Most of the banks I asked mentioned that the supplementary bill is sent to the principle card holder. Which cc provides an option for the supplementary bill to be sent separately to the supplementary card holder? (Without revealing the card activities not related to him/her)

What you can see via CIMBClicks (for both CIMB and DA cards) would be the

Transaction date
Posting date
Transaction description
Amount Charged

Unfortunately there's no PDF version of the statement that you can download nor it shows your accumulated DA points. David83 if you are familiar with Maybank2U transaction cc display ... it's about the same thing.

This post has been edited by hye: Feb 3 2008, 06:19 PM

I favor CC with e-Statement (PDF) facility as I don't have to bother about the statement in paper form anymore. You can keep years of statement without the need to worry about the tons of paper that it accumulates.

Emm yes ... I miss out on that point.

Emm ... that's a new perspective I never thought before. I'm OK with cc usage discipline and maybe that's why I never thought of it before.

It depends on the bank's policy. The general rule is up to 85-90% of your credit limit. Might be lower or slightly higher but definitely not 100% of your limit.

Normally it's minimum RM1k per transfer with up to 3 transfers maximum but this depends on how long is your BT repayment. I have seen banks asking for min RM2k for a 36 months repayment.

Plus it's not a good habit to have if you want to take care of your credit history.

It's a good idea to use the IBG / GIRO services to pay your bills. Save you time and efforts to pay your bill.

This post has been edited by hye: Feb 4 2008, 01:20 AM

Emm ... you are asking for a very complicated service. There's this balance transfer facility where you can transfer balance from cc to another cc from another bank. But what you are trying to do is to perform this on a monthly basis which I think if you keep it up, no bank would eventually want to entertain you anymore. Plus most balance transfer facility is chargeable with a small fee. Why would you want to go through all that hassle ? (Not to mention irk the banks)

Well ... there's the IBG / Giro transfer that you can use since you already have M2U. If you don't want to pay the RM2 fee then PM me and see whether you like my solution or not. (Even you use cheque also got costs ... cheque stamp duty, petrol/postage)

This post has been edited by hye: Feb 4 2008, 07:15 PM

RM 50 is a lot of money but it is to discourage people from paying up late. Well, you gotta be fair to those people who pay up on time + in the first place the bank provides interest free period of 20 days.

The simple answer is No. No such thing exist.

You know the answer to this one. It's the service which you get charged for RM 2.

Call the call center for a temporary credit limit increase. The speed which this will be approved depends on the bank, some almost immediately ... some within the next working day. (E.g. UOB require 1 working day) Temporary credit limit increase is normally valid for 1 month.

Of course the request need to be reasonable -> asking for a double credit limit increase will highly be rejected. I think the banks won't blink if you intend to increase it by around RM3-5K.

Emm ... there's another way but I'm not sure whether it's still available or not. (Don't quote me on this one) Not all banks offer this and it depends whether they want to allow you to do this or not. You may back the credit limit using a long term FD - e.g a RM30K limit would require you to put in FD for RM30K (12 months) but you can't take the FD out so long you intend to use it as collateral. The moment you do that, your card is canceled.

Credit limit is initially set at 1:1 ratio but the bank will improve the ratio once you can prove good payment track record. (Maybe up to 1:2 ratio) I came across this while I was at one of the local bank card center applying for a credit limit increase. The person beside me was bargaining with the cc credit officer to increase the credit limit after topping up the FD value.

Of course the easier method is to get someone you know with a higher credit limit to get it for you. Surely no problem if you will back the purchase with cash upfront to your friend

This post has been edited by hye: Feb 5 2008, 10:25 PM

I assume your card is more than 12 months. In most cases when you use your existing card as proof then you are likely to get the same limit back. You can try asking for more but I won't put this much hope if I were you.

BTW ... EON bank got a very strict credit history background check and they impose an additional 2.5% surcharge on top of your usage for international purchases.

Not a surprise. Almost all gold cards have 10k as their entry level limit.

I slightly disagree on this part because my bank (Citibank) never offer this to me at all !

No lah ... I know someone else with the same card type but yet higher credit limit than I am. Sometimes I think loyalty with cards does not pay off. But of course I think some of the guys here have better luck than me Hahaha

I think you are speaking about the UOB One card? 4% rebate only for purchases RM 50 and above (Till October '07 only. After Oct 2007, min of RM100 )

This little problem is well mentioned in many threads. Well, the banks makes just 2-2.5% from the merchant, surely it's eventually unsustainable to give you the 4% rebate.

Mastercard Paypass does not need a signature. I've used MC Paypass at Isetan outlets before (One of the early adopters before it fizzles out. Now don't see they use the terminals anymore) and they never ask for signature. Probably the KFC staff was unsure and asked for a signature anyway.

David83 ... Happy New Year to You !

This post has been edited by hye: Feb 8 2008, 09:38 PM

I'm still using Citibank though and it's perhaps the only bank with a comprehensive list of bill payment payees that you can pay your bills using your credit card. The next closest competitor would be M2U I think.

Normally I pay them using cheque so never need to queue up. Just drop the cheque and go. This card is already in my cancellation list for this year - will do so once I clear my EZ payments.