard Paypass - free for life without conditions

2. Tap and Go - no signature required matters

Visa Wave - MBB, UOB
Mastercard Paypass - CIMB, CIMB DA
Visa payWave - MBB Petronas

**Transaction is limited to RM 110.**

3. Important Notice for CIMB and CIMB DA card holders

Termination of Flexi Pay, Flexi Pay Plus and Balance Transfer programmes effective 15th January 2008.



4. Credit Card linked to Petrol Giants

BHP-UOB
Shell-Citibank
Petronas-MBB Visa Gold with payWave (free for life with no conditions)
Petronas-CIMB Mastercard Gold (free for life)
All petrol brands with CIMB DA Mastercard with rebate up to 2% monthly*.

5. Standard financial charge (interest rate)

Retails purchases: 18% p.a or 1.5% p.m from statement date upon paying the minimum amount.
Cash advance: 18% p.a from the date of withdrawal.
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.

This post has been edited by David83: May 6 2008, 04:54 AM

perhaps someone can list down all the cards available for each category from diff banks ?

Hi,
First time here.
May I know where can I check whether my card already send out or not???
I applied together w my friend. And my friend already have the CC.

FYI. My CC is CIMB Direct Access.
Thanks

-pWs-

What do you guys pay via credit card most of the time? Do you all settle the outstanding at once or by paying the minimum payment each time?

pay via credit card :
- phone bill
- shopping (>rm35)
- dining ( >rm50)
- petrol
- insurance
- any bill if applicable.
- books subscription.

pay when i m not comfortable with the outstanding amount , etc : >1000, it can be every week, but definitely not more than 3weeks.

agreed.

mine is same as above. but i always fay full amount. no point let bank earn interest.

Which amount you do not feel comfortable with? Mind to share?

i mean when i check my outstanding the amount is >1k i will pay straight eventhough it could be 2weeks from billing date.

Ops, okay got you this time

When I first had my credit card with the 3k credit limit, I terribly love to max up my credit card. Before the due date, I would attempt to hit the highest debt possible, like in open defiance. The highest I did manage to is RM2,992.56. Nowadays I can't do that anymore cause my credit limit is high. If I do that there is no way I can pay my balance in full.

Haha I do that just so that I could 'limit up' my CC as I desperately wanted to buy a DELL pc back then and I need it fast

u don hav to do tht also can increase ur limit by just a call or put in application...

I gave them a call after a few months that I would like a credit limit increased to RM xxxx. Thankfully, they raised it without question. If I didn't use a lot I assume that they will ask for my payslip which guarantee will fail.

You tried calling the bank?

http://www.moneysection.com/index.php
Pls refer to that, its not very updated but atleast got alot info.

How do u able to spend RM3000 whilst your salary is not more than RM2000 ????
Im sure your salary is not more than RM2000 else u would have get higher credit limit, no?

What do u mean "limit up"?
So that bank will raise the credit limit for u? they dont usually do that except u have been using the card for atleast 1-2 years.

I just got my card raised RM1000 automatically.

Nono, you dont need 4k salary to buy dell 4k laptop, My friend had max his credit limit at 6.3k(with 6k limit and settle full after statement arrived, weird overlimit but no extra charge). Then bank just give him another extra 100% limit upgrade.



Has anyone know is paypass work as HK optopus? Can i dont need take out my card, and wave my wallet on the machine to made the payment, can it be done?

This post has been edited by ychwang: Dec 22 2007, 09:40 PM

Simple, my petrol is 100% claimable. Its about RM400 a month. I practically paid everything with my CC and thats about RM900 and thats about RM1,300 a month. But yeah back then my salary was only RM1.5k. I was really pushing it. By the time its near the due date its about 3k. So when my card is maxed up and and I paid the statement balance in full, it creates the impression that my credit limit is limiting me and not my salary. It works.

Not yet. Will go to the bank on Monday since the bank just beside my company

-pWs-

anyone using the OCBC Robinson Platinum MasterCard?

sigh... i din my OCBC CC to Robinson.....

the pants cutting need to extra charge..... RM10 le..... not FOC during SALES....

btw, OCBC credit card agent is every where inside the Robinson...

RObinson = OCBC
Metrojaya = Citibank - can get 10x rewards point...

They're doing promotion at Queensbay Mall.