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 CREDIT Card Thread v2, Everything about the world of plastic

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SUSDavid83
post Dec 20 2007, 06:37 PM, updated 18y ago

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Let's continue your discussion in this new thread.

1. Visa
2. Mastercard.
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. Etc.

1. Annual fee matters

No need to request for waiver
CIMB Direct Access Platimum and Gold - requirement Professional/Graduate.
UOB Platinum - got to have BOTH MasterCard and Visa and swipe minimum 6 times/card.
Alliance Platinum - swipe 12 times a year or spend RM3,000/year.
RHB Evo - got to swipe once a month or RM8 is charged for that month.
OCBC Platinum Robinson - got to spend RM8K/year inclusive of minimum RM1K at Robinson
MBB Flex -got to swipe twice a month or else charged RM3.95
Citibank Choice - 2 transactions in a month
CIMB Mastercard Paypass - free for life without conditions

2. Tap and Go - no signature required matters

Visa Wave - MBB, UOB
Mastercard Paypass - CIMB, CIMB DA
Visa payWave - MBB Petronas

**Transaction is limited to RM 110.**

3. Important Notice for CIMB and CIMB DA card holders

Termination of Flexi Pay, Flexi Pay Plus and Balance Transfer programmes effective 15th January 2008.

user posted imageuser posted image

4. Credit Card linked to Petrol Giants

BHP-UOB
Shell-Citibank
Petronas-MBB Visa Gold with payWave (free for life with no conditions)
Petronas-CIMB Mastercard Gold (free for life)
All petrol brands with CIMB DA Mastercard with rebate up to 2% monthly*.

5. Standard financial charge (interest rate)

Retails purchases: 18% p.a or 1.5% p.m from statement date upon paying the minimum amount.
Cash advance: 18% p.a from the date of withdrawal.
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.

This post has been edited by David83: May 6 2008, 04:54 AM
yewkhuay
post Dec 20 2007, 07:27 PM

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perhaps someone can list down all the cards available for each category from diff banks ?tongue.gif
-pWs-
post Dec 20 2007, 07:30 PM

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Hi,
First time here.
May I know where can I check whether my card already send out or not???
I applied together w my friend. And my friend already have the CC.

FYI. My CC is CIMB Direct Access.
Thanks

-pWs-
wintermelon
post Dec 20 2007, 08:19 PM

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What do you guys pay via credit card most of the time? Do you all settle the outstanding at once or by paying the minimum payment each time?
yewkhuay
post Dec 20 2007, 09:00 PM

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QUOTE(wintermelon @ Dec 20 2007, 08:19 PM)
What do you guys pay via credit card most of the time? Do you all settle the outstanding at once or by paying the minimum payment each time?
*
pay via credit card :
- phone bill
- shopping (>rm35)
- dining ( >rm50)
- petrol
- insurance
- any bill if applicable.
- books subscription.

pay when i m not comfortable with the outstanding amount , etc : >1000, it can be every week, but definitely not more than 3weeks.
vin_ann
post Dec 20 2007, 09:51 PM

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QUOTE(yewkhuay @ Dec 20 2007, 07:27 PM)
perhaps someone can list down all the cards available for each category from diff banks ?tongue.gif
*
agreed.

QUOTE(wintermelon @ Dec 20 2007, 08:19 PM)
What do you guys pay via credit card most of the time? Do you all settle the outstanding at once or by paying the minimum payment each time?
*
QUOTE(yewkhuay @ Dec 20 2007, 09:00 PM)
pay via credit card :
- phone bill
- shopping (>rm35)
- dining ( >rm50)
- petrol
- insurance
- any bill if applicable.
- books subscription.

pay when i m not comfortable with the outstanding amount , etc : >1000, it can be every week, but definitely not more than 3weeks.
*
mine is same as above. but i always fay full amount. no point let bank earn interest.
wintermelon
post Dec 20 2007, 11:30 PM

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QUOTE(yewkhuay @ Dec 20 2007, 09:00 PM)
pay via credit card :
- phone bill
- shopping (>rm35)
- dining ( >rm50)
- petrol
- insurance
- any bill if applicable.
- books subscription.

pay when i m not comfortable with the outstanding amount , etc : >1000, it can be every week, but definitely not more than 3weeks.
*
Which amount you do not feel comfortable with? Mind to share?
yewkhuay
post Dec 20 2007, 11:38 PM

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QUOTE(wintermelon @ Dec 20 2007, 11:30 PM)
Which amount you do not feel comfortable with? Mind to share?
*
i mean when i check my outstanding the amount is >1k i will pay straight eventhough it could be 2weeks from billing date.
wintermelon
post Dec 20 2007, 11:52 PM

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QUOTE(yewkhuay @ Dec 20 2007, 11:38 PM)
i mean when i check my outstanding the amount is >1k i will pay straight eventhough it could be 2weeks from billing date.
*
Ops, okay got you this time smile.gif
soitsuagain
post Dec 21 2007, 12:30 AM

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When I first had my credit card with the 3k credit limit, I terribly love to max up my credit card. Before the due date, I would attempt to hit the highest debt possible, like in open defiance. The highest I did manage to is RM2,992.56. Nowadays I can't do that anymore cause my credit limit is high. If I do that there is no way I can pay my balance in full. sweat.gif

Haha I do that just so that I could 'limit up' my CC as I desperately wanted to buy a DELL pc back then and I need it fast laugh.gif
yewkhuay
post Dec 21 2007, 12:44 AM

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QUOTE(soitsuagain @ Dec 21 2007, 12:30 AM)
When I first had my credit card with the 3k credit limit, I terribly love to max up my credit card. Before the due date, I would attempt to hit the highest debt possible, like in open defiance. The highest I did manage to is RM2,992.56. Nowadays I can't do that anymore cause my credit limit is high. If I do that there is no way I can pay my balance in full.  sweat.gif

Haha I do that just so that I could 'limit up' my CC as I desperately wanted to buy a DELL pc back then and I need it fast  laugh.gif
*
u don hav to do tht also can increase ur limit by just a call or put in application...
soitsuagain
post Dec 21 2007, 12:52 AM

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I gave them a call after a few months that I would like a credit limit increased to RM xxxx. Thankfully, they raised it without question. If I didn't use a lot I assume that they will ask for my payslip which guarantee will fail.
myusername
post Dec 21 2007, 01:07 AM

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QUOTE(-pWs- @ Dec 20 2007, 07:30 PM)
Hi,
First time here.
May I know where can I check whether my card already send out or not???
I applied together w my friend. And my friend already have the CC.

FYI. My CC is CIMB Direct Access.
Thanks

-pWs-
*
You tried calling the bank?
WaCKy-Angel
post Dec 21 2007, 12:45 PM

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QUOTE(yewkhuay @ Dec 20 2007, 07:27 PM)
perhaps someone can list down all the cards available for each category from diff banks ?tongue.gif
*
http://www.moneysection.com/index.php
Pls refer to that, its not very updated but atleast got alot info.

QUOTE(soitsuagain @ Dec 21 2007, 12:30 AM)
When I first had my credit card with the 3k credit limit, I terribly love to max up my credit card. Before the due date, I would attempt to hit the highest debt possible, like in open defiance. The highest I did manage to is RM2,992.56. Nowadays I can't do that anymore cause my credit limit is high. If I do that there is no way I can pay my balance in full.  sweat.gif

Haha I do that just so that I could 'limit up' my CC as I desperately wanted to buy a DELL pc back then and I need it fast  laugh.gif
*
How do u able to spend RM3000 whilst your salary is not more than RM2000 ????
Im sure your salary is not more than RM2000 else u would have get higher credit limit, no?

What do u mean "limit up"?
So that bank will raise the credit limit for u? they dont usually do that except u have been using the card for atleast 1-2 years.

I just got my card raised RM1000 automatically.
ychwang
post Dec 21 2007, 03:28 PM

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QUOTE(WaCKy-Angel @ Dec 21 2007, 12:45 PM)
http://www.moneysection.com/index.php
Pls refer to that, its not very updated but atleast got alot info.
How do u able to spend RM3000 whilst your salary is not more than RM2000 ????
Im sure your salary is not more than RM2000 else u would have get higher credit limit, no?

What do u mean "limit up"?
So that bank will raise the credit limit for u? they dont usually do that except u have been using the card for atleast 1-2 years.

I just got my card raised RM1000 automatically.
*
Nono, you dont need 4k salary to buy dell 4k laptop, My friend had max his credit limit at 6.3k(with 6k limit and settle full after statement arrived, weird overlimit but no extra charge). Then bank just give him another extra 100% limit upgrade.



Has anyone know is paypass work as HK optopus? Can i dont need take out my card, and wave my wallet on the machine to made the payment, can it be done?

This post has been edited by ychwang: Dec 22 2007, 09:40 PM
soitsuagain
post Dec 22 2007, 03:06 AM

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QUOTE(WaCKy-Angel @ Dec 21 2007, 12:45 PM)
http://www.moneysection.com/index.php
Pls refer to that, its not very updated but atleast got alot info.
How do u able to spend RM3000 whilst your salary is not more than RM2000 ????
Im sure your salary is not more than RM2000 else u would have get higher credit limit, no?

I just got my card raised RM1000 automatically.
*
Simple, my petrol is 100% claimable. Its about RM400 a month. I practically paid everything with my CC and thats about RM900 and thats about RM1,300 a month. But yeah back then my salary was only RM1.5k. I was really pushing it. By the time its near the due date its about 3k. So when my card is maxed up and and I paid the statement balance in full, it creates the impression that my credit limit is limiting me and not my salary. It works. wink.gif
-pWs-
post Dec 22 2007, 09:10 AM

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QUOTE(myusername @ Dec 21 2007, 01:07 AM)
You tried calling the bank?
*
Not yet. Will go to the bank on Monday since the bank just beside my company smile.gif

-pWs-
Darkmage12
post Dec 22 2007, 03:50 PM

shhhhhhhhh come i tell you something hehe
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anyone using the OCBC Robinson Platinum MasterCard?
vin_ann
post Dec 22 2007, 03:58 PM

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sigh... i din my OCBC CC to Robinson..... doh.gif

the pants cutting need to extra charge..... RM10 le..... not FOC during SALES....

btw, OCBC credit card agent is every where inside the Robinson...

RObinson = OCBC
Metrojaya = Citibank - can get 10x rewards point...

doh.gif doh.gif
SUSDavid83
post Dec 22 2007, 08:37 PM

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QUOTE(Darkmage12 @ Dec 22 2007, 03:50 PM)
anyone using the OCBC Robinson Platinum MasterCard?
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They're doing promotion at Queensbay Mall.
vin_ann
post Dec 22 2007, 08:52 PM

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QUOTE(David83 @ Dec 22 2007, 08:37 PM)
They're doing promotion at Queensbay Mall.
*
and also every where in side the Robinson....

btw, Queensbay Mall got Robinson?
sancakAhNgau
post Dec 22 2007, 09:48 PM

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A few months ago, i lost my credit card and it was fraudently used by 3rd party amounted to RM3.5K.
These cilaka used my card to buy beer at Carrefour. But i wasn't aware i lost it until the bank called me to confirm the transaction
which i denied on the spot. The bank put my case as a lost card so i need to bear the cost but somehow they gave me 60% discount on that figure.
And until now i have already paid RM 1K to settle the disputed amount.
Anyway i hope to put this incident past behind me as i have moved but today this news came up , haiya....
Anybody out there got the same experience??? I still owe the bank abt RM400 on the disputed amount, should i use this acticle and dispute again?


Saturday December 22, 2007


Most unaware of RM250 limited liability

CARDHOLDERS need not pay more than RM250 whenever their lost or stolen credit cards are used by others. Yet, oftentimes, they end up paying much more.

This is because Bank Negara has not informed cardholders that they do not have to pay more than RM250 for fraudulent transactions carried out using their lost or stolen cards, when they had not acted fraudulently and had informed the banks about the lost or stolen cards as soon as possible.

This protection is given under Clause 13.2 of Bank Negara's Credit Card Guideline ("The cardholder's maximum liability for unauthorised transactions as a consequence of a lost or stolen credit card shall be confined to a limit specified by the issuer of credit cards, which shall not exceed RM250 provided the cardholder has not acted fraudulently or has not failed to inform the issuer of credit cards as soon as reasonably practicable after having found that his credit card is lost or stolen").

Banks know about Clause 13.2 but have chosen to ignore it. Instead they pursue cardholders for the fraudulent transactions.

They will tell cardholders that a clause in the credit card contracts states that all transactions carried out before the loss of the cards are reported to the banks, are deemed to be carried out by the cardholders.

Many cardholders then pay up because they are unaware of the RM250 limited liability.

Bank Negara should rule that:

·THE RM250 maximum liability on fraudulent transactions is highlighted to cardholders in the card agreements as well as in the monthly card statements.

·BANKS are not allowed to insert any clause in the card agreement which is contrary to Clause 13.2.

·BANKS should refund all money in excess of the RM250 collected from cardholders whose cases clearly come under Clause 13.2.

S.M. MOHAMED IDRIS,
President,
Consumers Association of Penang
guanteik
post Dec 22 2007, 11:03 PM

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QUOTE(sancakAhNgau @ Dec 22 2007, 09:48 PM)
A few months ago, i lost my credit card and it was fraudently used by 3rd party amounted to RM3.5K.
These cilaka used my card to buy beer at Carrefour. But i wasn't aware i lost it until the bank called me to confirm the transaction
which i denied on the spot. The bank put my case as a lost card so i need to bear the cost but somehow they gave me 60% discount on that figure.
And until now i have already paid RM 1K to settle the disputed amount.
Anyway i hope to put this incident past behind me as i have moved but today this news came up , haiya....
Anybody out there got the same experience??? I still owe the bank abt RM400 on the disputed amount, should i use this acticle and dispute again?


Saturday December 22, 2007
Most unaware of RM250 limited liability

CARDHOLDERS need not pay more than RM250 whenever their lost or stolen credit cards are used by others. Yet, oftentimes, they end up paying much more.

This is because Bank Negara has not informed cardholders that they do not have to pay more than RM250 for fraudulent transactions carried out using their lost or stolen cards, when they had not acted fraudulently and had informed the banks about the lost or stolen cards as soon as possible.

This protection is given under Clause 13.2 of Bank Negara's Credit Card Guideline ("The cardholder's maximum liability for unauthorised transactions as a consequence of a lost or stolen credit card shall be confined to a limit specified by the issuer of credit cards, which shall not exceed RM250 provided the cardholder has not acted fraudulently or has not failed to inform the issuer of credit cards as soon as reasonably practicable after having found that his credit card is lost or stolen").

Banks know about Clause 13.2 but have chosen to ignore it. Instead they pursue cardholders for the fraudulent transactions.

They will tell cardholders that a clause in the credit card contracts states that all transactions carried out before the loss of the cards are reported to the banks, are deemed to be carried out by the cardholders. 

Many cardholders then pay up because they are unaware of the RM250 limited liability.

Bank Negara should rule that: 

·THE RM250 maximum liability on fraudulent transactions is highlighted to cardholders in the card agreements as well as in the monthly card statements.

·BANKS are not allowed to insert any clause in the card agreement which is contrary to Clause 13.2.

·BANKS should refund all money in excess of the RM250 collected from cardholders whose cases clearly come under Clause 13.2.

S.M. MOHAMED IDRIS,
President,
Consumers Association of Penang
*
was wondering... what if we fraud ourselves and report? then we ended up paying only RM250...
kindaichi81
post Dec 22 2007, 11:04 PM

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I just got my HSBC credit card approved few days ago.. my credit limit is RM6k... is it normal? I worked in singapore... basic is more than SGD2.5k ..

how much is u guys credit limit for ur HSBC credit card?
ychwang
post Dec 22 2007, 11:34 PM

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QUOTE(kindaichi81 @ Dec 22 2007, 11:04 PM)
I just got my HSBC credit card approved few days ago.. my credit limit is RM6k... is it normal? I worked in singapore... basic is more than SGD2.5k ..

how much is u guys credit limit for ur HSBC credit card?
*
i did not have hsbc, but my friend got his hsbc with limit 8k, his salary is less than rm2k
soitsuagain
post Dec 23 2007, 12:07 AM

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QUOTE(guanteik @ Dec 22 2007, 11:03 PM)
was wondering... what if we fraud ourselves and report? then we ended up paying only RM250...
*
It will only make yourself look cheap. Cannot afford, don't buy. Simple as that.
vin_ann
post Dec 23 2007, 09:32 AM

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QUOTE(kindaichi81 @ Dec 22 2007, 11:04 PM)
I just got my HSBC credit card approved few days ago.. my credit limit is RM6k... is it normal? I worked in singapore... basic is more than SGD2.5k ..

how much is u guys credit limit for ur HSBC credit card?
*
QUOTE(ychwang @ Dec 22 2007, 11:34 PM)
i did not have hsbc, but my friend got his hsbc with limit 8k, his salary is less than rm2k
*
i guess... different people got difference accessment....
tht y different limits is being given out...

mine only 4k when the 1st time salary 1.5k apply....

now after increament, they just increase RM500 for me only...
kindaichi81
post Dec 23 2007, 10:28 AM

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anyone knows if the HSBC new credit card requires activation? (by calling the bank to activate the card), becos i am in sg most of the time, the mail will be posted to my house rite? I scare there will be any mail lost or something....
feralee
post Dec 23 2007, 10:48 AM

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QUOTE(kindaichi81 @ Dec 23 2007, 10:28 AM)
anyone knows if the HSBC new credit card requires activation? (by calling the bank to activate the card), becos i am in sg most of the time, the mail will be posted to my house rite? I scare there will be any mail lost or something....
*
nowdays no need to activate
can straight away use biggrin.gif
quintessential
post Dec 23 2007, 11:25 AM

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just realized that giant doesn't allow the customer to use ambank nexg. hopefully, tune card and mol freedom are allowed.
kindaichi81
post Dec 23 2007, 11:41 AM

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QUOTE(feralee @ Dec 23 2007, 10:48 AM)
nowdays no need to activate
can straight away use  biggrin.gif
*
no need to activate, like that it's very dangerous le... what if my card is lost in mail or anything...

if it's in sg, then it's ok, in malaysia, ........... shocking.gif shocking.gif shocking.gif

Added on December 23, 2007, 11:42 am
QUOTE(kindaichi81 @ Dec 23 2007, 11:41 AM)
no need to activate, like that it's very dangerous le... what if my card is lost in mail or anything...

if it's in sg, then it's ok, in malaysia, ........... shocking.gif  shocking.gif  shocking.gif
*
any knows what is the minimum amount spent before i can use credit card, in secret recipe restaurant?

Added on December 23, 2007, 11:44 ammy citibank credit card application is more than 1 mth liao, still no news man...

my HSBC one less than 2 weeks approved.. anyone knows why?

if want to compare, which bank is easier to get the credit card? Citibank? HSBC? Or Standard Chartered? whistling.gif whistling.gif

This post has been edited by kindaichi81: Dec 23 2007, 11:44 AM
jimmy701
post Dec 23 2007, 02:43 PM

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QUOTE(kindaichi81 @ Dec 23 2007, 12:41 PM)
no need to activate, like that it's very dangerous le... what if my card is lost in mail or anything...

if it's in sg, then it's ok, in malaysia, ........... shocking.gif  shocking.gif  shocking.gif

Added on December 23, 2007, 11:42 am

any knows what is the minimum amount spent before i can use credit card, in secret recipe restaurant?

Added on December 23, 2007, 11:44 ammy citibank credit card application is more than 1 mth liao, still no news man...

my HSBC one less than 2 weeks approved.. anyone knows why?

if want to compare, which bank is easier to get the credit card? Citibank? HSBC? Or Standard Chartered?  whistling.gif  whistling.gif
*
well, HSBC is the easiest to get the cc, citibank is the most hard. citibank got many policies liked certain ppl cannot apply, but HSBC don hv such thing. citibank staff...well...who ever use citibank card should be know...
Your cases maybe held by citibank or they ignore ur case. better need to call them ask them to check lo
shakiraa
post Dec 23 2007, 04:05 PM

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QUOTE(ychwang @ Dec 22 2007, 11:34 PM)
i did not have hsbc, but my friend got his hsbc with limit 8k, his salary is less than rm2k
*
just got my direct access cc. super easy to apply. just pass my pay slip and education certificate. and they give me limit of 18k combined limit for master and visa.
vin_ann
post Dec 23 2007, 04:19 PM

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QUOTE(shakiraa @ Dec 23 2007, 04:05 PM)
just got my direct access cc. super easy to apply. just pass my pay slip and education certificate. and they give me limit of 18k combined limit for master and visa.
*
btw, ur direct access CC got PayPass ???
ychwang
post Dec 23 2007, 04:20 PM

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QUOTE(shakiraa @ Dec 23 2007, 04:05 PM)
just got my direct access cc. super easy to apply. just pass my pay slip and education certificate. and they give me limit of 18k combined limit for master and visa.
*
what? 18k combine limit. what is ur salary?
jimmy701
post Dec 23 2007, 04:52 PM

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QUOTE(shakiraa @ Dec 23 2007, 05:05 PM)
just got my direct access cc. super easy to apply. just pass my pay slip and education certificate. and they give me limit of 18k combined limit for master and visa.
*
what the... same question, how much is ur salary? 10k?
soitsuagain
post Dec 23 2007, 05:12 PM

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Hey, i have a question. If we are going on a vacation and we call the bank to increase the credit limit, is the credit limit increase permanent or temporary? I'm not going anywhere but I was wondering if I could get my credit limit to a new level. wink.gif
kindaichi81
post Dec 23 2007, 05:23 PM

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QUOTE(soitsuagain @ Dec 23 2007, 05:12 PM)
Hey, i have a question. If we are going on a vacation and we call the bank to increase the credit limit, is the credit limit increase permanent or temporary? I'm not going anywhere but I was wondering if I could get my credit limit to a new level. wink.gif
*
it will be temp only... to increase permanently... u must submit payslip that shows the increase on ur monthly salary... smile.gif smile.gif
vin_ann
post Dec 23 2007, 06:27 PM

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QUOTE(ychwang @ Dec 23 2007, 04:20 PM)
what? 18k combine limit. what is ur salary?
*
QUOTE(jimmy701 @ Dec 23 2007, 04:52 PM)
what the... same question, how much is ur salary? 10k?
*
haha... both of ur so quaries...
Darkmage12
post Dec 23 2007, 09:47 PM

shhhhhhhhh come i tell you something hehe
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QUOTE(David83 @ Dec 22 2007, 08:37 PM)
They're doing promotion at Queensbay Mall.
*
how come i didn't see it just now? do you have this card?
muxx
post Dec 24 2007, 07:32 AM

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if my salary rm700 with official statement and i receive rental from my mum's rumah sewa tenant constantly rm850/month (i only can prove this by bank account statement)...can my application be considered approve over the minimum rm1500/month requirement? I've tried with maybank but failed cry.gif can anybody help me...?
kindaichi81
post Dec 24 2007, 07:44 AM

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QUOTE(muxx @ Dec 24 2007, 07:32 AM)
if my salary rm700 with official statement and i receive rental from my mum's rumah sewa tenant constantly rm850/month (i only can prove this by bank account statement)...can my application be considered approve over the  minimum rm1500/month requirement? I've tried with maybank but failed  cry.gif can anybody help me...?
*
dun think so... usually the bank won't accept rent as income i supposed... it's not official income to them....

jimmy701
post Dec 24 2007, 10:18 AM

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QUOTE(muxx @ Dec 24 2007, 08:32 AM)
if my salary rm700 with official statement and i receive rental from my mum's rumah sewa tenant constantly rm850/month (i only can prove this by bank account statement)...can my application be considered approve over the  minimum rm1500/month requirement? I've tried with maybank but failed  cry.gif can anybody help me...?
*
unless ur family or ur relative got doing their own business, den u can use their document to apply. rental only the extra income, not officially. so gonna do sth la. u got any idea on the point i said? can pm me
donpapachino
post Dec 24 2007, 10:25 AM

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anybody tried the affin bank balance transfer 0% for 12 months?

kinda interested with it, hope can transfer my 2k debt from maybank to affin. gonna call n check out the offer since their bank close to my office.
vin_ann
post Dec 24 2007, 10:55 AM

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Oh.... i thinks im previous din miss out o read wrong....

the Direct Access card got the PayPass....

saw their advertisement today in thestar...
Aeon_Clock
post Dec 24 2007, 10:59 AM

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QUOTE(muxx @ Dec 24 2007, 07:32 AM)
if my salary rm700 with official statement and i receive rental from my mum's rumah sewa tenant constantly rm850/month (i only can prove this by bank account statement)...can my application be considered approve over the  minimum rm1500/month requirement? I've tried with maybank but failed  cry.gif can anybody help me...?
*
maybank is one of the toughest credit card to get...at least that's what I've heard. Even normal classic card is difficult. Try other cards...maybe the Tune money.

I've heard a HSBC promoter saying Citybank CC is the most preferred CC around, HSBC is second most preferred...does anybody know why?
vin_ann
post Dec 24 2007, 11:02 AM

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QUOTE(Aeon_Clock @ Dec 24 2007, 10:59 AM)
maybank is one of the toughest credit card to get...at least that's what I've heard. Even normal classic card is difficult. Try other cards...maybe the Tune money.

I've heard a HSBC promoter saying Citybank CC is the most preferred CC around, HSBC is second most preferred...does anybody know why?
*
why would a HSBC promoter promote their competitor as the most preferred CC? while only then mentioning HSBC is the second most preferred???

must be something fishy....


muxx
post Dec 24 2007, 11:16 AM

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QUOTE(jimmy701 @ Dec 24 2007, 10:18 AM)
unless ur family or ur relative got doing their own business, den u can use their document to apply. rental only the extra income, not officially. so gonna do sth la. u got any idea on the point i said? can pm me
*
owh well..i get the picture
Aeon_Clock
post Dec 24 2007, 11:20 AM

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QUOTE(vin_ann @ Dec 24 2007, 11:02 AM)
why would a HSBC promoter promote their competitor as the most preferred CC? while only then mentioning HSBC is the second most preferred???

must be something fishy....
*
either he was being honest...or he was trying to play mental warfare laugh.gif
maybe he even kena from someone with a wider general knowledge before for saying HSBC is the 'most preferred'?
either way...do you guys know which is actually the most preferred? Citybank?
WaCKy-Angel
post Dec 24 2007, 11:25 AM

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QUOTE(vin_ann @ Dec 24 2007, 11:02 AM)
why would a HSBC promoter promote their competitor as the most preferred CC? while only then mentioning HSBC is the second most preferred???

must be something fishy....
*
Becoz HSBC requirement super damm high and their sales person so kiasu, they only hunt for those "rich looking" customer.
Try wearing a short pants and t-shirt and walk up to them say u want to apply card.
vin_ann
post Dec 24 2007, 11:29 AM

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QUOTE(Aeon_Clock @ Dec 24 2007, 11:20 AM)
either he was being honest...or he was trying to play mental warfare laugh.gif
maybe he even kena from someone with a wider general knowledge before for saying HSBC is the 'most preferred'?
either way...do you guys know which is actually the most preferred? Citybank?
*
u mean mechandise preferred? or customer preferred?
Aeon_Clock
post Dec 24 2007, 11:50 AM

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QUOTE(WaCKy-Angel @ Dec 24 2007, 11:25 AM)
Becoz HSBC requirement super damm high and their sales person so kiasu, they only hunt for those "rich looking" customer.
Try wearing a short pants and t-shirt and walk up to them say u want to apply card.
*
I was on t-shirt, jeans, slippers...and my hair was like rubbish that time...its a Sunday, what do you expect?

QUOTE(vin_ann @ Dec 24 2007, 11:29 AM)
u mean mechandise preferred? or customer preferred?
*
no idea...how about both? tongue.gif

This post has been edited by Aeon_Clock: Dec 24 2007, 11:51 AM
soitsuagain
post Dec 24 2007, 11:55 AM

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QUOTE(muxx @ Dec 24 2007, 07:32 AM)
if my salary rm700 with official statement and i receive rental from my mum's rumah sewa tenant constantly rm850/month (i only can prove this by bank account statement)...can my application be considered approve over the  minimum rm1500/month requirement? I've tried with maybank but failed  cry.gif can anybody help me...?
*
Don't see why cannot. Is the cheque to your name? If so show them the original cheque and your payslip plus ur bank statement. Since u don't have EA form, i think u will need 6 months of history. Rental income can apply for card one. Just put self employed, bank statement, and tenancy agreement.

GameMonster
post Dec 24 2007, 12:14 PM

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can i know wat is the minimum requirement for applying a credit card??

i am 20years old,getting 2k paid per month,want to know whether can i get a credit carD?i have already been working for 5months.
redevil
post Dec 24 2007, 12:17 PM

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QUOTE(GameMonster @ Dec 24 2007, 12:14 PM)
can i know wat is the minimum requirement for applying a credit card??

i am 20years old,getting 2k paid per month,want to know whether can i get a credit carD?i have already been working for 5months.
*
You are eligible for Credit card
WaCKy-Angel
post Dec 24 2007, 12:20 PM

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QUOTE(soitsuagain @ Dec 24 2007, 11:55 AM)
Don't see why cannot. Is the cheque to your name? If so show them the original cheque and your payslip plus ur bank  statement. Since u don't have EA form, i think u will need 6 months of history. Rental income can apply for card one. Just put self employed, bank statement, and tenancy agreement.
*
No it will be very hard to apply like that..

Ask those working as freelance and u will know how many times they get rejected.
victorboy
post Dec 24 2007, 12:36 PM

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speaking of the insurance...
anyone have experience this before? unsure.gif
WaCKy-Angel
post Dec 24 2007, 12:40 PM

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


Nvm scratch that...
Either they still havent add the payee list, or its just for Maybankard...like American Express.

This post has been edited by WaCKy-Angel: Dec 24 2007, 12:46 PM
Aeon_Clock
post Dec 24 2007, 01:05 PM

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QUOTE(victorboy @ Dec 24 2007, 12:36 PM)
speaking of the insurance...
anyone have experience this before?  unsure.gif
*
err...wrong thread?
WaCKy-Angel
post Dec 24 2007, 01:06 PM

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QUOTE(Aeon_Clock @ Dec 24 2007, 01:05 PM)
err...wrong thread?
*
He meant Credit Shield
victorboy
post Dec 24 2007, 01:16 PM

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QUOTE(WaCKy-Angel @ Dec 24 2007, 01:06 PM)
He meant Credit Shield
*
lol... sweat.gif
i don't know what it's call...
i wasn't clear hwo it's work and full detail regard this... hmm.gif
Aeon_Clock
post Dec 24 2007, 01:41 PM

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you dun know what its called, dun know what it does, dun know how it works...you know which bank's CC has this?
jimmy701
post Dec 24 2007, 01:49 PM

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QUOTE(GameMonster @ Dec 24 2007, 01:14 PM)
can i know wat is the minimum requirement for applying a credit card??

i am 20years old,getting 2k paid per month,want to know whether can i get a credit carD?i have already been working for 5months.
*
minimum age is 21 years old. 2k is no problem, only ur age la... sweat.gif

Added on December 24, 2007, 1:50 pm
QUOTE(Aeon_Clock @ Dec 24 2007, 02:41 PM)
you dun know what its called, dun know what it does, dun know how it works...you know which bank's CC has this?
*
citibank, eon, maybank...many banks oso good now

This post has been edited by jimmy701: Dec 24 2007, 01:50 PM
victorboy
post Dec 24 2007, 01:50 PM

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QUOTE(Aeon_Clock @ Dec 24 2007, 01:41 PM)
you dun know what its called, dun know what it does, dun know how it works...you know which bank's CC has this?
*
the card i am holding has this... nod.gif
Aeon_Clock
post Dec 24 2007, 02:04 PM

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QUOTE(jimmy701 @ Dec 24 2007, 01:49 PM)
citibank, eon, maybank...many banks oso good now
*
found this at Citibank site.
QUOTE
Citibank Credit Shield Plus Plan with 36 Critical Illness coverage protects the outstanding balance on your Citibank credit card at only RM0.69 a month for every RM100. Underwritten by ING Insurance Bhd.
Maybank calls it Credit Care I think...
http://www.maybank2u.com.my/consumer/onlin...edit_care.shtml

QUOTE(victorboy @ Dec 24 2007, 01:50 PM)
the card i am holding has this...  nod.gif
*
jeeeeeesus christ...you're here to spam or give info? How the hell am I supposed to know what card you're using??? doh.gif doh.gif

This post has been edited by Aeon_Clock: Dec 24 2007, 02:09 PM
vin_ann
post Dec 24 2007, 02:13 PM

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QUOTE(Aeon_Clock @ Dec 24 2007, 01:41 PM)
you dun know what its called, dun know what it does, dun know how it works...you know which bank's CC has this?
*
every bank shd have this... just tht maybe is their marketing strategy....

only selected customer will be called?
victorboy
post Dec 24 2007, 02:13 PM

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QUOTE(Aeon_Clock @ Dec 24 2007, 02:04 PM)
found this at Citibank site.

Maybank calls it Credit Care I think...
http://www.maybank2u.com.my/consumer/onlin...edit_care.shtml
jeeeeeesus christ...you're here to spam or give info? How the hell am I supposed to know what card you're using??? doh.gif  doh.gif
*
i am not giving info..
i am asking opinion Credit Shield from the guru here... doh.gif

and you are the one who doesn;t give me any comments on this... doh.gif

Added on December 24, 2007, 2:15 pm
QUOTE(vin_ann @ Dec 24 2007, 02:13 PM)
every bank shd have this... just tht maybe is their marketing strategy....

only selected customer will be called?
*
how does Credit Shield work?
do you subcribe Credit Shield from UOB bank?
i counldn't get the exact answer for this matter... hmm.gif

This post has been edited by victorboy: Dec 24 2007, 02:15 PM
vin_ann
post Dec 24 2007, 02:18 PM

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QUOTE(Aeon_Clock @ Dec 24 2007, 02:04 PM)
found this at Citibank site.

Maybank calls it Credit Care I think...
http://www.maybank2u.com.my/consumer/onlin...edit_care.shtml
jeeeeeesus christ...you're here to spam or give info? How the hell am I supposed to know what card you're using??? doh.gif  doh.gif
*
i din see the purpose why we shd have this credit shield....
Aeon_Clock
post Dec 24 2007, 02:28 PM

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QUOTE(victorboy @ Dec 24 2007, 02:13 PM)
and you are the one who doesn;t give me any comments on this...  doh.gif
*
I'm answering this based on my understand of your English here...
Ans:
...
...
Can't you freaking see I don't know sh*t about Credit Shield before jimmy701's post??doh.gif doh.gif
YOUR post was so useless that I can't comment on anything but your lack of information shakehead.gif

QUOTE(vin_ann @ Dec 24 2007, 02:18 PM)
i din see the purpose why we shd have this credit shield....
*
I dun quite understand it either. 69 cents per RM100 (Citibank)...to cover your CC debts? In the case of accident, they'll 'delete' your debt completely? Dun care if you survive the accident with minor injuries? unsure.gif

This post has been edited by Aeon_Clock: Dec 24 2007, 02:29 PM
ampangchai
post Dec 24 2007, 02:31 PM

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QUOTE(vin_ann @ Dec 24 2007, 02:18 PM)
i din see the purpose why we shd have this credit shield....
*
it helps if you have a jobless wife + 3 young kids and outstanding c/card balance of say... RM10-15k with only RM1.0-1.5k balance in your saving account icon_rolleyes.gif icon_rolleyes.gif icon_rolleyes.gif
guanteik
post Dec 24 2007, 02:32 PM

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Anyone knows whether if there is any expiry date/time for Maybank Treat Points?
ampangchai
post Dec 24 2007, 02:33 PM

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QUOTE(Aeon_Clock @ Dec 24 2007, 02:28 PM)

I dun quite understand it either. 69 cents per RM100 (Citibank)...to cover your CC debts? In the case of accident, they'll 'delete' your debt completely? Dun care if you survive the accident with minor injuries? unsure.gif
*
i believe is death (excluding commit suicide) or total disablement (can no longer work and earn money)

This post has been edited by ampangchai: Dec 24 2007, 02:33 PM
WaCKy-Angel
post Dec 24 2007, 02:34 PM

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QUOTE(guanteik @ Dec 24 2007, 02:32 PM)
Anyone knows whether if there is any expiry date/time for Maybank Treat Points?
*
got expiry date meh?
guanteik
post Dec 24 2007, 02:34 PM

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QUOTE(WaCKy-Angel @ Dec 24 2007, 02:34 PM)
got expiry date meh?
*
Not sure... asking for confirmation...
vin_ann
post Dec 24 2007, 02:35 PM

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QUOTE(ampangchai @ Dec 24 2007, 02:31 PM)
it helps if you have a jobless wife + 3 young kids and outstanding c/card balance of say... RM10-15k with only RM1.0-1.5k balance in your saving account  icon_rolleyes.gif  icon_rolleyes.gif  icon_rolleyes.gif
*
but im not in tht category. tht's y i see no need for me.
victorboy
post Dec 24 2007, 02:36 PM

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QUOTE(ampangchai @ Dec 24 2007, 02:31 PM)
it helps if you have a jobless wife + 3 young kids and outstanding c/card balance of say... RM10-15k with only RM1.0-1.5k balance in your saving account  icon_rolleyes.gif  icon_rolleyes.gif  icon_rolleyes.gif
*
hmm...
i didnt; get the concept right... sweat.gif

so, as normal person, we do not need to subcribe this service right?
the description state in the leaflet seem very interesting...
and i don't know the benefits and how it's work for this service

sweat.gif

Added on December 24, 2007, 2:40 pm
QUOTE(guanteik @ Dec 24 2007, 02:32 PM)
Anyone knows whether if there is any expiry date/time for Maybank Treat Points?
*
QUOTE(WaCKy-Angel @ Dec 24 2007, 02:34 PM)
got expiry date meh?
*
according to my parent, yes, it does has expiry for your treat points...
i think they will notify you thru mail... hmm.gif

This post has been edited by victorboy: Dec 24 2007, 02:40 PM
guanteik
post Dec 24 2007, 02:44 PM

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QUOTE(victorboy @ Dec 24 2007, 02:36 PM)
hmm...
i didnt; get the concept right...  sweat.gif

so, as normal person, we do not need to subcribe this service right?
the description state in the leaflet seem very interesting...
and i don't know the benefits and how it's work for this service

sweat.gif

Added on December 24, 2007, 2:40 pm
according to my parent, yes, it does has expiry for your treat points...
i think they will notify you thru mail...  hmm.gif
*
if this is the case, in how many years is the expiry circle?
ampangchai
post Dec 24 2007, 02:44 PM

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QUOTE(vin_ann @ Dec 24 2007, 02:35 PM)
but im not in tht category. tht's y i see no need for me.
*
indeed not everyone need it nod.gif nod.gif


QUOTE(victorboy @ Dec 24 2007, 02:36 PM)
hmm...
i didnt; get the concept right...  sweat.gif
so, as normal person, we do not need to subcribe this service right?
the description state in the leaflet seem very interesting...
and i don't know the benefits and how it's work for this service
sweat.gif
*
i'd been using c/card since 1995 and never subscribed to this service icon_rolleyes.gif guess i'm "normal person" to ur definition tongue.gif

basically credit shield is an insurance to cover your c/card debt as if life insurance is to cover your life

the purpose is to ensure you (or those dependent on your income) would not fall into financial turmoil after your death or total disablement

just imagine a wife is already worrying over how to bring up her kids after her husband death... the bank call up to ask her to pay for her husband's c/card debt sweat.gif sweat.gif sweat.gif
victorboy
post Dec 24 2007, 02:50 PM

3 ngien yiu 3 ngien :(
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QUOTE(guanteik @ Dec 24 2007, 02:44 PM)
if this is the case, in how many years is the expiry circle?
*
this i do not know...
all i know is when time's up (perhaps within a year), she have to redeem something
or else the points will be either deducted as penalty or totally gone.. this i am not sure... sweat.gif



by the way.. for those who use UOB CC...

what is...

UOB UNIRinggit Reward??

how to make this claim?

Added on December 24, 2007, 2:53 pm
QUOTE(ampangchai @ Dec 24 2007, 02:44 PM)
indeed not everyone need it  nod.gif  nod.gif
i'd been using c/card since 1995 and never subscribed to this service  icon_rolleyes.gif  guess i'm "normal person" to ur definition  tongue.gif 

basically credit shield is an insurance to cover your c/card debt as if life insurance is to cover your life

the purpose is to ensure you (or those dependent on your income) would not fall into financial turmoil after your death or total disablement

just imagine a wife is already worrying over how to bring up her kids after her husband death... the bank call up to ask her to pay for her husband's c/card debt  sweat.gif  sweat.gif  sweat.gif
*
hmm, then it is useless to me... since i haven't married yet... sad.gif

btw, which CC you are holding now??!! brows.gif
you seem very rich oh... brows.gif

This post has been edited by victorboy: Dec 24 2007, 02:53 PM
Aeon_Clock
post Dec 24 2007, 04:03 PM

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QUOTE(guanteik @ Dec 24 2007, 02:44 PM)
if this is the case, in how many years is the expiry circle?
*
if I'm not mistaken...different banks have different expiry date for their points. Which bank are you referring to?

QUOTE(ampangchai @ Dec 24 2007, 02:44 PM)
just imagine a wife is already worrying over how to bring up her kids after her husband death... the bank call up to ask her to pay for her husband's c/card debt  sweat.gif  sweat.gif  sweat.gif
*
well, it is a worry...among others. Solution is to not have too much debt. Or if you want, just subscribe to the Credit Shield feature. Its not that expensive...if your debt is low tongue.gif
vin_ann
post Dec 24 2007, 05:13 PM

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yeah... just now redeem all my UOB smart cash rebate at Carrefour...

at 1st, the cashier dun know how to make the transactions.... vmad.gif

waited some time for him to call his supervisor to come and teach him to how make the redeem.

saw her press ONLINE, then press, receipt is out...

redeem all my smart cash... i can not make choices how much i wan to redeem......

anyways, happy with my redemption shopping at Carrefour.... hehe
guanteik
post Dec 24 2007, 05:16 PM

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QUOTE(Aeon_Clock @ Dec 24 2007, 04:03 PM)
if I'm not mistaken...different banks have different expiry date for their points. Which bank are you referring to?
well, it is a worry...among others. Solution is to not have too much debt. Or if you want, just subscribe to the Credit Shield feature. Its not that expensive...if your debt is low tongue.gif
*
Maybank....
SUSDavid83
post Dec 24 2007, 05:19 PM

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Received this via snail mail:

http://www.maybank2u.com.my/consumer/onlin...e_charges.shtml
vin_ann
post Dec 24 2007, 05:40 PM

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QUOTE(David83 @ Dec 24 2007, 05:19 PM)
Received this via snail mail:

http://www.maybank2u.com.my/consumer/onlin...e_charges.shtml
*
1. Lower Interest Rate
The quantum of interest rate charged for repayments have been reduced to a minimum of 15% to a maximum of 18% a year. The interest rate charged will be determined based on the customer's previous 12 month's repayment period from the implementation date as follows:

Conditions*
Repayment Months/Total 12 months
Interest Rate Charged on Outstanding Payment

Per Month
Per Annum

For prompt** repayment of 12 / 12 months
1.25%
15%

For prompt repayment of 10 / 12 months
1.42%
17%

For prompt repayment less than 10 /12 months
1.5%
18%

* Payment is tracked over a 12 consecutive month period
** You have paid your minimum payment amount on or before your due date.

i also got received snail mail from HSBC...
cute_boboi
post Dec 24 2007, 05:41 PM

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QUOTE(guanteik @ Dec 24 2007, 02:32 PM)
Anyone knows whether if there is any expiry date/time for Maybank Treat Points?
*
So far, no expiry. Touch wood.

The longest single MBB CC I hold is ~3 yrs. I keep on cancel and apply new one when they start charging annual fees. But now, I'm using Flexx, must spend min RM300/mth which I use for insurance auto-debit.
jimmy701
post Dec 24 2007, 07:46 PM

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QUOTE(cute_boboi @ Dec 24 2007, 06:41 PM)
So far, no expiry. Touch wood.

The longest single MBB CC I hold is ~3 yrs. I keep on cancel and apply new one when they start charging annual fees. But now, I'm using Flexx, must spend min RM300/mth which I use for insurance auto-debit.
*
RM300/month? wa...one year oso need RM3.6k. why not try public bank? RM3k per year can waived ur annual fees
vin_ann
post Dec 24 2007, 09:08 PM

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QUOTE(jimmy701 @ Dec 24 2007, 07:46 PM)
RM300/month? wa...one year oso need RM3.6k. why not try public bank? RM3k per year can waived ur annual fees
*
to him is same 1 lol....

since both card meet the minimum spending, so it's waiver every year lol... indirect FREE for life.
soitsuagain
post Dec 24 2007, 09:24 PM

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QUOTE(GameMonster @ Dec 24 2007, 12:14 PM)
can i know wat is the minimum requirement for applying a credit card??

i am 20years old,getting 2k paid per month,want to know whether can i get a credit carD?i have already been working for 5months.
*
OMG, you are too young to be working bro. Why are you not studying?
SUSDavid83
post Dec 24 2007, 09:54 PM

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QUOTE(vin_ann @ Dec 24 2007, 05:40 PM)
i also got received snail mail from HSBC...
*

What you received then?
vin_ann
post Dec 24 2007, 10:27 PM

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QUOTE(David83 @ Dec 24 2007, 09:54 PM)
What you received then?
*
regardding the interest rate lol....


same as Maybank u show 1.
hpares
post Dec 24 2007, 10:54 PM

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Hi guys, I got some serious issue regarding credit card transaction which need more information on it. I work on some sort of retail shop, and one day my colleague doing credit card transaction with a customer which require credit card pin verification. After the customer key in the pin and the transaction is approve, we as usual asked the customer to sign on it. But the customer insist not to sign on it because he say he already key in the pin. Our credit card merchant is the big fat black colour 1 which able to see how much credit card roll u left, like giant supermarket 1. Because last time got such case happen b4, our account department wont give a damm. But this time they say it needs customer signature and asked my colleague to pay for it because failed in getting the signature. Even though on the slip already have the words, "pin verification completed".
So those who working in credit card department or bank, please explain to me. Did the signature require? Last time they inform us no need 1 and now different story. And some other question, during entering the pin, if the pin entered wrong, will the card be decline? or the transaction still will be approve with the words "pin verification completed" ? Because only the card holder know the pin. So whoever know the detail please clarify this. We juz working according to the procedure that given.

This post has been edited by hpares: Dec 24 2007, 10:56 PM
vin_ann
post Dec 24 2007, 11:12 PM

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QUOTE(hpares @ Dec 24 2007, 10:54 PM)
Hi guys, I got some serious issue regarding credit card transaction which need more information on it. I work on some sort of retail shop, and one day my colleague doing credit card transaction with  a customer which require credit card pin verification. After the customer key in the pin and the transaction is approve, we as usual asked the customer to sign on it. But the customer insist not to sign on it because he say he already key in the pin. Our credit card merchant is the big fat black colour 1 which able to see how much credit card roll u left, like giant supermarket 1. Because last time got such case happen b4, our account department wont give a damm. But this time they say it needs customer signature and asked my colleague to pay for it because failed in getting the signature. Even though on the slip already have the words, "pin verification completed".
      So those who working in credit card department or bank, please explain to me. Did the signature require? Last time they inform us no need 1 and now different story. And some other question, during entering the pin, if the pin entered wrong, will the card be decline? or the transaction still will be approve with the words "pin verification completed" ? Because only the card holder know the pin. So whoever know the detail please clarify this. We juz working according to the procedure that given.
*
as far as i know, CREDIT CARD where need to key in pin verification..... on like ATM Maybankard.... and not sure about Debit Card...

are you asking the correct question?
hpares
post Dec 24 2007, 11:23 PM

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QUOTE(vin_ann @ Dec 24 2007, 11:12 PM)
as far as i know, CREDIT CARD where need to key in pin verification..... on like ATM Maybankard.... and not sure about Debit Card...

are you asking the correct question?
*
Erm i think so i ask the right question. It is not a ATM maybankard. It is visa or master, i cant recall it is visa or master, debit or credit. All i know is it is not ATMmaybank, amex or diners. But definetely got visa or master word on the card. I come across this type of card alot times. If customer insist not to sign on it, we wont force them. But now my damm account department say different story. And my stupid new manager which dunno to speak english properly, know nothing bout it and only know to ask my colleague to pay. If with previous manager, no such issue will come out.
vin_ann
post Dec 24 2007, 11:27 PM

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QUOTE(hpares @ Dec 24 2007, 11:23 PM)
Erm i think so i ask the right question. It is not a ATM maybankard. It is visa or master, i cant recall it is visa or master, debit or credit. All i know is it is not ATMmaybank, amex or diners. But definetely got visa or master word on the card. I come across this type of card alot times. If customer insist not to sign on it, we wont force them. But now my damm account department say different story. And my stupid new manager which dunno to speak english properly, know nothing bout it and only know to ask my colleague to pay. If with previous manager, no such issue will come out.
*
hmmm...

Debit card perhaps?

i cant help u on this.... let's wait for other sifu to answer ur questions.
bananarojak
post Dec 24 2007, 11:51 PM

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I think what you meant is credit card that has pin verification or it other name 'Chip and Pin' The only cards that carrys pin verifications are cards that are issued in the UK. Basically with a pin verification, the pin is as good as a signature.

Read it up here
http://en.wikipedia.org/wiki/Chip_and_PIN
bbmars
post Dec 25 2007, 12:03 AM

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QUOTE(kindaichi81 @ Dec 22 2007, 11:04 PM)
I just got my HSBC credit card approved few days ago.. my credit limit is RM6k... is it normal? I worked in singapore... basic is more than SGD2.5k ..

how much is u guys credit limit for ur HSBC credit card?
*
Seems like its easier to apply for CC in MY.. You can also apply for CC in SG too with HSBC. from SG, the credit limit is 1.5x or depending on what you submit, the bank may at their discrestion may give you more (based on annual wage inclusive of 13 months and bonuses). However, its pretty strict in SG though and there is a central data based where banks can obtain information about your credit status and even blacklisting..

Added on December 25, 2007, 12:16 am
QUOTE(Aeon_Clock @ Dec 24 2007, 04:03 PM)
well, it is a worry...among others. Solution is to not have too much debt. Or if you want, just subscribe to the Credit Shield feature. Its not that expensive...if your debt is low tongue.gif
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I believe they do not charged anything at all if you don't use your CC for payment under this plan. I am on this too in SG..

Added on December 25, 2007, 12:23 am
QUOTE(vin_ann @ Dec 22 2007, 03:58 PM)
sigh... i din my OCBC CC to Robinson.....  doh.gif

the pants cutting need to extra charge..... RM10 le..... not FOC during SALES....

btw, OCBC credit card agent is every where inside the Robinson...

RObinson = OCBC
Metrojaya = Citibank - can get 10x rewards point...

doh.gif  doh.gif
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Robinson is co-owned by Great Eastern insurance and OCBC bank... that's why you see OCBC every where in Robinson. SG Robinson even has an ATM inside thew stall..... or something related to OCBC..

Added on December 25, 2007, 12:36 am
QUOTE(hpares @ Dec 24 2007, 10:54 PM)
Hi guys, I got some serious issue regarding credit card transaction which need more information on it. I work on some sort of retail shop, and one day my colleague doing credit card transaction with  a customer which require credit card pin verification. After the customer key in the pin and the transaction is approve, we as usual asked the customer to sign on it. But the customer insist not to sign on it because he say he already key in the pin. Our credit card merchant is the big fat black colour 1 which able to see how much credit card roll u left, like giant supermarket 1. Because last time got such case happen b4, our account department wont give a damm. But this time they say it needs customer signature and asked my colleague to pay for it because failed in getting the signature. Even though on the slip already have the words, "pin verification completed".
      So those who working in credit card department or bank, please explain to me. Did the signature require? Last time they inform us no need 1 and now different story. And some other question, during entering the pin, if the pin entered wrong, will the card be decline? or the transaction still will be approve with the words "pin verification completed" ? Because only the card holder know the pin. So whoever know the detail please clarify this. We juz working according to the procedure that given.
*
Seems like the CC is being used as an ATM card, which is very common in SG. but you have to tell the staff where to charge, they can't simply jus charge and thePIN is the authorising code to transaction... some how, some where, some one done something... not sure ... what the hell is wrong... didn't know so troublesome.. never experince this kind of thing before.

Seems like many blur people serving customers and not knowing what is going on... scary man... because I used it often when in MY. I had this experience recently at Guadians. The sales staff swipe card and then tell me it can't be used because it requires a microchip on the CC. Something new to me as I had used it at Mid Valley Guardians... strange... that it can't be use. Another at TESCO on monday, staff ask supervisor to come because he felt... that's whatappear to me, that my HSBC card is fraud... he was looking "inside" out wondering and when supervisor came, she immediately swipe the card and get my purchase progressed after taking one look at it. in fact, I am goignt o write in to HSBC SG and ask them as I had few looks by staff serving me when I used the CC.


This post has been edited by bbmars: Dec 25 2007, 12:36 AM
jimmy701
post Dec 25 2007, 01:06 AM

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QUOTE(hpares @ Dec 24 2007, 11:54 PM)
Hi guys, I got some serious issue regarding credit card transaction which need more information on it. I work on some sort of retail shop, and one day my colleague doing credit card transaction with  a customer which require credit card pin verification. After the customer key in the pin and the transaction is approve, we as usual asked the customer to sign on it. But the customer insist not to sign on it because he say he already key in the pin. Our credit card merchant is the big fat black colour 1 which able to see how much credit card roll u left, like giant supermarket 1. Because last time got such case happen b4, our account department wont give a damm. But this time they say it needs customer signature and asked my colleague to pay for it because failed in getting the signature. Even though on the slip already have the words, "pin verification completed".
       So those who working in credit card department or bank, please explain to me. Did the signature require? Last time they inform us no need 1 and now different story. And some other question, during entering the pin, if the pin entered wrong, will the card be decline? or the transaction still will be approve with the words "pin verification completed" ? Because only the card holder know the pin. So whoever know the detail please clarify this. We juz working according to the procedure that given.
*
well, even the customer key in the pin he still need to sign on the transaction. if didn't sign it's consider void. the pin just liked a password, only for security purpose, no others usage. So die die also need customer sign, or else have to pay yourself. This happen before when i was working in England Optical few years ago.
Hope i was answering your question

Added on December 25, 2007, 1:10 am
QUOTE(bbmars @ Dec 25 2007, 01:03 AM)

Seems like the CC is being used as an ATM card, which is very common in SG.  but you have to tell the staff where to charge, they can't simply jus charge and thePIN is the authorising code to transaction... some how, some where, some one done something... not sure ... what the hell is wrong... didn't know so troublesome.. never experince this kind of thing before.

Seems like many blur people serving customers and not knowing what is going on... scary man... because I used it often when in MY. I had this experience recently at Guadians.  The sales staff swipe card and then tell me it can't be used because it requires a microchip on the CC.  Something new to me as I had used it at Mid Valley Guardians... strange... that it can't be use.  Another at TESCO on monday, staff ask supervisor to come because he felt... that's whatappear to me, that my HSBC card is fraud... he was looking "inside" out wondering and when supervisor came, she immediately swipe the card and get my purchase progressed after taking one look at it.  in fact, I am goignt o write in to HSBC SG and ask them as I had few looks by staff serving me when I used the CC.
*
nowadays, almost every banks' credit card can be used as ATM card. But customer can choose want to apply or not. Well, it's depends on customer usage la. If lazy take many cards in wallet, of cos will apply.

This post has been edited by jimmy701: Dec 25 2007, 01:10 AM
ychwang
post Dec 25 2007, 01:16 AM

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QUOTE(jimmy701 @ Dec 25 2007, 01:06 AM)
well, even the customer key in the pin he still need to sign on the transaction. if didn't sign it's consider void. the pin just liked a password, only for security purpose, no others usage. So die die also need customer sign, or else have to pay yourself. This happen before when i was working in England Optical few years ago.
Hope i was answering your question

Added on December 25, 2007, 1:10 am

nowadays, almost every banks' credit card can be used as ATM card. But customer can choose want to apply or not. Well, it's depends on customer usage la. If lazy take many cards in wallet, of cos will apply.
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nope, i want link my maybank cc to withdraw cash from my saving account, maybank not allow that.
kindaichi81
post Dec 25 2007, 06:29 AM

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QUOTE
Seems like its easier to apply for CC in MY.. You can also apply for CC in SG too with HSBC. from SG, the credit limit is 1.5x or depending on what you submit, the bank may at their discrestion may give you more (based on annual wage inclusive of 13 months and bonuses). However, its pretty strict in SG though and there is a central data based where banks can obtain information about your credit status and even blacklisting..
the requirement to apply credit card is lower... as long as u got rm1.5k salary and above, can apply already... singapore needs at least sgd2.5k and above, i have no prob getting credit card in sg... i have 8 banks credit card in sg.... tongue.gif tongue.gif

but it's harder to apply malaysia credit card if working in sg.... but lucky... my HSBC application is approved.. now waiting for citibank one to approve.. more than 1 mth liao still no news...

Added on December 25, 2007, 6:34 am
QUOTE
Seems like the CC is being used as an ATM card, which is very common in SG. but you have to tell the staff where to charge, they can't simply jus charge and thePIN is the authorising code to transaction... some how, some where, some one done something... not sure ... what the hell is wrong... didn't know so troublesome.. never experince this kind of thing before.

Seems like many blur people serving customers and not knowing what is going on... scary man... because I used it often when in MY. I had this experience recently at Guadians. The sales staff swipe card and then tell me it can't be used because it requires a microchip on the CC. Something new to me as I had used it at Mid Valley Guardians... strange... that it can't be use. Another at TESCO on monday, staff ask supervisor to come because he felt... that's whatappear to me, that my HSBC card is fraud... he was looking "inside" out wondering and when supervisor came, she immediately swipe the card and get my purchase progressed after taking one look at it. in fact, I am goignt o write in to HSBC SG and ask them as I had few looks by staff serving me when I used the CC.
I think u are over-reacted already la.... malaysia credit card all comes with the EMV chip, and I think the cashier there is getting used of not swiping the card, but by reading it instead.... that's why they would think that urs is fake card... somemore malaysia HSBC credit card and sg HSBC credit card are of the same design, the staff maybe just overlooked it only...

I used my OCBC Titanium card, UOB Platinum card (comes with EMV) and DBS Black card in JB... no prob @ all.....

This post has been edited by kindaichi81: Dec 25 2007, 06:34 AM
vin_ann
post Dec 25 2007, 10:18 AM

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QUOTE(bbmars @ Dec 25 2007, 12:03 AM)



Added on December 25, 2007, 12:23 am

Robinson is co-owned by Great Eastern insurance and OCBC bank... that's why you see OCBC every where in Robinson.  SG Robinson even has an ATM inside thew stall..... or something related to OCBC..


*
Oic... no wonder la... next time when i wan to shop in Robinson, OCBC card need to be tagged along... sweat.gif
jimmy701
post Dec 25 2007, 05:10 PM

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QUOTE(kindaichi81 @ Dec 25 2007, 07:29 AM)
the requirement to apply credit card is lower... as long as u got rm1.5k salary and above, can apply already... singapore needs at least sgd2.5k and above, i have no prob getting credit card in sg... i have 8 banks credit card in sg.... tongue.gif  tongue.gif

but it's harder to apply malaysia credit card if working in sg.... but lucky... my HSBC application is approved.. now waiting for citibank one to approve.. more than 1 mth liao still no news...

Added on December 25, 2007, 6:34 am
I think u are over-reacted already la.... malaysia credit card all comes with the EMV chip, and I think the cashier there is getting used of not swiping the card, but by reading it instead.... that's why they would think that urs is fake card... somemore malaysia HSBC credit card and sg HSBC credit card are of the same design, the staff maybe just overlooked it only...

I used my OCBC Titanium card, UOB Platinum card (comes with EMV) and DBS Black card in JB... no prob @ all.....
*
ur citibank is apply in sg or in malaysia? n ur HSBC card is applied in sg or malaysia? impossible 1month still no news wor...
kindaichi81
post Dec 25 2007, 05:14 PM

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QUOTE(jimmy701 @ Dec 25 2007, 05:10 PM)
ur citibank is apply in sg or in malaysia? n ur HSBC card is applied in sg or malaysia? impossible 1month still no news wor...
*
I worked in sg, i already got singapore credit cards from 8 banks long time ago... i just applied citibank malaysia and HSBC malaysia credit card, becos if I buy things in malaysia using my sg credit card, it will have exchange rate lugi... so i want to have a malaysia issued credit card...

i applied HSBC malaysia credit card in the start of dec, and i got it approved within 2weeks.. then the citibank malaysia i applied since end of nov, til now still no news. yet... vmad.gif vmad.gif vmad.gif

jimmy701
post Dec 25 2007, 05:18 PM

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QUOTE(kindaichi81 @ Dec 25 2007, 06:14 PM)
I worked in sg, i already got singapore credit cards from 8 banks long time ago... i just applied citibank malaysia and HSBC malaysia credit card, becos if I buy things in malaysia using my sg credit card, it will have exchange rate lugi... so i want to have a malaysia issued credit card...

i applied HSBC malaysia credit card in the start of dec, and i got it approved within 2weeks.. then the citibank malaysia i applied since end of nov, til now still no news. yet... vmad.gif  vmad.gif  vmad.gif
*
omg...but what doc u were using for the citibank? or you can wait for a year then applied the citibank card with ur HSBC. liked that will be better and faster i think
vin_ann
post Dec 25 2007, 06:52 PM

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QUOTE(kindaichi81 @ Dec 25 2007, 05:14 PM)
I worked in sg, i already got singapore credit cards from 8 banks long time ago... i just applied citibank malaysia and HSBC malaysia credit card, becos if I buy things in malaysia using my sg credit card, it will have exchange rate lugi... so i want to have a malaysia issued credit card...

i applied HSBC malaysia credit card in the start of dec, and i got it approved within 2weeks.. then the citibank malaysia i applied since end of nov, til now still no news. yet... vmad.gif  vmad.gif  vmad.gif
*
do u have call in to check on ur application status?

last time i applied with 1 agent. whose know 2 weeks later i called in to check on status, and they said they din received my applications...

since im urgently need it, i applied through my friend... so another 2 weeks waited for it. and on the day it approved my fren called me to inform me and ask me call the citiphone make arrangement for pick up. during lunch i go over the citibank jln ampang, got my card. hehe
kindaichi81
post Dec 25 2007, 09:20 PM

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QUOTE(jimmy701 @ Dec 25 2007, 05:18 PM)
omg...but what doc u were using for the citibank? or you can wait for a year then applied the citibank card with ur HSBC. liked that will be better and faster i think
*
wait for 1 year? forget it ba... too slow already... until then i won't be interested to get one anymore... i just want to get the card thru normal application...

the doc i give to citibank is 3 mths bank statements, payslip, employment letter... ic front and back photocopy...

Added on December 25, 2007, 9:26 pm
QUOTE(vin_ann @ Dec 25 2007, 06:52 PM)
do u have call in to check on ur application status?

last time i applied with 1 agent. whose know 2 weeks later i called in to check on status, and they said they din received my applications...

since im urgently need it, i applied through my friend... so another 2 weeks waited for it. and on the day it approved my fren called me to inform me and ask me call the citiphone make arrangement for pick up. during lunch i go over the citibank jln ampang, got my card. hehe
*
i got call in to check my application status, they keep on saying dun have the record for my application...

i applied thru a sales person also... he said submitted my application liao, but after 2, 3 weeks i called in the hotline they told me never have my record, i told him abt this, then he bothered to check for me... after check, he said the status is pending for my income tax doc... that's why no record on system... i told him i only worked for 9 mths plus until now... no income tax doc yet.. then he said he will check again... then he reverted to me that after the credit card processing officer key into my application to the system, then it will show whether approved or denied... he said now is year end, so lesser staff working and it will slower...got such thing one meh? i am actually pretty frustrated already... as it took so long time liao... i think if there is still no status after next week, i will cancel the application liao... If i cancel the application, the sales person cannot get any commission rite? actually i hate those sale person, some of them, the follow up is super lousy... sometimes, i find that apply on my own, it is faster and better.... vmad.gif vmad.gif vmad.gif vmad.gif

This post has been edited by kindaichi81: Dec 25 2007, 09:26 PM
vin_ann
post Dec 25 2007, 09:44 PM

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QUOTE(kindaichi81 @ Dec 25 2007, 09:20 PM)
wait for 1 year? forget it ba... too slow already... until then i won't be interested to get one anymore... i just want to get the card thru normal application...

the doc i give to citibank is 3 mths bank statements, payslip, employment letter... ic front and back photocopy...

Added on December 25, 2007, 9:26 pm

i got call in to check my application status, they keep on saying dun have the record for my application...

i applied thru a sales person also... he said submitted my application liao, but after 2, 3 weeks i called in the hotline they told me never have my record, i told him abt this, then he bothered to check for me... after check, he said the status is pending for my income tax doc... that's why no record on system... i told him i only worked for 9 mths plus until now... no income tax doc yet.. then he said he will check again... then he reverted to me that after the credit card processing officer key into my application to the system, then it will show whether approved or denied... he said now is year end, so lesser staff working and it will slower...got such thing one meh? i am actually pretty frustrated already... as it took so long time liao... i think if there is still no status after next week, i will cancel the application liao...  If i cancel the application, the sales person cannot get any commission rite? actually i hate those sale person, some of them, the follow up is super lousy... sometimes, i find that apply on my own, it is faster and better....  vmad.gif  vmad.gif  vmad.gif  vmad.gif
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yeah u right. u apply ur own or through other people the 1st sales person wont get the commission...

in my case, my 1st agent called me to ask me whether i got the card already o not... in fact i got my card through my fren... haha... din tell her tht i submit my application again.. haha...

btw, doc needed is 3 months payslip and photostated IC... tht's all. no more other things le...
kindaichi81
post Dec 25 2007, 10:02 PM

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QUOTE(vin_ann @ Dec 25 2007, 09:44 PM)
yeah u right. u apply ur own or through other people the 1st sales person wont get the commission...

in my case, my 1st agent called me to ask me whether i got the card already o not... in fact i got my card through my fren... haha... din tell her tht i submit my application again.. haha...

btw, doc needed is 3 months payslip and photostated IC... tht's all. no more other things le...
*
u work for how long before u apply citibank card? i worked for only 9 mths, i think that's why he asked me for the 3 mths bank statements to prove my income?
ronnie
post Dec 25 2007, 10:18 PM

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QUOTE(wintermelon @ Dec 20 2007, 08:19 PM)
What do you guys pay via credit card most of the time?
*
Petrol
Food & Beverages
Magazines
Shopping
Air tickets
Bus tickets

QUOTE(wintermelon @ Dec 20 2007, 08:19 PM)
Do you all settle the outstanding at once or by paying the minimum payment each time?
*
Full payment everytime.... not recommended to have credit card debts. If you cannot pay in full, means that you should have control your spending.

Added on December 25, 2007, 10:20 pm
QUOTE(kindaichi81 @ Dec 25 2007, 05:14 PM)
I worked in sg, i already got singapore credit cards from 8 banks long time ago... i just applied citibank malaysia and HSBC malaysia credit card, becos if I buy things in malaysia using my sg credit card, it will have exchange rate lugi... so i want to have a malaysia issued credit card...

i applied HSBC malaysia credit card in the start of dec, and i got it approved within 2weeks.. then the citibank malaysia i applied since end of nov, til now still no news. yet... vmad.gif  vmad.gif  vmad.gif
*
Maybe because you don't have prove of income in Malaysia.

This post has been edited by ronnie: Dec 25 2007, 10:20 PM
ronnie
post Dec 25 2007, 10:21 PM

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QUOTE(Darkmage12 @ Dec 22 2007, 03:50 PM)
anyone using the OCBC Robinson Platinum MasterCard?
*
I thot Robinson's OCBC is Visa Platinum ?
ronnie
post Dec 25 2007, 10:22 PM

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QUOTE(vin_ann @ Dec 24 2007, 05:40 PM)
1. Lower Interest Rate
The quantum of interest rate charged for repayments have been reduced to a minimum of 15% to a maximum of 18% a year. The interest rate charged will be determined based on the customer's previous 12 month's repayment period from the implementation date as follows:

Conditions*
Repayment Months/Total 12 months
Interest Rate Charged on Outstanding Payment

Per Month
Per Annum

For prompt** repayment of 12 / 12 months
1.25%
15%

For prompt repayment of 10 / 12 months
1.42%
17%

For prompt repayment less than 10 /12 months
1.5%
18%

* Payment is tracked over a 12 consecutive month period
** You have paid your minimum payment amount on or before your due date.

i also got received snail mail from HSBC...
*
All banks are doing this now.... trying to "reward" those that pay their minimum amount promptly
vin_ann
post Dec 25 2007, 10:43 PM

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QUOTE(kindaichi81 @ Dec 25 2007, 10:02 PM)
u work for how long before u apply citibank card? i worked for only 9 mths, i think that's why he asked me for the 3 mths bank statements to prove my income?
*
the time i applied im not yet works full 1 years.

btw, i intro my colleague who just works 4 months to apply citibank also got his card le...
guanteik
post Dec 25 2007, 10:45 PM

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QUOTE(ronnie @ Dec 25 2007, 10:21 PM)
I thot Robinson's OCBC is Visa Platinum ?
*
Yea, you are right... targeting those spending a lot at Robinson & Marks&Spenser...
kindaichi81
post Dec 25 2007, 11:07 PM

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QUOTE(vin_ann @ Dec 25 2007, 10:43 PM)
the time i applied im not yet works full 1 years.

btw, i intro my colleague who just works 4 months to apply citibank also got his card le...
*
so do u think citibank is hard to apply or not?

vin_ann
post Dec 25 2007, 11:13 PM

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QUOTE(kindaichi81 @ Dec 25 2007, 11:07 PM)
so do u think citibank is hard to apply or not?
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actually hard o not is not under ur hand lol... if u qualify shd have no problems, since every CC is so competitive.

remember the colleague i mentioned just now... at 1st his application is failed.

reason: verification is fail.

i thinks the time citibank called to my HR department to verify the information, they pass it to wrong person or dun know what ever reasons get fail to verify.

later my fren called me and ask who is the HR person in charge and i to find out and tell her.

then after tht, dun know how long my fren's application is get through.
kindaichi81
post Dec 25 2007, 11:27 PM

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QUOTE(vin_ann @ Dec 25 2007, 11:13 PM)
actually hard o not is not under ur hand lol... if u qualify shd have no problems, since every CC is so competitive.

remember the colleague i mentioned just now... at 1st his application is failed.

reason: verification is fail.

i thinks the time citibank called to my HR department to verify the information, they pass it to wrong person or dun know what ever reasons get fail to verify.

later my fren called me and ask who is the HR person in charge and i to find out and tell her.

then after tht, dun know how long my fren's application is get through.
*
Sian... tired of waiting... seriously speaking.. the efficiency in malaysia is still .......

i have nvr encountered such long wait for my application of credit card in sg....

anyway, at least i got one malaysia credit card now.. HSBC visa classic... good for using in malaysia already....
jimmy701
post Dec 26 2007, 12:55 AM

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QUOTE(kindaichi81 @ Dec 26 2007, 12:27 AM)
Sian... tired of waiting... seriously speaking.. the efficiency in malaysia is still .......

i have nvr encountered such long wait for my application of credit card in sg....

anyway, at least i got one malaysia credit card now.. HSBC visa classic... good for using in malaysia already....
*
well...malaysian's working attitude, especially malay staff. very slow and always got problem. not looking down on them but sometime really upset on their attitude on serving customer.
kindaichi81
post Dec 26 2007, 12:56 AM

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QUOTE(jimmy701 @ Dec 26 2007, 12:55 AM)
well...malaysian's working attitude, especially malay staff. very slow and always got problem. not looking down on them but sometime really upset on their attitude on serving customer.
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exactly ..... rclxms.gif rclxms.gif rclxms.gif rclxms.gif

arinsfc
post Dec 26 2007, 01:47 AM

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QUOTE(jimmy701 @ Dec 26 2007, 12:55 AM)
well...malaysian's working attitude, especially malay staff. very slow and always got problem. not looking down on them but sometime really upset on their attitude on serving customer.
*
citibank cc dept got so many malay working there??
hmm....i dont think so yawn.gif yawn.gif yawn.gif
Aeon_Clock
post Dec 26 2007, 08:50 AM

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so far I don't have any problems at the banks...be it malays or not...

how many of you guys have a little debt in your credit card? Or you all pay up all in full?
soitsuagain
post Dec 26 2007, 08:57 AM

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Not many here. Only for people who frequent this forum lol. If you don't want high accumulated credit card debt, avoid drinking and clubbing. wink.gif
Aeon_Clock
post Dec 26 2007, 09:19 AM

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seldom...I got too many bills to pay. But its the year end...and my CC debt skyrocket-ed. Car insurance, repair and other bills...
popopi
post Dec 26 2007, 09:33 AM

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Hai..... Need recommendations from sifus here....

I had been using CIMB CC and erm, it's ok using it, paid fully everymonth. but erm...... it's like, wow UOB One card are giving instant cash rebate..... wtf..... i want to get discount in petrol and shopping.

so, it that ok if i change from CIMB CC to UOB One CC .... will UOB One CC causing trouble like extra charges on erm..... hidden charges?

FYI, I use my CC for Petrol & some shopping... mostly is on petrol...
and i studied that after 6 swipes on UOB card will have annual fee waiver... anyone experienced after 6 swipes still kena annual fee? cos the UOB One Annual Fee is quite expensive... RM300++ ....

Please advice~~~ thanks !!
soitsuagain
post Dec 26 2007, 09:35 AM

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Well, don't fret as long as its the necessary stuff.
cute_boboi
post Dec 26 2007, 12:03 PM

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QUOTE(popopi @ Dec 26 2007, 09:33 AM)
Hai..... Need recommendations from sifus here....

I had been using CIMB CC and erm, it's ok using it, paid fully everymonth. but erm...... it's like, wow UOB One card are giving instant cash rebate..... wtf..... i want to get discount in petrol and shopping.

so, it that ok if i change from CIMB CC to UOB One CC .... will UOB One CC causing trouble like extra charges on erm..... hidden charges?

FYI, I use my CC for Petrol & some shopping... mostly is on petrol...
and i studied that after 6 swipes on UOB card will have annual fee waiver... anyone experienced after 6 swipes still kena annual fee? cos the UOB One Annual Fee is quite expensive... RM300++ ....

Please advice~~~ thanks !!
*
popopi,

My 2 sen:
- Try and target 1-2 CC is enough, so that your points don't get spread out.

- Alway pay in full. Don't try. MUST.

- Check which bank/issuer has best offer/benefit

- Get those free for life which does not need you to call up and ask for a/f waiver. Some might has small print T&C.

- If bank don't offer a/f waiver, cancel and apply others.


What I recommend:
- MBB Amex = gives 2x points. Not many shops take Amex, but try to use it as frequent as possible.

- Citibank = I think has the best offer. Current offer till 31/12 = Buy 1 coffee-bean, free 1.

- Get another one if you need, free for life or with some rules like min RMxxx/mth or xx swipes per mth/yr. Put all direct debit things like TNB, Syabas, h/p, insurance, etc. to fulfil the minimum free for life requirement. Whatever over/above the requirement, put in Amex auto-debit, refer rule #1, 2x points.
vin_ann
post Dec 26 2007, 09:59 PM

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QUOTE(Aeon_Clock @ Dec 26 2007, 08:50 AM)
so far I don't have any problems at the banks...be it malays or not...

how many of you guys have a little debt in your credit card? Or you all pay up all in full?
*
i always pay in FULL.... rclxms.gif
kindaichi81
post Dec 26 2007, 10:50 PM

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QUOTE(vin_ann @ Dec 26 2007, 09:59 PM)
i always pay in FULL....  rclxms.gif
*
yup, i always pay in full also.. the bank must be hating me, becos i make them have not even a single chance to earn any cent of the interest from my credit card bill.. hahaha
SUSDavid83
post Dec 26 2007, 10:51 PM

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QUOTE(kindaichi81 @ Dec 26 2007, 10:50 PM)
yup, i always pay in full also.. the bank must be hating me, becos i make them have not even a single chance to earn any cent of the interest from my credit card bill.. hahaha
*
Well, if majority of the subscribers did that, then it may hurt them. But if just a small percentage, then you know the answer.

I also pay my CC bills in full. For HSBC, I always overpay since the CDM accepts on RM 100, 50 and 10 notes.
vin_ann
post Dec 26 2007, 10:58 PM

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QUOTE(David83 @ Dec 26 2007, 10:51 PM)
Well, if majority of the subscribers did that, then it may hurt them. But if just a small percentage, then you know the answer.

I also pay my CC bills in full. For HSBC, I always overpay since the CDM accepts on RM 100, 50 and 10 notes.
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haha... u r damm good credit card user which bank will hate u.....
kindaichi81
post Dec 26 2007, 11:06 PM

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QUOTE(David83 @ Dec 26 2007, 10:51 PM)
Well, if majority of the subscribers did that, then it may hurt them. But if just a small percentage, then you know the answer.

I also pay my CC bills in full. For HSBC, I always overpay since the CDM accepts on RM 100, 50 and 10 notes.
*
i would choose to pay my malaysia hsbc credit card bill via maybank2u instead... too troublesome to visit the branch to deposit money... and somemore cannot pay in exact amount, while the excess amount in the credit card account will not earn interest too... the transport fee to travel to the branch cost more than the rm2 fee for using maybank2u to pay too...

and the most important is, it is too dangerous in JB already, i would rather pay the rm2 instead of risking my self to go out purposely for just paying the bill @ the branch....
ychwang
post Dec 26 2007, 11:42 PM

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i never overpaid, but exact value because same back as my saving acc.
due date is 13th, i paid on 13th on exact amount, never paid earlier.
vin_ann
post Dec 26 2007, 11:49 PM

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QUOTE(kindaichi81 @ Dec 26 2007, 11:06 PM)
i would choose to pay my malaysia hsbc credit card bill via maybank2u instead... too troublesome to visit the branch to deposit money... and somemore cannot pay in exact amount, while the excess amount in the credit card account will not earn interest too... the transport fee to travel to the branch cost more than the rm2 fee for using maybank2u to pay too...

and the most important is, it is too dangerous in JB already, i would rather pay the rm2 instead of risking my self to go out purposely for just paying the bill @ the branch....
*
if u got account with HSBC... u can do auto-debit.

QUOTE(ychwang @ Dec 26 2007, 11:42 PM)
i never overpaid, but exact value because same back as my saving acc.
due date is 13th, i paid on 13th on exact amount, never paid earlier.
*
yeah... me too... never paid earlier... paid on time...
kindaichi81
post Dec 27 2007, 01:48 AM

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QUOTE(vin_ann @ Dec 26 2007, 11:49 PM)
if u got account with HSBC... u can do auto-debit.
yeah... me too... never paid earlier... paid on time...
*
i have the powervantage singapore account, but i dun have any HSBC malaysia account, do not need so many malaysia savings account, one will do, maybank is good enough.....
Aeon_Clock
post Dec 27 2007, 09:09 AM

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if we pay full, they earn less...but don't forget they're earning from merchants too
SUSDavid83
post Dec 27 2007, 12:17 PM

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I just submitted an application for CIMB DA.
kindaichi81
post Dec 27 2007, 07:20 PM

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QUOTE(David83 @ Dec 27 2007, 12:17 PM)
I just submitted an application for CIMB DA.
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u work in sg or malaysia?
vin_ann
post Dec 27 2007, 08:44 PM

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QUOTE(David83 @ Dec 27 2007, 12:17 PM)
I just submitted an application for CIMB DA.
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u are late.... tongue.gif

im just submitted on 24 Dec 06... tongue.gif

let's see how fast we can get our card...
SUSDavid83
post Dec 27 2007, 09:15 PM

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QUOTE(kindaichi81 @ Dec 27 2007, 07:20 PM)
u work in sg or malaysia?
*
Malaysia

QUOTE(vin_ann @ Dec 27 2007, 08:44 PM)
u are late....  tongue.gif

im just submitted on 24 Dec 06...  tongue.gif

let's see how fast we can get our card...
*
How you applied? I submmited at the CIMB bank branch.
soitsuagain
post Dec 27 2007, 09:56 PM

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QUOTE(Aeon_Clock @ Dec 27 2007, 09:09 AM)
if we pay full, they earn less...but don't forget they're earning from merchants too
*
That only applies if you spend a lot every month...like a thousand or more. But if you spend only a few hundreds every month and you pay back in full, they are earning peanuts. The bank earns the most from you if you maxed up your credit card and pay enough that you are able to use it only for your monthly cc transactions.
vin_ann
post Dec 27 2007, 10:06 PM

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QUOTE(David83 @ Dec 27 2007, 09:15 PM)
Malaysia
How you applied? I submmited at the CIMB bank branch.
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im printed out my affiliation form from net fill in and attached the required documents and submit to CIMB bank branch.
kindaichi81
post Dec 28 2007, 12:20 AM

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QUOTE(vin_ann @ Dec 27 2007, 08:44 PM)
u are late....  tongue.gif

im just submitted on 24 Dec 06...  tongue.gif

let's see how fast we can get our card...
*
are u working in singapore as well?

if i work in sg, can apply the CIMB DA also rite? u submit the application urself or thru agent?
kelvin89
post Dec 28 2007, 01:50 AM

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wow...seems liked CIMB quite many ppl apply
kindaichi81
post Dec 28 2007, 02:49 AM

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QUOTE(kelvin89 @ Dec 28 2007, 01:50 AM)
wow...seems liked CIMB quite many ppl apply
*
I think it is good to apply as a permanent spare card becos no annual fee @ all... so unless u can cancel urself or the product is discontinued, if not, u can continue to hold this card, even u are out of job etc... haha
ronnie
post Dec 28 2007, 09:47 AM

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Heard from a friend that even with zero carry forward balance we can still get rebates on Shell fuel and non-fuel purchases

Attached Image
cute_boboi
post Dec 28 2007, 11:07 AM

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QUOTE(soitsuagain @ Dec 27 2007, 09:56 PM)
That only applies if you spend a lot every month...like a thousand or more. But if you spend only a few hundreds every month and you pay back in full, they are earning peanuts. The bank earns the most from you if you maxed up your credit card and pay enough that you are able to use it only for your monthly cc transactions.
*
True to a certain extent. If you swipe a lot, the banks will notice and sometimes will send you free gifts or special offer.

Also, I just realise Amex pump petrol has CC points. Not sure how true, will try it out. Stupid me...

This post has been edited by cute_boboi: Dec 28 2007, 11:08 AM
WaCKy-Angel
post Dec 28 2007, 11:11 AM

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QUOTE(cute_boboi @ Dec 28 2007, 11:07 AM)
True to a certain extent. If you swipe a lot, the banks will notice and sometimes will send you free gifts or special offer.

Also, I just realise Amex pump petrol has CC points. Not sure how true, will try it out. Stupid me...
*
No not really...
If u get free stuffs, means other cardholder will also get.

Maybank Amex pump petrol got points...
cute_boboi
post Dec 28 2007, 11:29 AM

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QUOTE(WaCKy-Angel @ Dec 28 2007, 11:11 AM)
No not really...
If u get free stuffs, means other cardholder will also get.

Maybank Amex pump petrol got points...
*
Not really. There was a time I was spending 4-8k every mth (company expenses, claimable tongue.gif ) My fren holding the same card was spending <2k. I got something, but he didn't get anything.

Arghh... stupid me! Amex vmad.gif missed out on points !!! But when petrol stations start changing their system couple of yrs back, they only accept Visa/Master at the pump. No diners/amex. Maybe I get used to it, and forgot about amex.
kindaichi81
post Dec 28 2007, 03:54 PM

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called HSBC Malaysia today, asked if they had posted me the card, they said yesterday the postlaju ppl had tried to post to my house, but no one is around, so they left a note in my house mailbox, and i need to go to postlaju to collect the card myself... sianz.. anyone knows where is the postlaju in JB? and what is the operating hrs?
SUSDavid83
post Dec 28 2007, 04:29 PM

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QUOTE(kindaichi81 @ Dec 28 2007, 03:54 PM)
called HSBC Malaysia today, asked if they had posted me the card, they said yesterday the postlaju ppl had tried to post to my house, but no one is around, so they left a note in my house mailbox, and i need to go to postlaju to collect the card myself... sianz.. anyone knows where is the postlaju in JB? and what is the operating hrs?
*
They used Poslaju! I thought they use TNT all the while.
WaCKy-Angel
post Dec 28 2007, 06:54 PM

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QUOTE(kindaichi81 @ Dec 28 2007, 03:54 PM)
called HSBC Malaysia today, asked if they had posted me the card, they said yesterday the postlaju ppl had tried to post to my house, but no one is around, so they left a note in my house mailbox, and i need to go to postlaju to collect the card myself... sianz.. anyone knows where is the postlaju in JB? and what is the operating hrs?
*
Read the card/note and im sure got phone number
kindaichi81
post Dec 28 2007, 07:21 PM

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I called the citibank malaysia hotline to check my credit card application, they said my application is not successful... how come ah? my HSBC one is approved..how come citibank one is failed? mad.gif mad.gif mad.gif mad.gif mad.gif mad.gif mad.gif mad.gif
vin_ann
post Dec 28 2007, 07:33 PM

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QUOTE(kindaichi81 @ Dec 28 2007, 12:20 AM)
are u working in singapore as well?

if i work in sg, can apply the CIMB DA also rite? u submit the application urself or thru agent?
*
aiyo... rclxub.gif not every1 is working in Singapore la....
i submit to CIMB branch.

QUOTE(ronnie @ Dec 28 2007, 09:47 AM)
Heard from a friend that even with zero carry forward balance we can still get rebates on Shell fuel and non-fuel purchases

Attached Image
*
bro, when people mentioned about Shell Citibank CC, i always ask people to visit this.... so dun miss out lol...

http://smartconsumerbanking.com/

This post has been edited by vin_ann: Dec 28 2007, 07:34 PM
Gen-X
post Dec 28 2007, 08:00 PM

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2 weeks ago was at 1U and then Alliance Bank CC staff asked me to apply their card, can't remember why i signed on the dotted lines and yesterday got another Visa Plat. But the card looks pretty cool (Black and Silver).

look thru the intro booklet and noted Alliance Bank CC got no advantage over other Banks card. However the annual fee is free if swipe more than 12 times a year.
DDSFan8
post Dec 28 2007, 10:47 PM

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QUOTE(kindaichi81 @ Dec 28 2007, 07:21 PM)
I called the citibank malaysia hotline to check my credit card application, they said my application is not successful... how come ah? my HSBC one is approved..how come citibank one is failed?  mad.gif  mad.gif  mad.gif  mad.gif  mad.gif  mad.gif  mad.gif  mad.gif
*
There are a lot of reasons and credit card application really require a lot of rules. Banks must comply to Bank Negara in order to approve the credit card.

I admit, Citibank is more strict than most banks but they also have customers that are mostly prompt or full pay masters. That is how they make so much money
kindaichi81
post Dec 28 2007, 11:00 PM

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QUOTE(DDSFan8 @ Dec 28 2007, 10:47 PM)
There are a lot of reasons and credit card application really require a lot of rules. Banks must comply to Bank Negara in order to approve the credit card.

I admit, Citibank is more strict than most banks but they also have customers that are mostly prompt or full pay masters. That is how they make so much money
*
sianz... i give up liao... dun want to try apply for Citibank malaysia credit card liao... just use my new HSBC malaysia card while i am in JB....
vin_ann
post Dec 29 2007, 01:47 AM

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QUOTE(kindaichi81 @ Dec 28 2007, 11:00 PM)
sianz... i give up liao... dun want to try apply for Citibank malaysia credit card liao... just use my new HSBC malaysia card while i am in JB....
*
mayb after 1 year of using HSBC Msia, u can use it to apply the citibank lol...
kindaichi81
post Dec 29 2007, 07:52 AM

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QUOTE(vin_ann @ Dec 29 2007, 01:47 AM)
mayb after 1 year of using HSBC Msia, u can use it to apply the citibank lol...
*
but need to wait until end of next year le... that's very long wait... cry.gif cry.gif cry.gif cry.gif

soitsuagain
post Dec 29 2007, 08:54 AM

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QUOTE(kindaichi81 @ Dec 28 2007, 07:21 PM)
I called the citibank malaysia hotline to check my credit card application, they said my application is not successful... how come ah? my HSBC one is approved..how come citibank one is failed?  mad.gif  mad.gif  mad.gif  mad.gif  mad.gif  mad.gif  mad.gif  mad.gif
*
How many cc company you applied before? You need to know your ccris record will shows recent cc application for up to 12 months. Each new application whether approved or not will be noted and will reduce your score.
SUSDavid83
post Dec 29 2007, 08:56 AM

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How can I check my CCRIS record? Can I view it online at some page?
kindaichi81
post Dec 29 2007, 09:39 AM

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QUOTE(soitsuagain @ Dec 29 2007, 08:54 AM)
How many cc company you applied before? You need to know your ccris record will shows recent cc application for up to 12 months. Each new application whether approved or not will be noted and will reduce your score.
*
I applied only the HSBC and Citibank credit card....
SUSDavid83
post Dec 29 2007, 11:24 AM

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QUOTE(kindaichi81 @ Dec 29 2007, 09:39 AM)
I applied only the HSBC and Citibank credit card....
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May I know why you're so eager to get Citibank?
kindaichi81
post Dec 29 2007, 11:41 AM

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QUOTE(David83 @ Dec 29 2007, 11:24 AM)
May I know why you're so eager to get Citibank?
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citibank is my favourite mah... of course i would like to have their card, my first sg credit card is citibank one also... but too bad my first malaysia credit card is not citibank....
Gen-X
post Dec 29 2007, 12:06 PM

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QUOTE(kindaichi81 @ Dec 29 2007, 11:41 AM)
citibank is my favourite mah... of course i would like to have their card, my first sg credit card is citibank one also... but too bad my first malaysia credit card is not citibank....
*
so you got an overseas citibank? why don't you call citibank and ask them if you can "transfer" the account to a local account.

Citibank does periodically have good offers besides the normal discount at food outlets compared to other cards. However there is one disadvantage of the offers, mostly got to register via sms. So if one does not register, he /she will not benefit. Example, now Citibank got 10X reward points if use EPP with certain merchants but you got to register via sms. Therefore, one has to check Citibank website often to see what's new.

Anyway, here's a tip for all Jaya Jusco Card Members. Previously HSBC CC got 10% discount at Starbuck but no more. Good news is if you got JJ card, can get 10% rclxm9.gif
kindaichi81
post Dec 29 2007, 01:03 PM

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QUOTE(Gen-X @ Dec 29 2007, 12:06 PM)
so you got an overseas citibank? why don't you call citibank and ask them if you can "transfer" the account to a local account.

Citibank does periodically have good offers besides the normal discount at food outlets compared to other cards. However there is one disadvantage of the offers, mostly got to register via sms. So if one does not register, he /she will not benefit. Example, now Citibank got 10X reward points if use EPP with certain merchants but you got to register via sms. Therefore, one has to check Citibank website often to see what's new.

Anyway, here's a tip for all Jaya Jusco Card Members. Previously HSBC CC got 10% discount at Starbuck but no more. Good news is if you got JJ card, can get 10%  rclxm9.gif
*
Jaya Jusco card member got 10% discount @ starbuck?

i got singapore citibank credit card lo... i ever told malaysia citibank that i got singapore citibank credit card, they said they are operating differently... not link... so even i own sg citibank card, also cannot be taken as reference....

DDSFan8
post Dec 29 2007, 05:59 PM

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yes Citibank is a global bank but they operate depending on the country's rules and regulations. But some procedures and features remain the same worldwide though
tkhoo
post Dec 29 2007, 06:20 PM

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QUOTE(kindaichi81 @ Dec 29 2007, 11:41 AM)
citibank is my favourite mah... of course i would like to have their card, my first sg credit card is citibank one also... but too bad my first malaysia credit card is not citibank....
*
i just cancel off my Citi card rclxms.gif rclxms.gif
vin_ann
post Dec 29 2007, 06:57 PM

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QUOTE(soitsuagain @ Dec 29 2007, 08:54 AM)
How many cc company you applied before? You need to know your ccris record will shows recent cc application for up to 12 months. Each new application whether approved or not will be noted and will reduce your score.
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oh... then my score will be full marks.... biggrin.gif
DDSFan8
post Dec 29 2007, 07:44 PM

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Citibank card will be the only credit card i will ever have
feizaiII
post Dec 29 2007, 08:24 PM

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i just qualified to get a free laptop from Citibank laugh.gif So,Citibank is best for me now.. rclxms.gif
Gen-X
post Dec 29 2007, 08:30 PM

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QUOTE(kindaichi81 @ Dec 29 2007, 01:03 PM)
Jaya Jusco card member got 10% discount @ starbuck?

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why? you think i kidding? Next time you go starbucks, ask them.
SUSDavid83
post Dec 29 2007, 09:02 PM

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QUOTE(Gen-X @ Dec 29 2007, 08:30 PM)
why? you think i kidding? Next time you go starbucks, ask them.
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No need to ask. I can confirm that. I saw the brochure before.
kindaichi81
post Dec 29 2007, 09:02 PM

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QUOTE(Gen-X @ Dec 29 2007, 08:30 PM)
why? you think i kidding? Next time you go starbucks, ask them.
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i got say u are kidding meh? i am just suprised to know that jusco card got such discount @ starbucks.... u do not need to be so defensive..... hmm.gif hmm.gif hmm.gif hmm.gif hmm.gif

vin_ann
post Dec 29 2007, 09:55 PM

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QUOTE(feizaiII @ Dec 29 2007, 08:24 PM)
i just qualified to get a free laptop from Citibank  laugh.gif So,Citibank is best for me now..  rclxms.gif
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Congras.... u recomended more than 5 people to sign up citibank right?

QUOTE(Gen-X @ Dec 29 2007, 08:30 PM)
why? you think i kidding? Next time you go starbucks, ask them.
*
QUOTE(David83 @ Dec 29 2007, 09:02 PM)
No need to ask. I can confirm that. I saw the brochure before.
*
it's confirmed. since no discount from HSBC, im been using the JayaJasco card to get 10% discount for the starbucks.... whistling.gif
SUSDavid83
post Dec 29 2007, 09:56 PM

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QUOTE(vin_ann @ Dec 29 2007, 09:55 PM)
Congras.... u recomended more than 5 people to sign up citibank right?
it's confirmed. since no discount from HSBC, im been using the JayaJasco card to get 10% discount for the starbucks....  whistling.gif
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Doesn't affect me much since I'm not a frequent sitter at Starbuck. tongue.gif
vin_ann
post Dec 29 2007, 10:01 PM

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QUOTE(David83 @ Dec 29 2007, 09:56 PM)
Doesn't affect me much since I'm not a frequent sitter at Starbuck. tongue.gif
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although not frequent drinker, but this kind of discount need to know ma... if u got ur Jcard with u already....

so can save some money lol...
SUSkevin23
post Dec 29 2007, 10:10 PM

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I got CIMB CC.So far its ok.Because customers pay me cash to buy goods.And i use CC to buy the stuff.So its good for me.

Now waiting for my Citibank Shell CC.
SUSDavid83
post Dec 29 2007, 10:11 PM

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Today I paid the GSC tickets using Visa Wave. This is my 2nd time of using Visa Wave. They're having UOB terminal.
SUSkevin23
post Dec 29 2007, 10:20 PM

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Is Visa Wave like touch and go?

Just touch it at the sensor and walk off?
SUSDavid83
post Dec 29 2007, 10:22 PM

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QUOTE(kevin23 @ Dec 29 2007, 10:20 PM)
Is Visa Wave like touch and go?

Just touch it at the sensor and walk off?
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Something like that ... actually, tap and no need to sign. You'll get a copy of the receipt.
kindaichi81
post Dec 29 2007, 10:22 PM

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QUOTE(vin_ann @ Dec 29 2007, 10:01 PM)
although not frequent drinker, but this kind of discount need to know ma... if u got ur Jcard with u already....

so can save some money lol...
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I prefer Coffee Bean than Starbuck whistling.gif whistling.gif whistling.gif whistling.gif

vin_ann
post Dec 29 2007, 10:40 PM

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QUOTE(David83 @ Dec 29 2007, 10:11 PM)
Today I paid the GSC tickets using Visa Wave. This is my 2nd time of using Visa Wave. They're having UOB terminal.
*
hmmm... GSC Queenbays got this wave terminnal ar???

no extra charge right?


SUSDavid83
post Dec 29 2007, 10:41 PM

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QUOTE(vin_ann @ Dec 29 2007, 10:40 PM)
hmmm... GSC Queenbays got this wave terminnal ar???

no extra charge right?
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Yes.

No extra charge ... thumbup.gif
vin_ann
post Dec 29 2007, 10:44 PM

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QUOTE(David83 @ Dec 29 2007, 10:41 PM)
Yes.

No extra charge ...  thumbup.gif
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but nowadays i din go to line up to the counter.... but Online Buying.... hehe...
SUSDavid83
post Dec 29 2007, 10:44 PM

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QUOTE(vin_ann @ Dec 29 2007, 10:44 PM)
but nowadays i din go to line up to the counter.... but Online Buying.... hehe...
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Cannot buy online for GSC Queensbay ... sleep.gif
dogdog133
post Dec 29 2007, 10:56 PM

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i wan to apply cimb bank credit card..here got any cimb credit card agent?
feizaiII
post Dec 29 2007, 10:58 PM

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QUOTE(vin_ann @ Dec 29 2007, 09:55 PM)
Congras.... u recomended more than 5 people to sign up citibank right?
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no ler..is intro 10ppl ler. 5ppl onli get Digicam o. Don u think is good? i personally feel is good by introducing and get gift for urself..even is abit hardwork la..haha
WaCKy-Angel
post Dec 29 2007, 11:13 PM

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QUOTE(David83 @ Dec 29 2007, 10:11 PM)
Today I paid the GSC tickets using Visa Wave. This is my 2nd time of using Visa Wave. They're having UOB terminal.
*
Last nite paid RM146 for movie ticket and get RM7++ cash back tongue.gif
SUSDavid83
post Dec 29 2007, 11:15 PM

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QUOTE(WaCKy-Angel @ Dec 29 2007, 11:13 PM)
Last nite paid RM146 for movie ticket and get RM7++ cash back tongue.gif
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The transaction isn't capped at RM 110? You use Visa Wave/Paypass terminal or what?
vin_ann
post Dec 30 2007, 01:11 AM

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QUOTE(dogdog133 @ Dec 29 2007, 10:56 PM)
i wan to apply cimb bank credit card..here got any cimb credit card agent?
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no need agent la... just go to any CIMB branch will do...

QUOTE(feizaiII @ Dec 29 2007, 10:58 PM)
no ler..is intro 10ppl ler. 5ppl onli get Digicam o. Don u think is good? i personally feel is good by introducing and get gift for urself..even is abit hardwork la..haha
*
tht's y i mention more than 5 person ma... i forget the extract people... haha

QUOTE(WaCKy-Angel @ Dec 29 2007, 11:13 PM)
Last nite paid RM146 for movie ticket and get RM7++ cash back tongue.gif
*
good to hear that.

QUOTE(David83 @ Dec 29 2007, 11:15 PM)
The transaction isn't capped at RM 110? You use Visa Wave/Paypass terminal or what?
*
bro, UOB only have Visa Wave, mana got Paypass le....
since the amount is more than RM110, definately use the normal way lol...
dogdog133
post Dec 30 2007, 01:42 AM

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if go cimb bank branch apply can just giv salary pay slip and epf statement?coz many bank wan many doc to apply...if wan terminate credit card can just call help line to terminate or wan go bank there to fill in the form?
victorboy
post Dec 30 2007, 01:48 AM

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vin_ann...
do you what is UOB uniringgit? unsure.gif
kindaichi81
post Dec 30 2007, 05:38 AM

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QUOTE(WaCKy-Angel @ Dec 29 2007, 11:13 PM)
Last nite paid RM146 for movie ticket and get RM7++ cash back tongue.gif
*
i think nothing beats the 1 for 1 promo for OCBC titanium card @ cathay cinema....
dogdog133
post Dec 30 2007, 09:37 AM

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me was apply the citibank shell cc almost 2 more weeks alrdy also not yet approved...i check the application status it said dun hav my information...y like that?is it rejected?
SUSDavid83
post Dec 30 2007, 09:44 AM

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Just found out that HSBC Bayan Baru branch is going to shift to the area near to Queensbay Mall.

Damn! Not convenient to me!
WaCKy-Angel
post Dec 30 2007, 11:54 AM

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QUOTE(David83 @ Dec 29 2007, 11:15 PM)
The transaction isn't capped at RM 110? You use Visa Wave/Paypass terminal or what?
*
I dont think GSC staff knows how to use the VisaWave thingy...
Everytime i pay also i give the card to them and they insert into the terminal tongue.gif

QUOTE(kindaichi81 @ Dec 30 2007, 05:38 AM)
i think nothing beats the 1 for 1 promo for OCBC titanium card @ cathay cinema....
*
If i own OCBC Titanium, i dont really care about these promotion hehehe
vin_ann
post Dec 30 2007, 04:18 PM

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QUOTE(victorboy @ Dec 30 2007, 01:48 AM)
vin_ann...
do you what is UOB uniringgit?  unsure.gif
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i dun know about this 1 le.....

but im had redeem my smart cash rebate.... hehe....
guanteik
post Dec 30 2007, 09:42 PM

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QUOTE(WaCKy-Angel @ Dec 30 2007, 11:54 AM)
I dont think GSC staff knows how to use the VisaWave thingy...
Everytime i pay also i give the card to them and they insert into the terminal tongue.gif
If i own OCBC Titanium, i dont really care about these promotion hehehe
*
FYI, Titanium card offered by OCBC is not the same grade as Platinium cards. The requirement to own a Titanium is lower than Platinium.
ronnie
post Dec 30 2007, 11:49 PM

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OCBC robinson Platinum also has even lower requirement
kindaichi81
post Dec 31 2007, 07:17 AM

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QUOTE(guanteik @ Dec 30 2007, 09:42 PM)
FYI, Titanium card offered by OCBC is not the same grade as Platinium cards. The requirement to own a Titanium is lower than Platinium.
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I dun really care abt the type of the card, as long as it offers good discounts.... blink.gif

SUSDavid83
post Dec 31 2007, 07:36 AM

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QUOTE(kindaichi81 @ Dec 31 2007, 07:17 AM)
I dun really care abt the type of the card, as long as it offers good discounts.... blink.gif
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Me neither ...
vin_ann
post Dec 31 2007, 12:23 PM

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QUOTE(ronnie @ Dec 30 2007, 11:49 PM)
OCBC robinson Platinum also has even lower requirement
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how lower is lower compared with others?
myusername
post Dec 31 2007, 01:26 PM

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QUOTE(vin_ann @ Dec 31 2007, 12:23 PM)
how lower is lower compared with others?
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RM48k per annum only doh.gif

Added on December 31, 2007, 1:29 pm
QUOTE(dogdog133 @ Dec 30 2007, 01:42 AM)
if go cimb bank branch apply can just giv salary pay slip and epf statement?coz many bank wan many doc to apply...if wan terminate credit card can just call help line to terminate or wan go bank there to fill in the form?
*
To terminate, you will need to submit a written request. Cannot do over the phone. Have to destroy the card as well. Cannot terminate with outstanding balance.

This post has been edited by myusername: Dec 31 2007, 01:29 PM
cute_boboi
post Dec 31 2007, 01:43 PM

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QUOTE(David83 @ Dec 29 2007, 08:56 AM)
How can I check my CCRIS record? Can I view it online at some page?
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CCRIS = you need to go personally to any BNM branch. Remember bring IC and yourself.

Added on December 31, 2007, 1:47 pm
QUOTE(myusername @ Dec 31 2007, 01:26 PM)
RM48k per annum only  doh.gif

*
Wow... the lowest I saw before this was Mastercard platinum @60k p.a.
For Visa platinum, lowest I saw was @100k p.a.

Seems like CC standard dropping fast. I remember Gold @48k and Platinum @120k...


BTW, side track: this is my 300th posting thumbup.gif I got 3 stars now blush.gif


This post has been edited by cute_boboi: Dec 31 2007, 01:48 PM
kucingfight
post Dec 31 2007, 02:53 PM

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ok guys, i need some sincere recommendations. Haven owned a credit card yet. I'm looking for a suitable card, i wont be using much in a month, mostly on petrol & insurance which is around rm400 the most.

I'm targetting on the no annual free, Citibank Choice, Maybank FLEX and UOB VOX. any cards amongst these or other recommendations that have good rebates/promo?
WaCKy-Angel
post Dec 31 2007, 02:58 PM

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QUOTE(kucingfight @ Dec 31 2007, 02:53 PM)
ok guys, i need some sincere recommendations. Haven owned a credit card yet. I'm looking for a suitable card, i wont be using much in a month, mostly on petrol & insurance which is around rm400 the most.

I'm targetting on the no annual free, Citibank Choice, Maybank FLEX and UOB VOX. any cards amongst these or other recommendations that have good rebates/promo?
*
UOB Vox is more suitable for clubbers..

If u have local bank account, better get from the same bank atleast easier to view statement and repayment.

Citibank Choice only 2 years free then have to pay annual fees.

I suggest Maybank for convenience or UOB for cash rebate

http://www.moneysection.com/index.php
guanteik
post Dec 31 2007, 03:11 PM

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QUOTE(kucingfight @ Dec 31 2007, 02:53 PM)
ok guys, i need some sincere recommendations. Haven owned a credit card yet. I'm looking for a suitable card, i wont be using much in a month, mostly on petrol & insurance which is around rm400 the most.

I'm targetting on the no annual free, Citibank Choice, Maybank FLEX and UOB VOX. any cards amongst these or other recommendations that have good rebates/promo?
*
Voting MBB Flex... just need to swipe your card 2 times a month and the monthly fee is waived...

QUOTE(WaCKy-Angel @ Dec 31 2007, 02:58 PM)
UOB Vox is more suitable for clubbers..

If u have local bank account, better get from the same bank atleast easier to view statement and repayment.

Citibank Choice only 2 years free then have to pay annual fees.

I suggest Maybank for convenience or UOB for cash rebate

http://www.moneysection.com/index.php
*
Choice is free for life...
WaCKy-Angel
post Dec 31 2007, 03:13 PM

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QUOTE(guanteik @ Dec 31 2007, 03:11 PM)

Choice is free for life...
*
Ops...mistaken Clear Card..

Choice card same as Maybank Flex...need to swipe 2 times every month.
But Maybank Flex only charge RM3.95 if u failed to use 2 times whilst Choice card is RM4++
kucingfight
post Dec 31 2007, 03:14 PM

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guanteik, but the Flex, u need to swipe at least RM300 a month rite? else RM3.95 will be charged.

Ok so the same applies to Choice rite? juz swipe twice a month or there's a minimum limit to avoid charges?


how bout OCBC Titanium?

This post has been edited by kucingfight: Dec 31 2007, 03:16 PM
guanteik
post Dec 31 2007, 05:16 PM

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QUOTE(kucingfight @ Dec 31 2007, 03:14 PM)
guanteik, but the Flex, u need to swipe at least RM300 a month rite? else RM3.95 will be charged.

Ok  so the same applies to Choice rite? juz swipe twice a month or there's a minimum limit to avoid charges?
how bout OCBC Titanium?
*
just swipe 2 times, not RM300 where it was used to be... they revised the fee waiver criteria.

Titanium is created just for the sake of the card's name... just like a Platinium card, Gold card.. etc.. I have personally came to know that some Gold CC only gives u a few thousand of credit limit, just like normal Classic cards but they have the advantage of charging you the annual fees at a high rate. Well, you pay, you get the 'name'.

This post has been edited by guanteik: Dec 31 2007, 05:19 PM
WaCKy-Angel
post Dec 31 2007, 05:23 PM

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QUOTE(kucingfight @ Dec 31 2007, 03:14 PM)
guanteik, but the Flex, u need to swipe at least RM300 a month rite? else RM3.95 will be charged.

Ok  so the same applies to Choice rite? juz swipe twice a month or there's a minimum limit to avoid charges?
how bout OCBC Titanium?
*
2 times or RM300 lor..
Cant remember..

But its not hard to get RM300.
1. Telephone + streamyx
2. Electric
3. Petrol
4. Mobilephone
5. Insurance
charymsylyn
post Dec 31 2007, 05:27 PM

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MB Flex is two swipes per month for monthly fee waiver.

You need to have two UOB cards to qualify for annual fee waiver, but you do not get any points for using UOB Vox to swipe.
ronnie
post Dec 31 2007, 05:33 PM

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QUOTE(kucingfight @ Dec 31 2007, 02:53 PM)
ok guys, i need some sincere recommendations. Haven owned a credit card yet. I'm looking for a suitable card, i wont be using much in a month, mostly on petrol & insurance which is around rm400 the most.

I'm targetting on the no annual free, Citibank Choice, Maybank FLEX and UOB VOX. any cards amongst these or other recommendations that have good rebates/promo?
*
why not consider CIMB/Direct Access.... free for life with no hidden condition.
WaCKy-Angel
post Dec 31 2007, 05:35 PM

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QUOTE(ronnie @ Dec 31 2007, 05:33 PM)
why not consider CIMB/Direct Access.... free for life with no hidden condition.
*
Do they gives points or stuffs?
SUSDavid83
post Dec 31 2007, 06:02 PM

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QUOTE(WaCKy-Angel @ Dec 31 2007, 05:35 PM)
Do they gives points or stuffs?
*
Should have I guess ... pretty standard in credit card industry.
hye
post Dec 31 2007, 09:33 PM

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QUOTE(WaCKy-Angel @ Dec 31 2007, 05:35 PM)
Do they gives points or stuffs?
*
CIMB Bank Credit card points only valid for 1 year and they'll expire at the end of every year. If you wish to collect points then go for expiry with no points expiration or longer points expiry.

Citibank is one of them with no points expiry but I can't remember what other banks policy are with regards to points expiration.

This post has been edited by hye: Jan 1 2008, 08:29 AM
myusername
post Dec 31 2007, 09:57 PM

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I also got consider CIMB free-for-life. Is it also free-for-life for Platinum? If yes, then worth getting as spare card (no need to worry about collecting points etc)
SUSDavid83
post Dec 31 2007, 09:58 PM

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QUOTE(myusername @ Dec 31 2007, 09:57 PM)
I also got consider CIMB free-for-life. Is it also free-for-life for Platinum? If yes, then worth getting as spare card (no need to worry about collecting points etc)
*
I agree with you. I have applied for CIMB DA Mastercard Gold.


eyng
post Dec 31 2007, 10:27 PM

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QUOTE(WaCKy-Angel @ Dec 31 2007, 03:13 PM)
Ops...mistaken Clear Card..

Choice card same as Maybank Flex...need to swipe 2 times every month.
But Maybank Flex only charge RM3.95 if u failed to use 2 times whilst Choice card is RM4++
*
I am having both Flex and Choice. For Flex they will charge 3.95 should I fail to swipe twice in the month, but for Choice, Citibank doesn't charge me anything.

However Flex benefit is every RM1 get 1 point but Choice is for every RM50 spent get 50 points. Hence may require longer time to build up Citibank's points (must make sure transactions are in denominations of RM50). icon_idea.gif

DDSFan8
post Dec 31 2007, 11:24 PM

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card cancellation for citibank can be done over the phone
soitsuagain
post Dec 31 2007, 11:43 PM

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QUOTE(guanteik @ Dec 31 2007, 05:16 PM)
just swipe 2 times, not RM300 where it was used to be... they revised the fee waiver criteria.

Titanium is created just for the sake of the card's name... just like a Platinium card, Gold card.. etc.. I have personally came to know that some Gold CC only gives u a few thousand of credit limit, just like normal Classic cards but they have the advantage of charging you the annual fees at a high rate. Well, you pay, you get the 'name'.
*
MBF will automatically upgrade you to a gold card as soon as you spend 5k. No set time limit.

Btw, I was told that banks did their annual credit limit reviews on specific dates. I though its funny cause I believed its one year (after your 12th statement) after the credit card has been issued to you.
hye
post Jan 1 2008, 08:30 AM

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QUOTE(myusername @ Dec 31 2007, 09:57 PM)
I also got consider CIMB free-for-life. Is it also free-for-life for Platinum? If yes, then worth getting as spare card (no need to worry about collecting points etc)
*
CIMB Platinum card is not free for life if I'm not mistaken.


Anyone here is aware which bank charges additional administrative fees if you use it overseas ? I know that EON bank charges 2% extra and MBF charges 1% extra ... anyone else?

This post has been edited by hye: Jan 1 2008, 11:32 AM
SUSDavid83
post Jan 1 2008, 11:04 AM

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QUOTE(hye @ Jan 1 2008, 08:30 AM)
Platinum card is not free for life if I'm not mistaken.
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CIMB DA Gold and Platinum are free for life.

http://www.directaccess.com.my/index.php?c...rd&ac=12&tpt=da
Gen-X
post Jan 1 2008, 11:25 AM

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QUOTE(David83 @ Jan 1 2008, 11:04 AM)
CIMB DA Gold and Platinum are free for life.

http://www.directaccess.com.my/index.php?c...rd&ac=12&tpt=da
*
yah, Direct Access has no annual fees. Prior to CIMB taking over Southern Bank, this offer was for professional or graduate.

David83, noted from link above no mentioned of one needing to be a graduate/professional to qualify for free annual fee but link below does mention

http://www.directaccess.com.my/index.php?c...ard&ac=8&tpt=da

Also CIMB have lowered the annual income requirement for Platinum to RM80K whereas previously under Southern Bank it got to be above RM100K.

I do have a DA Plat CC card but it is in my drawer as the benefits aren't that great; moreover, got to pay for courier charges when redeem rewards points and the points have a fixed expiry date (you accumulate points for 3 years then start from 0 again).

but with CIMB now owing DA, there are more offers, recently DA have discount/rebate at MPH.

This post has been edited by Gen-X: Jan 1 2008, 11:48 AM
SUSDavid83
post Jan 1 2008, 11:29 AM

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QUOTE(Gen-X @ Jan 1 2008, 11:25 AM)
yah, Direct Access has no annual fees. Prior to CIMB taking over Southern Bank, this offer was for professional or graduate.

David83, noted from link above no mentioned of one needing to be a graduate/professional to qualify for free annual fee but link below does mention

http://www.directaccess.com.my/index.php?c...ard&ac=8&tpt=da

Also CIMB have lowered the annual income requirement for Platinum to RM80K whereas previously under Southern Bank it got to be above RM100K.

I do have a DA Plat CC card but it is in my drawer as the benefits aren't that great; moreover, got to pay for courier charges when redeem rewards points and the points have expiry date.

but with CIMB now owing DA, there are more offers, recently DA have discount/rebate at MPH.
*
Hi Gen-X, the graduate/professional thingy is an application requirement and the free for life thing is the feature for DA. I guess both are totally different subjects. biggrin.gif
Gen-X
post Jan 1 2008, 11:48 AM

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David83, it is repeatly asked here in this thread about free annual fee, i suggest that you compile the posts here in regards to CC with free annual fee at the 1st post. Below are CC that offer free annual fees without the need of requesting for waiver that i know:

Direct Access Plat and Gold - requirement Professional/Graduate.
UOB Plat - got to have BOTH MasterCard and Visa and swipe minimum 6 times/card.
Alliance Plat - swipe 12 times a year or spend RM3,000/year.
RHB Evo - got to swipe once a month or RM8 is charged for that month.
OCBC Plat Robinson - got to spend RM8K/year inclusive of minimum RM1K at Robinson

eyng mentioned
MBB Flex -got to swipe twice a month or else charged RM3.95
Citibank Choice - requirement for free annual fee ?
DDSFan8
post Jan 1 2008, 12:54 PM

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QUOTE(Gen-X @ Jan 1 2008, 11:48 AM)
David83, it is repeatly asked here in this thread about free annual fee, i suggest that you compile the posts here in regards to CC with free annual fee at the 1st post. Below are CC that offer free annual fees without the need of requesting for waiver that i know:

Direct Access Plat and Gold - requirement Professional/Graduate.
UOB Plat - got to have BOTH MasterCard and Visa and swipe minimum 6 times/card.
Alliance Plat - swipe 12 times a year or spend RM3,000/year.
RHB Evo - got to swipe once a month or RM8 is charged for that month.
OCBC Plat Robinson - got to spend RM8K/year inclusive of minimum RM1K at Robinson

eyng mentioned
MBB Flex -got to swipe twice a month or else charged RM3.95
Citibank Choice - requirement for free annual fee ?
*
Choice just need 2 transactions in a month.
SUSDavid83
post Jan 1 2008, 06:38 PM

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All information updated to the first page. If you have any more related and crucial information, kindly let me know.

Thank you.
muxx
post Jan 1 2008, 07:06 PM

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just wanna know..what is the different between charge card (amex..dinners) and credit cards?
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post Jan 1 2008, 07:09 PM

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QUOTE(muxx @ Jan 1 2008, 07:06 PM)
just wanna know..what is the different between charge card (amex..dinners) and credit cards?
*
AMEX charge card has no credit limit and you need to settle the outstanding in full.

AMEX credit card is like usual VISA and MASTERCARD.
muxx
post Jan 1 2008, 07:15 PM

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meaning that within a month i have to settle my balance in full?
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post Jan 1 2008, 07:20 PM

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QUOTE(muxx @ Jan 1 2008, 07:15 PM)
meaning that within a month i have to settle my balance in full?
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Not exactly a month ... I think should be within 20 days.

http://www.maybank2u.com.my/consumer/onlin...mex_green.shtml

You can also visit the dedicated AMEX thread.

This post has been edited by David83: Jan 1 2008, 09:32 PM
WaCKy-Angel
post Jan 1 2008, 10:02 PM

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I hereby declare RHB bank is damm lousy

Their CDM at OUG are constantly down making it my 2nd month i had to go to the nearest branch at Salak South.
Damm stupid service they have....and not to mention that OUG branch is quite new not older than 2 years i think.

From now on, GIRO payment from my Maybank will be starting for the stupid RHB until i decide to cancel their card for good.

Btw GIRO credit card payment is direct not required for 2-3days like interbank fund transfer rite?
darkages
post Jan 1 2008, 10:27 PM

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Just realise CIMB DA requires an annual salary of 30k. Was thinking of apply that.

Looks like Citi Choice is the only choice for me now.
myusername
post Jan 1 2008, 10:43 PM

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QUOTE(David83 @ Jan 1 2008, 11:04 AM)
CIMB DA Gold and Platinum are free for life.

http://www.directaccess.com.my/index.php?c...rd&ac=12&tpt=da
*
CIMB Platinum is free according to this link:
CIMB

It says:
QUOTE
Annual Fee
Principal
- Platinum Free For Life
- Gold RM140
- Classic RM70

Supplementary
- Platinum Free For Life
- Gold RM70
- Classic RM35


Which is rather conflicting, as I thought the Gold and Classic is also free for life? I think I will visit the bank and ask once and for all. Will let you guys know.
SUSDavid83
post Jan 1 2008, 10:47 PM

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QUOTE(myusername @ Jan 1 2008, 10:43 PM)
CIMB Platinum is free according to this link:
CIMB

It says:
Which is rather conflicting, as I thought the Gold and Classic is also free for life? I think I will visit the bank and ask once and for all. Will let you guys know.
*
I think those that you quoted are CC from CIMB itself.

Those that I quoted are CC from CIMB DA which previously under SBB.

CIMB has its own CC and DA is also under CIMB but different management team.
myusername
post Jan 1 2008, 10:53 PM

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QUOTE(David83 @ Jan 1 2008, 10:47 PM)
I think those that you quoted are CC from CIMB itself.

Those that I quoted are CC from CIMB DA which previously under SBB.

CIMB has its own CC and DA is also under CIMB but different management team.
*
Right on. I'm aware of the difference, but I was told that CIMB cards (not DA) are also free for life. Btw, I'm not interested in DA's card... don't like their concept of professionals or graduates only. I feel it's borderline discrimination (but that's just me blush.gif )

Btw, any feedback from CIMB card users? Much appreciated.

This post has been edited by myusername: Jan 1 2008, 10:54 PM
eric84cool
post Jan 1 2008, 11:28 PM

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anyone know which bank offering the lowest exchange rate in card when we purchase item in oversea?visa or mastercard betteR?
hye
post Jan 1 2008, 11:41 PM

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QUOTE(eric84cool @ Jan 1 2008, 11:28 PM)
anyone know which bank offering the lowest exchange rate in card when we purchase item in oversea?visa or mastercard betteR?
*
As far as I know, exchange rate for the cards is determined by VISA/Mastercard International and then the banks add a little for administrative fees. (Some openly say they impose but most of them do not say it upfront) I suggest you hunt for online coupons to get a better deal
WaCKy-Angel
post Jan 1 2008, 11:53 PM

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QUOTE(eric84cool @ Jan 1 2008, 11:28 PM)
anyone know which bank offering the lowest exchange rate in card when we purchase item in oversea?visa or mastercard betteR?
*
Buying Paypal from forummer is cheaper than using credit card...except that u dont get points from your card that is.

QUOTE(hye @ Jan 1 2008, 11:41 PM)
As far as I know, exchange rate for the cards is determined by VISA/Mastercard International and then the banks add a little for administrative fees. (Some openly say they impose but most of them do not say it upfront) I suggest you hunt for online coupons to get a better deal
*
Agreed...

I bought chocolate in GBP (Great Britian Pound) using paypal + online coupon discount 10%
eric84cool
post Jan 1 2008, 11:53 PM

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QUOTE(hye @ Jan 1 2008, 11:41 PM)
As far as I know, exchange rate for the cards is determined by VISA/Mastercard International and then the banks add a little for administrative fees. (Some openly say they impose but most of them do not say it upfront) I suggest you hunt for online coupons to get a better deal
*
online coupons? hmm.gif
ronnie
post Jan 2 2008, 09:55 AM

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QUOTE(eric84cool @ Jan 1 2008, 11:28 PM)
anyone know which bank offering the lowest exchange rate in card when we purchase item in oversea?visa or mastercard betteR?
*
I do know that the exchange rate by VISA is better than any money changer... hehehe
SUSDavid83
post Jan 2 2008, 10:03 AM

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QUOTE(ronnie @ Jan 2 2008, 09:55 AM)
I do know that the exchange rate by VISA is better than any money changer... hehehe
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Better? Meaning lower?
WaCKy-Angel
post Jan 2 2008, 11:23 AM

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QUOTE(David83 @ Jan 2 2008, 10:03 AM)
Better? Meaning lower?
*
Yup bank exchange rate is always lower than non-bank exchange rate..
Coz non-bank exchange need to earn money lor
SUSDavid83
post Jan 2 2008, 11:44 AM

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WaCKy-Angel, previously you said that a Visa CC can be used on Mastercard terminal or vice versa, right? How about AMEX card on Visa or Mastercard terminal? How about using Visa Wave CC on Paypass terminal?

Hope you could shed some lights.
kucingfight
post Jan 2 2008, 11:49 AM

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Ok guys after doin some readups on those Free Annual Fee cards, i've decided to go with Maybank FLEX. I've got some quieries
1.is it Visa/Master?
2.is it entitled to those TreatPoints too? and does the points have expiry?
3.And also, does petrol refuelling applies to the RM1=1 treatpoints?

This post has been edited by kucingfight: Jan 2 2008, 11:53 AM
SUSDavid83
post Jan 2 2008, 11:53 AM

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QUOTE(kucingfight @ Jan 2 2008, 11:49 AM)
Ok guys after doin some readups on those Free Annual Fee cards, i've decided to go with Maybank FLEX. Btw am i entitled to those TreatPoints too? and does the points have expiry? And also, does petrol refuelling applies to the RM1=1 treatpoints?
*
Any Debit or Credit Card are eligible for TP collection. So far, TP won't expiry.

As for petrol refilling transaction, only MBB AMEX is eligible for TP whereby RM 1 = 2 TP.
WaCKy-Angel
post Jan 2 2008, 11:55 AM

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QUOTE(David83 @ Jan 2 2008, 11:44 AM)
WaCKy-Angel, previously you said that a Visa CC can be used on Mastercard terminal or vice versa, right? How about AMEX card on Visa or Mastercard terminal? How about using Visa Wave CC on Paypass terminal?

Hope you could shed some lights.
*
Yup all terminal should accept both Visa and Mastercard, except some exceptional agreement between merchant with bank.

Amex is not compulsory on all terminal, instead usually the terminal owner (bank) will ask whether the merchant want to "add" Amex into the machine or not..

Btw there's also other payment/loyalty program that can be added into the terminal, different bank different program la ofcourse...
Like Bonuslink all those thingy..

I dont think u can use Visa Wave card on Paypass terminal..
Wait i'll just do a test and comfirm.

Added on January 2, 2008, 12:03 pm
QUOTE(kucingfight @ Jan 2 2008, 11:49 AM)
Ok guys after doin some readups on those Free Annual Fee cards, i've decided to go with Maybank FLEX. I've got some quieries
1.is it Visa/Master?
2.is it entitled to those TreatPoints too? and does the points have expiry?
3.And also, does petrol refuelling applies to the RM1=1 treatpoints?
*
1. U can opt for either one, or both, or include Maybank Amex (Not American Express Charge Card)
2. What u mean? any amount u use on your card gets TP, except purchases at petrol station.
3. As above (except Amex like below)

QUOTE(David83 @ Jan 2 2008, 11:53 AM)
Any Debit or Credit Card are eligible for TP collection. So far, TP won't expiry.

As for petrol refilling transaction, only MBB AMEX is eligible for TP whereby RM 1 = 2 TP.
*
Debit card also got meh?

But anyway, now savings account also got TP..like if u reload HP or pay bills.

Last but not least, if u wan apply card pls look for me tongue.gif
Im Maybankard agent..
I will offer u some cash if your card gets approved (becoz so far Maybank dont give promotion like other bank stingy Maybank tongue.gif )

Added on January 2, 2008, 12:07 pmOK tested Paypass card on Visa Wave machine..

It doesnt works...

This post has been edited by WaCKy-Angel: Jan 2 2008, 12:07 PM
ronnie
post Jan 2 2008, 12:13 PM

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Better means lower smile.gif advantage to consumer.
Though Visa Wave and Mastercard Paypass uses similar technology... they are not compatible smile.gif
myusername
post Jan 2 2008, 12:25 PM

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Okay, I've got my hands on the CIMB apllication form. Here's what I've found out:
1. CIMB Platimnum is free for life! Supplemetary Platinum is also free for life!
2. Conversion rates are determined by Mastercard International and no additional administrative charges!

Good news for me, I can't think of any reason not to apply now.
cute_boboi
post Jan 2 2008, 12:34 PM

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QUOTE(kucingfight @ Jan 2 2008, 11:49 AM)
Ok guys after doin some readups on those Free Annual Fee cards, i've decided to go with Maybank FLEX. I've got some quieries
1.is it Visa/Master?
2.is it entitled to those TreatPoints too? and does the points have expiry?
3.And also, does petrol refuelling applies to the RM1=1 treatpoints?
*
1. IINM, Flexx = Visa only
2. Yes, you have Rm1=1 TP. Expiry as per standard MBB CC
3. No TP for fuel using Flexx Visa.

Added on January 2, 2008, 12:35 pm
QUOTE(WaCKy-Angel @ Jan 2 2008, 11:55 AM)

Last but not least, if u wan apply card pls look for me tongue.gif
Im Maybankard agent..
I will offer u some cash if your card gets approved (becoz so far Maybank dont give promotion like other bank stingy Maybank tongue.gif )

*
woi... PM me pls... got something to ask u. wink.gif


This post has been edited by cute_boboi: Jan 2 2008, 12:35 PM
guanteik
post Jan 2 2008, 05:19 PM

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QUOTE(kucingfight @ Jan 2 2008, 11:49 AM)
Ok guys after doin some readups on those Free Annual Fee cards, i've decided to go with Maybank FLEX. I've got some quieries
1.is it Visa/Master?
2.is it entitled to those TreatPoints too? and does the points have expiry?
3.And also, does petrol refuelling applies to the RM1=1 treatpoints?
*
1. VISA only
2. Yea, RM1=1TP.
3. Caltex will give 3X TP during it's promotion, not too sure about now (without promotion)
SUSDavid83
post Jan 2 2008, 05:20 PM

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QUOTE(guanteik @ Jan 2 2008, 05:19 PM)
3. Caltex will give 3X TP during it's promotion, not too sure about now (without promotion)
*
This promotion has ended on 31st December 2007.
WaCKy-Angel
post Jan 2 2008, 05:29 PM

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QUOTE(David83 @ Jan 2 2008, 05:20 PM)
This promotion has ended on 31st December 2007.
*
I heard someone said its extended?
Or it wasnt 31st Dec b4 extension?
Coconut
post Jan 2 2008, 05:45 PM

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Pretty sure it expired on 31st Dec 07, just have a look on the brochure yesterday and wanted to apply for it b3fore i saw the expired date, unless it got extended.
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post Jan 2 2008, 05:58 PM

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QUOTE(WaCKy-Angel @ Jan 2 2008, 05:29 PM)
I heard someone said its extended?
Or it wasnt 31st Dec b4 extension?
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QUOTE(Coconut @ Jan 2 2008, 05:45 PM)
Pretty sure  it expired on 31st Dec 07, just have a look on the brochure yesterday and wanted to apply for it b3fore i saw the expired date, unless it got extended.
*
Originally it supposed to end on 30th November and I was arguing with one of the forumer in this thread by snapping a picture. Then, the promotion has been extended to 31st December.
Chester
post Jan 2 2008, 08:37 PM

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Quick question. Any benefit of taking OCBC Platinum Robinson's card?
WaCKy-Angel
post Jan 3 2008, 09:00 AM

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QUOTE(Chester @ Jan 2 2008, 08:37 PM)
Quick question. Any benefit of taking OCBC Platinum Robinson's card?
*
https://www.ocbc.com.my/personal-banking/Ca...m?bcid=M5_C1_S3
https://www.ocbc.com.my/personal-banking/Ca...s_overview.shtm

This post has been edited by WaCKy-Angel: Jan 3 2008, 09:00 AM
Gen-X
post Jan 3 2008, 09:51 AM

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QUOTE(Chester @ Jan 2 2008, 08:37 PM)
Quick question. Any benefit of taking OCBC Platinum Robinson's card?
*
If you do a lot of shopping at Robinson then yes as it gives you 5% rebate for purchases at Robinson.
SUStsunade
post Jan 3 2008, 11:51 AM

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QUOTE(WaCKy-Angel @ Dec 24 2007, 11:25 AM)
Becoz HSBC requirement super damm high and their sales person so kiasu, they only hunt for those "rich looking" customer.
Try wearing a short pants and t-shirt and walk up to them say u want to apply card.
*
I was wearing shorts and t-shirt the other day, and they're chasing me like flies wor....... hmm.gif
SUSDavid83
post Jan 3 2008, 12:44 PM

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CIMB is currently offering Free For Life (prinicipal card) without condition CC for Mastercard like DA. It's also Paypass-enabled.
Playbook
post Jan 3 2008, 01:09 PM

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What's good credit card to get nowadays?

I am looking for a credit card with, preferably, no joining / annual fee. I don't mind a minimum spend card though.

Any suggestions?

Thanks.
shiniraz
post Jan 3 2008, 02:24 PM

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QUOTE(David83 @ Jan 3 2008, 12:44 PM)
CIMB is currently offering Free For Life (prinicipal card) without condition CC for Mastercard like DA. It's also Paypass-enabled.
*
Dear Playbook...

As you can see from post by mr david, currently cimb offer free for life credit card - no minimum spending, no conditions, no joining fee, no annual fee...you can apply for this CC icon_rolleyes.gif

One question here...
is it ok if we dont use this card for several months ? is there any charge will be given if we do not spend actively using this cimb paypass cc? unsure.gif
cute_boboi
post Jan 3 2008, 02:37 PM

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QUOTE(Playbook @ Jan 3 2008, 01:09 PM)
What's good credit card to get nowadays?

I am looking for a credit card with, preferably, no joining / annual fee.  I don't mind a minimum spend card though.

Any suggestions?

Thanks.
*
Some CC just off my mind:
1) MBB Flexx - Min rm300/mth

2) Citibank Choice - Min 2 swipe /mth
kucingfight
post Jan 3 2008, 02:43 PM

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QUOTE(cute_boboi @ Jan 3 2008, 02:37 PM)
Some CC just off my mind:
1) MBB Flexx - Min rm300/mth

2) Citibank Choice - Min 2 swipe /mth
*
MBB flex no more min rm300 liao...juz swipe 2times a month
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post Jan 3 2008, 02:45 PM

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QUOTE(shiniraz @ Jan 3 2008, 02:24 PM)
One question here...
is it ok if we dont use this card for several months ? is there any charge will be given if we do not spend actively using this cimb paypass cc?  unsure.gif
*
I don't think that there'll be any charges if you don't use it since it's a FREE for Life - No joining fees, No annual fees, No conditions (quoted from the brochure).
WaCKy-Angel
post Jan 3 2008, 02:47 PM

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QUOTE(shiniraz @ Jan 3 2008, 02:24 PM)
Dear Playbook...

As you can see from post by mr david, currently cimb offer free for life credit card - no minimum spending, no conditions, no joining fee, no annual fee...you can apply for this CC  icon_rolleyes.gif

One question here...
is it ok if we dont use this card for several months ? is there any charge will be given if we do not spend actively using this cimb paypass cc?  unsure.gif
*
sweat.gif sweat.gif sweat.gif

To be exact, its not CIMB but Direct Access
Go CIMB and ask for free for life CC and u will not get the correct card if u dont say Direct Access.

QUOTE(cute_boboi @ Jan 3 2008, 02:37 PM)
Some CC just off my mind:
1) MBB Flexx - Min rm300/mth

2) Citibank Choice - Min 2 swipe /mth
*
doh.gif doh.gif doh.gif doh.gif doh.gif

QUOTE(kucingfight @ Jan 3 2008, 02:43 PM)
MBB flex no more min rm300 liao...juz swipe 2times a month
*
Maybank too lazy to update website

Added on January 3, 2008, 2:52 pmHmm i just saw the CIMB Diploma card, free for life..

But promotion ends on 31st April 2007

This post has been edited by WaCKy-Angel: Jan 3 2008, 02:52 PM
shiniraz
post Jan 3 2008, 03:03 PM

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QUOTE(WaCKy-Angel @ Jan 3 2008, 02:47 PM)
sweat.gif  sweat.gif  sweat.gif

To be exact, its not CIMB but Direct Access
Go CIMB and ask for free for life CC and u will not get the correct card if u dont say Direct Access.
doh.gif  doh.gif  doh.gif  doh.gif  doh.gif
WaCKy, I just get back from CIMB.. currently they have promotion for the CIMB Paypass CC itself (not the direct access)..as i mentioned before..there are no joining fees, no annual fees and no conditions.. i have the form with me now..

But i still want to get the DirectAccess cc for me..i can get the gold card if i apply with DA instead of only classic card if i apply for the CIMB card.
WaCKy-Angel
post Jan 3 2008, 03:06 PM

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QUOTE(shiniraz @ Jan 3 2008, 03:03 PM)
WaCKy, I just get back from CIMB.. currently they have promotion for the CIMB Paypass CC itself (not the direct access)..as i mentioned before..there are no joining fees, no annual fees and no conditions.. i have the form with me now..

But i still want to get the DirectAccess cc for me..i can get the gold card if i apply with DA instead of only classic card if i apply for the CIMB card.
*
I saw the online form it says promotion ended 30th April 2007..

I shall get one too..any agents want to take my application?
shiniraz
post Jan 3 2008, 03:17 PM

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Yeah, I also noticed that. I think CIMB admin did not update their site regularly.. tongue.gif
No need for an agent WaCKy.

Just go directly to any CIMB branch, and apply. Bring along a photocopy of important documents as stated below:
For CIMB PayPass CC
1.IC (both sides)
2.Latest Salary Slips(not sure for previous 2 or 3 mths )

For DirectAccess CC
1.Same as above 1 and 2
2.Degree Certificate
3.Business Card

Hope these info will helps rolleyes.gif

Added on January 3, 2008, 3:45 pmwhat will happens if we have a credit card(eg cimb paypass or direct access that is free for life and have no min swipes), and we only used it seldomly(let say once a mth).. and sometimes we did not used it for 2 or 3 mths..
what will happens to our CC? is there any extra charge will be given ? or our account will be freeze or something like that ?

can anyone clarify me about this matter ? thanks..kinda new to this CC matters.. thanks again

This post has been edited by shiniraz: Jan 3 2008, 03:45 PM
mrcloud9
post Jan 3 2008, 03:54 PM

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QUOTE(Chester @ Jan 2 2008, 08:37 PM)
Quick question. Any benefit of taking OCBC Platinum Robinson's card?
*
i am of the opinion that ocbc malaysia has totally 'cheapened' the prestige of platinum by offering this card. the income requirement isnt even half of what other banks demand to be platinum cardholder. what a shame.
hye
post Jan 3 2008, 04:37 PM

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QUOTE(mrcloud9 @ Jan 3 2008, 03:54 PM)
i am of the opinion that ocbc malaysia has totally 'cheapened' the prestige of platinum by offering this card. the income requirement isnt even half of what other banks demand to be platinum cardholder. what a shame.
*
I totally agree on this. Wouldn't want to cheapened my image if I do get this card.
SUSDavid83
post Jan 3 2008, 05:02 PM

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QUOTE(shiniraz @ Jan 3 2008, 03:17 PM)
Yeah, I also noticed that. I think CIMB admin did not update their site regularly.. tongue.gif
No need for an agent WaCKy.

Just go directly to any CIMB branch, and apply. Bring along a photocopy of important documents as stated below:
For CIMB PayPass CC
1.IC (both sides)
2.Latest Salary Slips(not sure for previous 2 or 3 mths )

For DirectAccess CC
1.Same as above 1 and 2
2.Degree Certificate
3.Business Card

Hope these info will helps  rolleyes.gif

Added on January 3, 2008, 3:45 pmwhat will happens if we have a credit card(eg cimb paypass or direct access that is free for life and have no min swipes), and we only used it seldomly(let say once a mth).. and sometimes we did not used it for 2 or 3 mths..
what will happens to our CC? is there any extra charge will be given ? or our account will be freeze or something like that ?

can anyone clarify me about this matter ? thanks..kinda new to this CC matters.. thanks again
*
There's a difference between both:

CIMB Mastercard with Paypass CC is a classic while CIMB DA Visa/Mastercard CC is a gold.

Both cards are FREE for life without any condition.
cute_boboi
post Jan 3 2008, 05:05 PM

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QUOTE(kucingfight @ Jan 3 2008, 02:43 PM)
MBB flex no more min rm300 liao...juz swipe 2times a month
*
Is it ? I'm not up to date tongue.gif

Added on January 3, 2008, 5:06 pm
QUOTE(mrcloud9 @ Jan 3 2008, 03:54 PM)
i am of the opinion that ocbc malaysia has totally 'cheapened' the prestige of platinum by offering this card. the income requirement isnt even half of what other banks demand to be platinum cardholder. what a shame.
*
What's the minimum requirement for OCBC Platinum Master ? rm150k p.a. ?


This post has been edited by cute_boboi: Jan 3 2008, 05:06 PM
myusername
post Jan 3 2008, 05:28 PM

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QUOTE(David83 @ Jan 3 2008, 05:02 PM)
There's a difference between both:

CIMB Mastercard with Paypass CC is a classic while CIMB DA Visa/Mastercard CC is a gold.

Both cards are FREE for life without any condition.
*
Ok allow me to clarify this once and for all. I just went to CIMB just now, application form in front of me now.
Platinum, Gold, Classic, all free for life for CIMB Mastercard (NOT DA)
Platinum Supplementary also free for life
Gold and Classic Supplementary free for 1st year only
Exchange rate is determined by Mastercard International + NO administration cost

thumbup.gif

Added on January 3, 2008, 5:31 pm
QUOTE(cute_boboi @ Jan 3 2008, 05:05 PM)
Is it ? I'm not up to date  tongue.gif

Added on January 3, 2008, 5:06 pm

What's the minimum requirement for OCBC Platinum Master ? rm150k p.a. ?
*
If you're asking about the OCBC Robinson's Platinum, as I mentioned before it's just 48k doh.gif


This post has been edited by myusername: Jan 3 2008, 05:31 PM
mrcloud9
post Jan 3 2008, 05:36 PM

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QUOTE(myusername @ Jan 3 2008, 05:28 PM)
Ok allow me to clarify this once and for all. I just went to CIMB just now, application form in front of me now.
Platinum, Gold, Classic, all free for life for CIMB Mastercard (NOT DA)
Platinum Supplementary also free for life
Gold and Classic Supplementary free for 1st year only
Exchange rate is determined by Mastercard International + NO administration cost

thumbup.gif

Added on January 3, 2008, 5:31 pm

If you're asking about the OCBC Robinson's Platinum, as I mentioned before it's just 48k  doh.gif
*
48k as min income requirement? this robinsons platinum will be the joke of the wannabes.
WaCKy-Angel
post Jan 3 2008, 05:40 PM

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QUOTE(David83 @ Jan 3 2008, 05:02 PM)
There's a difference between both:

CIMB Mastercard with Paypass CC is a classic while CIMB DA Visa/Mastercard CC is a gold.

Both cards are FREE for life without any condition.
*
So what else different besides the card colour?
Probably the DA limit is slightly higher coz the requirement is slightly higher too.
If CIMB gets 4k limit, DA will get 5k limit

QUOTE(myusername @ Jan 3 2008, 05:28 PM)
Ok allow me to clarify this once and for all. I just went to CIMB just now, application form in front of me now.
Platinum, Gold, Classic, all free for life for CIMB Mastercard (NOT DA)
Platinum Supplementary also free for life
Gold and Classic Supplementary free for 1st year only
Exchange rate is determined by Mastercard International + NO administration cost

thumbup.gif

*
U need to read the fine print.
myusername
post Jan 3 2008, 05:52 PM

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QUOTE(WaCKy-Angel @ Jan 3 2008, 05:40 PM)
So what else different besides the card colour?
Probably the DA limit is slightly higher coz the requirement is slightly higher too.
If CIMB gets 4k limit, DA will get 5k limit
U need to read the fine print.
*
Sorry, my old eyes must be failing me again. What did I miss in the fine print?
WaCKy-Angel
post Jan 3 2008, 05:54 PM

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QUOTE(myusername @ Jan 3 2008, 05:52 PM)
Sorry, my old eyes must be failing me again. What did I miss in the fine print?
*
I meant u said CIMB platinum all free for life....

Ofcourse its free for life (if u swipe 2 times monthly).
myusername
post Jan 3 2008, 06:11 PM

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QUOTE(WaCKy-Angel @ Jan 3 2008, 05:54 PM)
I meant u said CIMB platinum all free for life....

Ofcourse its free for life (if u swipe 2 times monthly).
*
Sorry, I must be going senile. Where does it say that you have to swipe twice a month for CIMB Mastercard?! I'm holding the application form in my hand, and I spoke to the bank earlier. He said no hidden charges, no conditions, free for life. Are you sure you are talking about the right card and the right fine print?
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post Jan 3 2008, 06:26 PM

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QUOTE(myusername @ Jan 3 2008, 05:28 PM)
If you're asking about the OCBC Robinson's Platinum, as I mentioned before it's just 48k  doh.gif
*
shocking.gif -> blink.gif -> doh.gif -> rclxub.gif

vin_ann
post Jan 3 2008, 07:58 PM

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QUOTE(WaCKy-Angel @ Jan 3 2008, 02:47 PM)
sweat.gif  sweat.gif  sweat.gif

To be exact, its not CIMB but Direct Access
Go CIMB and ask for free for life CC and u will not get the correct card if u dont say Direct Access.
doh.gif  doh.gif  doh.gif  doh.gif  doh.gif
Maybank too lazy to update website

Added on January 3, 2008, 2:52 pmHmm i just saw the CIMB Diploma card, free for life..

But promotion ends on 31st April 2007
*
agreed. must mention Direct acess...
WaCKy-Angel
post Jan 3 2008, 09:36 PM

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QUOTE(myusername @ Jan 3 2008, 06:11 PM)
Sorry, I must be going senile. Where does it say that you have to swipe twice a month for CIMB Mastercard?! I'm holding the application form in my hand, and I spoke to the bank earlier. He said no hidden charges, no conditions, free for life. Are you sure you are talking about the right card and the right fine print?
*
http://www.cimbbank.com.my/index.php?ch=ba...2&tpt=cimb_bank
myusername
post Jan 3 2008, 09:56 PM

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QUOTE(WaCKy-Angel @ Jan 3 2008, 09:36 PM)
http://www.cimbbank.com.my/index.php?ch=ba...2&tpt=cimb_bank
*
The website must be outdated, as I went to the bank in person and they told me free for life, no conditions, no hidden charges. Furthermore, there is nothing that says must swipe twice a month? Is the fine print so fine my old eyes cannot see? hmm.gif

In any case, the plat is still free for life, so it's all good.
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post Jan 3 2008, 10:08 PM

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I have the brochure with me and it's clearly stated that for CIMB Mastercard Paypass CC:

Principal - FREE for life on Classic, Gold and Platinum

Supplimentary - FREE for life on Platinum only
myusername
post Jan 3 2008, 10:28 PM

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QUOTE(David83 @ Jan 3 2008, 10:08 PM)
I have the brochure with me and it's clearly stated that for CIMB Mastercard Paypass CC:

Principal - FREE for life on Classic, Gold and Platinum

Supplimentary - FREE for life on Platinum only
*
Thanks David, I thought I was going senile. I usually don't miss the fine print.
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post Jan 3 2008, 10:51 PM

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Hi! Interested in getting a free-for-life DA cc here. Any DA credit card agents pls PM thanks!!
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post Jan 3 2008, 11:18 PM

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QUOTE(josephtan83 @ Jan 3 2008, 10:51 PM)
Hi! Interested in getting a free-for-life DA cc here. Any DA credit card agents pls PM thanks!!
*
aiyo... another 1....

just walks into any CIMB bank lol... fills in the form... and bring all documents....
Efalex
post Jan 4 2008, 12:13 AM

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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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post Jan 4 2008, 12:30 AM

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i'm using maybank CCard....they gave 1 treatpoint per 1rm swipe...
can anyone tell me these treatpoint and expire date?? like in bonuslink
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post Jan 4 2008, 02:13 AM

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QUOTE(anglee82 @ Jan 4 2008, 12:30 AM)
i'm using maybank CCard....they gave 1 treatpoint per 1rm swipe...
can anyone tell me these treatpoint and expire date?? like in bonuslink
*
Maybank Treatpoints do not expire, even if the account is closed.
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post Jan 4 2008, 07:14 AM

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QUOTE(charymsylyn @ Jan 4 2008, 02:13 AM)
Maybank Treatpoints do not expire, even if the account is closed.
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Great... this is a definate answer for my question asked a few weeks ago...
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post Jan 4 2008, 02:13 PM

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Hmm my colleague just said her bro applied last month and its not free for life..
I shall be paying CIMB bank a visit soon..

And if there is CIMB agent here do contact me...
Its for a benefit for me, but just wanna let ppl earn commission only..
Btw if its really free for life, im sure i will be submitting atleast 5 application.
l3iTi
post Jan 4 2008, 06:42 PM

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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...
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.
*
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...
*
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.....
lthock
post Jan 4 2008, 07:37 PM

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QUOTE(charymsylyn @ Jan 4 2008, 02:13 AM)
Maybank Treatpoints do not expire, even if the account is closed.
*
thanks...i also was wondering the same thing...any1 got the latest maybank catalog 2008 yet??
DDSFan8
post Jan 4 2008, 11:54 PM

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Breaking News.

Not all bank credit cards are free for life.

Agents only say free for life because they want to meet quota. Every card got annual fees except for one or 2 offered by the bank.

If free for life u think the bank can survive? Yes, they offer annual fee waiver provided if you have been an avid card user of that bank
myusername
post Jan 5 2008, 12:22 AM

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Here we go again.
c.o.o.l
post Jan 5 2008, 01:22 AM

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Just got my 2 UOB CC yesterday.
My first and second. lol
Can I ask how to check my statement? Only through their website with online banking? Or they will send statement?
ychwang
post Jan 5 2008, 01:40 AM

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Is it possible to own two card for same type? Own Visa Classic & Gold together. I accidentaly ask them to close my classic account, now I want to open back they say not allowed.
bluefries
post Jan 5 2008, 02:11 AM

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guys wana ask... let said u edi got credit card from maybank n citibank...if wana apply another credit card let said UOB... they need my pay slip again ah ?
charymsylyn
post Jan 5 2008, 03:27 AM

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QUOTE(guanteik @ Jan 4 2008, 07:14 AM)
Great... this is a definate answer for my question asked a few weeks ago...
*
Yes, if you have an Amex with 2X points, it's very easy to get something quite nice without spending so much money compared to other banks. rclxms.gif

If you pay your bills using M2U or buy prepaid top-up using Maybank ATM card above RM30, you will also collect 5 points for that transaction. icon_idea.gif
kindaichi
post Jan 5 2008, 06:48 AM

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QUOTE(bluefries @ Jan 5 2008, 02:11 AM)
guys wana ask... let said u edi got credit card from maybank n citibank...if wana apply another credit card let said UOB... they need my pay slip again ah ?
*
if u have own the card for more than 1 year, can use card to apply card, just need the photo copy of the card can liao....
SUSDavid83
post Jan 5 2008, 07:00 AM

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QUOTE(charymsylyn @ Jan 5 2008, 03:27 AM)
Yes, if you have an Amex with 2X points, it's very easy to get something quite nice without spending so much money compared to other banks. rclxms.gif

If you pay your bills using M2U or buy prepaid top-up using Maybank ATM card above RM30, you will also collect 5 points for that transaction. icon_idea.gif
*
Using this method will be very slow.
kindaichi
post Jan 5 2008, 07:56 AM

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I was suprised... my citibank agent who helped me applying the citibank credit card called me yesterday... he said my application is still under processing. that time when i called in to check the application, the hotline support told me that my application was rejected... i think she had made the mistake that she was referring to the application that i submitted in Aug... which i cancelled it before the outcome was out...

haha.. so still got chance for my citibank credit card application... hopefully it will be successful though it has been more than 1 & 1/2 mths for my application...

i heard ppl said for HSBC credit card, in the case of fraud, if u do not report earlier than the fraud, u die die will need to pay the fraud, is this true?
c.o.o.l
post Jan 5 2008, 09:39 AM

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I got rejected by citibank too.
Shinichi
post Jan 5 2008, 11:33 AM

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Hi all, want to ask will the bank charge me if I cancel their credit card?
SUSDavid83
post Jan 5 2008, 11:34 AM

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QUOTE(Shinichi @ Jan 5 2008, 11:33 AM)
Hi all, want to ask will the bank charge me if I cancel their credit card?
*
Usually they won't and they'll ask you clear all your outstanding.

Worst come to worst, you call the hotline by reporting a stolen or lost card case. tongue.gif
ychwang
post Jan 5 2008, 11:40 AM

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QUOTE(ychwang @ Jan 5 2008, 01:40 AM)
Is it possible to own two card for same type? Own Visa Classic & Gold together. I accidentaly ask them to close my classic account, now I want to open back they say not allowed.
*
Can someone answer my question?
myusername
post Jan 5 2008, 11:46 AM

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QUOTE(David83 @ Jan 5 2008, 11:34 AM)
Usually they won't and they'll ask you clear all your outstanding.

Worst come to worst, you call the hotline by reporting a stolen or lost card case. tongue.gif
*
That's right, pay up outstanding, and no they won't charge you. They also have a whole department called card retention that will call you and try to tempt you to stay with waivers and freebies thumbup.gif

Added on January 5, 2008, 11:49 am
QUOTE(ychwang @ Jan 5 2008, 11:40 AM)
Can someone answer my question?
*
I've never heard of such case, to own a classic and a gold for the same card in the same bank. Why would you want to do that? You could ask them to downgrade your card for lower annual fees.

This post has been edited by myusername: Jan 5 2008, 11:49 AM
SUSDavid83
post Jan 5 2008, 11:49 AM

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QUOTE(myusername @ Jan 5 2008, 11:46 AM)
That's right, pay up outstanding, and no they won't charge you. They also have a whole department called card retention that will call you and try to tempt you to stay with waivers and freebies  thumbup.gif
*
Oh really? If my card is lost/stolen, they'll do the above. Free replacement card plus the above will be amazing. rclxms.gif
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post Jan 5 2008, 11:58 AM

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hey, I heard RHB or Hong Leong bank credit cards are only 6.X% interest per annum? Why is it so much less compared to our usual 18% per annum?
ychwang
post Jan 5 2008, 11:59 AM

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QUOTE(myusername @ Jan 5 2008, 11:46 AM)
That's right, pay up outstanding, and no they won't charge you. They also have a whole department called card retention that will call you and try to tempt you to stay with waivers and freebies  thumbup.gif

Added on January 5, 2008, 11:49 am

I've never heard of such case, to own a classic and a gold for the same card in the same bank. Why would you want to do that? You could ask them to downgrade your card for lower annual fees.
*
nope, i want to keep both amex bcoz it got 2x points. Not bcoz of lower annual fees.
and i want to have two card because 1 for none my usage(house utilitis bill, shopping grocesseries & etc) and another one for my own usage.

This post has been edited by ychwang: Jan 5 2008, 11:59 AM
Shinichi
post Jan 5 2008, 12:09 PM

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QUOTE(David83 @ Jan 5 2008, 11:34 AM)
Usually they won't and they'll ask you clear all your outstanding.

Worst come to worst, you call the hotline by reporting a stolen or lost card case. tongue.gif
*
QUOTE(myusername @ Jan 5 2008, 11:46 AM)
That's right, pay up outstanding, and no they won't charge you. They also have a whole department called card retention that will call you and try to tempt you to stay with waivers and freebies  thumbup.gif

*
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
c.o.o.l
post Jan 5 2008, 02:26 PM

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How long you take to cancel the card? Did you need to bring any documents?
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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
*
good backup measure to back u up.


Shinichi
post Jan 5 2008, 05:56 PM

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QUOTE(c.o.o.l @ Jan 5 2008, 02:26 PM)
How long you take to cancel the card? Did you need to bring any documents?
*
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.

QUOTE(vin_ann @ Jan 5 2008, 05:40 PM)
good backup measure to back u up.
*
Better be safe than sorry. smile.gif
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
*
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...

DDSFan8
post Jan 5 2008, 07:47 PM

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For citibank, just call them up and they cancel via phone.
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post Jan 5 2008, 08:36 PM

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QUOTE(vin_ann @ Jan 5 2008, 07:21 PM)
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...
*
Hmmm I not sure, but I feel its better I pass them the card and let them cut the card in front of me tongue.gif
josephtan83
post Jan 6 2008, 02:00 AM

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QUOTE(vin_ann @ Jan 3 2008, 11:18 PM)
aiyo... another 1....

just walks into any CIMB bank lol... fills in the form... and bring all documents....
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Hi sorry man, because i'm working in singapore and only gotta come back m'sia during public holidays/weekends, where banks are close...
Aeon_Clock
post Jan 6 2008, 03:19 AM

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what cards give points when you use them at petrol stations? I only know Citibank's Shell card and RHB. Anything else?
SUSDavid83
post Jan 6 2008, 09:11 AM

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QUOTE(Aeon_Clock @ Jan 6 2008, 03:19 AM)
what cards give points when you use them at petrol stations? I only know Citibank's Shell card and RHB. Anything else?
*
All AMEX cards. MBB AMEX offers double Treatpoints.

This post has been edited by David83: Jan 6 2008, 09:12 AM
o0range
post Jan 6 2008, 01:27 PM

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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.
victorboy
post Jan 6 2008, 01:30 PM

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QUOTE(David83 @ Jan 5 2008, 11:34 AM)
Usually they won't and they'll ask you clear all your outstanding.

Worst come to worst, you call the hotline by reporting a stolen or lost card case. tongue.gif
*
nice trick... will this applied to all CC or not??!! brows.gif

eh, my credit limit for UOB only 3k, COMBINED!!! jilakat... doh.gif
SUSDavid83
post Jan 6 2008, 02:25 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.
*
Why not submit an online application and mail/fax them your supporting documents?
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.
*
QUOTE(David83 @ Jan 6 2008, 02:25 PM)
Why not submit an online application and mail/fax them your supporting documents?
*
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
DDSFan8
post Jan 6 2008, 06:29 PM

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If you think Citibank sucks, think again
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?
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post Jan 6 2008, 07:07 PM

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naper smua orang cina yg menang?
mana pi olang melayu?
CT Bank nih bias lahhhhhhhhhhhhh
arsenal
post Jan 6 2008, 08:59 PM

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QUOTE(MNet @ Jan 6 2008, 07:07 PM)
naper smua orang cina yg menang?
mana pi olang melayu?
CT Bank nih bias lahhhhhhhhhhhhh
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yo bro chilll....maybe malays prefer to go for cimb or maybank....citibank and hsbc predominantly chinese... icon_rolleyes.gif icon_rolleyes.gif
Aeon_Clock
post Jan 6 2008, 09:25 PM

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QUOTE(DDSFan8 @ Jan 6 2008, 06:29 PM)
If you think Citibank sucks, think again
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by god...10 years free petrol! rclxms.gif
congrats to that guy man...
DDSFan8
post Jan 6 2008, 10:17 PM

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no la, I wish.
ychwang
post Jan 6 2008, 10:32 PM

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wow, 10years worth of free petrol, Johnson Khoo doesnt affect on this comming petrol increase at all.
Aeon_Clock
post Jan 7 2008, 12:26 AM

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is anyone here happy with Maybank Credit Cards? I'm not...I find other cards better...RHB, HSBC, Citibank...in fact, I just applied for RHB card today.
guanteik
post Jan 7 2008, 07:19 AM

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QUOTE(Aeon_Clock @ Jan 7 2008, 12:26 AM)
is anyone here happy with Maybank Credit Cards? I'm not...I find other cards better...RHB, HSBC, Citibank...in fact, I just applied for RHB card today.
*
what is the reason behind?
SUSDavid83
post Jan 7 2008, 07:43 AM

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I'm using MBB Visa. Still satisfied with it. In fact, I'm applying for MBB AMEX too.

Aeon_Clock, what factors irritated you?
donpapachino
post Jan 7 2008, 07:46 AM

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im also using mbb cc. quite satisfied wif it. n it is 1 of the recognisable banks name when trying to purchase all those stuffs which can do 0% interest instalment plans.

now applying for affin cc to do 0% balance transfer for 12 months so can purchase more.
WaCKy-Angel
post Jan 7 2008, 09:10 AM

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QUOTE(David83 @ Jan 7 2008, 07:43 AM)
I'm using MBB Visa. Still satisfied with it. In fact, I'm applying for MBB AMEX too.

Aeon_Clock, what factors irritated you?
*
Can have 2 Visa meh?
Convert u mean?
SUSDavid83
post Jan 7 2008, 09:27 AM

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QUOTE(WaCKy-Angel @ Jan 7 2008, 09:10 AM)
Can have 2 Visa meh?
Convert u mean?
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Did I say that I got two Visa from MBB? Did I say that I'm doing any conversion?

Currently I got MBB Visa and I'm applying MBB AMEX.
l3iTi
post Jan 7 2008, 10:29 AM

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QUOTE(vin_ann @ Jan 6 2008, 04:10 PM)
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...
yup..can apply online for CitiBank... here's the link CitiBank Click to apply...

I tried it b4...they will phone you to verify the application, then they will send you the application form via email. Then you need to reply it together with you 3 mths latest Salary Slip, Photostate IC --> 150% enlarged
I guess that's all...

Then i checked my application via Telephone --> Your application failed rclxub.gif doh.gif

Not approved for the CC, haihz...
WaCKy-Angel
post Jan 7 2008, 10:33 AM

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QUOTE(David83 @ Jan 7 2008, 09:27 AM)
Did I say that I got two Visa from MBB? Did I say that I'm doing any conversion?

Currently I got MBB Visa and I'm applying MBB AMEX.
*
doh.gif doh.gif doh.gif doh.gif doh.gif doh.gif

U have 1 visa and u apply another visa doesnt that makes u having 2 visa (if approved) from MBB ??
Aeon_Clock
post Jan 7 2008, 10:43 AM

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QUOTE(guanteik @ Jan 7 2008, 07:19 AM)
what is the reason behind?
*
QUOTE(David83 @ Jan 7 2008, 07:43 AM)
Aeon_Clock, what factors irritated you?
*
well, I wouldn't really call it irritating...but I just feel that the options for redemption points are really useless to me. Yeah I don't spend much so I have less points to use. But I see other cards have 'nicer' things to redeem. And their cards are those free-for-life kind...

QUOTE(WaCKy-Angel @ Jan 7 2008, 09:10 AM)
Can have 2 Visa meh?
Convert u mean?
*
can't you have 2 Visas? I'm going to have an extra Mastercard soon (temp onli) and I'm pretty sure lots of people out there have more than one Master or Visa...
SUSDavid83
post Jan 7 2008, 10:47 AM

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QUOTE(WaCKy-Angel @ Jan 7 2008, 10:33 AM)
doh.gif  doh.gif  doh.gif  doh.gif  doh.gif  doh.gif

U have 1 visa and u apply another visa doesnt that makes u having 2 visa (if approved) from MBB ??
*
How come you said that I'm applying another Visa? AMEX is Visa too?
shiniraz
post Jan 7 2008, 11:04 AM

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Just apply for the CIMB Credit Card... then have to wiat untill 2 weeks before CIMB call me back.. hehe.. biggrin.gif
Anyway david, did you get your direct access card yet ? smile.gif

I think the current CIMB CC promotion is quit good. No conditions(eg minimum spending, minimum swipe). no annual fees.. no ... no what more ek? heheh.. hope there is no hidden cost hmm.gif
SUSDavid83
post Jan 7 2008, 11:06 AM

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QUOTE(shiniraz @ Jan 7 2008, 11:04 AM)
Just apply for the CIMB Credit Card... then have to wiat untill 2 weeks before CIMB call me back.. hehe.. biggrin.gif
Anyway david, did you get your direct access card yet ?  smile.gif

I think the current CIMB CC promotion is quit good. No conditions(eg minimum spending, minimum swipe). no annual fees.. no ... no what more ek? heheh.. hope there is no hidden cost  hmm.gif
*
Not yet. Still no calls from them as well.
popopi
post Jan 7 2008, 11:14 AM

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CIMB CC good. hidden cost till now still no kena yet... but no special offer lor .... Good for CIMB but a little bit too NORMAL...

Added on January 7, 2008, 11:15 amAlso i Planning to get UOB CC... hope UOB also no hidden cost lor.. haha...

This post has been edited by popopi: Jan 7 2008, 11:15 AM
Aeon_Clock
post Jan 7 2008, 11:19 AM

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CIMB no annual fee or conditions to meet? But is their cards good?
SUSDavid83
post Jan 7 2008, 11:20 AM

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QUOTE(Aeon_Clock @ Jan 7 2008, 11:19 AM)
CIMB no annual fee or conditions to meet? But is their cards good?
*
CIMB DA - no annual fee without any condition
CMIB Mastercard Paypass - no annual fee without any condition
shiniraz
post Jan 7 2008, 11:26 AM

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QUOTE(David83 @ Jan 7 2008, 11:20 AM)
CIMB DA - no annual fee without any condition
CMIB Mastercard Paypass - no annual fee without any condition
*
Ok.. crystal clear now. Thanks david flex.gif
p/s: Typo there david.. CIMB not CMIB .. hehe tongue.gif just a minor typo
ychwang
post Jan 7 2008, 01:17 PM

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QUOTE(WaCKy-Angel @ Jan 7 2008, 10:33 AM)
doh.gif  doh.gif  doh.gif  doh.gif  doh.gif  doh.gif

U have 1 visa and u apply another visa doesnt that makes u having 2 visa (if approved) from MBB ??
*
not only 2visa, u can have 2amex as well.

This post has been edited by ychwang: Jan 8 2008, 12:15 AM
cute_boboi
post Jan 7 2008, 01:52 PM

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QUOTE(Aeon_Clock @ Jan 7 2008, 12:26 AM)
is anyone here happy with Maybank Credit Cards? I'm not...I find other cards better...RHB, HSBC, Citibank...in fact, I just applied for RHB card today.
*
I'm one of a happy MBB CC fan. smile.gif Nothing personal, purely on MBB CC only and not their Cust. Serv, but I just feel the card, points and the places I spent, gives me good treatpoints. Also, the range of gifts are above average. Not that bad.
WaCKy-Angel
post Jan 7 2008, 02:12 PM

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QUOTE(David83 @ Jan 7 2008, 10:47 AM)
How come you said that I'm applying another Visa? AMEX is Visa too?
*
Hmm seems that i saw wrongly lolz

QUOTE(ychwang @ Jan 7 2008, 01:17 PM)
not only 2visa, u can have 2amex as well.
*
Classic and Flex canot together ler
guanteik
post Jan 7 2008, 02:28 PM

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QUOTE(David83 @ Jan 7 2008, 09:27 AM)
Did I say that I got two Visa from MBB? Did I say that I'm doing any conversion?

Currently I got MBB Visa and I'm applying MBB AMEX.
*
what makes you interested in applying MBB AMEX since you have already a VISA?
SUSDavid83
post Jan 7 2008, 02:59 PM

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QUOTE(guanteik @ Jan 7 2008, 02:28 PM)
what makes you interested in applying MBB AMEX since you have already a VISA?
*
For MBB, AMEX offers double TP and there's points collection for petrol transaction. A good deal since my MBB Visa is my primary CC.
guanteik
post Jan 7 2008, 04:13 PM

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QUOTE(David83 @ Jan 7 2008, 02:59 PM)
For MBB, AMEX offers double TP and there's points collection for petrol transaction. A good deal since my MBB Visa is my primary CC.
*
last time i thought like you do... the 2XTP. BTW, imagine you apply for AMEX, u need to pay for the annual fee of RM60... if your TP from AMEX & VISA does not have enough for annual waiver, it's no difference with or without the AMEX.
Aeon_Clock
post Jan 7 2008, 04:30 PM

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yes, double or not...the annual fee for Amex kinda kills the benefits of the points. Btw, isn't the annual fee for Amex higher than RM60? According to their website...its minimum RM140 per year. http://www.maybank2u.com.my/site_functions...l?amexcharge#a2

and question 4 says Amex has no free waiver...

This post has been edited by Aeon_Clock: Jan 7 2008, 04:32 PM
guanteik
post Jan 7 2008, 04:43 PM

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QUOTE(Aeon_Clock @ Jan 7 2008, 04:30 PM)
yes, double or not...the annual fee for Amex kinda kills the benefits of the points. Btw, isn't the annual fee for Amex higher than RM60? According to their website...its minimum RM140 per year. http://www.maybank2u.com.my/site_functions...l?amexcharge#a2

and question 4 says Amex has no free waiver...
*
David83 is talking about MBB AMEX...
WaCKy-Angel
post Jan 7 2008, 04:47 PM

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QUOTE(Aeon_Clock @ Jan 7 2008, 04:30 PM)
yes, double or not...the annual fee for Amex kinda kills the benefits of the points. Btw, isn't the annual fee for Amex higher than RM60? According to their website...its minimum RM140 per year. http://www.maybank2u.com.my/site_functions...l?amexcharge#a2

and question 4 says Amex has no free waiver...
*
QUOTE(guanteik @ Jan 7 2008, 04:43 PM)
David83 is talking about MBB AMEX...
*
http://www.maybank2u.com.my/consumer/onlin...html#annualfees
ronnie
post Jan 7 2008, 05:13 PM

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What is the income requirement for UOB One Platinum ?
Is it free for life ?
SUSDavid83
post Jan 7 2008, 05:44 PM

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I'm apply MBB AMEX credit card and not charge card. The bank staff told me that it's free for first two years.

The annual fee is RM 60 per card and RM 90 for multiple cards.
donpapachino
post Jan 7 2008, 06:47 PM

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i also have mbb amex, but never use. they give me the card n told me it was free for 3 years. dont know how true it is. was thinking of cancelling it anytime soon, since i dont use up treatspoint anyways.
Aeon_Clock
post Jan 7 2008, 07:42 PM

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QUOTE(guanteik @ Jan 7 2008, 04:43 PM)
David83 is talking about MBB AMEX...
*
eh...then what's that RM140 charge for?
guanteik
post Jan 7 2008, 07:59 PM

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QUOTE(Aeon_Clock @ Jan 7 2008, 07:42 PM)
eh...then what's that RM140 charge for?
*
it's for AMEX charge card, not MBB AMEX.
ychwang
post Jan 7 2008, 08:25 PM

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--remove--

This post has been edited by ychwang: Jan 8 2008, 12:10 AM
Shinichi
post Jan 7 2008, 09:02 PM

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QUOTE(shiniraz @ Jan 7 2008, 11:04 AM)
Just apply for the CIMB Credit Card... then have to wiat untill 2 weeks before CIMB call me back.. hehe.. biggrin.gif
Anyway david, did you get your direct access card yet ?  smile.gif

I think the current CIMB CC promotion is quit good. No conditions(eg minimum spending, minimum swipe). no annual fees.. no ... no what more ek? heheh.. hope there is no hidden cost  hmm.gif
*
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.
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.
*
no wonder until now im still not yet get my direct access...
c.o.o.l
post Jan 7 2008, 10:33 PM

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QUOTE(ronnie @ Jan 7 2008, 05:13 PM)
What is the income requirement for UOB One Platinum ?
Is it free for life ?
*
I think is RM1500 per month.
You will get 2 cards which is UOB One card and UOB Vox Card.
You need to swipe minimum 6 times per card to get annual fee waive.
Shinichi
post Jan 7 2008, 10:37 PM

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QUOTE(vin_ann @ Jan 7 2008, 09:18 PM)
no wonder until now im still not yet get my direct access...
*
Maybe you can call the bank and ask them again?
Or resubmit the form?

QUOTE(c.o.o.l @ Jan 7 2008, 10:33 PM)
I think is RM1500 per month.
You will get 2 cards which is UOB One card and UOB Vox Card.
You need to swipe minimum 6 times per card to get annual fee waive.
*
I think he was asking about Platinum card, not those normal card. And usually Platinum card requires monthly salary more than 5k (dependent on bank). Please correct me if I'm wrong...
DDSFan8
post Jan 7 2008, 11:30 PM

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well citibank card apparently rocks in balance transfer.

I did one today and they only charge me processing fee of RM30.

Best thing is, no monthly payment, you can pay as much as you want but to enjoy the rate, you must settle it within 1-year
SUSDavid83
post Jan 8 2008, 06:39 AM

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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.
*
QUOTE(vin_ann @ Jan 7 2008, 09:18 PM)
no wonder until now im still not yet get my direct access...
*
How you give them your banking details to them? There's no place in the form to fill in these particulars. I got two CIMB accounts - one is SA and the other BSA. I'm planning to close the SA.
Shinichi
post Jan 8 2008, 07:59 AM

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QUOTE(David83 @ Jan 8 2008, 06:39 AM)
How you give them your banking details to them? There's no place in the form to fill in these particulars. I got two CIMB accounts - one is SA and the other BSA. I'm planning to close the SA.
*
I think they can check whether you have an account with them through your personal details such as IC number?

Anyway that was my guess on why I'm able to get my cards 1 week after I submitted the form. I not sure if there's any other reason behind this.
l3iTi
post Jan 8 2008, 08:12 AM

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You send the CIMB DA application through mail or directly pass to the CIMB Branch??
nghj
post Jan 8 2008, 08:38 AM

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QUOTE(l3iTi @ Jan 8 2008, 08:12 AM)
You send the CIMB DA application through mail or directly pass to the CIMB Branch??
*
i passed mine directly to the branch. jz took a few weeks then i got my cards in the mail nod.gif
SUSDavid83
post Jan 8 2008, 08:42 AM

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QUOTE(Shinichi @ Jan 8 2008, 07:59 AM)
I think they can check whether you have an account with them through your personal details such as IC number?

Anyway that was my guess on why I'm able to get my cards 1 week after I submitted the form. I not sure if there's any other reason behind this.
*
Did they call you for any verification?
WaCKy-Angel
post Jan 8 2008, 03:12 PM

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Uh my colleague said KFC is not accepting Paypass enable credit card already
SUSDavid83
post Jan 8 2008, 03:22 PM

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QUOTE(WaCKy-Angel @ Jan 8 2008, 03:12 PM)
Uh my colleague said KFC is not accepting Paypass enable credit card already
*
Any particular reason? I thought they displayed the Paypass terminal at the counter. Decoration purpose?

By the way, I called CIMB DA customer service today, they said that they received and approved my application without giving me a call to verifiy my details. They also said that they're going to mail the card by today.
WaCKy-Angel
post Jan 8 2008, 05:54 PM

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QUOTE(David83 @ Jan 8 2008, 03:22 PM)
Any particular reason? I thought they displayed the Paypass terminal at the counter. Decoration purpose?

By the way, I called CIMB DA customer service today, they said that they received and approved my application without giving me a call to verifiy my details. They also said that they're going to mail the card by today.
*
OMG something wrong with me...

I wanted to put now instead it shows up not
myusername
post Jan 8 2008, 06:06 PM

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QUOTE(WaCKy-Angel @ Jan 8 2008, 05:54 PM)
OMG something wrong with me...

I wanted to put now instead it shows up not
*
Lol totally oppposite meaning!
Aeon_Clock
post Jan 8 2008, 07:18 PM

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QUOTE(David83 @ Jan 8 2008, 03:22 PM)
Any particular reason? I thought they displayed the Paypass terminal at the counter. Decoration purpose?

By the way, I called CIMB DA customer service today, they said that they received and approved my application without giving me a call to verifiy my details. They also said that they're going to mail the card by today.
*
nice to hear that smile.gif

paypass thing...was it spoilt or all KFC outlets dun accept ady? Visa wave leh?

This post has been edited by Aeon_Clock: Jan 8 2008, 07:19 PM
SUSDavid83
post Jan 8 2008, 07:25 PM

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QUOTE(Aeon_Clock @ Jan 8 2008, 07:18 PM)
nice to hear that smile.gif

paypass thing...was it spoilt or all KFC outlets dun accept ady? Visa wave leh?
*
I think there's a typo. WaCKy-Angel wanted to say that:

Uh my colleague said KFC is now accepting Paypass enable credit card already
Aeon_Clock
post Jan 8 2008, 08:23 PM

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ohhh...Visa Wave leh?
SUSDavid83
post Jan 8 2008, 08:26 PM

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QUOTE(Aeon_Clock @ Jan 8 2008, 08:23 PM)
ohhh...Visa Wave leh?
*
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

This post has been edited by David83: Jan 8 2008, 08:27 PM
apisgogo
post Jan 8 2008, 08:49 PM

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hi good people,

i have PB visa Classic.. I already submitted an official letter (with my salary slip) to increase my credit limit. Can someone enlighten me the process? is it gonna go all over again like new applications? and how long they would take to accept or reject my request?

thanks smile.gif
guanteik
post Jan 8 2008, 09:49 PM

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QUOTE(apisgogo @ Jan 8 2008, 08:49 PM)
hi good people,

i have PB visa Classic.. I already submitted an official letter (with my salary slip) to increase my credit limit. Can someone enlighten me the process? is it gonna go all over again like new applications? and how long they would take to accept or reject my request?

thanks smile.gif
*
Submit the credit increase application form with your slips, and just wait for their answer. Don't need to go through application like first how you did. Normally 1-2 weeks after they received your application they will inform you whether your account/limit is subjected to increase or rejected.
SUSDavid83
post Jan 8 2008, 09:53 PM

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QUOTE(guanteik @ Jan 8 2008, 09:49 PM)
Submit the credit increase application form with your slips, and just wait for their answer. Don't need to go through application like first how you did. Normally 1-2 weeks after they received your application they will inform you whether your account/limit is subjected to increase or rejected.
*
Yes ... my credit limit application on HSBC was quite fast upon submitting the neccessary documents.
apisgogo
post Jan 8 2008, 10:19 PM

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thanks people. smile.gif

one thing, im intend to get another cc from different banks and they required to photocopy current cc (both side) for the application. is it safe to do this? how about people can just use our cc with cc no. on the front and cvc no at the back.
SUSDavid83
post Jan 8 2008, 10:20 PM

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QUOTE(apisgogo @ Jan 8 2008, 10:19 PM)
thanks people. smile.gif

one thing, im intend to get another cc from different banks and they required to photocopy current cc (both side) for the application. is it safe to do this? how about people can just use our cc with cc no. on the front and cvc no at the back.
*
You use something to cover your CVC number?

Or after photocopy, use marker to erase that portion. I always do that ...

Shinichi
post Jan 8 2008, 10:34 PM

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QUOTE(l3iTi @ Jan 8 2008, 08:12 AM)
You send the CIMB DA application through mail or directly pass to the CIMB Branch??
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I directly pass it to branch.

QUOTE(David83 @ Jan 8 2008, 08:42 AM)
Did they call you for any verification?
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Nop, I never get any call from them.
apisgogo
post Jan 8 2008, 10:34 PM

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QUOTE(David83 @ Jan 8 2008, 10:20 PM)
You use something to cover your CVC number?

Or after photocopy, use marker to erase that portion. I always do that ...
*
if i use this method, would my new (other bank's cc) application wouldn't have any problems?

thanks.
SUSDavid83
post Jan 8 2008, 10:35 PM

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QUOTE(Shinichi @ Jan 8 2008, 10:34 PM)
I directly pass it to branch.
Nop, I never get any call from them.
*
So strange, I'm wondering why they didn't call for some verification. I thought usually banks will do that. hmm.gif

QUOTE(apisgogo @ Jan 8 2008, 10:34 PM)
if i use this method, would my new (other bank's cc) application wouldn't have any problems?

thanks.
*
I don't see that will create a problem. If I remembered correctly, I used the above method to apply my current MBB Visa and upcoming CIMB DA Mastercard.

This post has been edited by David83: Jan 8 2008, 10:36 PM
Shinichi
post Jan 8 2008, 10:37 PM

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QUOTE(David83 @ Jan 8 2008, 10:35 PM)
So strange, I'm wondering why they didn't call for some verification. I thought usually banks will do that. hmm.gif
I don't see that will create a problem. If I remembered correctly, I used the above method to apply my current MBB Visa and upcoming CIMB DA Mastercard.
*
I was wondering the same too... Probably they know us have CIMB account tongue.gif
SUSDavid83
post Jan 8 2008, 10:40 PM

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QUOTE(Shinichi @ Jan 8 2008, 10:37 PM)
I was wondering the same too... Probably they know us have CIMB account tongue.gif
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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.
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
*
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.
*
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...
SUSDavid83
post Jan 9 2008, 05:56 AM

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QUOTE(vin_ann @ Jan 9 2008, 12:01 AM)
yeah...saw some branch of KFC is getting ready with PayPass..... it's so timely we getting the CIMB DA....  biggrin.gif
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...
*
Maiden's name is very important name nowadays. Most of the banks are having this question as security purpose.
Aeon_Clock
post Jan 9 2008, 09:52 AM

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hey, I have a question...regarding those 0% installment feature we get from credit cards. Who gives the installment feature actually? The card or the outlet you purchase from? I called up Maybank the other day and they say it is totally dependent on the shop itself. If that's the case...why Maybank put 0% EzyPay in their ad? rclxub.gif

and it sounds like you can get 0% installment from any other cards....as long as the shop allows it.
WaCKy-Angel
post Jan 9 2008, 12:37 PM

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QUOTE(Aeon_Clock @ Jan 9 2008, 09:52 AM)
hey, I have a question...regarding those 0% installment feature we get from credit cards. Who gives the installment feature actually? The card or the outlet you purchase from? I called up Maybank the other day and they say it is totally dependent on the shop itself. If that's the case...why Maybank put 0% EzyPay in their ad? rclxub.gif

and it sounds like you can get 0% installment from any other cards....as long as the shop allows it.
*
doh.gif doh.gif doh.gif doh.gif doh.gif

U can only get 0% Installment if that shop is using terminal same with your card issuer.

Means if u use Maybankard, the shop must have Maybank terminal else cant get 0% Installement unless that shop themself have their own installment plan not associated with bank/credit card.

That is why shops like SenHeng or HSL have atleast 6 terminals from different bank
SUSDavid83
post Jan 9 2008, 08:41 PM

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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.
Shinichi
post Jan 9 2008, 09:05 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.
*
Maybe you can wait them to call you and activate your cards for you? tongue.gif

For my case, 1 day after I got my card, they called me and asked me few questions before activate both of my cards smile.gif
whoopa
post Jan 9 2008, 09:22 PM

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whats with this cimb DA ...?? good card ah ??
SUSDavid83
post Jan 9 2008, 09:37 PM

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QUOTE(whoopa @ Jan 9 2008, 09:22 PM)
whats with this cimb DA ...?? good card ah ??
*
CIMB Direct Access Gold/Platinum Credit Card. Used to be under SBB.

http://www.directaccess.com.my/index.php?c...ard&ac=7&tpt=da
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.
*
wah.......so fast...
im still waiting... whistling.gif

btw, urs is gold card right?


SUSDavid83
post Jan 9 2008, 09:52 PM

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QUOTE(Shinichi @ Jan 9 2008, 09:05 PM)
Maybe you can wait them to call you and activate your cards for you? tongue.gif

For my case, 1 day after I got my card, they called me and asked me few questions before activate both of my cards smile.gif
*
Too bad that I have give them a call.

QUOTE(vin_ann @ Jan 9 2008, 09:50 PM)
wah.......so fast...
im still waiting...  whistling.gif

btw, urs is gold card right?
*
CIMB DA doesn't have classic/silver. What else will I give then? Definitely won't be Platinum.
whoopa
post Jan 9 2008, 09:59 PM

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this cimb da not very high requirement only .. why u all like this card ah
SUSDavid83
post Jan 9 2008, 10:00 PM

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QUOTE(whoopa @ Jan 9 2008, 09:59 PM)
this cimb da not very high requirement only .. why u all like this card ah
*
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.
Shinichi
post Jan 9 2008, 10:02 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.
*
I second this tongue.gif
SUSDavid83
post Jan 9 2008, 10:02 PM

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QUOTE(Shinichi @ Jan 9 2008, 10:02 PM)
I second this tongue.gif
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Shinichi, are you applying for Mastercard? If yes, do you have anything about Virtual Mastercard?
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.
*
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?
*
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?
SUSDavid83
post Jan 9 2008, 10:17 PM

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QUOTE(vin_ann @ Jan 9 2008, 10:11 PM)
yups... agreed.
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?
*
That's why I'm asking. The form that I submitted doesn't have portion on Virtual Mastercard.

By the way, I asked about the free gift. They said that I need to charge my card once in order to get that one week later.
soitsuagain
post Jan 9 2008, 11:39 PM

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QUOTE(Aeon_Clock @ Jan 9 2008, 09:52 AM)
hey, I have a question...regarding those 0% installment feature we get from credit cards. Who gives the installment feature actually? The card or the outlet you purchase from? I called up Maybank the other day and they say it is totally dependent on the shop itself. If that's the case...why Maybank put 0% EzyPay in their ad? rclxub.gif

and it sounds like you can get 0% installment from any other cards....as long as the shop allows it.
*
Its based on the merchant. How long is the installment will be decided the moment you make the purchase.

QUOTE(WaCKy-Angel @ Jan 9 2008, 12:37 PM)
doh.gif  doh.gif  doh.gif  doh.gif  doh.gif

U can only get 0% Installment if that shop is using terminal same with your card issuer.

Means if u use Maybankard, the shop must have Maybank terminal else cant get 0% Installement unless that shop themself have their own installment plan not associated with bank/credit card.

That is why shops like SenHeng or HSL have atleast 6 terminals from different bank
*
I'll say in terms of the 0% Installment, theres Maybank & Citibank everywhere...but Maybank wins overall in term of flexibility. They have 6, 12, 18 & 24 months. It definitely pays to have a higher credit limit with Maybank. Things that I really need and can pay up fast, I will use my Citibank. Things that I feel would best suit me if I drag the payment as long as possible will be my Maybank card. Like my Cali Fitness fees. I charge it 24 months. laugh.gif At least I won't forget that I am a Cali Fitness member anytime soon. wink.gif
Aeon_Clock
post Jan 9 2008, 11:40 PM

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QUOTE(WaCKy-Angel @ Jan 9 2008, 12:37 PM)
doh.gif  doh.gif  doh.gif  doh.gif  doh.gif

U can only get 0% Installment if that shop is using terminal same with your card issuer.

Means if u use Maybankard, the shop must have Maybank terminal else cant get 0% Installement unless that shop themself have their own installment plan not associated with bank/credit card.

That is why shops like SenHeng or HSL have atleast 6 terminals from different bank
*
oh...ic
never use before ma...why the doh.gif doh.gif doh.gif doh.gif doh.gif
I have no need for expensive stuffs

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.
*
waa...how many cards do you have sweat.gif
IMAX
post Jan 10 2008, 12:05 AM

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hi, wat are the disadvantages of UOB One card & UOB Vox card?

1.) Need to pay RM388.00 annual fee???
2.) Heard got ppl said they will issue both Visa & Mastercard and we need to use both??? If wanna waive annual fee, then have to use 6 times for Visa & 6 times for Master, is it true?
3.) Collect points and redeem stuffs like Citibank?
4.) UOB Dining Privileges are applied to One and Vox?
SUSDavid83
post Jan 10 2008, 06:55 AM

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QUOTE(Aeon_Clock @ Jan 9 2008, 11:40 PM)
waa...how many cards do you have sweat.gif
*
Don't worry. I'm planning to cancel both HSBC CC.
Shinichi
post Jan 10 2008, 08:04 AM

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QUOTE(David83 @ Jan 9 2008, 10:02 PM)
Shinichi, are you applying for Mastercard? If yes, do you have anything about Virtual Mastercard?
*
Hi, I applied for both Visa and Mastercard, but not Virtual Mastercard. But when I got my cards, there's an application form for Virtual Mastercard inside.

QUOTE(David83 @ Jan 9 2008, 10:17 PM)
That's why I'm asking. The form that I submitted doesn't have portion on Virtual Mastercard.

By the way, I asked about the free gift. They said that I need to charge my card once in order to get that one week later.
*
I think I read somewhere before that Virtual Mastercard has a fee, but I not sure how much isit and whether its monthly fee or annual fee.

As for my free gift, I still haven't get it. sad.gif
I've charge the card within 1 month after I got it but till now not yet get my gift and Dec07 statement yet...
SUSDavid83
post Jan 10 2008, 08:10 AM

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I didn't receive any form for Virtual Mastercard. There's a fee for it! WTH!
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...
hye
post Jan 10 2008, 09:41 AM

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CIMB DA will soon implement a new online system which you could use their credit cards without needing the Virtual Account. If I'm not mistaken this means they will implement Mastercard Secure and VISA 3D. (A strong guess)

I got this in my mailer 2 months ago - those wanting to do online transactions if you can delay applying for the Virtual Card (Which cost money), just need to wait a while longer.
SUSDavid83
post Jan 10 2008, 09:45 AM

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QUOTE(vin_ann @ Jan 10 2008, 08:29 AM)
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...
*
I also received a Sorry note from Poslaju. I have to pick my card from Pos Laju at Victoria Street yesterday after work.
myusername
post Jan 10 2008, 12:31 PM

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QUOTE(hye @ Jan 10 2008, 09:41 AM)
CIMB DA will soon implement a new online system which you could use their credit cards without needing the Virtual Account. If I'm not mistaken this means they will implement Mastercard Secure and VISA 3D. (A strong guess)

I got this in my mailer 2 months ago - those wanting to do online transactions if you can delay applying for the Virtual Card (Which cost money), just need to wait a while longer.
*
Why do you need to apply virtual account? Can't you use CIMB DA online anyway? I thought all mastercards and visa cards can be used online?
pangping1510
post Jan 10 2008, 12:58 PM

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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!
SUSDavid83
post Jan 10 2008, 01:15 PM

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QUOTE(myusername @ Jan 10 2008, 12:31 PM)
Why do you need to apply virtual account? Can't you use CIMB DA online anyway? I thought all mastercards and visa cards can be used online?
*
For security purpose. To isolate between online and non-online purchases. Generally, Virtual Mastercard is meant to have a lower credit limit and for the use of online transactions.
hye
post Jan 10 2008, 01:29 PM

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QUOTE(David83 @ Jan 10 2008, 01:15 PM)
For security purpose. To isolate between online and non-online purchases. Generally, Virtual Mastercard is meant to have a lower credit limit and for the use of online transactions.
*
Yes ... that's correct. Plus, CIMB DA (Enrich also if I remember it correctly) is the only card in the market that you can't use to perform any transactions online unless you have a virtual card. Exception to the Enrich card which enables you to buy tickets from MAS website.

If you ask me, it's a bit of a letdown as all other cards in the market allows you to perform online transactions.
SUSDavid83
post Jan 10 2008, 01:38 PM

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CIMB CC has been employing Verified by Visa and Mastercard Securecode starting on 1st January 2008. I guess DA will be following the same step soon.
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!
*
in this case, u shd consider which bank is the most convenience for you to pay ur CC...
nowadays, all CC got online banking...
mengfui
post Jan 10 2008, 03:55 PM

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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.
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.
*
let's wait and see lol...
SUSDavid83
post Jan 10 2008, 08:51 PM

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So now, can CIMB DA be used for Internet transaction without Virtual Mastercard?

Thank you.
soitsuagain
post Jan 10 2008, 09:32 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!
*
1. You can, as long as you have one month payslip above RM1500. You need to work for that company min 2 months so that when the bank did a verification check, you are still around.

2. All cards in have online banking.
Shinichi
post Jan 10 2008, 09:42 PM

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QUOTE(David83 @ Jan 10 2008, 08:10 AM)
I didn't receive any form for Virtual Mastercard. There's a fee for it! WTH!
*
I think so. Cant really recall how much is the fee.

QUOTE(vin_ann @ Jan 10 2008, 08:29 AM)
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...
*
Better go get yours soon. You sure dont want those post office ppl to open your package and use your card tongue.gif
SUSDavid83
post Jan 10 2008, 09:50 PM

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QUOTE(Shinichi @ Jan 10 2008, 09:42 PM)
Better go get yours soon. You sure dont want those post office ppl to open your package and use your card tongue.gif
*
Don't worry. The card has been blocked and needs activation.
Shinichi
post Jan 10 2008, 09:54 PM

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QUOTE(David83 @ Jan 10 2008, 09:50 PM)
Don't worry. The card has been blocked and needs activation.
*
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.
SUSDavid83
post Jan 10 2008, 09:55 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.
*
Any particular reason?
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.
*
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....
SUSDavid83
post Jan 10 2008, 10:21 PM

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QUOTE(vin_ann @ Jan 10 2008, 10:19 PM)
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....
*
MBB and CIMB also got.

Visa ---> Verified by Visa
Mastercard ---> Mastercard Securecode
Shinichi
post Jan 10 2008, 10:49 PM

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QUOTE(David83 @ Jan 10 2008, 09:55 PM)
Any particular reason?
*
Been using Visa Electron for Paypal long before I got my CC. Still feel better to use debit card for online transaction compared to credit card.
askar_lcy
post Jan 11 2008, 12:44 AM

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QUOTE(sancakAhNgau @ Dec 22 2007, 09:48 PM)
A few months ago, i lost my credit card and it was fraudently used by 3rd party amounted to RM3.5K.
These cilaka used my card to buy beer at Carrefour. But i wasn't aware i lost it until the bank called me to confirm the transaction
which i denied on the spot. The bank put my case as a lost card so i need to bear the cost but somehow they gave me 60% discount on that figure.
And until now i have already paid RM 1K to settle the disputed amount.
Anyway i hope to put this incident past behind me as i have moved but today this news came up , haiya....
Anybody out there got the same experience??? I still owe the bank abt RM400 on the disputed amount, should i use this acticle and dispute again?


Saturday December 22, 2007
Most unaware of RM250 limited liability

CARDHOLDERS need not pay more than RM250 whenever their lost or stolen credit cards are used by others. Yet, oftentimes, they end up paying much more.

This is because Bank Negara has not informed cardholders that they do not have to pay more than RM250 for fraudulent transactions carried out using their lost or stolen cards, when they had not acted fraudulently and had informed the banks about the lost or stolen cards as soon as possible.

This protection is given under Clause 13.2 of Bank Negara's Credit Card Guideline ("The cardholder's maximum liability for unauthorised transactions as a consequence of a lost or stolen credit card shall be confined to a limit specified by the issuer of credit cards, which shall not exceed RM250 provided the cardholder has not acted fraudulently or has not failed to inform the issuer of credit cards as soon as reasonably practicable after having found that his credit card is lost or stolen").

Banks know about Clause 13.2 but have chosen to ignore it. Instead they pursue cardholders for the fraudulent transactions.

They will tell cardholders that a clause in the credit card contracts states that all transactions carried out before the loss of the cards are reported to the banks, are deemed to be carried out by the cardholders. 

Many cardholders then pay up because they are unaware of the RM250 limited liability.

Bank Negara should rule that: 

·THE RM250 maximum liability on fraudulent transactions is highlighted to cardholders in the card agreements as well as in the monthly card statements.

·BANKS are not allowed to insert any clause in the card agreement which is contrary to Clause 13.2.

·BANKS should refund all money in excess of the RM250 collected from cardholders whose cases clearly come under Clause 13.2.

S.M. MOHAMED IDRIS,
President,
Consumers Association of Penang
*
i was wondering after reading the last point of the news u pointed out.
BANKS should refund all money in excess of the RM250 collected from cardholders whose cases clearly come under Clause 13.2.
i guess u should go to the branch and show them this news so that u could get back the refund of up to rm750.
it's a consumer rights and it's law,so i think u should take advantage of it.

i hope it is not too late to see this news..hahaha.
SUSDavid83
post Jan 11 2008, 08:41 PM

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It took me a week to update my mailing address for my MBB Visa. I have the back of the bill to them. doh.gif
g00glesYYl
post Jan 11 2008, 09:44 PM

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QUOTE(David83 @ Jan 11 2008, 09:41 PM)
It took me a week to update my mailing address for my MBB Visa. I have the back of the bill to them. doh.gif
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Can we do this in maybank2u? i can not find the link~~
SUSDavid83
post Jan 11 2008, 10:09 PM

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QUOTE(g00glesYYl @ Jan 11 2008, 09:44 PM)
Can we do this in maybank2u? i can not find the link~~
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I don't think you can do that unless you submit a form whereby you're agreed to disclose (view) your credit card in Maybank2u.
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???
Shinichi
post Jan 12 2008, 12:12 AM

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QUOTE(vin_ann @ Jan 11 2008, 11:37 PM)
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???
*
For me I prefer e-statement. First it is environmental friendly, second is I don't like to have piles of paper statements.

Not sure for my DA, if there's any option for me to choose e-statement rather than paper statement...
SUSDavid83
post Jan 12 2008, 06:25 AM

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QUOTE(Shinichi @ Jan 12 2008, 12:12 AM)
For me I prefer e-statement. First it is environmental friendly, second is I don't like to have piles of paper statements.

Not sure for my DA, if there's any option for me to choose e-statement rather than paper statement...
*
For HSBC, even you choose the e-statement, they'll still send your the printed version.
hye
post Jan 12 2008, 08:15 AM

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If I'm not mistaken only UOB, HSBC, Citibank, StandardChartered, MBF & OCBC provides e-statement.

This post has been edited by hye: Jan 12 2008, 08:19 AM
c.o.o.l
post Jan 12 2008, 08:42 AM

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If choose UOB e-statement, there is no extra gift/points.
SUSDavid83
post Jan 12 2008, 10:46 AM

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Just now tried to use CIMB DA Paypass but failed. Not sure if my card hasn't activated (Paypass feature) or the terminal got problem. Tried twice.
hye
post Jan 12 2008, 11:01 AM

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QUOTE(David83 @ Jan 12 2008, 10:46 AM)
Just now tried to use CIMB DA Paypass but failed. Not sure if my card hasn't activated (Paypass feature) or the terminal got problem. Tried twice.
*
Paypass feature no need to activate, it comes hand-in-hand with the card active status. Must be the terminal

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
SUSDavid83
post Jan 12 2008, 11:53 AM

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QUOTE(vin_ann @ Jan 12 2008, 11:47 AM)
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
*
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. **

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.**

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?**

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
hye
post Jan 12 2008, 12:44 PM

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I agree on the hassle to have online banking for your DA credit cards. I had this problem as well and the PIN take ages to arrive.
SUSDavid83
post Jan 12 2008, 12:49 PM

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QUOTE(vin_ann @ Jan 12 2008, 12:14 PM)
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
*
If you click Login on DA page under Internet Banking, it'll redirect you to CIMBClicks login page.

As for Secure-e Pay, I just tound it at

http://www.directaccess.com.my/index.php?c...rd&ac=44&tpt=da
satur9
post Jan 12 2008, 03:32 PM

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I think my bank hates me, so I need to ask this question for confirmation:

Will banks terminate your credit card account if you don't carry a balance and spend only RM20k per year?

If any of you have ever heard of this happening before, please share.
WaCKy-Angel
post Jan 12 2008, 03:36 PM

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QUOTE(satur9 @ Jan 12 2008, 03:32 PM)
I think my bank hates me, so I need to ask this question for confirmation:

Will banks terminate your credit card account if you don't carry a balance and spend only RM20k per year?

If any of you have ever heard of this happening before, please share.
*
Nope..

20k/year is alot and bank will be happy for it
satur9
post Jan 12 2008, 03:41 PM

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Then why did I receive only 1-years' validity last year (previously, card validity was 2 years)?

And now, my card will be expiring end of January and I have yet to receive the renewal card. Previously, the renewal card arrived 1 month before expiry.
WaCKy-Angel
post Jan 12 2008, 03:45 PM

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QUOTE(satur9 @ Jan 12 2008, 03:41 PM)
Then why did I receive only 1-years' validity last year (previously, card validity was 2 years)?

And now, my card will be expiring end of January and I have yet to receive the renewal card. Previously, the renewal card arrived 1 month before expiry.
*
doh.gif doh.gif doh.gif doh.gif doh.gif

The validity isnt important becoz the cards has different types and different batch of card issued have something different..

U can call up the bank and ask why the new hard havent arrived yet.

Btw wat bank? Maybank?
hye
post Jan 12 2008, 03:46 PM

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QUOTE(satur9 @ Jan 12 2008, 03:41 PM)
Then why did I receive only 1-years' validity last year (previously, card validity was 2 years)?

And now, my card will be expiring end of January and I have yet to receive the renewal card. Previously, the renewal card arrived 1 month before expiry.
*
Which bank are you talking about here ?

IMHO, in a worst case scenario - you can just cancel off the card if you don't want to pay the annual fees and apply for another bank. These days the credit card market is very competitive, especially in the Klang Valley. I don't think you'll have problems finding another bank to go to if you have been a good paymaster and no bad debts anywhere.

This post has been edited by hye: Jan 12 2008, 03:47 PM
SUSDavid83
post Jan 12 2008, 03:54 PM

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My annual spending into credit card couldn't even reach that. doh.gif

This post has been edited by David83: Jan 12 2008, 03:55 PM
satur9
post Jan 12 2008, 04:00 PM

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QUOTE(WaCKy-Angel @ Jan 12 2008, 03:45 PM)
The validity isnt important becoz the cards has different types and different batch of card issued have something different..

U can call up the bank and ask why the new hard havent arrived yet.

Btw wat bank? Maybank?


Standard Chartered. Yes, called up card centre and they said card will arrive by 10th latest.

Regarding card validity, I think it does mean something. 3 or 4 years...bank trusts you. 2 years...usually new card users on probation. 1 year...bank doesn't want your business. Am I wrong about this?

More importantly, why would a bank delay delivery of a renewal card?


QUOTE(hye @ Jan 12 2008, 03:46 PM)
Which bank are you talking about here ?

IMHO, in a worst case scenario - you can just cancel off the card if you don't want to pay the annual fees and apply for another bank. These days the credit card market is very competitive, especially in the Klang Valley. I don't think you'll have problems finding another bank to go to if you have been a good paymaster and no bad debts anywhere.


Yes, but if Standard Chartered is going to cancel my card for god knows what reason, then what's to stop another bank from doing the same? That's why I asked the question. If my card usage is not what banks like, then it's no point bank hopping.

This post has been edited by satur9: Jan 12 2008, 04:01 PM
WaCKy-Angel
post Jan 12 2008, 04:05 PM

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QUOTE(satur9 @ Jan 12 2008, 04:00 PM)
Standard Chartered. Yes, called up card centre and they said card will arrive by 10th latest.

Regarding card validity, I think it does mean something. 3 or 4 years...bank trusts you. 2 years...usually new card users on probation. 1 year...bank doesn't want your business. Am I wrong about this?

More importantly, why would a bank delay delivery of a renewal card?
Yes, but if Standard Chartered is going to cancel my card for god knows what reason, then what's to stop another bank from doing the same? That's why I asked the question. If my card usage is not what banks like, then it's no point bank hopping.
*
Nope it doesnt mean anything..

Each batch of card issued will have different programs/features..its very technical so its not easy to be understand.
Banks have planned new features/upgrades for 2-3 years ahead so they have planned the card rollout.

Delay?
Not to be rude, but u worried too much i can say.
satur9
post Jan 12 2008, 04:12 PM

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Nope it doesnt mean anything..

Each batch of card issued will have different programs/features..its very technical so its not easy to be understand.
Banks have planned new features/upgrades for 2-3 years ahead so they have planned the card rollout.

OK, I hope you're right.

Delay?
Not to be rude, but u worried too much i can say.

Maybe I'm too insecure, LOL. Always over-analyse. But if you guys think I'm worrying over nothing, then thanks! Hope my card arrives next week.
hye
post Jan 12 2008, 05:04 PM

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QUOTE(satur9 @ Jan 12 2008, 04:00 PM)
Regarding card validity, I think it does mean something. 3 or 4 years...bank trusts you. 2 years...usually new card users on probation. 1 year...bank doesn't want your business. Am I wrong about this?

More importantly, why would a bank delay delivery of a renewal card?
Yes, but if Standard Chartered is going to cancel my card for god knows what reason, then what's to stop another bank from doing the same? That's why I asked the question. If my card usage is not what banks like, then it's no point bank hopping.
*
I had Standard Chartered card before. I can safely say they issue card for 1 year and then extend further. Well banks after all are run by people, there's a chance that they overlooked your account and thus the card is delayed. Plus, its the beginning of the year - lots of holidays. Generally the longer you are with a bank, the better off you are but I disagree on this. I had 1 card which I held for so many years (it's not a local bank) - no upgrades offered by the bank (I had to apply for a credit limit increase, twice) at all ever. I don't default on payments except maybe late a few days + spends generously on the card every year.

I think you worry too much for nothing. Same advise, if you think the bank is wasting your time - just apply to another bank simple. Unless of course you have bad credit history (which only you can answer this, no offense) then no one can help you.

This post has been edited by hye: Jan 12 2008, 05:06 PM
satur9
post Jan 12 2008, 05:27 PM

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I had Standard Chartered card before. I can safely say they issue card for 1 year and then extend further.

Well, there you go. That's what I'm talking about. The longer the credit account, the longer the validity, right? The first 2 times, I got 2 years...then suddenly reduced to 1 year. And now...looks like no card at all.

I think you worry too much for nothing. Same advise, if you think the bank is wasting your time - just apply to another bank simple. Unless of course you have bad credit history (which only you can answer this, no offense) then no one can help you.

Never ever had a house loan, car loan or any other loans. So definitely no credit history. Only 1 credit card. Never late, monthly balance always settled in full the past 5 years.

So...see why I'm asking the question in the first place? Why does the bank think I'm a bad customer? There must be a reason.
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.
SUSDavid83
post Jan 12 2008, 05:36 PM

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I also have my embarassing moment this morning with Paypass. Luckily got other credit card to backup. So shameful and fortunately not long queue.
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?
WaCKy-Angel
post Jan 12 2008, 05:56 PM

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QUOTE(David83 @ Jan 12 2008, 05:36 PM)
I also have my embarassing moment this morning with Paypass. Luckily got other credit card to backup. So shameful and fortunately not long queue.
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QUOTE(vin_ann @ Jan 12 2008, 05:55 PM)
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?
*
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.
hye
post Jan 12 2008, 06:02 PM

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QUOTE(WaCKy-Angel @ Jan 12 2008, 05:56 PM)
If u want to "keep face" just scold the cashier and say your card confirmed working at other shop.
*
Don't do that la .... pity the cashier. I'll just offer to give another card.

This post has been edited by hye: Jan 12 2008, 06:05 PM
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.
*
yaya... experienced many times with Carrefour Visa Wave Machines... and the un-trained Cashiers...
SUSDavid83
post Jan 12 2008, 08:19 PM

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QUOTE(hye @ Jan 12 2008, 06:02 PM)
Don't do that la .... pity the cashier. I'll just offer to give another card.
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Yeah ... I'll prefer to offer another card too.
Shinichi
post Jan 12 2008, 09:48 PM

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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?
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...
hye
post Jan 12 2008, 10:36 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?
*
Shouldn't be. They'll be more than happy to charge you with the annual fees if you forgot to cancel the cards and the free annual fee period is up.
noisyarsenic
post Jan 13 2008, 01:04 AM

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hi all, some noob question
i just received my standard chartered credit card...
in the statement that came along with the card, it has stated that i need to sign and activate the card immediately..but may i ask how? am i required to call the bank for activation or just swipe it at any outlet for activation(just as citibank)

ps: i've read the cardholder agreement but still no clues on what to do
Thanks in advance
kindaichi
post Jan 13 2008, 04:45 AM

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anyone got standard chartered bank character card? the batman one? if apply the card, need to pay joining fee? and does it come with any free waiver? thanks....
fruitie
post Jan 13 2008, 05:27 AM

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Hello all, I am new to here. Currently having two VISA cards from Public Bank and Citibank respectively, to be specific both are supplementary cards provided by my sister. As I am still a student and not working, can't apply one for myself. smile.gif
She told me that she wanted to cut off the Public Bank CC and replace me another one with higher credit limit, as my credit limit for PB is only RM 3k, sometimes not enough to pay for one semester tuition fees. sad.gif
Citibank has slightly a higher credit limit but she wants to get me 2 cards for emergency purpose and for this new card, I plan to get MasterCard instead. Any bank that can recommend to me? With lots of benefits and free gifts? laugh.gif Typical Malaysian I am. blush.gif

Thanks in advance, so that I can let my sister knows and she can apply for me. biggrin.gif
hye
post Jan 13 2008, 08:23 AM

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QUOTE(noisyarsenic @ Jan 13 2008, 01:04 AM)
i just received my standard chartered credit card...
in the statement that came along with the card, it has stated that i need to sign and activate the card immediately..but may i ask how? am i required to call the bank for activation or just swipe it at any outlet for activation(just as citibank)
*
Sign the card at the back and call the bank to activate the card. It's that simple, really. I'll be worried if the card is pre-activated


QUOTE(kindaichi @ Jan 13 2008, 04:45 AM)
anyone got standard chartered bank character card? the batman one? if apply the card, need to pay joining fee? and does it come with any free waiver? thanks....
*
Look for roadshows promos and it should be free. (In fact, current SCB promos will give you 3 years free) If they charge you joining fee, do you still wanna apply ? Better you look for other banks which does not charge you.


QUOTE(fruitie @ Jan 13 2008, 05:27 AM)
Hello all, I am new to here. Currently having two VISA cards from Public Bank and Citibank respectively, to be specific both are supplementary cards provided by my sister. As I am still a student and not working, can't apply one for myself. smile.gif
She told me that she wanted to cut off the Public Bank CC and replace me another one with higher credit limit, as my credit limit for PB is only RM 3k, sometimes not enough to pay for one semester tuition fees. sad.gif
Citibank has slightly a higher credit limit but she wants to get me 2 cards for emergency purpose and for this new card, I plan to get MasterCard instead. Any bank that can recommend to me? With lots of benefits and free gifts? Typical Malaysian I am.

Thanks in advance, so that I can let my sister knows and she can apply for me. biggrin.gif
*
What benefits are you looking for ? blink.gif I suggest you forgo the free gifts part and stick to the main objective which is to get a good card for yourself. If a bank (Won't disclose which bank) give you generous sign-up gifts (maybe up to RM500) and an additional RM50 voucher after approval but customer service so-so only + charges extra fees for overseas spending - would you still want to apply? Even a higher credit limit objective is a better pursuit than free gift - be more realistic my friend. whistling.gif

Foreign banks would be better as compared to local banks.
PureGeek
post Jan 13 2008, 12:25 PM

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sry i've gonna get a citibank shell credit card,
may i ask question here? i'm currently using caltex and plan to change to shell for the credit card reason...

what free gifts shell currently giving?

Added on January 13, 2008, 12:26 pmand does maybank credit card have points if i pump caltex using the maybank credit card?

This post has been edited by PureGeek: Jan 13 2008, 12:26 PM
WaCKy-Angel
post Jan 13 2008, 12:31 PM

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QUOTE(PureGeek @ Jan 13 2008, 12:25 PM)
sry i've gonna get a citibank shell credit card,
may i ask question here? i'm currently using caltex and plan to change to shell for the credit card reason...

what free gifts shell currently giving?

Added on January 13, 2008, 12:26 pmand does maybank credit card have points if i pump caltex using the maybank credit card?
*
If u apply online then u will get either a bag or thumbdrive.
If u apply from salesman in shopping center it will be different gift.

All petrol station doesnt give points anymore...except the latest Citibank Shell and UOB BHP giving rebate..
The only card that gets points in petrol station is Maybank Amex credit card
PureGeek
post Jan 13 2008, 12:34 PM

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QUOTE(WaCKy-Angel @ Jan 13 2008, 12:31 PM)
If u apply online then u will get either a bag or thumbdrive.
If u apply from salesman in shopping center it will be different gift.

All petrol station doesnt give points anymore...except the latest Citibank Shell and UOB BHP giving rebate..
The only card that gets points in petrol station is Maybank Amex credit card
*
thanks alot biggrin.gif
btw, put aside the credit cards, if i pump shell with cash, do i get any free gifts?

like previously caltex has sticker for every rm30 petrol and redeem for a mineral water or pepsi

Added on January 13, 2008, 12:34 pmwhat do shell give?

This post has been edited by PureGeek: Jan 13 2008, 12:34 PM
hye
post Jan 13 2008, 12:46 PM

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QUOTE(PureGeek @ Jan 13 2008, 12:34 PM)
thanks alot biggrin.gif
btw, put aside the credit cards, if i pump shell with cash, do i get any free gifts?

like previously caltex has sticker for every rm30 petrol and redeem for a mineral water or pepsi

Added on January 13, 2008, 12:34 pmwhat do shell give?
*
My friend ... this thread is for credit card related topics. Your question is unrelated already
ronnie
post Jan 13 2008, 12:55 PM

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When using PayPass, make sure the cashier activate the terminal. Read the message on the PayPass device.. it should say something like place card..
vin_ann
post Jan 13 2008, 01:41 PM

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QUOTE(ronnie @ Jan 13 2008, 12:55 PM)
When using PayPass, make sure the cashier activate the terminal. Read the message on the PayPass device.. it should say something like place card..
*
is PLEASE PRESENT CARD... i thinks.

anyways, just now tried my PayPass with my KFC nearby. tried to place my card at PayPass terminal for 2 times also failed.. doh.gif

ended, use the normal way. have to sign. and the Cashier seem dun know how to handle credit card payment... rclxub.gif

next time, let's educate the un-trained cashier...ask them to activate the terminal... rclxub.gif
fruitie
post Jan 13 2008, 01:46 PM

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QUOTE(hye @ Jan 13 2008, 08:23 AM)
What benefits are you looking for ?  blink.gif I suggest you forgo the free gifts part and stick to the main objective which is to get a good card for yourself. If a bank (Won't disclose which bank) give you generous sign-up gifts (maybe up to RM500) and an additional RM50 voucher after approval but customer service so-so only + charges extra fees for overseas spending - would you still want to apply? Even a higher credit limit objective is a better pursuit than free gift - be more realistic my friend.  whistling.gif

Foreign banks would be better as compared to local banks.
*
laugh.gif Higher credit limit, not determined by me, my sister will do that, of course she has to control me too. wink.gif
Thanks for the reply.

This post has been edited by fruitie: Jan 13 2008, 01:47 PM
vin_ann
post Jan 13 2008, 01:58 PM

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QUOTE(fruitie @ Jan 13 2008, 01:46 PM)
laugh.gif Higher credit limit, not determined by me, my sister will do that, of course she has to control me too. wink.gif
Thanks for the reply.
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Higher credit limit, mayb u can ask ur sister to have a look to Direct Access (DA).

DA is offering me the highest double credit limit among others cards. sweat.gif
David also got the same thing.

it's FREE for LIFE.

mengfui
post Jan 13 2008, 02:35 PM

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any cimb cards can do online trasaction w/o having to have a virtual mastercard a/c?
vin_ann
post Jan 13 2008, 02:40 PM

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QUOTE(mengfui @ Jan 13 2008, 02:35 PM)
any cimb cards can do online trasaction w/o having to have a virtual mastercard a/c?
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dude, latest update... now CIMB din use virtual mastercard already....

for online transaction, u have to register ur CIMB CC with Mastercard Secure e-pay.

u looks back previous page and u can find the info...

anyways, im just pay my fees online using Direct Access (CIMB)... hehe....
kindaichi
post Jan 13 2008, 02:42 PM

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QUOTE(vin_ann @ Jan 13 2008, 01:41 PM)
is PLEASE PRESENT CARD... i thinks.

anyways, just now tried my PayPass with my KFC nearby. tried to place my card at PayPass terminal for 2 times also failed..  doh.gif

ended, use the normal way. have to sign. and the Cashier seem dun know how to handle credit card payment...  rclxub.gif

next time, let's educate the un-trained cashier...ask them to activate the terminal...  rclxub.gif
*
pay by normal way? meaning all other credit card can be used at KFC as well or?

vin_ann
post Jan 13 2008, 02:45 PM

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QUOTE(kindaichi @ Jan 13 2008, 02:42 PM)
pay by normal way? meaning all other credit card can be used at KFC as well or?
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i thinks so kua... next time u visit KFC, u will notice there will be CC terminal lol...

since the PayPass can not use, then use the normal way lol... slot into the machince, receipt come out n sign lol...
SUSDavid83
post Jan 13 2008, 03:18 PM

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QUOTE(kindaichi @ Jan 13 2008, 02:42 PM)
pay by normal way? meaning all other credit card can be used at KFC as well or?
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I used my MBB Visa to pay at KFC and definitely they accept other credit cards in addition to Mastercard Paypass under the conventioal swipe method.
mengfui
post Jan 13 2008, 03:26 PM

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QUOTE(vin_ann @ Jan 13 2008, 02:40 PM)
dude, latest update... now CIMB din use virtual mastercard already....

for online transaction, u have to register ur CIMB CC with Mastercard Secure e-pay.

u looks back previous page and u can find the info...

anyways, im just pay my fees online using Direct Access (CIMB)... hehe....
*
Any fees or charges for Secure e-pay usage or registration?
SUSDavid83
post Jan 13 2008, 03:28 PM

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QUOTE(mengfui @ Jan 13 2008, 03:26 PM)
Any fees or charges for Secure e-pay usage or registration?
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Should be FOC. Other banks also doesn't impose any fee - HSBC and MBB for example.
Shinichi
post Jan 13 2008, 03:53 PM

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QUOTE(vin_ann @ Jan 12 2008, 09:54 PM)
i thinks at least use once lol...

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

they de-activate= no more business...
*
I'm just worry. As I prefer to use cash over CC. CC for me is to use only at emergency time and I don't have cash on hand.

QUOTE(hye @ Jan 12 2008, 10:36 PM)
Shouldn't be. They'll be more than happy to charge you with the annual fees if you forgot to cancel the cards and the free annual fee period is up.
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Mine is free for life. So they wont earn any money from me if I pay all my balance on time.
eric84cool
post Jan 13 2008, 04:47 PM

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Hey guyz, I got my Shell citibank credit card. I heard the 5% rebate is bullshit and it only applicable for the 1st month only. Iszit true ar? Citibank really sux if they did that to consumer, really irresponsible and cheating.

Right now I have 2 CC, other than Shell Citibank, I have Maybank CC but will terminate it soon bcoz want to boycott them already.

I'm thinking of holding 2 cards and currently applying for HSBC CC and is there any other card to recommend?
SUSDavid83
post Jan 13 2008, 04:53 PM

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QUOTE(eric84cool @ Jan 13 2008, 04:47 PM)
I'm thinking of holding 2 cards and currently applying for HSBC CC and is there any other card to recommend?
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What you intended to have with the new cards? Annual fee waiver?
eric84cool
post Jan 13 2008, 04:56 PM

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QUOTE(David83 @ Jan 13 2008, 04:53 PM)
What you intended to have with the new cards? Annual fee waiver?
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Annual fee waiver doesn't matter for me as long as the card can provide the most privilege and I'm not talking about having platinum card in my wallet. biggrin.gif
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post Jan 13 2008, 04:58 PM

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QUOTE(eric84cool @ Jan 13 2008, 04:56 PM)
Annual fee waiver doesn't matter for me as long as the card can provide the most privilege and I'm not talking about having platinum card in my wallet.  biggrin.gif
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In term of privileges and merchants affiliation, Citibank and HSBC are the best. You're looking for gold card?
vin_ann
post Jan 13 2008, 05:01 PM

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QUOTE(David83 @ Jan 13 2008, 04:58 PM)
In term of privileges and merchants affiliation, Citibank and HSBC are the best. You're looking for gold card?
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Recommend to him Direct Access lah....

haha...
eric84cool
post Jan 13 2008, 05:01 PM

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QUOTE(David83 @ Jan 13 2008, 04:58 PM)
In term of privileges and merchants affiliation, Citibank and HSBC are the best. You're looking for gold card?
*
Yeap. So u recommend CITIBANK and HSBC....emm, but then r u talking about having CITIBANK normal CC rather than Shell Citibank Card. I have it and I will give it a try for few months and see whether the rebate works for me or not.
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post Jan 13 2008, 05:02 PM

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QUOTE(vin_ann @ Jan 13 2008, 05:01 PM)
Recommend to him Direct Access lah....

haha...
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I wanted to but seems you and I are experiencing rough path. I think it's better to leave it out of the equation. tongue.gif
vin_ann
post Jan 13 2008, 05:04 PM

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QUOTE(eric84cool @ Jan 13 2008, 05:01 PM)
Yeap. So u recommend CITIBANK and HSBC....emm, but then r u talking about having CITIBANK normal CC rather than Shell Citibank Card. I have it and I will give it a try for few months and see whether the rebate works for me or not.
*
then get a Citibank choice card lol....

http://smartconsumerbanking.com/

got info about Shell Citibank.
SUSDavid83
post Jan 13 2008, 05:05 PM

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QUOTE(vin_ann @ Jan 13 2008, 05:04 PM)
then get a Citibank choice card lol.... 

http://smartconsumerbanking.com/

got info about Shell Citibank.
*
I think Clear card is better. The design is semi-transparent and it's quite similar to CIMB DA.

The reason I don't want Citibank is hard to make payment.

The reason I want to cancel off my HSBC is because they're relocating their Bayan Baru branch.

The reason I applied for CIMB DA is free for life without condition.

The reason I'm still holding my MBB Visa is because I got an attached 0% EPP and it's easier to make payment using M2U.

This post has been edited by David83: Jan 13 2008, 05:08 PM
vin_ann
post Jan 13 2008, 05:08 PM

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QUOTE(David83 @ Jan 13 2008, 05:05 PM)
I think Clear card is better. The design is semi-transparent and it's quite similar to CIMB DA.

The reason I don't want Citibankis hard to make payment.

The reason I want to cancel off my HSBC is because they're relocating their Bayan Baru branch.

The reason I applied for CIMB DA is free for life without condition.

The reason I'm still holding my MBB Visa is because I got an attached 0% EPP and it's easier to make payment using M2U.
*
too bad, they dun have Paypass o visa wave...
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