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 CREDIT Card Thread v2, Everything about the world of plastic

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WaCKy-Angel
post Feb 22 2008, 12:22 PM

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QUOTE(firewir3 @ Feb 22 2008, 12:20 PM)
Can i ask how to check on CIMB CC application status...apply for 1 week still no news on it.thanks
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I applied the week of CNY and yesterday already get the PIN code letter.
But physical card havent get yet.
WaCKy-Angel
post Mar 10 2008, 07:29 PM

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OMG i received an American Express card (not Maybank AMEX) via poslaju today.
And i had never applied for one.

Should i keep the card or call them to cancel it?

I dont see any reason i should keep the card, except that it might look cool to own an American Express card.

And not only that, for eligible to get reward points, one must register either one of their reward programs that are charged RM25-RM100 annually.

And the card annual fee itself is RM95.
WaCKy-Angel
post Mar 14 2008, 09:52 AM

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QUOTE(HMMaster @ Mar 14 2008, 09:50 AM)
Anyone know whether it is possible to check my credit card statement online for CIMB?
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Yup u can, but 1st u need to go to ATM to get the pin and then register at cimbclicks
WaCKy-Angel
post Mar 14 2008, 10:10 AM

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QUOTE(ronnie @ Mar 14 2008, 10:09 AM)
You can link both the accounts into CIMBClicks.
Mine was added together since SBB days... Maybe you can call CIMBclicks to enquire
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Yeah can link but im too lazy to read the website tongue.gif

And too lazy to get to ATM to activate my cimb pin lol
WaCKy-Angel
post Mar 14 2008, 12:35 PM

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QUOTE(jep @ Mar 14 2008, 11:29 AM)
For Maybank Petronas Card..i heard that if i'm a maybank classic/gold owner..if i were to switch to this card...i have to clear all my previous card's treatpoints..cause it can't be transfered...is it true?
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Nope, u can keep the treatpoints and continue to accumulate.

Its easier if u have banking account with them, in this case your treatpoints are linked to your banking account.
WaCKy-Angel
post Mar 14 2008, 03:06 PM

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QUOTE(WildChai @ Mar 14 2008, 03:03 PM)
Anyone here got called up by your current CC banks offering you an upgrade? Afraid it's a scam....so gotten the executive's ID and confirmed it with the bank.
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Upgrade to what?
Usually they will upgrade for u (if they upgrade for u lar) they will do it when your card expired, they will send the upgraded card.

Btw guys,
Maybank is launching new service, that is the ATM card with VISA capability.
It works as your ATM card and also VISA debit that linked directly to your savings/current account.

Go change your existing Maybank ATM card now for the limited edition card.
p/s: RM12 chargeable for changing the card.
WaCKy-Angel
post Mar 14 2008, 03:58 PM

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QUOTE(musha @ Mar 14 2008, 12:22 PM)
guys, need help..
1)can i use hong leong bank online to pay my citibank credit card?
2)I have Rm200 credit more to reach my limit which is RM3500. can i overspend, will they block the transaction? cause i need to buy things and i am not in malaysia.
3)If can, then i will settle the bill when i back in malaysia.
4)If not, i have to think a way to pay the amount i need to use then only can use the CC.
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1) Should have no problem if Hong Leong have that. Look for something like "Interbank or GIRO"
2) By default it will be blocked, means your transaction will be rejected but the machine might ask to call bank to get approval code and if approved then can overspend the limit, else u can also call up to your bank beforehand to ask for temporary credit increase.
3) refer above.
4) Sure u can pay there's so many ways, like GIRO or ask your friend to pay for u 1st
WaCKy-Angel
post Mar 14 2008, 05:11 PM

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QUOTE(l3iTi @ Mar 14 2008, 04:57 PM)
Anyone going to change existing Maybank ATM Card to Visa Debit ?? hmm.gif
My ATM card already got crack de...but still able to use lar...just waiting for it to be totally break...haha...
But i dun like Debit Card  rclxub.gif
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Just extra feature only, and limited edition card now if u apply fast.
Im going to change it since my company paying for the RM12 tongue.gif

QUOTE(ronnie @ Mar 14 2008, 05:08 PM)
Mine also peeling... will upgrade to the new one after it breaks down..
Since the Visa Debit card is free renewal every 7 years... so why not ?
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what u mean?
why need renewal?
WaCKy-Angel
post Mar 18 2008, 02:09 PM

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QUOTE(siutimtim @ Mar 18 2008, 12:31 PM)
found it. ONE card really got classic and platinum.. the agent is correct :

http://www1.uob.com.my/webpages/oneCard/pdf/General.pdf
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That is the new card that launched recently..
It was only platinum last time but they decided to make another classic card for ONE card.
Futhermore the annual salary requirement for ONE Platinum has been revised from RM18,000 to RM48,000 per annum.

This post has been edited by WaCKy-Angel: Mar 18 2008, 03:58 PM
WaCKy-Angel
post Mar 18 2008, 03:57 PM

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QUOTE(sam240 @ Mar 18 2008, 03:53 PM)
I just took my CIMB Petronas from nearest branch yesterday.....will try to use and see really got rebate on petrol or not.....anyone already used and get first bill?.....share with me how's your rebate rate...... thanks...
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The rebate is not shown on the petrol pump itself, if that is what u want to know.
It will be shown on your statement instead.

Actually its just the same like other point based creditcards, just that the difference is this is cash rebate that u can use to buy/redeem stuffs.
Different terminology, same thing
WaCKy-Angel
post Mar 19 2008, 02:59 PM

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QUOTE(sam240 @ Mar 19 2008, 02:57 PM)
ya, I know it will shows on the statement, that's why I'm looking for anyone who received their first bill... smile.gif
and....yes, rebate = point rewards, just most of the credit card cannot get any points for petrol....that's why I choose on rebate on petrol.....

and today just apply online the Air Asia Citibank, free 2GB Thumbdrive.....first year annual fee waived..... hope can get the thumbdrive asap.....  thumbup.gif
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Maybank American Express still got 2x points for petrol stations.
But i think until 31st July only
WaCKy-Angel
post Mar 21 2008, 11:25 AM

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QUOTE(siutimtim @ Mar 21 2008, 09:26 AM)
earn 20k/month but the titanium annual fee is a killer to you ...  the fee is less than 0.5% of your yearly income wor .. hmm.gif
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If u are a good cardholder eg use alot and good payment record, they will definitely happy to waive it for u.
WaCKy-Angel
post Mar 24 2008, 01:56 PM

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QUOTE(darren_1084 @ Mar 24 2008, 01:41 PM)
Does Maybank CC offer free for life one?
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Petronas card is free for life
look at my signature

QUOTE(jep @ Mar 24 2008, 01:49 PM)
Anyone?
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Nope treatpoints will stay
WaCKy-Angel
post Mar 25 2008, 05:58 PM

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QUOTE(HMMaster @ Mar 25 2008, 05:40 PM)
I just receive my card via mail... is there any time limit that I need to activate my card?
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Depend on which bank, some doesnt need activation (eg Maybank, Citibank)

Others usually 1-3months, some will call u to activate and might even offer u some preloaded amount.
WaCKy-Angel
post Mar 26 2008, 12:35 AM

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QUOTE(David83 @ Mar 25 2008, 05:59 PM)
What do you mean by preloaded amount?
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QUOTE(Darkmage12 @ Mar 26 2008, 12:07 AM)
Got this kind of stuff? How come i never get any?
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What card u using?
My boss got it for her Robinson Platinum card, RM50 for her if she activate it lol
WaCKy-Angel
post Mar 27 2008, 02:17 PM

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QUOTE(AiRBooM @ Mar 27 2008, 02:04 PM)
just got my 1gig pen drive from CIMB yesterday~ haha

wanna ask u guys... what's your credit limit for HSBC classic Visa normally ?  unsure.gif
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What card u applied?

I applied CIMB classic but only get multipurpose penknife sweat.gif sweat.gif sweat.gif
WaCKy-Angel
post Mar 28 2008, 10:25 AM

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QUOTE(David83 @ Mar 27 2008, 10:59 PM)
I don't carry that around me. I leave at the house last time when there's a need to access the online accounts.

I saw some of my colleagues carry that around with badge ties (the one you hang your badge round the neck).
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What is that "security device" that u guys talk about?
Got pic?
WaCKy-Angel
post Mar 28 2008, 10:35 AM

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QUOTE(David83 @ Mar 28 2008, 10:28 AM)
Physical security token to generate a random challenge code. The 6-digit code needs to be keyed in together with your password for successfully login.
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For a credit card?

Interesting...got any website or pic for it?
WaCKy-Angel
post Mar 28 2008, 10:53 AM

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QUOTE(David83 @ Mar 28 2008, 10:40 AM)
For Internet Banking access to view the CC statement; not for the credit card usage.
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cool so how does it works?
Where that thing get the codes?

QUOTE(danlhct @ Mar 28 2008, 10:50 AM)
Wow, u are so royalty to Maybank  tongue.gif
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Dude its loyal
WaCKy-Angel
post Mar 28 2008, 04:21 PM

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QUOTE(JamesPond @ Mar 28 2008, 02:48 PM)
until now.........
I still havent got my card approve on banks:-
1. UOB
2. Affin
3. AEON
4. PBB

Most of my cards were 10k credit limit but i still dont know why they the bank above reject my application?
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How many cards u have?

If u have too many cards, some bank wont approve u coz they have to do risk management.

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