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 CREDIT Card Thread v2, Everything about the world of plastic

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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
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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
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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.
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....
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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.
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.
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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.
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
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?
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He meant Credit Shield
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?
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got expiry date meh?
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...
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No not really...
If u get free stuffs, means other cardholder will also get.

Maybank Amex pump petrol got points...
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?
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Read the card/note and im sure got phone number
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.
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Last nite paid RM146 for movie ticket and get RM7++ cash back tongue.gif
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?
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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....
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If i own OCBC Titanium, i dont really care about these promotion hehehe
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?
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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
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...
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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++
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?
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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
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.
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Do they gives points or stuffs?
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?
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?
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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
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Agreed...

I bought chocolate in GBP (Great Britian Pound) using paypal + online coupon discount 10%
WaCKy-Angel
post Jan 2 2008, 11:23 AM

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QUOTE(David83 @ Jan 2 2008, 10:03 AM)
Better? Meaning lower?
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Yup bank exchange rate is always lower than non-bank exchange rate..
Coz non-bank exchange need to earn money lor
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.
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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?
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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.
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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
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.
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I heard someone said its extended?
Or it wasnt 31st Dec b4 extension?
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?
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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
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