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 CREDIT Card Thread v2, Everything about the world of plastic

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WaCKy-Angel
post Jan 30 2008, 06:01 PM

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QUOTE(g00glesYYl @ Jan 30 2008, 05:38 PM)
huh? got such thing?

i thought i will shift to petronas from shell after i obtain the card.
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QUOTE(David83 @ Jan 30 2008, 06:00 PM)
Got such thing? I thought fuel price is standardized for the same RON.
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If im not mistaken lah i remember it was different price...

WaCKy-Angel
post Jan 31 2008, 12:08 AM

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QUOTE(aneip @ Jan 31 2008, 12:05 AM)
Interested to get maybank visa wave.. Any agent can PM me with contact info n Free gift ur offer.. Currentlly using Maybnk Flex for more than 3 years.. Wanna know if I apply for this card, does I will only get 1 statement or 2?
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I dont think u can have 2 Visa from Maybank..
But if u want to try also can, no harm..

If it works, u will get 2 statement.
Can apply thru me tongue.gif
WaCKy-Angel
post Jan 31 2008, 09:23 AM

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QUOTE(vin_ann @ Jan 31 2008, 12:40 AM)
btw, can all agents tell "openly" what their FREE Gift???  brows.gif  brows.gif
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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
WaCKy-Angel
post Feb 1 2008, 12:07 AM

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QUOTE(tiger63 @ Jan 31 2008, 11:03 PM)
It is not stated on the website. I obtained the info from a Maybanker.
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Some ppl will just do anything to make them look smart...
I dont know about your friend though.....hopefully he is right

QUOTE(HMMaster @ Jan 31 2008, 11:53 PM)
hm... the maybank petronas card seems interesting. should i apply it? tongue.gif
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Yeah u should.....becoz its FREE FOR LIFE...
Apply thru me hehehe tongue.gif
WaCKy-Angel
post Feb 2 2008, 09:46 AM

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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
WaCKy-Angel
post Feb 2 2008, 09:53 AM

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QUOTE(tiger63 @ Feb 2 2008, 09:51 AM)
I submitted my application for the Maybank Petronas Visa card yesterday. Hopefully I will receive good news in 2 weeks time  tongue.gif  I have been a Maybank Visa Classic cardholder for the past 13 years and so far I am very satisfied with their service. The reason why I use Maybank credit card  is because of ease of payment. I can pay thru ATM, CDM, CQM, Counter, M2U & M2U Mobile. Furthermore they have the largest base of merchants offering EzyPay which I really find useful. I have bought a camera, refrigerator and PC using this scheme.

I also like their Hotspots concept where you can visit any of their Hotspots merchants and redeem your TreatsPoints against any product carried by that particular merchant and everything is done ON THE SPOT. Beats having to fill the redemption form and waiting 4-6 weeks for the product to arrive and even then still keeping your fingers crossed that the product is not damaged!!

On a final note..it is not everyday that Maybank offers you a product for free  tongue.gif. So grab it while it is still available.
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I wan to stress.....90% or even more that Maybank never give offers or free gift...
Im different tongue.gif i give out of my own pocket...
WaCKy-Angel
post Feb 2 2008, 02:20 PM

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QUOTE(Aeon_Clock @ Feb 2 2008, 10:34 AM)
just wondering...what kind of proof you showed to them? Usually its more difficult to prove an internet transaction...
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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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
WaCKy-Angel
post Feb 2 2008, 02:32 PM

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QUOTE(David83 @ Feb 2 2008, 02:29 PM)
Sorry. I'm not aware that it works the inverse way. Not a big fan of Petronas petrol. biggrin.gif
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UOB also put credit card in 1st then only put their own ecard
WaCKy-Angel
post Feb 2 2008, 02:34 PM

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QUOTE(David83 @ Feb 2 2008, 02:33 PM)
UOB or BHP? I think you're referring to BHP kiosks.
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LOL yea....

SHELL also put credit card 1st wat?

WaCKy-Angel
post Feb 6 2008, 09:49 AM

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QUOTE(sohaix @ Feb 6 2008, 09:44 AM)
I got a few questions.

-I earn about RM 3500 monthly before tax / epf. which is 42k per year.
-I only have 1 credit card from maybank which have a credit limit of RM 6000 (issued 2 months ago)

The question is, why when i apply for HSBC classic visa, i get rejected. And i got a One card from UOB recently and the credit limit is only RM 4000. Is there anyway to get a higher credit limit?

Thanks in advance.
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Applications are evaluated in many many ways and conditions so high income doesnt guarantee successful application..

Like the time i apply UOB at pcfair i got the card but my manager's application got rejected tongue.gif

I think UOB One card credit limit is fixed?
WaCKy-Angel
post Feb 6 2008, 09:54 AM

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QUOTE(David83 @ Feb 6 2008, 09:49 AM)
Try CIMB DA Gold, CIMB Petronas Mastercard Gold or Maybank Petronas Visa Gold. All cards are free for life without conditions. Usually gold cards offer you higher credit limit.
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I went to CIMB yesterday nobody want to serve me so i just took the application form and leave..
On my way out only the officer call me.

I applied classic card tongue.gif
WaCKy-Angel
post Feb 6 2008, 10:54 AM

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QUOTE(sohaix @ Feb 6 2008, 10:13 AM)
im actually looking for a card that can at least provide me 6-8k limit, and i dont want any cards from local bank. any suggestions for me ar?
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Hmm not support Malaysia?

Just get the card associated with your savings/current account so that repayment is easier.
WaCKy-Angel
post Feb 6 2008, 11:02 PM

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Can someone clarify for me whether Carrefour offers 4% rebate for minimum RM80 spending or RM100 spending?

Coz just now at Carrefour i paid like RM90++ and its indicated "earned RM0.00"
WaCKy-Angel
post Feb 6 2008, 11:17 PM

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QUOTE(hye @ Feb 6 2008, 11:07 PM)
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 )
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Damm i thought they reduced to RM80?

Should have bought some candy to make it RM100 lol
WaCKy-Angel
post Feb 11 2008, 02:41 PM

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

If it came from email, then it must be true eh?

Anyway, atleast u get something if u use credit cards rather than nothing if u pay using cash, no?
WaCKy-Angel
post Feb 14 2008, 10:46 AM

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QUOTE(popopi @ Feb 14 2008, 10:16 AM)
Hi, wanna ask~~

how i cancel my CIMB Classic CC. i wanna change to CIMB petronas CC.
or is there any easier way to do that?
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U can apply and keep this card wat?
Its free for life for cimb classic oso. why waste?

But fastest way is to call to customer service and inform them.. then they will do watever they do and u will get ur card asap
WaCKy-Angel
post Feb 15 2008, 03:18 PM

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QUOTE(David83 @ Feb 15 2008, 09:36 AM)
I think it depends if you have ticked and filled that section in the application form. For me, I didn't tick and fill this section.
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Correction, Petronas Maybank card comes with Zing card...
Normal classic/flex doesnt.

QUOTE(HMMaster @ Feb 15 2008, 02:34 PM)
for the maybankcard, must go to the bank to take? cannot be mail like the cimb?
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I remembered i got mine in the mailbox.
WaCKy-Angel
post Feb 18 2008, 03:24 PM

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QUOTE(cute_boboi @ Feb 18 2008, 02:55 PM)
Assume credit limit rm6000.

You buy something rm6000, pay 12 mths at rm500

month CC_balance_available**
1 0
2 500
3 1000
4 1500
5 2000
6 2500
7 3000
8 3500
9 4000
10 4500
11 5000
12 5500
13 6000

** Balance available for you to swipe for other things

By month 13, you will have all 6k credit limit back.

e.g. if you want to buy 4k by installment again, you can't do it at month 8, as you have 3.5k credit limit only. However, you can buy in month 9. Then you 6k will fully used up again.
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Geez u making it too hard for him to understand..

The total amount of your installment price will be deducted from your credit limit and it will only be released every month.
WaCKy-Angel
post Feb 21 2008, 04:55 PM

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QUOTE(SnoWFisH @ Feb 21 2008, 04:16 PM)
What if i pump petrol, buy some stuff and top up my touch n go over the counter at the same time, then i need to pay them credit card and also cash at the same time?  rclxub.gif  rclxub.gif  rclxub.gif
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The touch n go card will auto reload if it falls below RM50 balance, so if u reload it by urself b4 it drop below RM50 then u wont get charged lar.
WaCKy-Angel
post Feb 22 2008, 09:19 AM

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QUOTE(vin_ann @ Feb 21 2008, 11:22 PM)
oh... no no ... no need to activate again.
then i thinks u mayb filled in wrong CC number? or din follow the format required?


Added on February 21, 2008, 11:25 pm

CAN le... but minimum is RM100  sweat.gif

only can reload using CC at the TnG centre like in KL Sentra, then toll plaza office.
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Reload touch n go using CC is only available at few places like Faber Tower, and not available at partner/selected merchant like Toll or Petronas.

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