seldom...I got too many bills to pay. But its the year end...and my CC debt skyrocket-ed. Car insurance, repair and other bills...

Hai..... Need recommendations from sifus here....

I had been using CIMB CC and erm, it's ok using it, paid fully everymonth. but erm...... it's like, wow UOB One card are giving instant cash rebate..... wtf..... i want to get discount in petrol and shopping.

so, it that ok if i change from CIMB CC to UOB One CC .... will UOB One CC causing trouble like extra charges on erm..... hidden charges?

FYI, I use my CC for Petrol & some shopping... mostly is on petrol...
and i studied that after 6 swipes on UOB card will have annual fee waiver... anyone experienced after 6 swipes still kena annual fee? cos the UOB One Annual Fee is quite expensive... RM300++ ....

Please advice~~~ thanks !!

Well, don't fret as long as its the necessary stuff.

popopi,

My 2 sen:
- Try and target 1-2 CC is enough, so that your points don't get spread out.

- Alway pay in full. Don't try. MUST.

- Check which bank/issuer has best offer/benefit

- Get those free for life which does not need you to call up and ask for a/f waiver. Some might has small print T&C.

- If bank don't offer a/f waiver, cancel and apply others.


What I recommend:
- MBB Amex = gives 2x points. Not many shops take Amex, but try to use it as frequent as possible.

- Citibank = I think has the best offer. Current offer till 31/12 = Buy 1 coffee-bean, free 1.

- Get another one if you need, free for life or with some rules like min RMxxx/mth or xx swipes per mth/yr. Put all direct debit things like TNB, Syabas, h/p, insurance, etc. to fulfil the minimum free for life requirement. Whatever over/above the requirement, put in Amex auto-debit, refer rule #1, 2x points.

i always pay in FULL....

yup, i always pay in full also.. the bank must be hating me, becos i make them have not even a single chance to earn any cent of the interest from my credit card bill.. hahaha

Well, if majority of the subscribers did that, then it may hurt them. But if just a small percentage, then you know the answer.

I also pay my CC bills in full. For HSBC, I always overpay since the CDM accepts on RM 100, 50 and 10 notes.

haha... u r damm good credit card user which bank will hate u.....

i would choose to pay my malaysia hsbc credit card bill via maybank2u instead... too troublesome to visit the branch to deposit money... and somemore cannot pay in exact amount, while the excess amount in the credit card account will not earn interest too... the transport fee to travel to the branch cost more than the rm2 fee for using maybank2u to pay too...

and the most important is, it is too dangerous in JB already, i would rather pay the rm2 instead of risking my self to go out purposely for just paying the bill @ the branch....

i never overpaid, but exact value because same back as my saving acc.
due date is 13th, i paid on 13th on exact amount, never paid earlier.

if u got account with HSBC... u can do auto-debit.

yeah... me too... never paid earlier... paid on time...

i have the powervantage singapore account, but i dun have any HSBC malaysia account, do not need so many malaysia savings account, one will do, maybank is good enough.....

if we pay full, they earn less...but don't forget they're earning from merchants too

I just submitted an application for CIMB DA.

u work in sg or malaysia?

u are late....

im just submitted on 24 Dec 06...

let's see how fast we can get our card...

Malaysia

How you applied? I submmited at the CIMB bank branch.

That only applies if you spend a lot every month...like a thousand or more. But if you spend only a few hundreds every month and you pay back in full, they are earning peanuts. The bank earns the most from you if you maxed up your credit card and pay enough that you are able to use it only for your monthly cc transactions.

im printed out my affiliation form from net fill in and attached the required documents and submit to CIMB bank branch.

are u working in singapore as well?

if i work in sg, can apply the CIMB DA also rite? u submit the application urself or thru agent?