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 CREDIT Card Thread v2, Everything about the world of plastic

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vin_ann
post Jan 4 2008, 06:53 PM

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QUOTE(Efalex @ Jan 4 2008, 12:13 AM)
Guys, allow me to clarify something here.
DA is originally started by Southern Bank before they merged with CIMB. Their were designed for the "Graduated" which means you must own a Diploma or Degree to apply for it. It's been a Free For Life card since it begin.

The other CIMB (Paypass) are the originally the CC from CIMB, consists of Classic, Gold and Platinum. For the past few only CIMB started offering these as Free For Life. Currently they are promoting the Gold Card with free gift for the walk in applicant (applied on a few branches only - their HQ at Damansara (formerly Southern Bank HQ) for the Klang Valley area). This was advertised in newspaper a while back.

p/s: I'm a Southern Bank CC holder since 2001 and recently they offer an upgrade to Gold Card that are Free For Life.

FYI: EON Bank also offer a Free For Life for their CC with the condition you need to swipe it for at least 12 times in a year (average once a month), but they are very conservative on the credit limit.
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Great information. im submitted my application via CIMB branch on 24Dec and today got calls from SC... they will be sending the card to my house... tongue.gif

QUOTE(l3iTi @ Jan 4 2008, 06:42 PM)
Anyone using this one?

OCBC Great Eastern VISA Gold  ??
I read the features is like this

3-year Annual Fee Waiver and up to 2 supplementary card.
Rebate on Great Eastern and OAC Insurance Premiums.
10% discount on your Will writing.
Free Travel Insurance.
Health Check Privileges.
Applicant must be Great Eastern policyholders .

I wish to know how the Rebate on the Insurance Premiums work...
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Basically, u just redeem using ur credit card points to pay for the insurance premium. tht's all...
for the extract points redeem worth how much of rebate u have to call in and ask lol...

last time i got called to enquired, but it's seems like others CC, need quite lots of point to redeem a RM50 rebate.....
vin_ann
post Jan 5 2008, 05:40 PM

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QUOTE(Shinichi @ Jan 5 2008, 12:09 PM)
Thanks for the feedbacks.

I've paid all my outstanding balance then cancelled the card. They gave me a photocopy CC cancellation form. So I'll keep it as prove of my cancellation. And hopefully the bank will never contact me for anything relate to $$ tongue.gif
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good backup measure to back u up.


vin_ann
post Jan 5 2008, 07:21 PM

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QUOTE(Shinichi @ Jan 5 2008, 05:56 PM)
For me, I went to the counter, payed my outstanding balance and told them I want to cancel my card. They gave me form to fill in, then they punched holes on the chip and magnetic stripe of the CC, and photocopy the completed form with the card on top.
Better be safe than sorry. smile.gif
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how come so hassle ? ? ?

i remember last time when im cancel my PBB card, i just fill in the letter. tht's all. they never request for the card... hehe...

vin_ann
post Jan 6 2008, 04:10 PM

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QUOTE(o0range @ Jan 6 2008, 01:27 PM)
Any Public bank, Citibank cc agent here? Please pm me, would like to apply for card urgently.

Oh ya, pls do not tell me "go directly to the bank and apply", if I got time then i will do so. too bad i don have, at least during office hour. i need an agent to help me with my application.
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QUOTE(David83 @ Jan 6 2008, 02:25 PM)
Why not submit an online application and mail/fax them your supporting documents?
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yups. apply online then only send in / fax in the supporting document.

last time i got heard, u apply online citibank, and they will make arrangement to send people to take the supporting document from ur office... this is what i heard, but dun know got this arrangement o not...

Added on January 6, 2008, 6:25 pmRebate on Great Eastern and OAC Insurance Premiums
Every 2,500 OCBC$ earned will enable you to redeem a RM10 as payment for Great Eastern or OAC insurance premiums*

im just found out...

This post has been edited by vin_ann: Jan 6 2008, 06:25 PM
vin_ann
post Jan 6 2008, 06:51 PM

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QUOTE(DDSFan8 @ Jan 6 2008, 06:29 PM)
If you think Citibank sucks, think again
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are you one of the prize winner?
vin_ann
post Jan 7 2008, 09:18 PM

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QUOTE(Shinichi @ Jan 7 2008, 09:02 PM)
I think if you have bank account with CIMB the process will be faster.

I got my CIMB CCs 1 week after I submitted application form.
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no wonder until now im still not yet get my direct access...
vin_ann
post Jan 9 2008, 12:01 AM

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QUOTE(David83 @ Jan 8 2008, 08:26 PM)
I don't think KFC is going to support Visa Wave so soon. They're collabrating with Mastercard to promote Paypass.

Wondering why will be McD's turn?  hmm.gif
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yeah...saw some branch of KFC is getting ready with PayPass..... it's so timely we getting the CIMB DA.... biggrin.gif

QUOTE(David83 @ Jan 8 2008, 10:40 PM)
Let's see how vin_ann reply on this. I think he also got apply for CIMB DA.

Seriously I don't even know that my card has been approved and delivered if I don't give them a call. At least they should give a call to tell this.
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it's bcoz i din fill-in completely mah... they call for the re-furnish all my info...

anyways, i guess i din write full name for the my maiden mother name colum.... so they call in to ask for my mum full name lol... it's all... haha...
vin_ann
post Jan 9 2008, 09:50 PM

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QUOTE(David83 @ Jan 9 2008, 08:41 PM)
Got my CIMB DA today. They used Pos Laju to courier the card to me.

Need to go through for activation since there's a warning stated that the card is blocked. They offer a credit limit of double my MBB Visa, HSBC Visa and HSBC Mastercard. It also got Paypass feature.
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wah.......so fast...
im still waiting... whistling.gif

btw, urs is gold card right?


vin_ann
post Jan 9 2008, 10:11 PM

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QUOTE(David83 @ Jan 9 2008, 10:00 PM)
1. Gold Card Privileges
2. Free For Life without any condition (no annual fee and no need to call CS for waiver).
3. As you said, lower requirement for Gold Card.
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yups... agreed.

QUOTE(David83 @ Jan 9 2008, 10:02 PM)
Shinichi, are you applying for Mastercard? If yes, do you have anything about Virtual Mastercard?
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once i get my card, my 1st thing do to is Pay my Fees online which is in POund... rclxub.gif

btw, Virtual Mastercard need to activate?
vin_ann
post Jan 10 2008, 08:29 AM

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dammit... im just found a Sorry Note from Pos Laju...

no one is in house when the postman is came yesterday... Sigh...
have to wait until Sat only go to collect my package...

guess it's my DA... haha...
vin_ann
post Jan 10 2008, 02:57 PM

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QUOTE(pangping1510 @ Jan 10 2008, 12:58 PM)
need advice here..looking for a credit card..

1. i wont be in malaysia for long in a year..maybe only 2-3 months..wondering if there is any cc that will suit me?
2. if can, if its online banking is even better..

thanks!
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in this case, u shd consider which bank is the most convenience for you to pay ur CC...
nowadays, all CC got online banking...
vin_ann
post Jan 10 2008, 04:50 PM

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QUOTE(mengfui @ Jan 10 2008, 03:55 PM)
Don't know when only Malaysia Bank will issue an Amex card with Express Pay features which similiar as Visa Wave or MasterCard Pay Pass.
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let's wait and see lol...
vin_ann
post Jan 10 2008, 10:19 PM

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QUOTE(Shinichi @ Jan 10 2008, 09:54 PM)
Ya i know, I was just joking tongue.gif

Anyway for online transaction I still prefer to use my Visa Electron rather than DA CC.
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anyways, not all bank have the visa verified lol.... as far as i know, only HSBC got....

while got Master what code... got no idea....
vin_ann
post Jan 11 2008, 11:37 PM

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arlo....
wan to ask ur all opinion....
i just received Citibank catalog with my statement.

there is GO GREEN / GO PAPERLESS thing, if subscript, we will get 888 points...

what do ur thinks? worth to go paperless? or it's better to received paper statement???
vin_ann
post Jan 12 2008, 11:47 AM

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Sigh... now i really can see the different between a local bank and the foreign bank....

Local bank "slow" in action.... really huge different and dissapointed...

Got my DA CC today... come in with Master card n Visa... and im just activated my MasterCard only...

DA like david mention, need to call in to activate.

My dissapointment:

can not use immediately, have to wait for 1 hour later only can use. doh.gif

come to E-banking, also can not register online. doh.gif i have to fill in the global link and send it back to DA.

then come to Secure-e Pay, (where all the online paying o shopping need to register) tried to register but failed. Called the CS then only found out tht, im only can register my secure-e pay tomolo after 8am... doh.gif

all are operational issues.... doh.gif doh.gif

guess... my expectation is too high for them... sweat.gif
vin_ann
post Jan 12 2008, 12:14 PM

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My dissapointment:

can not use immediately, have to wait for 1 hour later only can use. doh.gif **That CS told me that my card is ready to use after 10 minutes or I heard wrongly that he'll activate my card 10 minutes later. No worries to me since I'm desperately want to use it. **
the CS girl told me is 1 hour.

come to E-banking, also can not register online. doh.gif i have to fill in the global link and send it back to DA.
**E-banking? View information and statement using CIMBClicks? If that is what you meant, I ticked on the form for this option and I did ask about this during my call for activation. The CS told me that my PIN will come later (don't know how many days it's going to take). It's already 2 to 3 days after I got my card. Let see how on Monday since Thursday was a public holiday.**
e-banking or online banking lol... i thinks the DA is using their own DA kua... just now when im complain about Secure pay thing, he ask me which website im in now. seems DA is DA lol... not CIMBClicks.

then come to Secure-e Pay, (where all the online paying o shopping need to register) tried to register but failed. Called the CS then only found out tht, im only can register my secure-e pay tomolo after 8am... doh.gif
**From where you register that? Are you referring to Mastercard Securecode? DA support this already?**
it's from DA website itself lol. not the Mastercard Securecode. just now call the CS, the CS ask me which website im in now and wan me to read out the link to him. and im in the DA website.
btw, the pin, u will received within 14days upon received of request form lol

all are operational issues.... doh.gif doh.gif

guess... my expectation is too high for them... sweat.gif
vin_ann
post Jan 12 2008, 05:33 PM

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dammit... im so embrassing... sweat.gif doh.gif

while i was happy and started to use my DA mastercard, whose know the transaction did not Honour...

have to use another CC to pay the thing. sweat.gif

then called the DA SC again... to ask what is happening to my card.

then the SC told me that my card is not yet activated? sweat.gif sweat.gif i was calling them on this morning, can choose to activate the Mastercard, then the SC say there is not such thing. Normally is both card activated together and advised me that if i wish to cancel my visa card, i have to write in to inform them.

so the SC told me that it's activated immediate for both card.

then again i ask how about the Secure E-pay? can i register now instead of waiting until the next day morning 8am according to the second SC. then she told me again, there is no such thing, once my card is activated i can register NOW... again, im feel cheated by the second SC... he din even help me check... giving me the fake statement. doh.gif

Argh.... my first day of DA is spoilled by the 1st SC... telling me all the fake/un-true statement.... vmad.gif

Next time, i shd ask their name, their employee number before proceed with my questions... calling them cost me money.... wasted for calling while getting wrong information....

anyways, the third SC is very helpful. hope she not wrong again.
vin_ann
post Jan 12 2008, 05:55 PM

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aiyo...urs 1 is nothing 1 la....

Visa Wave also the same lol...

btw, paypass can not use, why din use the normal way le?
vin_ann
post Jan 12 2008, 06:10 PM

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QUOTE(WaCKy-Angel @ Jan 12 2008, 05:56 PM)
If the card doesnt works, usually its not your card problem..

If u want to "keep face" just scold the cashier and say your card confirmed working at other shop.
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yaya... experienced many times with Carrefour Visa Wave Machines... and the un-trained Cashiers...
vin_ann
post Jan 12 2008, 09:54 PM

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QUOTE(Shinichi @ Jan 12 2008, 09:48 PM)
Hi all, want to ask if I just put my credit cards there and din use it for long time, will the bank deactivate them?
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i thinks at least use once lol...

why the bank wan to de-activate ur CC le?

they de-activate= no more business...
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