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 CREDIT Card Thread v2, Everything about the world of plastic

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WaCKy-Angel
post Jan 15 2008, 08:12 PM

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QUOTE(ychwang @ Jan 15 2008, 06:46 PM)
Had anyone used cc at petrol station but forget to collect the slip before?
help... i had forgotten to take the receipt, and someone already taken it. what should i do?
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No need worry....no use if they take it

QUOTE(ychwang @ Jan 15 2008, 07:44 PM)
nope, my Amex always show full including exp date.
I had seen b4 at that petrol station,
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Amex yes, it will show because its not considered "credit card" although Maybank Amex Credit Card is called "credit card"
If u dont understand its ok, its technical stuffs but just know that it does show full details (except the CVV ofcourse).
WaCKy-Angel
post Jan 15 2008, 11:57 PM

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QUOTE(vin_ann @ Jan 15 2008, 10:13 PM)
dammit... the Carrefour cashier so rude....
i was expecting they know how to use the Visa Wave things...

whose know the Cashier said: I DO NOT KNOW USE VISA WAVE, I ONLY KNOW HOW TO USE NORMAL WAY...

sweat.gif  sweat.gif  doh.gif  doh.gif  doh.gif

back at home, i got the letter from Citibank. it's a citibank gold card...  sweat.gif
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They should know how to use it..If u really want, u can complaint to their management about the cashier attitude.

QUOTE(ychwang @ Jan 15 2008, 11:17 PM)
but it depend on the merchant machine isnt it?
Because when i bought thing from Watson which use Amex Terminal, it does show full number when i use Visa, but i pay via Amex it will hide the number in the receipt.

Why u said take it also no use?
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Hmm are u sure it show full card number when u use Visa and hide number when using Amex?

Do u still have the receipt?
Tell me the TID or the shop name printed on the receipt and i will check out something.
U can PM me for that.

The receipt printed has absolutely no use if other ppl gets it..
Becoz they cant use the information on the receipt, becoz 3-digit (CVV) number are required when doing online purchase.
Maybe some NBTD might want to try different combination? yeah rite its 3-digit means atleast errm 999 combination?
Bank will be alerted if someone really do that..
WaCKy-Angel
post Jan 16 2008, 09:26 AM

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QUOTE(ychwang @ Jan 16 2008, 12:43 AM)
sorry, my fault, the Amex counter show both Amex n Visa card number in full. I just check the receipt jz now
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Dude PM me the TID and merchant name printed on the receipt.

QUOTE(acks2257 @ Jan 16 2008, 07:23 AM)
@WaCKy-Angel,

dude.. u very familiar with all this amex merchant and credit card staff? u work in amex? or which bank?
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Im not working with bank tongue.gif
Im working with one of the terminal vendor.
WaCKy-Angel
post Jan 16 2008, 09:30 PM

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QUOTE(vin_ann @ Jan 16 2008, 09:08 PM)
arlo,

i got a small letter from Citibank.

READER'S DIGEST CONTEST COMMITTE (despatch notice)

Dear Citibank Credit cardmember,
You have been officially selected to receive your exclusive inviatation for the Reader's Digest RM750,000 Super Contest. The Second despatch will take place within a week to confirm your official inviation.

You will be receiving a white envelope arriving from our Content Committee containing an important message about your Contest Inviatation documents. Please read it carefully and act quickly for an oppourtunity to win any of 2,354 valuable prizes.

if you return your COntest Inviatation Documents in time to claim your Contest Entry Form, you have the oppurtunity to win the Super Premier Prize of up to RM250,000, in which case you will receive a registered letter from Reader's Digest annoucing the processing of your Super Premier Prize cheque for RM250,000.
Therefore, and for your own interest, please act quickly when the Contest Inviatation document arrive. Watch your mailbox so as not to miss your opportunity to added to the Super Permier Prize Winner list.

a trap?

any1 got received this mail???
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From email?
its a trap then
WaCKy-Angel
post Jan 18 2008, 12:50 AM

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QUOTE(QiQio @ Jan 17 2008, 10:49 PM)
I heard the annual interest from 18% has dropped to 15%. Is it applied to all bank?
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I think so...something to do with 2008 budget?
WaCKy-Angel
post Jan 18 2008, 01:38 PM

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QUOTE(ronnie @ Jan 18 2008, 11:54 AM)
Why don't they reward prompt payors with cash back 0f 1% per month ???
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Becoz like tat bank will lose lah...

The idea is bank want them to payback eventhough less interest but atleast they get back money instead of declaring them bankrupt they get nothing
WaCKy-Angel
post Jan 21 2008, 09:54 AM

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I plan to buy things from overseas and sell locally. I come to learn that when I got fraud using credit cards I can file a case and get a chargeback thus getting the full amount back. I'm not sure if that is how it works in Malaysia or not but it's definitely working in the US.
Yes you may get charged back but alot investigation will be made b4 that


1. Can I apply for a card? If not, how about supplementary card from my parents? If no again, do recommend me other method to get a Credit Card
Well its stated 21 years old, but 18 for supplementary (if not mistaken). You can get prepaid/debit card but i strongly not advise anyone to go prepaid/debit card.

2. Usually what kind of fees are imposed onto a card? Annual Fee, Monthly balance fee, erm ... what else ?
doh.gif doh.gif doh.gif doh.gif
Usually, that's all..But some also charge like RM10-RM20 processing fee for ezypay/installment scheme. (i believe Maybank no such thing)

3. Say I'm using a Credit card and I pay all my balance before the grace period(I read around it's usually 20 days). Am I charged anything extra?
No problem about that...

4. How does the chargeback method works in Malaysia? (In US it's, when I noticed I got fraud today, I file complaint to the bank, then I get the full amount back and in the same time the bank investigates the complaint)
Its the same, but usually u wont know when fraud happens but its the bank that knows and contact u.

5. I heard HSBC and Citibank are the best so far. How do they differ actually from company to company??
Thats just rumours and im very good with Maybank becoz i their internet banking is good.
Payment just using internet and pc...but u have to go to hsbc or citibank branch to pay for that.

6. How does APR(Annual Percentage Rate) works ? I read around, i think it's something like ... say a Credit card has 18% APR. But it's chopped into 12 months and charges you about 18/12% every month over your balance. Is that correct? Need confirmation smile.gif
I sux at calculation, yea its like that...and the rate is reduced to 15%

7. Why is everybody so crazy over the cashback/credit service offered by some of the credit cards? I'm not sure but are they real ??
I never know how to use Citibank Cash Back...But now using UOB One Card atleast i know how to redeem the cash.
Its almost same with award point cards, just that u get cash rebate instead of points to redeem gifts.


Well I look up most of my information on types of credit cards at moneysection.com but I'm still unsure in certain areas. Hope you pros can help out smile.gif
Like?

This post has been edited by WaCKy-Angel: Jan 21 2008, 09:55 AM
WaCKy-Angel
post Jan 25 2008, 09:08 AM

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QUOTE(vin_ann @ Jan 25 2008, 12:30 AM)
From 62002

Guaranteed Moneyback! Swipe 8X min RM100 per mth on your Citibank creditcard. RM1 Moneyback for every RM100 spent. SMS Y to 36700. Details at citibank.com.my

any1 got received this sms???
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U want to earn RM8 for using RM800/month?
wow u must be rich tongue.gif
WaCKy-Angel
post Jan 28 2008, 01:11 AM

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QUOTE(HMMaster @ Jan 27 2008, 02:20 PM)
I'm planning to get a credit card soon, but I dont know which bank to choose from. The main reason I'm applying for a CC is because of the 0% interest installment plan. This is my first time applying, hope you guys can give me some advice. Thanks!  notworthy.gif
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I would suggest Maybank becoz that is the widest range of installment plan available...

But its better if u get it from the same bank that u have a savings account there..
Atleast repayment are easier.
WaCKy-Angel
post Jan 29 2008, 09:19 PM

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QUOTE(hye @ Jan 29 2008, 09:15 PM)
CIMB PETRONAS MasterCard

http://www.cimbbank.com.my/index.php?ch=su...7&tpt=cimb_bank
*


The new Petronas Maybankard Visa! The fastest way to earn FREE petrol!

http://www.maybank2u.com.my/consumer/onlin...nas/about.shtml
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Shell Citibank Credit Card

http://www.citibank.com.my/APPS/portal/gen.../card_shell.htm
Looks like the war has begun between the 2 companies (Shell and Petronas) has begun!
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WOW cool im going to get the Maybank one...
And it says FREE FOR LIFE (with 2x swipe each month i bet)
WaCKy-Angel
post Jan 29 2008, 09:40 PM

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QUOTE(David83 @ Jan 29 2008, 09:20 PM)
I thought it stated free for life without any condition. Did I misread? I confirmed it with CSE too.
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Cool then ima getting one
WaCKy-Angel
post Jan 30 2008, 10:59 AM

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QUOTE(shiniraz @ Jan 30 2008, 10:58 AM)
Darn.. dont know this card exist..just got my cimb classic card yesterday after 3 weeks waiting time..
Is there any way that i can switch to the cimb petronas cc from my classic cc ? considering i'm a loyal petronas customer  smile.gif or i need to apply for the new one ?
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Just call CIMB that u dont want the card anymore....

If u havent activate the card that is...
WaCKy-Angel
post Jan 30 2008, 02:16 PM

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QUOTE(Robyn @ Jan 30 2008, 11:14 AM)
Anybody who wan2 apply for Petronas Maybankard Visa ! Can call /sms me directly !! Free gift will be given ! as i'm one of the agent !!

The new Petronas Maybankard Visa! The fastest way to earn FREE petrol!

http://www.maybank2u.com.my/consumer/onlin...nas/about.shtml


rclxms.gif  rclxms.gif  rclxms.gif  rclxms.gif  rclxms.gif  rclxms.gif  rclxms.gif
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Im agent too...

Can PM me too tongue.gif
I bet my FREE GIFT is more attractive than his... try me tongue.gif
WaCKy-Angel
post Jan 30 2008, 04:30 PM

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QUOTE(David83 @ Jan 30 2008, 04:20 PM)
Personally, I think Maybank Petronas credit card deal is more attractive.
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Hmm so CIMB offer 0.5% rebate on retail but do they get any points?
If not, so its also same like maybankard treatpoints....
Just different kind of points

Im going to get CIMB too since its free for life...

QUOTE(Aeon_Clock @ Jan 30 2008, 04:22 PM)
hey, after the 31st July 2008 promotion period...are they still gonna give points for using the card at Petronas?
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About that, after promotion date then wont have anymore loh unless they extend it.

Added on January 30, 2008, 4:31 pm
QUOTE(knight_kriss @ Jan 30 2008, 04:25 PM)
but cimb card give more rebates
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Like i said above, if they only give 0.5% rebate and no points then its the same like maybank get points but no rebate..
The value is same just different is one get point to exchange gift and one get cash rebate.

QUOTE(g00glesYYl @ Jan 30 2008, 04:26 PM)
i think the 2% rebate is very good deal. since it is regardless of the carry forward balance.

Maybank need me to do the redemption.

edited: too bad the CIMB one does not come with paypass.
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UOB also 2% lar...wait was it 5%?
GSC is 2% if not mistaken....BHP is 5%

This post has been edited by WaCKy-Angel: Jan 30 2008, 04:31 PM
WaCKy-Angel
post Jan 30 2008, 04:33 PM

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QUOTE(g00glesYYl @ Jan 30 2008, 04:26 PM)
i think the 2% rebate is very good deal. since it is regardless of the carry forward balance.

Maybank need me to do the redemption.

edited: too bad the CIMB one does not come with paypass.
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I believe this Maybank card is a new technology..
It is PAYPASS + Visa WAVE = PayWave
Meaning in future either paypass or visawave machine can accept both card..

Dont tell anyone i leak out this info tongue.gif the software is still under coding now

This post has been edited by WaCKy-Angel: Jan 30 2008, 04:34 PM
WaCKy-Angel
post Jan 30 2008, 04:37 PM

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QUOTE(Aeon_Clock @ Jan 30 2008, 04:32 PM)
plus, their rebate don't have promotional period...meaning it'll go on till after 31st July 2008, rite?

Added on January 30, 2008, 4:33 pm
wah, 1X points also tak ada?
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Most probably since creditcards doesnt get points at pump station anymore, except maybank Amex.

Someone check out CIMB promotion period go go

Added on January 30, 2008, 4:38 pmLMAO now i get it...
CIMB 2% rebate is a scam

http://www.cimbbank.com.my/index.php?ch=su...7&tpt=cimb_bank
CODE
* Rebate is subject to a maximum spending of RM2,500 at PETRONAS service stations or rebate of RM50 per card per month.


Uhm anyone understand that clause?
Ahh so i get it now....the rebate only u can get maximum of RM50/month..
RM50 rebate means 2% of RM2,500 rite?

This post has been edited by WaCKy-Angel: Jan 30 2008, 04:39 PM
WaCKy-Angel
post Jan 30 2008, 04:44 PM

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QUOTE(g00glesYYl @ Jan 30 2008, 04:41 PM)
aduh.  doh.gif  can not be!!!

if you need the terminal to be accept both vasa&mastercard, the terminal should be the one to be customized. Not the card.
*
Hmm good point....im not sure, but maybe paypass didnt want to develop the new software so Maybank had to develop on their card?

But anyway, its true in future all VisaWave terminal will able to accept Paypass too (this is sure coz my company is the only official VisaWave vendor in Malaysia)
WaCKy-Angel
post Jan 30 2008, 04:54 PM

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QUOTE(David83 @ Jan 30 2008, 04:51 PM)
I think Visa Paywave is going to work in Visa Wave and Mastercard Paypass EMV.
More information on Visa payWave:

http://www.visapaywave.co.uk/flash/html/main.html
http://www.visapaywave.co.uk/flash/html/main.html
*
Yup..

Oh now my brain is getting straight...
For VisaWave to work in Paypass terminal, the card must have something to communicate with the terminal..
So does Paypass card to work in VisaWave terminal...
So the point is not only the terminal must have new software but the card too...

Soon u will see Mastercard with "PayWave" too

Added on January 30, 2008, 4:55 pm
QUOTE(g00glesYYl @ Jan 30 2008, 04:53 PM)
One card is either VISA (visawave) or MASTERCARD (paypass). Can not having the two account link inside one card. However, in theory, it can be done but not in business point of view, unless visa brought over mastercard lol

However, i agreed with you that in future all VisaWave terminal will able to accept Paypass too or the reverse way. this is the matter of time.
*
doh.gif doh.gif doh.gif doh.gif

Its not about the account, its about communication..

VisaWave and Paypass are just a form of communication between terminal and card.
It has nothing to do with account.

This post has been edited by WaCKy-Angel: Jan 30 2008, 04:55 PM
WaCKy-Angel
post Jan 30 2008, 05:17 PM

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QUOTE(Aeon_Clock @ Jan 30 2008, 05:14 PM)
both are pretty equal I must say. Although CIMB has slight advantage with their (probably forever) 2% rebate compared to Maybank's 5X points till July.
*
But do u really use PETRONAS? If im not mistaken PETRONAS fuel is higher abit than other company rite?

I believe Maybank and Petronas will come up with another different promotion after 31st July..
WaCKy-Angel
post Jan 30 2008, 05:20 PM

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QUOTE(David83 @ Jan 30 2008, 05:20 PM)
Fuel is higher? Meaning what?
*
I mean the price...
Ron97 is RM1.92 rite? i think Petronas is RM1.95 or something..
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