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 CREDIT Card Thread v2, Everything about the world of plastic

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Darkmage12
post Mar 10 2008, 08:00 PM

shhhhhhhhh come i tell you something hehe
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QUOTE(eric84cool @ Mar 10 2008, 06:35 PM)
I tot there is even more higher status after platinum which named as Visa infinite, blackcard etc....
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Visa is different. For MasterCard the highest status to date should be World MasterCard Elite
arsenal
post Mar 11 2008, 07:43 AM

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QUOTE(WaCKy-Angel @ Mar 10 2008, 07:29 PM)
OMG i received an American Express card (not Maybank AMEX) via poslaju today.
And i had never applied for one.

Should i keep the card or call them to cancel it?

I dont see any reason i should keep the card, except that it might look cool to own an American Express card.

And not only that, for eligible to get reward points, one must register either one of their reward programs that are charged RM25-RM100 annually.

And the card annual fee itself is RM95.
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maybank AMEX how much the annual fee??thanks...
cute_boboi
post Mar 11 2008, 09:57 AM

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QUOTE(arsenal @ Mar 11 2008, 07:43 AM)
maybank AMEX how much the annual fee??thanks...
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http://www.maybank2u.com.my/consumer/onlin...kcc_about.shtml

Single card:
classic: rm60
gold: rm130

multiple cards:
classic: rm90
gold: rm195

saimatkong
post Mar 11 2008, 10:54 AM

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hey, wat do u all think of this ?

Citibank Credit Shield Plus to care for you.

What You Get

* Citibank Credit Shield Plus takes care of your outstanding credit card balances in the event of Temporary Total Disability, Permanent Total Disability, Diagnosis of 36 Critical Illness or Death
* Up to RM 100,000 for each Silver, Gold and Clear principal cardmember
* Up to RM 300,000 for each Platinum principal cardmember
* 30-day free coverage
* Hassle-free enrolment
o Citibank principal cardmembers aged 21 to 59 are eligible for Credit Shield Plus protection without answering any health question or taking a medical examination - as long as you declare that you are in good health and free from any physical deformity in the enrollment form

ow It Works

* You pay as little as 65 cents for every outstanding balance of RM 100 each month
e.g.
This month's outstanding balance = RM 1000
You pay = RM 6.50 per month

* Premium payments will be debited monthly from your Citibank credit card account
* Assurance will be terminated if the credit card account becomes delinquent

http://www.citibank.com.my/APPS/portal/gen...credit_card.htm

Is is worth or it's useless?
Btw, if a person die, his family members need to bare the debts of the credit card? I tot no right?
cute_boboi
post Mar 11 2008, 11:02 AM

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QUOTE(saimatkong @ Mar 11 2008, 10:54 AM)
hey, wat do u all think of this ?

Citibank Credit Shield Plus to care for you.
 
» Click to show Spoiler - click again to hide... «

Is is worth or it's useless?
Btw, if a person die, his family members need to bare the debts of the credit card? I tot no right?
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It depends on individuals. It is useful for those who don't pay full amount, and have huge debt, in case they get sick or disabled, they don't need to worry about cannot work to get salary to pay CC debts.

For me, it is useless, as I pay in full every month, and I set aside some $ for my current month expenditure bills.

IINM, debt is individual, they cannot chase your parents/wife/children... unless you borrow from Ah Long.

saimatkong
post Mar 11 2008, 03:06 PM

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QUOTE(cute_boboi @ Mar 11 2008, 11:02 AM)
It depends on individuals. It is useful for those who don't pay full amount, and have huge debt, in case they get sick or disabled, they don't need to worry about cannot work to get salary to pay CC debts.

For me, it is useless, as I pay in full every month, and I set aside some $ for my current month expenditure bills.

IINM, debt is individual, they cannot chase your parents/wife/children... unless you borrow from Ah Long.
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ya. same me too settle full bill. but just incase when u haven't settle full bill and something happen.

i think so too. they can't force the family to pay right? is there a law on that?
g00glesYYl
post Mar 11 2008, 03:13 PM

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Can i use the CIMB secure e-pay to pay me maybank visa cc's bill?

Or, i can pay the CIMB cc's bill online using maybank visa cc?
jasondotcom
post Mar 11 2008, 03:14 PM

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i have been using Cimb Credit Card since mid february 2008 till today. But i have not received any statement on my usage?

how come ah? any ideas?

Cuz i just cleared my debt without seeing the statement, by checking the amount using the ATM machine.

Please advise...
g00glesYYl
post Mar 11 2008, 03:19 PM

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QUOTE(jasondotcom @ Mar 11 2008, 04:14 PM)
i have been using Cimb Credit Card since mid february 2008 till today. But i have not received any statement on my usage?

how come ah? any ideas?

Cuz i just cleared my debt without seeing the statement, by checking the amount using the ATM machine.

Please advise...
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Call to check ur mailing address.

And make sure ur house nearby have no naughty kids 'playing' with ur letter.
jasondotcom
post Mar 11 2008, 03:35 PM

F**K RACISM
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QUOTE(g00glesYYl @ Mar 11 2008, 03:19 PM)
Call to check ur mailing address.

And make sure ur house nearby have no naughty kids 'playing' with ur letter.
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but then initially i got the offer of credit card by them via my mailing address wor.
ronnie
post Mar 11 2008, 03:46 PM

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QUOTE(jasondotcom @ Mar 11 2008, 03:14 PM)
i have been using Cimb Credit Card since mid february 2008 till today. But i have not received any statement on my usage?

how come ah? any ideas?

Cuz i just cleared my debt without seeing the statement, by checking the amount using the ATM machine.

Please advise...
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Mid Feb = 15 Feb 2008...today is also mid March
So just wait or else you can call the CIMB customer care line to verify
jasondotcom
post Mar 11 2008, 04:01 PM

F**K RACISM
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QUOTE(ronnie @ Mar 11 2008, 03:46 PM)
Mid Feb = 15 Feb 2008...today is also mid March
So just wait or else you can call the CIMB customer care line to verify
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ok thank you. sorry for the silly questions yah!
babylabbit
post Mar 11 2008, 05:31 PM

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Citibank Credit Shield Plus

SCAM MONEY ONE.....

unless u pay FULL SETTLEMENT b4 bill mali tongue.gif

if BILL come....got charges already one....

citibank customer service call me b4 for this service said all card MUST have one...i said lidat cut jer... tongue.gif
saimatkong
post Mar 11 2008, 05:48 PM

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QUOTE(babylabbit @ Mar 11 2008, 05:31 PM)
Citibank Credit Shield Plus

SCAM MONEY ONE.....

unless u pay FULL SETTLEMENT b4 bill mali tongue.gif

if BILL come....got charges already one....

citibank customer service call me b4 for this service said all card MUST have one...i said lidat cut jer... tongue.gif
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huh ?? pay full settlement b4 bill mari ? wat is that ah... apala...
so u using it now?

then i think i want to cancel also ler....
babylabbit
post Mar 11 2008, 06:07 PM

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mean if u swipe 3000 this month...
u must bayar habis b4 the bill come...

if bill mali tulis 3000 u see got special extra charges one...

even if u intended to bayar habis in the 20 days free interest period...

me still using citibank..but without the so call credit shield......
saimatkong
post Mar 11 2008, 06:11 PM

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QUOTE(babylabbit @ Mar 11 2008, 06:07 PM)
mean if u swipe 3000 this month...
u must bayar habis b4 the bill come...

if bill mali tulis 3000 u see got special extra charges one...

even if u intended to bayar habis in the 20 days free interest period...

me still using citibank..but without the so call credit shield......
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wahlau then it's damn tipu... they never say properly. said clear the outstanding statement wor...
so u actually tried that and canceled ? no need to pay to cancel right?
they haven't send me the details that they said want to send me to me and just called me today. so i think i better call to cancel now. mad.gif
babylabbit
post Mar 11 2008, 06:18 PM

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try n cancel already ahhahaha.......

cancel u kenot cancel directly one..must fax to another nombor one...

coz this one provided by another insurance company one...

p/s: u can try one....swipe 100 bux see bill come tongue.gif dont swipe big big wor tongue.gif


saimatkong
post Mar 11 2008, 06:27 PM

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QUOTE(babylabbit @ Mar 11 2008, 06:18 PM)
try n cancel already ahhahaha.......

cancel u kenot cancel directly one..must fax to another nombor one...

coz this one provided by another insurance company one...

p/s: u can try one....swipe 100 bux see bill come tongue.gif dont swipe big big wor tongue.gif
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damn it. I just called them and request to cancel!

so the will send me the form and need to fax them back also. aiyorr..

this gal jessy is better. She explain just like urs but this morning the other gal told me different thing... vmad.gif

So ppl who using citibank card beware!
babylabbit
post Mar 11 2008, 06:28 PM

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other cards beside citibank provide credit shield also heheheh
vin_ann
post Mar 11 2008, 09:18 PM

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QUOTE(saimatkong @ Mar 11 2008, 03:06 PM)
ya. same me too settle full bill. but just incase when u haven't settle full bill and something happen.

i think so too. they can't force the family to pay right? is there a law on that?
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i dun thinks u will spend a lots of CC right?

i thinks if u got outstanding amount of like more than 5K, then it's worth to invest 65cents a day to protect ur family.

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