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 CREDIT Card Thread v2, Everything about the world of plastic

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Aeon_Clock
post Jan 31 2008, 09:01 AM

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dude, its only saying the MAXIMUM rebate lah. You don't have to spend more than RM2500 to get the bloody 2% rebate doh.gif They'll rebate you if you spend RM2500 or less...not more than that.
Aeon_Clock
post Jan 31 2008, 09:13 AM

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QUOTE(shiniraz @ Jan 31 2008, 09:05 AM)
yes i already know that fact, but if only pump RM500/mth == RM 5 rebate/mth. not quit interesting. That's my pov.
that's only my 2 cents Aeon..
thanks
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err...2%...so its RM500/mth == RM10 rebate sweat.gif
well, I think in the end...its better than getting points. Do you know what's the value of Maybank's points? 9000 points = RM50 voucher, the more points you get, the more value the voucher is. But with that calculation alone...1 point is RM0.005 cents. If you spend RM500 (after the promotion period) that gives you 500 points...meaning you only get RM2.50
Just my nagging laugh.gif

anyway the CIMB card...website never mention abt the condition. But newspaper (or was it kadmesra website) mentioned both have the same free for life benefits.
Aeon_Clock
post Jan 31 2008, 09:41 AM

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QUOTE(shiniraz @ Jan 31 2008, 09:19 AM)
hahaha..darn... wrong calculation.. stupid me.. hahahah... tongue.gif thanks aeon..
last time i heard there were some cimb agents here.. maybe one of them can help us clarify this point please..
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why don't you just call CIMB and ask them?

QUOTE(WaCKy-Angel @ Jan 31 2008, 09:23 AM)
For Maybank there is no FREE GIFT becoz they simply doesnt give any...
But im giving free gift out of my own pocket Cash Term tongue.gif
*
deduct from your commission rite? Some people are nice enough to do that, like my car insurance agent smile.gif
Aeon_Clock
post Jan 31 2008, 09:49 AM

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lol...looks like CIMB punya services just brought their card value down a bit tongue.gif
Aeon_Clock
post Jan 31 2008, 10:27 AM

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really? I don't have any problems with my Maybank card so far...ady 1.5 years using. Just called them...no wait at all also tongue.gif
Aeon_Clock
post Jan 31 2008, 04:51 PM

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QUOTE(kok_hui @ Jan 31 2008, 01:25 PM)
cimb sux, I called the credit card centre, over 12 mins still no one answer the call, and it wasted me RM 6 for the phone call, dammit!
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call using your land line la sweat.gif
Aeon_Clock
post Feb 1 2008, 10:10 AM

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QUOTE(vin_ann @ Jan 31 2008, 10:48 PM)
any1 have went to 1U maybank to apply the Credit card?
do they open on Sat ?
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they open 24/7
I went there yesterday...and they told me the requirements are thougher. Need to bring all the old documents back there and apply. Unless you ady had your credit card for 2 years and above.
Aeon_Clock
post Feb 1 2008, 05:38 PM

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QUOTE(David83 @ Feb 1 2008, 10:14 AM)
Because it's a GOLD card.

Do you want what I submitted? Let me put it here:

1. A copy of NRIC.
2. 2 months of payslip
3. A copy of degree certificate
4. A copy of existing MBB Visa CC
5. Business card.
6. Latest printout from M2U for my MBB Saving account.

I didn't attach a copy of EA form since it's very outdated.
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yeah, its basically applying for a new card. Anyway just applied only biggrin.gif
Aeon_Clock
post Feb 1 2008, 08:56 PM

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no, I was just about to tell you guys. I was reading the application form just now for fun...it states there that you won't get Mesra points if you use the Petronas Maybank Visa. Not sure about CIMB's...but I think they're the same.
Aeon_Clock
post Feb 1 2008, 10:11 PM

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well, since its an upgrade it should have been increased credit limit as well isn't it? Otherwise it wouldn't be an upgrade at all. Unless there's something else they're looking at here...like maybe your income?

oh yea...that free for life promo may not be available for long. If the promo is here to stay, then I'm sure other banks will start doing the same with new cards and all.
Aeon_Clock
post Feb 2 2008, 12:05 AM

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QUOTE(ronnie @ Feb 1 2008, 10:30 PM)
Credit limit is based on annual income, right ?
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not necessarily...my credit limit was increased all of a sudden but I didn't get any salary increase sad.gif

QUOTE(ronnie @ Feb 1 2008, 10:30 PM)
Petronas system is put credit card first, followed by Kad Mesra/Real Rewards.... inverse from Shell+Bonuslink
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Petronas card will give points...but Mesra won't. Hmm, didn't think about RR. RR and Mesra points same or not?
Aeon_Clock
post Feb 2 2008, 10:34 AM

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QUOTE(hye @ Feb 2 2008, 09:15 AM)
I'm not a big fan of AEON cards as they lost my payment to them before. I even sent over a copy of my proof of payment to them and they deny the payment reaching them even after showing them the proof. (I paid via bank transfer, all the bank-in information is correct)

2 months of endless arguments and no conclusion.  mad.gif In the end, I gave up ... paid whatever they claim was due (it means I paid double) and canceled the card with no hesitation. Thank goodness the transaction was less than RM50 as I was skeptical about them back then and wanted to try out the card with a small transaction first.

It is perhaps the one cc provider that I will never return to nor recommend anyone getting it.  vmad.gif  rclxub.gif I've heard similar feedback from my friends who share the same experience while using this card. Anyone here experienced the same thing?
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just wondering...what kind of proof you showed to them? Usually its more difficult to prove an internet transaction...

QUOTE(WaCKy-Angel @ Feb 2 2008, 09:46 AM)
Hmm Petronas Card wont get points for Mesra card?

Btw how about UOB then?
My math sux somebody help me to calculate...
Last month total card usage is RM493.68
And RM146 for GSC (2%) means the remaining all used for BHPetrol (5%).
And the Smart$ earned is RM15.34 that means i get points too eventhough i also got use BHP own point card
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Petronas card user won't get Mesra points...not card. You can still use the card for other things like the Supercar Bonanza. And maybe Real Rewards points. Actually I didn't know there was any mesra points before...

I believe no other cards give points for using at petrol station. UOB if I'm not mistaken...give you rebate only. Never mentioned about points.


Aeon_Clock
post Feb 2 2008, 12:38 PM

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QUOTE(hye @ Feb 2 2008, 10:49 AM)
It's the completed successful transaction snapshot from my Internet Banking facility. It shows the amount transferred, account no transferred to, time & date. They could have made the effort to trace but they didn't. To me, it proves their inefficiency and this kind of mistake is intolerable - losing a customer's payment.

I could have reported them to BNM but for that small transaction - I figured the effort is far more than the value of the transaction.
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well, it sounds like they didn't even bother looking at your transaction proof. Followed by your bank statement, it should have been enough to prove that you did make the payment...anyway its good that you cancelled that card. Its really useless tongue.gif
Aeon_Clock
post Feb 2 2008, 04:02 PM

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QUOTE(WaCKy-Angel @ Feb 2 2008, 02:20 PM)
doh.gif  doh.gif  doh.gif  doh.gif

I meant im getting UOB rebates and also BHPetrol point when using their card...
user posted image
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you've mistaken with my answer...top part just clarifying abt Petronas, btm part abt your UOB card.

QUOTE(WaCKy-Angel @ Feb 2 2008, 09:46 AM)
Hmm Petronas Card wont get points for Mesra card?

Btw how about UOB then?
My math sux somebody help me to calculate...
Last month total card usage is RM493.68
And RM146 for GSC (2%) means the remaining all used for BHPetrol (5%).
And the Smart$ earned is RM15.34 that means i get points too eventhough i also got use BHP own point card
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QUOTE(Aeon_Clock @ Feb 2 2008, 10:34 AM)
Petronas card user won't get Mesra points...not card. You can still use the card for other things like the Supercar Bonanza. And maybe Real Rewards points. Actually I didn't know there was any mesra points before...

I believe no other cards give points for using at petrol station. UOB if I'm not mistaken...give you rebate only. Never mentioned about points.
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Aeon_Clock
post Feb 2 2008, 11:52 PM

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QUOTE(ychwang @ Feb 2 2008, 06:00 PM)
May i know CIMB Petronas MasterCard have paypass facilities?

Which bank CC got free Personal Accident Insurance?
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Maybank Petronas Card got Etika PA insurance for RM10 per month...
if I'm not mistaken, (Jusco) Aeon's AAM card gives free PA.
Aeon_Clock
post Feb 3 2008, 02:37 AM

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QUOTE(vin_ann @ Feb 3 2008, 12:45 AM)
lucky i dun have any problems with them....

anyways, sometime it's annooying...

Citibanks
always get call from them for the promotion things...

HSBC
only got 1 call since 1yr n 9 months

UOB
stil din got any call yet

OCBC
never got call
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what kind of call you expect from them wor laugh.gif
I use Maybank card for more than a year ady and nobody called me also
Aeon_Clock
post Feb 3 2008, 10:34 AM

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QUOTE(guanteik @ Feb 3 2008, 08:32 AM)
actually what are the reasons one person having so many CC? we can just have 1 card with high credit limit rite...
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To get the benefits lo...not all cards have the same promotions, discounts and such.
and like hye mentioned, some cards are not accepted so its best for you to get 1 Visa, 1 Master. Don't bother abt Amex tongue.gif
but whatever you do, try not to keep any balance in the cards. Always settle the monthly statement in full...

QUOTE(hye @ Feb 3 2008, 09:40 AM)
I get frequent calls from Standard Chartered too. Calls stop after I cancel my card with them.
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why you cancel? Too many fussy calls?
Aeon_Clock
post Feb 4 2008, 08:50 AM

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I got late payment before (actually Internet transaction didn't go through). Dun remember getting any charges...but I got a letter from them telling me I didn't pay for that month.
Aeon_Clock
post Feb 11 2008, 09:45 PM

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» Click to show Spoiler - click again to hide... «

yeah...Petronas cards dun qualify for Mesra points la whistling.gif
Aeon_Clock
post Feb 13 2008, 09:05 AM

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QUOTE(SnoWFisH @ Feb 12 2008, 03:12 PM)
meaning if i insert my petronas mastercard into the cc terminal, after it spits out my card, it will not prompt me to insert my mesra card?  rclxub.gif
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QUOTE(sam240 @ Feb 12 2008, 06:59 PM)
hi...what you mean by this?.....mean no more mesra/realrewards point if use this CIMB or MMB Petronas CC for petrol?
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you may still have use for the Mesra card...if Real Rewards points is allowed. Maybank didn't mention anything about RR points...just said that the Petronas card doesn't qualify for Mesra points. I didn't even knew we had mesra points honestly.

Plus, remember it says you'll get "Double Chance" to win the supercar bonanza promotion with Petronas Card. I believe your 'registration' is by using the Mesra card on the pump too smile.gif


QUOTE(zenquix @ Feb 12 2008, 11:21 PM)
My MBB Petronas Visa approved (can see in M2u). Now waiting for the card lol.

Might apply the CIMB one later if x5 treatpoints no more.
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I'm still waiting for my call sad.gif

This post has been edited by Aeon_Clock: Feb 13 2008, 09:05 AM

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